Loading...
HomeMy WebLinkAbout11-9072 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ?1ti1,1 at ' inli rE74 FILED- OFFICE-OF THE PROTHONOTARY 2011 DEC 22 PM 2'. 30 CUMBERLANDSYLVA COUNTY Discover Bank Case Number vs. Rick Alan Hoover 2011-9072 SHERIFF'S RETURN OF SERVICE 12/14/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on December 14, 2011 at 1521 hours this Complaint and Notice upon defendant Rick Alan Hoover is returned not served per request from Attorney's Office Weltman Weinberg & Reis Co., LPA. SHERIFF COST: $34.00 SO ANSWERS, December 16, 2011 RON R ANDERSON, SHERIFF 1 of-:vSjlc She, tf, ( soft. Irc . A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,(--) PENNSYLVANIA ? C= CIVIL DIVISION m z y, rnt ?cr DISCOVER BANK, Through its .?v rn .. servicing agent, DB SERVICING CORPORATION, v c? x ; --- ? -Wrl Plaintiff(s) Docket No.: 11-9072 Civil Term --4 cn v. RICK HOOVER, Defendant(s) PRELIMINARY OBJECTIONS TO COMPLAINT Filed on Behalf of Defendant Counsel: The J. Murphy Firm The Grant Building, 33rd Floor 310 Grant Street, #3309 Pittsburgh, PA. 15219 (412)521-2000 Joseph P. Murphy, Esquire Pa. Supreme Court I.D. 83120 0` IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Through its servicing agent, DB SERVICING CORPORATION, Plaintiff(s) Docket No.: 11-9072 Civil Term V. RICK HOOVER, Defendant(s) CERTIFICATE OF SERVICE I, Joseph P. Murphy, counsel for the Defendant in the above captioned matter, do solemnly swear that the foregoing APPEARANCE PRELIMINARY OBJECTIONS TO COMPLAINT P<RIEF IN SUPPORT OF PRELIMINARY OBJECTIONS TO COMPLAINT ? MOTION/REQUEST/PRAECIPIE FOR ARGUMENT were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below: James Warmbrodt, Esq. Weltman, Weinberg and Reis Co., LPA 436 Seventh Avenue, Suite 1400 Pittsburgh, Pa 15219 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Through its servicing agent, DB SERVICING CORPORATION, Plaintiff(s) Docket No.: 11-9072 Civil Term V. RICK HOOVER, Defendant(s) PRELIMINARY OBJECTIONS TO COMPLAINT Now comes the Defendant, by and through counsel, the J. Murphy Firm, and Joseph P. Murphy, Esquire and bring(s) and file(s) the within Preliminary Objections to Complaint, averring in support thereof as follows: OBJECTIONS TO CONTRACT CLAIMS 1. The Complaint references a credit agreement or contract. 2. No averment is made as to whether said agreement is oral, or written. 3. The foregoing amounts to a violation of Pa. R.C.P. §1019(h), as amended, which requires that, "When any claim or defense is based upon an agreement, the pleading shall state specifically if the agreement is oral or written." 4. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. 1028(a)(2) for violation of rule of court 1019(h). 5. Although the Complaint references a credit agreement or contract, no copy of the agreement or contract is attached thereto. 6. The foregoing amounts to a violation of PA. R.C.P. §1019(i). 7. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. §1028(a)(2) for failure to conform to Rule of Court 1019(i). 01133ECTIONS DIRECTED TOWARD LACK OF SPECIFICITY 8. These objections arise under Rule 1028(a)(3) and Rule 1019(f) 9. Pa. R.C.P. 1028(a)(3) provides for the filing of preliminary objections where the complaint is insufficiently specific. 10. Rule 1028(a)(3) is commonly understood to require that the complaint be sufficiently specific as to allow the Defendant to formulate an answer, admitting or denying the averments in the complaint. 11. As set forth in the attached brief, the complaint in this case is not so sufficiently specific. 12. Pa. R.C.P. 1019 requires, inter alia, that facts be pled and that items of special damage be pled with specificity. 13. In the context of a credit case, the facts and items of special damage, which are to be pled, include the dates and amounts of charges, fees, fines, interest, and the like. 14. In the context of a credit case, the requirements of 1019 are normally met by attaching copies of an un-interrupted chain of statements, starting with a zero balance and ending with a statement showing the amount sought in the complaint. 15. It is respectfully submitted that the neither the Complaint, nor the documents attached thereto, sufficiently or specifically plead the facts and items of special damage underlying the case. 16. This renders the Complaint the proper subject of preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2), for failure to conform to Rule of Court 1019, and the proper subject of preliminary objections, pursuant to Pa.R.C.P. 1028(a)(3) for insufficient specificity. WHEREFORE, Defendant respectfully prays that the Complaint filed by the Plaintiff be dismissed with prejudice, or, in the alternative that the complaint be stricken, and the Plaintiff be required to plead over in accord with the Rules of Court. C-7 ,c= IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY tv PENNSYLVANIA Y, rn CIVIL DIVISION - -am,, r ? DISCOVER BANK, Through its ?o CM ocD servicing agent, DB SERVICING z -- CORPORATION, c -° Plaintiff(s) Docket No.: --+ 11-9072 Civil Terms cn ...c V. RICK HOOVER, Defendant(s) PRAECIPE FOR APPEARANCE Filed on Behalf of Defendant Counsel: The J. Murphy Firm The Grant Building, 33rd Floor 310 Grant Street, #3309 Pittsburgh, PA. 15219 (412)521-2000 Joseph P. Murphy, Esquire Pa. Supreme Court I.D. 83120 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Through its servicing agent, DB SERVICING CORPORATION, Plaintiff(s) V. RICK HOOVER, Defendant(s) Docket No.: 11-9072 Civil Term TO THE PROTHONOTARY: Kindly accept my appearance on behalf of The Defendant. Resp Ily, /Jose P. Murphy 8 20 The J. Murphy Firm The Grant Building, 33rd Floor 310 Grant Street, #3309 Pittsburgh, PA. 15219 111 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNT', PENNSYLVANIA CIVIL ACTION C) < - - ?, T, ° C-- Discover Bank, r -- Through Its Servicing Agent, DB Servicing Corporation, Plaintiff, V. RICK HOOVER, Defendant NO.: 11-9072-CIVIL TYPE OF PLEADING: AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff Sarah E. Ehasz, Esquire PA I.D. 86469 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 9415135 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Discover Bank, Through Its Servicing Agent, DB Servicing Corporation Plaintiff VS. Civil Action No. 11-9072-CIVIL RICK HOOVER, Defendant AMENDED COMPLAINT You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMERLBAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREETCARLISLE, PA 17013 (717) 249-3166 AMENDED COMPLAINT 1. Plaintiff is Discover Bank, Through Its Servicing Agent, DB Servicing Corporation., is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. Defendant, Rick Hoover, is adult individual residing at 1190 Newville Road, Carlisle, PA 17013-1739. 3. At all times relevant hereto, Plaintiff was engaged only in those activities, including transacting business in interstate commerce, that shall not be considered to be doing business in this Commonwealth, as defined by 15 Pa. C.S.A. §4122. COUNT I-BREACH OF CONTRACT 4. The averments contained in Paragraph 1-3 are incorporated herein by reference thereto as though herein set forth at length. 5. On or about February 23, 2004, the Defendant submitted an application to the Plaintiff requesting that the Plaintiff issue the Defendant a DISCOVER BANK credit card. A true and correct copy of the DISCOVER BANK application is attached hereto and made a part hereof as Exhibit "1." 6. Thereafter, the Plaintiff made an offer to the Defendant to open a credit card account by mailing a DISCOVER BANK credit card, bearing account number XXXXXXXXXXXX2369 along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and correct copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit "2 7. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to purchase goods, merchandise and services, and take cash advances. 8. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 9. Defendant were periodically sent updated written terms and conditions for her Discover Bank Credit Card Account. Those updates of the written terms and conditions for the account are attached hereto and made a part hereof as Exhibit "Y' 10. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from January 19, 2005 through January 19, 2010 are attached hereto and made a part hereof as Exhibit "4." 11. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 12. Defendant made periodic payments on the account with the last payment made on the aforementioned account occurring on July 25, 2009 in the amount of $121.00. 13. Defendant has breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 14. The current balance due and owing to the Plaintiff on the aforementioned credit card account as of January 19, 2010 is $5,576.70. 15. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 16. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, Rick Hoover in the amount of $5,576.70 with interest at the rate of 29.990% per annum from January 19, 2010 to date of judgment, and costs. COUNT II-UNJUST ENRICHMENT 18. The averments contained in Paragraph 1 through 17 above, are incorporated herein by reference thereto as though herein set forth at length. 19. Defendant has used his Discover Bank credit card to purchase goods, merchandise, and services, and take cash advances. 20. By making use of said card, the Defendant has had a benefit conferred upon him through the use and enjoyment of those goods, merchandise and services purchased. 21. Defendant, despite requests to do so, have willfully failed to re-pay the Plaintiff the principal balance, finance charges or any part thereof due, as set forth in the monthly statements, attached as Exhibit "4," and as such has improperly retained the benefit(s) conferred upon him without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, Rick Hoover, in an amount not to exceed the arbitration limits plus 6% per annum from the date of judgment, and costs. Respectfully Submitted, ikl'-" X? Sarah E. Ehasz, Esquire PA I.D. 86469 WELTMAN, WEINB G REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 9415135 VERIFICATION Natasha Szczygiel Legal Placement Account Manager (Name) (Title) of DB Servicing Corporation, servicing affiliate for Discover Bank , (Company) does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plaintiff herein and authorized to make this verification, and that the facts sets forth in the foregoing Amended Complaint are true and correct to the best of his/her knowledge and information and that he/she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. That Discover Bank, f/k/a Greenwood Trust Company, is a FDIC- insured Delaware State bank, and its servicing affiliate DB Servicing Corporation, extends credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, among other things, marketing, application approval, transaction approval, customer service, security, billing and the collection of delinquent accounts. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date RICK HOOVER 6011002700382369 WWR#9415135 PO Box 3025 New Albany, OH 43054 DB Servicing Corporation servicing affiliate for Discover Bank EXHIBIT "1" SE 69 6 ti - A H o s? ? Oar ?4 ?Q ?o, Y. a m W Q y "r Q W a. S of ?T 10 OR! L • 4+94 -- d ? kit CL. 0 e C3 OL W5 "C 'o V1 X11 mwaAnomwma - -- .?-__ _-_-- EXHIBIT "2" i ?I DISCOVER' PLATINUM IMPORTANT INFORMATION ABOUT YOUR ACCOUNT CARDMEMBER AGREEMENT The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Acceptance of Agreement" section .......................... SEE PAGES 1 - 12 PRIVACY POLICY A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others ......... SEE PAGES 13 - 15 BILLING RIGHTS Important information about your rights and our responsibilities under the Fair Credit Billing Act ..... ..............................SEE PAGES 76- 17 CASHBACK BONUS* TERMS AND CONDITIONS The terms and conditions of the Cashback Bonus" award program, including a description of how we calculate the award and how it is paid ............. ............................SEE PAGES 17- 19 DESCRIPTION OF COVERAGE The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile ..... SEE PAGES 19 - 26 0 2003 Discover Bank. Member FDIC 364001.1103TL14 t c r. a spo Ave g ?? Y? k $s k Jt$ ig ix 55 Q HIS _NCX1 g O ?. w¢C r@@ rp?nq ?^ F E1 O le7RTn= k s koC=Sew A2 W "8 rf--m I Ell Z, ELI 15 te 'S Ise W`y 5 1S` S is ^ 6 CA g J! sr -s E Zf rzjl A, 12 1C.- Lp fill' 9 'Mg tt9?^c???$,gy?o i3 Y E s$ gl g' SkYo 4'0 °S b .1 2 15 Bll I., k, Ell J!? -66] V .10, s s s k? I-P 4.1 •p ° lit T9 !3' ?s V. W AO f) A's a Q O. Ss C ?. in r ?A' Eli E t:lin H .0 lot ? ??Yy{ yy?r NNNMMMMQQetNNNNhOD 0000000+?O?NNN?NOO OO^-?NN ,ten gt : c v LLI rYiL O? cLL t1 v :a 11 E 14 LL, 0. pp Y y W 8S C : aj d ?' Qt C V yy m : : C O 3 C W r : ir^Qi? C Na 'u1 O 5L w IM E a Q Q ?a? o, ac, ?`v?}LL{O'?' : d :E? t'ap 3 ?Q[ t y a v ¢ d?o? ?vt?c arrn? ?c d a, 00 - 0 ^ m?y? ?ra= =ro`0c%'?roii :0 L •u :v c dJ d- good ??•cEomt a ^t`-=U % o d i.' 67 v ?_ •- .•+ N r' W 4??" N O :J 4! T 7 -e m O d V E E CC ?d'$o6? r Ot v EE=a??? d, N _g.. c fro: o^ ?°? yp?C dks EccEvA O'° t q•' `aY'? qqqrr v'O- >?'o„ °? Ear to c o10 L^aee??$tj 00^cv A-°' +°'?a? giva`w?3?11 ?v? 7 ? av"st up. p I [ilk jg-vip;H - 1 g yR ;I f, a CO V T O -Fs 90 .8 Its Ss_d € AN 6?? 4$ Fs 1 q 94,14 9 a- m Hil dL ?? Lill] 1, ;t3b._z ? fs?A JIMA 81.E A p O c ° E? .G i Y m v?,$ EN YS ° J° r v m4ga's g-° g e fl.12 9 g?0a??g g$ r dry ?? fi lull 519.1-SH fib v A 6.04A a A i Ro g16 S Mir 74 d L ?V s? I ?fgj°.? g.. Hint. w d i x Pit ?Z sa •9 d ? io 9L, S_ 'fill p a Sas 5 N • iirss ? ? ??'M? -ill. I s 11 -9 5 HrR 9 ? ?S ?fill B? I . it 9 Ag a ea 6% 76 d ?a? x 5 pm ? A 15 13 x A = c xaai 5E LF FL 51. _ HOR H 9 ?.- $Ej _O' F5 rz7,-; Ulm T g?? 5 irr Ft u o?,m '32" 9 11 .1 ! 10 -g -I.., v. I g? ge 1a blisoalfiJ 19"'P11 X5 tP.91345-Iffif G2 M{y??J1 i ?1C 2 ?? O o? _ '§ axis rd 8 A ®r_- -6 fs ns l-6 Ek T, M15 6 sue' °g g ? mid 15 1 is N w 9? oL ?5 p ?'ZSE Eo8" NE A "--8 ?; ,has 3 A $ OL .1i . im-UH tfi--OS E 15 i HR a bf 1, ri ibkz 11 10p$p? '$t tit p lit F MIS 6 N? ? dB ?0.OT. ?.- B 161 0-.0 p -4 1 $ FE l?b° M C .r C N? G g.Efi`'? Hell 11141I.S ? ??? C?0 34?, .tl 8 ? $s?s aB .n g?°re ll roams PH hN 10 Igg 9 sit, fRalif HUM x? H $ I 'lit 14v 5 d to 1 t o3 sit, Is: Wu .s'" ? 1 G m N .511 6 N T ?0 1? ilia S d 0 a 3 ., ID 5 M fi U.14 d Jpf p. y ? low# OTC ?C E I E p F fig It 5 &t5 g 9 Ifuli r-m-Glgi it .1-669 ?? ' a a ? a ? ?g rip H110 a U ?1 ? ?.? . si Hit ll Tel 'F1114. 19 1 it il. ifislis ft H f 10 ef I r, -4 6 79 F HE! i Iflow -1 V_ 9 al `$& .is, <? 0??v? i. Q'?f Lea i ~ 73G VA- f? ?•i P 8 MMM{y Si a - y '6 t $ s Air. 2.8 13m J" 121 lb 1 v fj Fmg gJ311§11 A 1% md..c Val! Ocz 6-cu-1wD Age 6 c z fill lbs a t5 .8 g4e I too id' ?'? ?X & °d`??? ?A? acz[3?aaES'S ?.E.. > Nt 3.5.6 S ?.? a?.•5.5t GGb J7 r s 85 ° BAM Tf to z 416 iEg' k ,?+ = e1 O C W2 IV= S.5 '•3 $ .`mss 1C??? '3A is3 q?0.Ty _y4•??f ?S S .-BOO w -Its b •g tt?? ssa?gg?'' ?s r S ul MPH US 11 ul n6ip - M, t I ° C EE A ?d Ii 8 S? F ED EEL P, ? W -1 jP.. - t! ? f - r; ffbfl-8-t:!t .9 ro l1 -V 9 0- it n EA .o S FO eel S to 4,0 o to IgYE o t ri M 0 r€ £ ? o a um _ s LUJ r- Jul $r lit .E Lu I-- ox 'S g?? gyp' ? ? v o $ ? gr ? g 8 €' ??.4u V ?? p zis_ c `? a - $ m W Cal tt? qx o? 4.- 79 gig $??$ LU :9 MIR Irv -SR I 0 CF, is? fit ?o - «•• 5 o Ise 'a Et2l, fl it X91 1-1 H Iles ID gi 11-8 to . EN $ ? F€?, .fat Sm,ovS.r 6gs$g$€3, 4 91 us '? d P ?•70 •? z q r S . 114.1fir, -S a lirc I u ;E: r: a it 6? I a 2- R 4b -72 It J2 I I -g Its 41 % I H 1 9 1 41 'F V Us r I& .5 E 151 HOF ?g w slit ° .111 9 -g g jig iii`" = C'di13 Al Is F 5 ?t ^?v ?9 0 is, 1 11.0 1 ???? W .g'ar 5? yyyy?? ?•.-?? ? .6 $ C? C rg nuc•S .e Sna -1 F- -1 .41 's 9 83 Y ?a ros ? ? ? ? ?? ? .n O ? l S E OC ? 13 g. g 'elf. IV 0 s f 1 ZIRE A E' a. p s 9yF$({ ? n so Y ? 'p vw. a wit I g 11H 1! .1 A I I -gat sounis it) A ''?5 C nF ad EY_AGQ 15 +? ? L mOC COT 7? all qli IEP S.8's me 1.0 Ivo v 49 1 A.Em .10 11 is JBE a r m 79 - y a ?q^? Y I? yyt ?? o EA n SA. S A Ism- wil- I s ?Mir b CIE ?5 -016 i E a ? ` E `nom iK w E w r. rx a. LU C> o E 1s1 Y AAA }Y M q i .L' i.F H ?0 A Y m `•' -oE C •C T r ? 8( ?, m .. a 01 a•$? S13 1st ES.•E r C N F- ?•? C? $ ?•'^ 2 AA ?Q?.?.Q?i1 -py y+ $ r6 r$ !S lJ •sr 7B t? ° a-- i6 .s S 3 `Fq .E E- X35 x ?EE A3A?F`.St ?.liP. a'r:v ? r38Eil M m E . . . o d A ? ? 3 LU IN"R ' x cr y 1O ? ?? o'er ?? ? Q? '.9 ??•? Ml }»o- 41 a 1 (log 1:1 * 1i 0.J p9 ?d'iQ 'g c 8?f+E?+ '•?v ?o? CA, -So z ! 6 1 SIN 10 ie . 8 I- PIZ asE 9:E fli g ' yA •_ $.. a C G ? A;$ .? C a - gg Q ? E A ?? ? ? A $?• ? Q? IS k$ dd ?+ ?g W..y qq CgBpf S?Nf pC?AQj?q??Cq iy Cd O N 10 Is A $ $ lv5 'I g iuws 13 T ,C t7p. N AA q.G-OV? •? ?3? •fl i.??N ?• C?-•1v.. N•y P its• If M AR m -rJ A I ' aso lij 1 -E *a liz its '.32 •.. -?1 `W' yCy . .Q?y y BT= 3 J A V t? ?i V1 W.F C S-5 S ?J t 1111.2. A F? A.OG V 21:0; C`?Se •?n?"'f? ?V •C EE •b a?A?. ?~??m E? E i?•? ?}j? ?Ci ? g ? Y if &o7? ` V??fe"•N Yi rn w a -°1m O - ?? till, ?? e?? ig 4 92. rK WN 1 211 fill, -0 c g it's, title i a $ d day s f-3:1.s.r on6 4 R U d C M F d .2 GV rN ' v it m t rb 7?,T2113 '% M o a d c• a ?3 4 •? s 0 'E Evy *4 1 s Ml 0 5:1 5 -S M d m a -1 15 E? 3° C er ° °C 8 m iollj. I -Y -F TIM i?6 Ag ?5*s. acAg$ $ ?i' A ?. _ ?G x Sd3 16g g,R S,o g.£ ? ?g M -g,5g? O. g Sg?S?? gE f? as. J, t E ar 42 A Er- A g gbtigJ! 3 g gg g is 1a m gg ? st g as g q ,ro :g? ?qg??? ? $?d ? :fig •'$ ?fi'??, $'a- ? ?? 7yg?? y7?• ? ? d •? ?'?. x.33 ? ?? ? ? ? ? ? W ? 9? ? '? ? a? ? ?''? o • • • • • • • • • • I* rn 2. 0 g.Yt IIISI _$ g?- 5?O 1 EE gE $ 6g rnv its E .s?nu -gym X25 S Nw L A A C?1 °V CC CC C•C lit I 13 6 S _ r r ty? ? y ? a'4 }g; C 7d •C?y{.. yY?j? >" S? pYo' VC b I i [;,,, I Lp 16 111 q a 1- 9: 9 19 I A J O- 10 c? Sall, o s N .n I.'3 8i Jill j A g a is 0 Affil Cho J3 w w&s i si LSE g. s r W At T I - 1 1 E r °? .: ths .9 Us File ti, d b' d? s Ag I'o • - ??;? -9 Vgi ° ??? . ILI m I-IN til! Ro Fill EXHIBIT "Y' DISCOVER YOUR DISCOVEW ACCOUNT CARDMEMBER AGREEMENT ................ Pages 1-13 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. PRIVACY POLICY ......................... Pages 13-16 A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 15. BILLING RIGHTS .......................... Pages 16-18 Important information about your rights and our responsibilities under the Fair Credit Billing Act DESCRIPTION OF COVERAGE ............... Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE ..................Page 25 The terms and conditions of this free travel assistance benefit. 02010 Discover Bank, Member FDIC TL221-1.0210 1000MO_02BOK_TL22H0210_01363_reader.indd 1.2 12/15/09 1:37:03 PM CARDMEMBER AGREEMENT Please read this Agreement carefuAy before using your Discovers Card Account it contains the terra and conditions of your Amount, some of which may have charged from earlier nwterlals provided to you. In the event of any differences, this Agreement shall control. We respect your privayc See the Privacy section on 10 and our Privacy Policy for additional information. The Arbitratioe eof Disputes section on page 11 includes a waiver of a number of rights, indu the rht to a jury trial. The Right to Reject Arbitration section on page 13desai6es the you must follow if you desire to reject the Arbitration of Di sputes section. DEFINITIONS ......................................... .......... 2 USING YOUR ACCOUNT ............................... .......... 2 Your Acceptance of this Agreement ................. ........... 2 Permitted Uses of Your Account .................... ........... 2 Prohibited Uses of Your Account .................... ........... 2 Purchases and Cash Advances in Foreign Currencies .... ........... 3 Cash Advances ................................... ............3 Balance Transfers ................................. ........... 3 Credit Authorizations ............................. ........... 3 Authorized Users ................................. ........... 3 Unauthorized Use ................................ ........... 3 Your Credit Lines ................................. ........... 4 CHANGES TO THIS AGREEMENT ........................ ........... 4 MAKING PAYMENTS .................................. ........... 4 Promise to Pay ................................... ........... 4 Monthly Billing Statement ......................... ........... 4 Monthly Payment Options ......................... ........... 5 Automatic Billing Arrangements .................... ........... 5 How We Apply Payments .......................... ........... 5 Minimum Monthly Payment ....................... ........... 5 Skip-A-Payment Offers ............................ ........... 5 Credit Balances ................................... ........... 5 FINANCE CHARGES ................................... ........... 6 How We Calculate Periodic Finance Charges .......... ........... 6 How We Calculate Your Balances ................... ........... 6 Variable Interest Rates ............................ ........... 7 Default Rate ...................................... .......... 7 Cash Advance Transaction Fee Finance Charges ........ .......... 8 Balance Transfer Transaction Fee Finance Charges ...... .......... 8 Foreign Currency Transaction Fee Finance Charges ..... .......... 8 Minimum Finance Charge ........................... .......... B Account Set-up Fee Finance Charge .................. .......... B FEES .................................................. .......... 8 Annual Fee ....................................... .......... B Late Fee .......................................... .......... 9 Returned Payment Fee ............................. .......... 9 Returned Discover Card Check Fee ................... .......... 9 Pay-By-Phone ..................................... ...........9 Research Fee ...................................... .......... 9 DEFAULT AND CANCELLATION .......................... .......... 9 Types of Default ................................... .......... 9 Consequences of Default ........................... .......... 9 Cancellation ...................................... .......... 9 PRIVACY AND OUR COMMUNICATIONS WITH YOU ........ ......... 10 Our Privacy Policy .................................. ......... 10 Reporting to Credit Reporting Agencies ............... ......... 10 -1- 10DCM0_02BOK_TL22H0210_01363_reader.indd 3-4 12115/09 1:37:03 PM Our Communications with You ............................... 10 Releasing Information About Your Account .................... 10 Electronic Notices to You .................................... 10 Notices - Changes to Your Information ........................ 10 CLAIMS AND DISPUTES ......................................... 10 Merchant Disputes .......................................... 10 Claim Notices .............................................. 11 Arbitration of Disputes ...................................... 11 Right to Reject Arbitration ................................... 13 LEGAL INTERPRETATION OF THIS AGREEMENT ...................... 13 Severability .. ...... ... .............................. 13 Compliance with Interest Rate Limitations ...................... 13 Governing Law ............................................. 13 ASSIGNMENT OF ACCOUNT ...................................... 13 DEFINITIONS "Account" means your Discover Card Account. "Authorized User' means any person whom you authorize to use your Account or a Card, whether you notify us or not. 'Card' means any one or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule' means the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule is part of this Agreement. "Vile; 'us' and 'our' refer to Discover Bank, the issuer of your Discover Card. "You, 'your' or 'yours' refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, including the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of Disputes section as explained on page 13. Permitted Uses of Your Amount 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 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. -2- Prohibited Uses of Your Account Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agreement or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Currencies. If you make a purchase or cash advance in a foreign currency, it will be converted to U.S. dollars using either a government-mandated rate, a government-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. The rate used will be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign currency as described in the Foreign Currency Transaction Fee Finance Charges section on page S. Cash Advances. We may periodically offer you Promotional rates on cash advances for the time period specified in the offer, subject to the Default Rate section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. Balance Transfers. We may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain a promotional rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rate section and may corrtain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, if applicable. Balance transfers subject to the promotional rate are referred to as promotional rate balance transfers, balance transfers for which the promotional rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. Authorized Users. If you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us and destroy any Card in that person's possession. You can not us by telephoning 1.800-dSCOVER (1-800-347-2683), or by writing Discover, PO Box 30943, Saft 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. If a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1.800-DISCOVER (1-800.347-2683), or by writing Discover, PO Box 30943, Salt Lake City, LIT -3- IODCMO_02BOK_TL22H0210_01363_reader.iodd 5-6 12115109 1:37:04 PM 84136-0943. 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 invest- igation. 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 Finance Charges and fees, to exceed your Account credit line. If you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line. We may increase or decrease your Account credit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. CHANGES TO THIS AGREEMENT From time to time, we may, to thebextent tted by law, change any term of this Agreement, including, ut not invited to, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed, or add or delete any term to this Agreement We wig 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 by law, we will offer you the opportunity to reject a char . For example, law requires, with certain exceptions, that we offer you Z. opportunity to reject an increase in a late fee or the elimination of a graze period prior to the effective date of the change. If you reject achange in accordance with the instructions in the notice provided, we will 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 also change any tern of any product service or benefit offered in connection with your Account We will notify you as required by law or by the terms of the product, service or benefit MAIONG PAYMENTS Promise to Paw You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers including applicable Finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are using your Account or a Card. If you pay us in other than U.S. dollars, we may refuse to accept the payment or charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account If your Account is a joint Account each of you agrees to be liable individually and jointly for the entire amount owed on your Account. We can accept late payments or rtial payments or checks and money orders marked 'payment in fug' or with any other restrictive endorsement without losing any of our rights under this Agreement Monthly Billing Statement We will send you a billing statement after each .4 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 all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account duri the billing period. R will show your New Balance, Payment Due Date and inimum Payment Due as of the end of the billing period. H your prior monthy payment is returned unpaid, your required 9Minimum 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 described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms stated on your monthly billing statement, as well as the payment cutoff 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 SPM 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 Ming Arrangements. If your Account number and/or Card expiration date changes and our records indicate you have automatic billing established with a merchant, we will attempt to provide your new Account information to that merchant To ensure uninterrupted billing, we recommend thatyou verifythe 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. Each billing period, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement we will V*. these excess amounts in order of the Annual Percentage Rate applicae to the balance of each transaction category (as referenced in the Finance Charges section), generally from highest to lowest beginning with the balance subject to the highest Annual Percentage Rate. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will appy payments and credits in accordance with applicable law. Minimum Monthly Payment The Minimum Payment Due each month will be the greater of: • the New Balance if it is less than $15; • $15 if the New Balance is $15 or more; or • any past due amount plus the greater of: • 2% of the New Balance (excluding current Periodic Finance Charges and Late Fees) rounded up to the nearest dollar or • current Periodic Finance Charges plus Late Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. We mayalso include sane or ail the amount bywhich you exceed your Account credit fine. We may subtract certain fees to calculate the Minimum Payment Due. The Minimum Payment Due will never exceed the New Balance. Skip•A Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the cur Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business .5- 10DCM0_02BOK_TL22H0210_01303_reader.in dd 7- 12/15/09 1:37:04 PM days from receipt of your written request. If you do not request a refund, we will automatically refund credit balances greater than $1 that remain in your Account after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the dose of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period." There is no grace period on balance transfers or cash advances. As more fully described in the section titled "How We Apply Payments," we generally app p ents to your Account based on the Annual Percentage Rate a icable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending-on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchases. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) times (Daily Periodic Rate). You may refer to the Finance Charge Summary on your billing statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. How We Calculate Your Balances. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as shown on your billing statement, unless the transaction is posted to your Account after the 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 -6- the billing period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. Variable khterest Rates, One or more Daily Periodic Rates and corresponding Annual Percentage Rates that apply to a transaction category may be variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. Variable Annual Percentage Rates are determined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For purposes of this Agreement, the Prime Rate is the highest rate of interest listed as the "prime rate" in the Money Rates section of The Wall Street Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same month as the change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Default Rate. Each time that you do not make the Minimum Payment Due by the Payment Due Date we may, in accordance with applicable law. (i) terminate the availability of any promotional Annual Percentage Rates on new transactions, and (ii) increase your Annual Percentage Rates for new transactions to variable Default Rates. Each new variable Default Rate for a new transaction is determined b adding up to 5 additional percentage points to the otherwise a Kable Annual Percentage Rate and will vary based on any changes in t e Prime Rate. (For example, if the promotional purchase rate was 2.99% and the rate for other purchases was 15.99% and you paid late once, the rate for all new purchases could increase up to 20.99% variable and vary thereafter with the Prime Rate.) When we first determine the variable Default Rates, we use the Prime Rate effective for the billing period in which you pay late. The variable Default Rates are determined in accordance with the Variable Interest Rates section. We will base your Default Rate on your creditworthiness and other factors such as your current Annual Percentage Rates and your Account history. If we increase any of your Annual Percentage Rates to a Default Rate, we will send you a notice, in accordance with applicable law, advising of (i) the date the new Default Rate will apply (the "Default Rate Effective Date"), (ii) the type of new transactions to which it will be applied (note: the new Default Rate will not apply to any other transactions) and, (iii) your right to reject the new Default Rate. New transactions are those transactions which either (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) if permitted by a icable law, were posted to your Account after the current Default Rate E ective Date. Your Account will not be subject to a Default -7- t0DCM0_02BOK_TL22HO210_01363_reader.indd 9-10 1215/09 1:37:04 PM Rate for the first twelve billing periods after your Account is first opened. If your Annual Percentage Rate for purchases, balance transfers or cash advances was increased to a Default Rate, we will, to the extent required by applicable law, periodically review your Account to determine if any of your Annual Percentage Rates should be reduced. Any reduced Annual Percentage Rates on new and existing balances may be different and may be higher than your previous standard Annual Percentage Rates for purchases, balance transfers and/or cash advances or any promotional rate. Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of 5% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $10 and no maximum. The imposition of Cash Advance Transaction Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. All forms of cash advances, including the use of Discover Card che&% regardless of the purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add arty Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges. Unless otherwise specified in a balance transfer offer, we will charge you a Balance Transfer Transaction Fee FIANCE CHARGE of 5% of the amount of each new balance transfer with a minimum Balance Transfer Transaction Fee FINANCE CHARGE of $10 and no maximum. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each balance transfer transaction category and add up these amounts. Foreign Currency Transaction Fee Finance Charges. We will charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purchase made in a foreign currency. The imposition of Foreign Currency Transaction Fee Finance Charges may result in an Annual Percentage Rate for purchases that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on purchases for each billing period, we add any Foreign Currency Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of 530 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Account Set-up Fee Finance Charge. If your Pricng Schedule accompanying your Card includes an Account Set-up Fee, we mill charge you a one-time Account Set-up Fee FINANCE CHARGE in the amount indicated when we open your Account. FEES Annual Fee. If your Pricing Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your Accouq and at the beginning .g. 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 based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period for which we did not receive timely payment. H the sum is $250 or less, the fee is $19. If it is greater than $250, the fee is $39. Returned Payment Fee. We will charge you a Returned Payment Fee of $35 each time you pay us with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit account from which you have authorized us in writing, electronically or orally to periodically deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. Returned Discover Card Check Fee. We will charge you a Returned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. Pay-By-Phone. We may from time to time allow you to make payments by us over the telephone to transfer or pay funds from a deposiaccount to your Account. We will not charge you a Pay- "hone Fee. Research Fee. We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of 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 yyou 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; K you fail to comply with the terms of this Agreement including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of Default If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attomeeyyss fees and court or after collection costs as permitted bylaw and as actuaNy 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 waning 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-MDISCOVER (1-800.347.2683), or by writin Discover, Ply Box 30943, Salt Lake City, UT 84130-0943. 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 oint Account either Cardmember may cancel the Account, but you will 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 .9- IODCMO_0280K_TL22HO210_01363_reader.indd 11-12 12/15/09 1:37:04 PM return any Card or unused checks to us upon request PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respect the privacy of information about you and your Account Our Privacy Policy includes a summary of the personal information we collect, when it may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement. Reporting to Credit Reporting Agencies. As indicated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account including negative credit information. Late payments, missed payments or other defaults on your Account maybe 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 re esentatives without additional notice to you, including but not limited to calls we make to collect debts. We may use any medium permitted by law, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail and 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. H 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 30%1, Salt Lake City, UT 30961-0961 Releasing Information About Your Account We provide various methods by which you can obtain information about your Account We will on release such information to you, any Authorized User that our records indicate is an authorized buyer on your Account and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has garced 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. If you change your e-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 1-B00-DISCOVER (1-800.347-2683or by writing Discover, PO Box 30943, Salt 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 -10- 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 andlo 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 present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arisi 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 agreement you or we may elect to resolve the claim or dispute by an or bin Ting arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ('Class Action Wa'iver'). 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, -11- 1ODCMO_02BOK_TL22HO210_01363_reader.indd 13-14 12/15109 1:37:05 PM contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.org (phone 1-800.778-7879) or JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www.jamsadreom (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 re acement administrator or arbitrator, then a court of competent jurisdwi Lion 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 entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees andfor other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to Discover, PO Box 30421, Salt Lake City, UT 84130-0421. The arbitrator will decide who will ultimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attomeys' fees and court or other collection costs" had the action proceeded in court. In no event will you be required to pay anyy fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. If requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $100,000, any parry may appeal the award within 30 days to a three-arbitrator panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we Hell 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 Services LLQ, 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 -12- 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 bankruptcy y you and any sale by us of your Account Right to Rpeje?ctdArbitratiom You ma mpa the Arbitration of Disputness us a nod, of section wNin 30 after Card, aft the folloowwing addre : Discover, PO Box WM,SSalt Lake ft UT 84130-0938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will not apph to you. Your rejection notice must include your name, address, teeephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other amount as to which you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severabift If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section 411 be void with respect to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. If it is ever finally determined that but for this section, the Finance charges or other charges under this Agreement would exceed the maximum lawful amount the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agmement will be gooverned by applicable federal law and, to the extent state law applies Delaware lava ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. PRIVACY POLICY We are required by federal law to provide you with a copy of our Privacy Policy each year. B have previously notified us about your privacy preferences, as described in Section 4, It Is not necessary to do so again unless you decide to change your preferences. -13- IODCMO_02BOILTL22HO210_01363_reader.indd 16-16 12/15/09 1:37:05 PM We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mired knowing that the security of your personal information is our top prior rry We understand your concerns about guarding information about you and your Account We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. It includes a summary of the following important information: • A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sites. For example: • We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. • We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared with Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the Discovers Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who may be interested in the offer based on certain characteristic We will send the offer directly to those Cardmembers on behalf of the retailer by, for example, including an insert in their monthly billing statement or mailing,the offer ourselves. We control the information used to make the offer, we do not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, however, circumstances in which we may share the information we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to -14- adhere to our privacy standards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval. a. Sharing Personal Information with Our Corporate Family Our corporate family offers a variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal information with Non-Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Discover Card, in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and non- financial companies, such as retailers. c. Sharing Personal Information with Others We may share the information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing, market research and data processing; other financial institutions with which we have 'oint marketing agreements; or companies that are our partners for co-bra credit card programs or reward programs. We may also share such information as permitted by law. 3. How Do We Protect the Confidentiality, Security and Integrdty of Information about You? We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it in order to service your Account or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support seances, we require them to conform to our privacy standards. It is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information 6 incomplete or inaccurate, please write to us at Discover, PO Box 30943, Saft Lake City, LIT 84130.0943 so that we can update this information. 4. How Can You Limit Sharing of Information About You? about ivacy?? You me to whether may share information respect your you olptiontotell us s motto share the information we collect about you, as described in Section 1, with non- affiliated third parties You also have the option to tell us not to share the information we collect about you, as described in Section 1, with companies in our corporate family N u indicate a preference for either of these options, please understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources, or manage your finances To indicate your preference please pA us at 1-600.225-5202 or write to Discover, PO Box 30%1, Salt Lake City, UT 61130-0961. 0 you have previously notified its about your privacy preferences, it is not necessary to do so again unless you decide to rfrarhge your preferences Your written request should include your name, address, telephone number and Account -15- 10DCM0_02BOK_TL22H0210_01363_reader.indd 17-18 12/15109 1:37:05 PM number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and notthrough a third party. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor your request and not share this information except as permitted by law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers and financial institutions with which we have joint marketing agreements. If you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior to the processing of your request. This Privacy Policy is provided to the primary Cardmember listed on the Account However, any joint Cardmember has the right to notify us about preferences and we will treat that request as applying to the entire Account We do not share information about former customers, except as permitted by law. This notification supersedes all previously issued Privacy Policies. We reserve the right to amend this Privacy Policy from time to time and we will notify you if we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agency, Inc. and Discover Products Inc. Unless otherwise specified, it applies to the family of Discover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exclon of any information registered in connection. with the service, which will not be shared). It is part of your Cardmembr Agreement and provides a further explanation of how we collect and,share information. You may have other rights under state laws that apply to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents-Your state law requires financial institutions to obtain your consent prior to sharing information about you with others Except as permitted bylaw, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call rs at 1800 OVER (1 800 347-2683) and authorize us to do so. California Residents-Your state law requires financial institutionsto obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act f. Notify Us in Case of Errors or Questions About Your Bill 0 you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address -16- 1ODCMO_02BOK_TL22HO210_01363_reader.iridd 19-20 listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • your name and Account number. • your dollar amount of the suspected error. • describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about M you have authorized us to pay your credit card bill automatica on lly from your savings w checking account you can stop the payment any amount er must reach us three you think ns wrong. To stop the payment, your lett business days before the automatic payment is scheduled to occur. Z Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge our letter within 30 days, unless we have corrected the error by then. Win 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question or report you as delinquent. We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit. You do not have to pa a questioned amount while we are investigating, but you are still O igated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount If we didn't make a mistake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may repot you as delinquent. However, if our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount even if your bill was correct. 3. Special Ruk for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. A Purchases Made with Chedrs or Cash Advances The Special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or -17- 12115/09 1:37:05 PM services that you purchased with a balance transfer check, promotional cash dvance proceeds of a dornot have the g a to withholdpaymentt of the amount due?ance, you DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discovers Cardmembers are provided with S500,000 Scheduled Air Travel Accident Insurance.* You, your Spouse, Domestic Partner or eligible De ndent Children for whom a ticket was purchased on your Card (as d ined below) will be automatically insured against Accidental Loss of Life arising from and occurring on a Covered Tnp 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 emering or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM UMR OF INSURANCE: If more than one Insured Person suffers a Loss in the same Accident the Company will not pay more than the maximum limit of insurance ($20,000,000) per Accident. If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limit of insurance will be divided proportionally among the Insured Persons, baud on each applicable Benefit Amount In the event of multiple Accidental deaths per Account arising from any one Accident the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance. DEFINITIONS: Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. AcddLVltal Boddv Iniurvfiesl means bodily injury which is Accidental, is the direct source of a Loss, s independent of disease, illness or other cause and occurs while this policy is in force. Account means a Card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account. Cr means the Discover Card. Cwdmern means the holder of the Card whose name appears on the credit card. Cam( means the Federal Insurance Company. Covered THD 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. _18_ r i means those children, including adopted chi dren and thou 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. ponnsk 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. Hilild 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. I= means the Loss of Life. Loss of jjfs means death, including clinical death determined by the local governing medical authorities. Pditalder means DFS Services LLC, the entity responsible for the payment of premium. Scheduled Airuaft means an aircraft owned and/or operated by a Scheduled Airline. Bg means an airline which is either of United States registry and certified by the United States government to carry passengers on a regularly scheduled basis or of foreign register and approved by the United States government and the appropriate foreign authority. Warr means hostilities following a declaration of War by a government authority. If there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFITS: If the Insured Person has not been found within ante yyeeaar of the discppearance, stranding, sinking, wrecking or breakdown of any Shceduled Aircraft or conveyance in whidi the Insured Person was covered as an occupant it will be assumed, suTb a to all other terms of the policy, that the Insured Person has suffered Loss of life covered under this pokey. EXPOSURE BENEFITS: 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. It is not necessary for you to notify the Policyholder 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 _19_ IODCMO_02BOK_TL22HO210_01363_reader.irdd 2142 12/15/09 1:37:06 PM 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. Policyholder pays the full cost of the insurance. THE BENERCUM. The Loss of life benefit will be paid to the beneficiary designatedby you. If no such designation has been made, that benefit will be paid to tfle first surviving beneficiary in the following order: a) your spouse; b) your children; 0 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 writing to the plan administrator at: The Direct Marketing Grorp,? Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at BeneficiaryrequestOTheDirectMG.cam. EXCLUSIONS: This insurance plan does not cover Loss resuhing from: (1) an Accident occurring while an Insured Person is in, entering, or exiting arty aircraft owned, leased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Person is in, entering, or exiting any aircraft while acting or training as a pilot or crew member (this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency); (3) emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible, CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of loss to us within 15 days If you do not receive the forms, you should send the Company a written description of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of Loss CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after compete proof of Loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of the policy. ARBITRATION: In the event of a dispute under this policy, either the Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. The two arbitrators wil 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. -20- 10DCM0_O2BOK TL22H0210_01363_reader.indd 23.24 IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT i 4w-CLAIMs-0 (1400.252.4670). 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 :p ppropriate form, print out the claim form, fill out and mail. You can file daim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300-2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary, of the principal provisions of the insurance while in effect. Complete policy provisions are contained in the Master Policy, which can be obtain from the Policyholder: Policy #9906.18-06 Policy Underwritten By Wan Administrator Federal Insurance Company The Direct Marketing Group, Inc a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discovers Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a vehicle for 31 consecutive days or less (or 45 days under certain circumstances described below) with your Card (as defined below), you may be eligible for benefits under this coverage. Excess Collision Damage Waiver is an insurance program, underwritten by Federal Insurance Company Policy #9906-17-63 (the 'Policy'). DEFINITIONS: Accou means a Card account. Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of loss, less depreciation. Clr means the holder of the Card whose name appears on the credit card. CAlrf means the Discover Card. Collision Damage means the direct and accidental damage to a Rented Automobile roused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. Company means the Federal Insurance Company. Mwrod means Cardmembers and authorized users of the Account. Phi er means DFS Services LLC, the entity responsible for the payment of premium. flsof? Am% means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Ranted Automobile means a four-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented -21- 12/15/09 1:37:06 PM Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile is charged or debited to your Account it is not necessary for you to notify the Company at the time the rental fee is charged or debited to your Account. • You must decline the LosslDamage Waiver offered by the vehicle Rental • You must rent the vehicle in your own name and sign the vehicle rental agreemenVcontract. • The coverage period will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder as required, and subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Incased or the Rental Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liability will be for a maximum reimbursement of $25,000. In no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. • If you or an Insured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts not covered by other insurance. • This coverage is not all-inclusive, which means it does not cover such things as personal in'urryy or personal liability. It does not cover you for any damages to other ve?I es 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 minibuses; limited edition motor vehicles or high value, exotic high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds 550,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented anywhere in the world. • Coverage is not available where prohibited by law. WHAT 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 property for hire. • Use of the Rented Automobile by a person other than the one authorized -22- IODCMO_02BOK_TL22H0210_01363_reader.indd 25-26 to operate the Rented Automobile by the terms of the Rental Agreement • Loss of use of the Rented Automobile. • Intentional damage to the Rented Automobile by the Insured. • Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure. • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days if the insured its 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 specifically provided for under the terms of this plan and if the following criteria is met: (a) the Rented Automobile 6 rented for use outside the United States, its territories and possessions, (b) the Insured is an employee of an or anization which has provided the Card to the Insured for business use; and (c) the Rented Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLSION DAMAGE WARIER: 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 1444 AIMS-0 (140252.4670). You can also go to the Company Web site (wwwchubb com), dick on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300-2538 CLAIM PROCEDURE: The Insured mist send the Company written notice of a claim, including the Insured's name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative: • A copy of the Account statement showing the automobile rental transaction. • A copy of the automobile rental agreement • A copy of the police report. • A copy of the initial claim report submitted to the automobile Rental Agency. • A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. • 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. -23- 12/15/09 1:37:06 PM Reminder. Please refer to the Insurance Disclosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect Complete provisions pertaining to this plan of insurance are contained in the master policy on file with DFS Services LLC, herein referred to as the Policyholder. If a statement in this Summary of Coverage and any provision in the policy differ, the policy will govern. Policy Underwritten By Plan Administrator Federal Insurance Company ('Company") The Direct Marketing Group, Inc a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Master Policy Number. 9906.17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising, and/or brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. 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. H 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 apJAY I your Card ivileges have been cancelled. However, insurance benefits will still apply fa any benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the insured relating thereto. Coverage for an Insured will be void if, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud or false swearing by the Policyholder or its subscribing organization(s) relating hereto. -24- t0DCMO_0280K_TL22H0210_01363_reader.indd 27.28 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 acts shall be deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others: This coverage will in no way inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation: It is a condition of this insurance that if the Company pays the Insured for a loss, it will require the Insured to assign and transfer any claim or right of action aggainst any individual, firm or corporation for such loss to the Company or subrogate or hold in trust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration: In the event of a dispute under this policy, either the Company or the Insured may make a written demand for arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbitrators will select a third. H 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 CONDRIONS The Global Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. it is operated by AXA Assistance USA, Inc. Visit Discovercard.com/travel to learn more. Eligib ft You must be a Cardmember whose Account is in good standing, the Cardmembees 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 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 (1-800347.2683) for assistance or if you have questions about a specific destination. Outside the U.S., call us collect at 1-801-902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided by third parties. The services and these terms and conditions are subject to change without notice. 25- 1015109 1:37:07 PM EXHIBIT "4" r-- --- -- -- Now Balance 1 Minimum Payment Due I Account Number ending in 2369 DISCOVER $4,501.46 L-$91-.00 _ - Enter Amount Enclosed Below Payment Due Date $ February 18, 2005 Please make check poyable to Discover Platinum Card or pay online ®Discovercard.com. 19 SDSN6A0100 11486 RICK HOOVER Access and manage your account at www.Discover.com or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 111111111111111111 111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone chanW Print change in space )uI?IIu)n?I?I)n?)n)?In?)II)uriuinlnllnir,I?rI?InII above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228045014600091000009100 Discover Platinum Card Account Summary Closing Dab: January 19, 2005 page 1 of 1 Account number ending in 2369 Previous Balance $4,538.36 Payment Due Date February 18, 2005 Payments And Credits 91.00 Minimum Payment Due $91.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $498.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Penance Charges + 54.10 Cash Credit Available $498.00 New Balance $4,501.46 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 13muSe Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance E 50.39 Cashback BonusO Since Anniversary Month March: $50.39 CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by logging into the Account Center at Discovercard.com or by calling 1.877-YOUR-AWARD (1-877-968-7292). How Can We Help You? 1 Visit Discover com to pay year h4l for no cost, ew r latest Account information, eam and redeem rewviards?aund more It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347-2683) for fast, easy selhservice M anager options or to speak with a Customer Service Account 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 UaWlity Guaranlee Use your Discover Card with confidence. Post D ate Payments and Credit Jan 16 Jan 16 PAYMENT THANK YOU $ -91.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. 0415135 Finance Charge Summary Nominal Transaction Average Daily Daily Periodic ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days - Purchases $4552.80 0.03833% 13.99% F 13.99% $54.10 $0 Cash Advances s0 0.05751% 20.99% F 20.99% s0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Protect your good credit during this busy Holiday season. ProffleProtect(R) helps you manage your credit, prevent identity theft & reduce your risk of fraud. ProfileProted provides a copy of your credit report, monitors your credit file every business day & alerts you to changes. Enroll today 1.866.708.0672 or Discovercard.com/ProfileProtect. Imporwrt Information. If there is more Ow one page to this bring statement, see the back of each page for additional important information. o See your Cudrrember AgreernerN. Your Cardniember Agreement mntans afi the terms of your AecounL ce z Lost or steam cards. Report im medoW. Cal 14W347-2683. o Bdkq Rights Summary. In Case of Errors or Ouesiions About Your W: 0 you think your NO is wrong, or if you need more information about a transaction on your bill, wMee us on a o separate sheet of paper at Discover, PO Banc 30421, Sal Lake City. UT 84130-0421, as soon as possible. We must hear from you no later than 60 days alter we sere you the first NO on ? which to error or problem appeared. You can telephone us, but doing so wil not preserve you 40. In your letter. give us the liIbvdng kdam,alion: Your name and Account number. The dollar amount of the suspected error. Describe the error and explain, t you can, why you believe there is an error. t you need more inbnnafion, describe the lido you are unsure about. You do not have to pay any anwrht n question while we are investigating, but you are still obligated to pay the parts of your hag that are not in question. White we Investigate your question, we cannot report you as delinquent or take any action to collect the anaunt you question. Special Rule for Cradl Card Purchases: If you have a problem with the tinny of goods or services that you purchase; with a credit card, and you have fried in good faith to orred the problem with the merchant. you may not have to pay the remaining anxxW due on the good or services. You have to polection only, when the purchase price was more than $50 and the purchase was made in your fame stale or wlhn 100 mites of your mailing address. (If we own or operate the merchant, or t we mailed you the advertisement for the goods or services, all purdhases are covered regardless of the amourt or location of purchase.) Payments. Send only your payment and the top portion of his 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 kind transfer tom your amount at the francia institution intlicaled on your check or to process the payment as a deck transaction. If payment is processed as an slectrahic lurid transfer, go transfer wig be for the amount of the check. When we use information from your check to make an eledronic kind Water, kinds may be,vtt,drawn from you account as soon as the same day we receive your payment, and you will not receive your deck back tram your financial institution. The processing of your payment may be delayed it you send rash, correspondence or other lama with your payment, t you send the payment to any odw address or if you use an envelope other tan the one provided. Payments received in props krm at our processing bcky by 5PM local am on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM kcal time wit be credited b yourAOmunt as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601976103. Please allow 7-10 days ter delivery. t your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount of the teleplhone, and you can set up automatic payments. Cat hat at 1.800.341.2683. You will need tits statement and your bank account rdamation. You must ensure tat skl6oent kinds are available in your bank amount, sid all transactions must coney with U.S. law. You will be asked to provide the first 5 digits of your amour statement ZIP code. By entering those numbers as your elections signahre, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize team you bank account, and to initiate debit or credit entries to your bank account, as applicable to coreoi an error in the processing of such payment. You must id us the amount of each payment or you can select an amount such as the Minimum Payment Due or to New Balance an each stabtment. You can anal a payment. however we must receive notice at least tree business days in advance. of the scheduled payment You may natty us by phone at 1.800347-2883 or by mail at the address listed in the previous paragraph. If your payments may vary in amount, we tit NO you on each monthly statement when your payment will be made and taw mud, it wit be. You Aularnauc payment amount may be less than indicated on to monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information abol your account to credit bureaus. Lab payments, missed payments, or other defaub on your account may be reflected in your credit report. We normally report the status and payment history of you Amount to credit reporting agendas each month. t you believe go our repot is inaccurate or incomplete, please write us at the following address. Discover. PO Box 15316, Wiknimglon, DE 198505318. Please include your name, address, lame elephore number and Account number. Periods FWanee Charges. Except as provided below. we will wpm Periodic Fnenom Charges on purchases, ask advances. and balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Baknoes until the dale of repayment. Old Balances are comprised of ether purchases and cash advances made on or prior to the last day of your bON period ending during February 1993 or Rescue Line balances. You can avoid peynsM of Periodic Finance Charges on new purchases if you pay the New Balanoa shown on the biting statement on which the purchase list appears by the payment Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. WB cat this the'grace period" You do n of have a grace period on balance transfers or ash advances. Periodic Finance Charges are imposed on new balance transfers ant ash advances beginning with to date the transaction occurs. Periodic Finance Charges are imposed on at transactions and Old Balances until the date of repayment. Repayment means payment of your entire New Balance. However, it you pay the New Bataroe shown an this biIng statement by the Payment Me Date, aid the Payments and Credits shown on this sbtement equal or exceed the Previous Balance, we will not impose Periodic France Charges on new purchases. tats, pwxdwses twat appearing on this statement. t your Amount was dosed as o(September 27, IM, you can avoid payment of Periodic Finance Charges t you pay the New Balance shown on this SW~ by the Payment Due Date and the Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise. you wig receive a bit" statement next month that Includes Periods Finance Charges imposed until tie date of repayment. We compute Periodic Finance Charges each day br purchases. ash advances. balance transfers and Old Balarnoes (which we refer to as transaction alegories) by using the folbwine equation: Average Daily Balance x number of days In the b&V period x Daily Periodic Rate (Refer to the finance tint ;, ;um" on the front of you statement for these amounts ) Then we add all to Periodic Finance Gorges for each transaction category to get to total Periodic Finance Charges for your Accomt. The Average Daily Balance is shown as 0 9 no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Deily Balance (including new transactions) meted of calculating one balance upon which we impose periodic Finance Changes. We ampule the average day balance fix each transaction category by adding up at She daily balances In a NOR period b a transaction category and dividing One total by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by fist adding the fotowkg to tie previous days dally balance: transactions made Bat day, fees charged tat day, and Periodic France Charges accrued on the previous day's daily balance: and by then subtracting any credits and payments that are applied against to balance of the transaction Ol3fiUkled from the balance of the purchase and cash advance transaction alegaies. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are Included in the daily balance transfer trannsectim category Balance traders that were subject to an initial special rate bat has been terminated due to a Iab payment are also included in the category until the initial special rate of erwise would have expired. In calc leling tw day balance of the balance transfer transaction category on to IN day of the biting period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance trarsers that become purchase rate balance franskrs on that day and we add that unpaid balance to the balance of the purchase transaction alegay. At fees Barged to your Account are added to be putchese I insisdow category with the exception of Cash Advance Tnnsacton Fee France Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Gorges which are added to the balance transfer transaction category . t a transaction made in a previous biting period is i eirked on this statement we consider to transactor data to be the first day of the current billing period when we calculate you Periodic Finance Charges. For TDO (Telecommurkabons Device for the DeA assistance, call 1410347-7449. Discover may monitor andlor record telephone cats between you and Discover representatives for quality assurance purposes. The Discover card is issued by Discover Bank, Member FDIC. OITBK064 New Balance Minimum Payment Due OVER Account Number ending in 2369 l $4,464.14 $90.00 DISC Enter Amount Enclosed Be ow Payment Due Date $ March 18, 2005 Please make check gyaable to Discover Platinum Card or pay online 'Diacovercard.com. 19 SDSN6A01 0011487 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Address, e-mail or talephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Access and manage your account at www. Disc over.com or visit m.discover.com on your mobile phone. PO BOX 71084 IIlr.rll"""111'lrrllrrrl CHARLOTTE NC 28272-1084 11 111111 111 11111811 111181 11 1111111 000001986458892412228044641400091000009000 Discover Platinum Card Account Summary Closing Date: February 19, 2005 page 1 of 2 Account number ending in 2369 Previous Balance $4,501.46 Payment Due Date March 18, 2005 Payments And Credits 91.00 Minimum Payment Due $90.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $535.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Ch r s + 53.68 Cash Credit Available $535.00 Neww Baance $4,464.14 You may be able to avoid Periodic Finance Charges, so* the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 50.39 Cashbock Bonus® Since Anniversary Month March: $50.39 How Can We Help You? 1 Visit DieCOMK.Cen to pay your bil for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll 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 Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Data Payments and Credits Feb 17 Feb 17 PAYMENT THANK YOU $ -91.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as credit resource in case of emergency. Call 1.800-DISCOVER or visit Discovercard.com/AciditionalCords today. Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4518.62 0.03833% 13.99% F 13.99% $53.68 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Security Information: Some criminals imitate the a-mails of legitimate companies to entice people to sharo personal information. This is known as "phishing." By following a few simple steps, you can keep your personal information safe and secure. For details, go to Discovercard.com and click on Security Information under Online Safety. knportanf Inigmation. 0 Owe is more than one page to tits biting sGleniers, see the bade of each page for additlonal important nMmatim. See Wit, Cwdvwnbw Agreement. Your Cartimember Agreement Canaihs at the items o (your Accent Lost or stolen cards. Reporl i medislely! Call 1411111 .2613. Biting Rights Summary. In Case of Errors or Question About Your Bit If you think your bit a wag, or ti you need more Information about a transaction on your bill, mite us on a separate sliest of paper at Discover. PO Box 30421, Salt Lake (fly. UT 8413DO421, as soon as possible. We must law from you no later Olen 60 days after we sent you the first bit on which the error or problem sppeaed. You can talsphons us, but doing so will not preserve your rights. In your Wer. give us the following information: Your name and Account amber. The dollar amewt of the aU9ped8d ems. Describe the ems and explain, t you can, why you believe thin is anew. n you need more ir/ormallon, describe the here you are unsure about. You do not have to pay any snood In question vAie we are i vesbgalirg but you are ati obligated b pay the pats of your bit Oat are not in question. While we investigate your question, we amen report you as delinquent or take any action to collect the amount you question. Special Rule for Cm& Card Purchases: If you have a problem with the quality of goods or services that you pudesers with a credit cad, and you have kW in good faith to cared the problem with the mordant, you may not have to pay the remaining anxwnt die an the good or services. You have the protection only when the purchase price was more than $50 and the purchase was made in your torte stale or within 100 miles of your maivng address. (O we own or operate the merchant, or If we mailed you the advertisement for to goods or services, at purdiases are covered regardless of dhe amort or location of purchase.) Paynenls. Send only your payment and the top potion Of this stalema0 in the envelope provided. Do not said ash. By sending your deck as described above, you authorize us to use nknnakad on yaw check to make an electronic lud iraresler trim your account of the financial inaOluticn indicated on your check or to process the payment as a cede transaction. If payment is processed as an electronic knd trander, the transfer will be for to errant of the deck. When we use information from your check to make an election: fund transfer, fonds may be withdrawn from you avant as soon as the same day we receive your payment. and you will not receive your deck bad ken your rnwhdal Institution. The processing of yaw payment may be delayed it you ssnd ash, correspondence or ether kerns with your payment, if you send the payment to any Other address or it you use an envelope od w Urn the one provided. Payments received in proper form at our pmoseseg ladhy by 5PM local one an any day will be credited to ycurAccormt as of that day. Payments received err our processing facility offer 5PM kcal firm will be credited to your Aocam as of the next day. 9 you have misplaced yaw envelope, awed your payment to Discover, PO Box 61G3, Cad Stisan, IL 60197.6103. Please slow 7-10 days for delivwy. If your payment is rehmed unpaid. we reserve Ow right to resubmit t as an electronic debit. You can pay you minimum payment or a greater amount of the leleplhae, and you an set up a Aonaic payment. Cal ne at 1400.341.2683. You will need this statement and your bank account nkxmation. You must eoewe that sufficient kinds are available in you bank account, and all transactions must comply with U.S. low. You will be asked to provide the first 5 digits of yaw account st8twneft 21P code. By wtairg those writers, as your elackonc signature, you will be agreeing to to authorization to allow us and yaw bank to deduct each payment you authorize from you bank account, and to Mae debit or aedi entries to you bank account, as applicable to correct an error in the processing of such payment. You must tell us the anewt death payment, or you an select an smeun such as the Minimum PaynheW Due or the New Balance on each statement. You can anal a payment. however we must receive notice at nest three business days in advance of the scheduled payment. You may notify us by phone at I AO.347-2683 or by mail at this address listed in the previous paragraph. 9 you payments may vary in amount. we IN tell you on each mor#4 statement when you payment will be made and law much It will be. Your Automatic payment amount may be less than indicated an the monthly statement based on credits or payments applied dung the billing cycle. Credit Reporting. We may report nbrnnalon about your account to credit lxrene. Late payments, missed payments, or other dit to on your amount may be reflected in your credit repot. We normally report the status and paymernt history d you Account to credo reporting agendas each moth. t you believe that our repot is inaccurate or ihcarpkle, please wMe us at the following address: Discover. PO Box 15316, Wlknirghon, DE 198545316. Please Include you name, address, tame telephone nMiber and Accent number. Perbdie F4whee Charges. Except as provided below, we will wpm Psnodic Finance Charges on purchases, ash advances, ad balance transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until One dale of repayment. Old Balwnas we comprised of either purchases and ash advances made on or prior to the last day of your billing period aldng during February 1993 or Reserve lira batanoes. You an avoid payment of Periodic Fiona Charges on new pucheses t you pay the New Balance shown on the bill g statement on which the purchase first appears by the Permit Due Date, and the Payrnnwta ant Craft on the etalanent equal or exceed yaw Previous Balance. YVe call the the 'grace period' You do not have a grace period on balance transfers or cash advances. Poicift Finance Charges are imposed on new balance tranele is and ash advances beginning with the date the transaction Odors. Periodic Finance Charges are imposed on all Wrisactions and Old Balances urd the dab of repayment. Repsytent news payment of yaw entire New Balance. However, if you pay the New Balance atewn an the biting statement by the Payment Due Date. and to Paynens and Credits shown on this slat~ equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new p rchaw. that is, purchases hest appealing on this ateterrerht. O yam Accowt was closed as of SepMnner 27, 1909, you can avoid payment of Periodic France Charges t you pay the New Balance shown on this Statement by 00 Payment Due Dale and the Paynenls and Credits an to statement equal or exceed your Previous Balance. Otherwise, you will receive a tiling statement nerd math tat includes Penodic Fnervoe Charges krposed wdi the dale of rpuaymem. We compute Periodic France Charges each day for purchases, ash advances, balana transfers and Old Balances pdtdh we rata to as transaction ategorles) by using this blown9 equation- Average 0 hi!y Balance h number of days in the, bit period x Daly Periodic Rafe. (Refer to the finer" charge summary on the front of your statement for Otess amounts l T1wv; we add sit the Pe.aclc Finance Charges for each transaction category to gat the totet Periodic Finance Charges for you Accent The Average Daily Balance is shown as 0 if no Periodic Finance Charges apply to the balance in a Wi sactori category. WB use the Average Daily Balance (including new twrsaelions) method of cdm"g the Ielerce upon which we impose Periodic Fnaria Charges. WQ tion lte the avwage daily balance for each transaction category by adding up all the day bananas in a bfbrg period lot a Varmcbm category and dmidag the total by the number of days In the biting cyce. We ?day, compute the daily balance Charges a? ccrued transaction on ft previous de each by ind a by Im subtracting any credits adpayymm eirs that at balancer ae transactions nods applied agars the that balance of the transaction and Paiodccc Finance category on that day. Old Ba"WiS& from Me belance of the purdase and ash advance trarsecaon categories. Special rate balance transient and Balance Transfer Transaction Fee From Charges are included in the daily balance transfer transaction category. Balance transfers that were subject to an k"' special rate dial has been tenanted due to a lass psymem we also included in tw category until to robs special rate otherWae would have expired, n calculating the dry balance of the brace nnsw transaction category on the k sl day of the biking period, we subtract the unpaid bate xxi of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that unpaid balance to this balance of the pudwe transaction category. AN fees charged to WArpoounl am added to the purchase transaction category with the exception d Cash Advance Transaction Fee Finance Charges which am added to to ash advance transaction category and Balance, Transfer Transaction Fee Finance Charges which are added to the balance transfer tramiaction category. O e transaction made in a previous biting period is hlemized on this statement, we consider the kaosaction date to be the hire day of the drrent billing period when we calculate your Pedodc Finance Charges. For TDD (Telow munieat ons Device for the Deaf) essiahnn: all 1x06347.740. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assuamz purposes. The DiscovW card is issued by Discover Bane. Member FDIC. OITBKO64 DISCOVER I Closing Date: RICK HOOVER L-Eehrunry 19- 2005 Account number ending in 2369 page 2 of 2 Cashback Bonus° Plus Summary Cashback Bonus Anniversary Date: March 19 Balance Previous Cashback Bonus Award Balance $ 50.39 Gas & Purchase Award + 0.00 Cas ac Bonus Award Total 50.39 Cashback Bonus Award Balance Award Available to Redeem 9415135 50.39 $ 40.00 Restrictions apply to Cashbock Bonus Pater offers visit Discovercom or call. 1-800-DISCOVER (1-800-347-2683) for details. For program tails, see the Coshbock Bonus program Terms and Conions. DISCOVER New Balance i Minimum Payment Due; Account Number ending in 2369 $4,422.13 I $89.00 Enter Amount Enclosed Below Payment Due Date AFd 18, 2005 Please make check pa8;ble to Discover Platinum Card or pay online 6 iscovsrcard.com. 19 SDSN6A01 0011488 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Diswver.com or visit m.discover.com on your mobile phone. PO BOX 71084 Illrrrll"""111'1rrllrrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change4 Print change in space rrlrllrilrrrlillrrrlrrlrlrrrl(Ilrrrlrrlrilirllri)rr?rrlrlrrl( above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228044221300090000008900 Discover Platinum Card Account Summary Closing Date: March 19, 2005 page I of 1 Account number ending in 2369 Previous Balance 54,464.14 Payment Due Date April 18, 2005 Payments And Credits 90.00 Minimum Payment Due $89.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $577.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charts + 47.99 Cash Credit Available $577.00 New Balance $4,422.13 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashbock Bonus This Period + 0.00 Cashback Bonus® Since Anniversary Month March: $50.39 CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by logging into the Account Center 'at Discovercord.com or by calling 1-877-YOUR-AWARD (1-877-968-7292). Cashback Bonus Balance $ 50.39 How Can We Help You? I Visit Discover corn to pet' your 6M for no test' n w r latest Account information, earn and redeem ro s and more It's your choice - 3 ways to help 2. Call I.800•DISCOVER (347-2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dote Date Payments and Credits Mar 15 Mar 15 PAYMENT THANK YOU -90.00 Information For You Call 1.800.767-7315 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 moneyl NM&Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARM CHARGES current billing period: 28 days Purchases $4471.23 0.03833% 13.99% F 13.99% $47.99 $0 Cash Advances $O 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Did you know that millions of credit cards are lost or stolen every years The Register(R) can help prevent credit card fraudl In the event your cards are lost or stolen, we'll cancel them and have new ones reissued to you. Plus, you'll receive a credit report & 60 day monitoring. Call 1.800.347-3395 or visit Discovercard.com to enroll. YnPorw I Wmition. If there is mac than one page to this billing statemda, on the bade of each page for additional important information. See yaw CardrnemberAgnemeM. Your Cardmember Agreement contains al the terms Of your AcoounL Lad or ablen cards. Report inmedialely? Call 1-IOg447.2M Bang Rights Summary. In Case of Errors or Questions About Your Bill: If you #" your bill is wrong, or if you need more nlor atiah about a transaction on your bill. write Lis on a separate shed of paper at Discover. PO Box 30421. Sall Lake City. UT 8413DO421. as soon as possible. We must haw from you no later Iran 60 days after we sent you the fast bill on which the wor or problem appealed. You can telephone us, but doing so call not preserve your rights. In your leper. give us tie Mown information: Your name and Await number. The dollar amount of the suspected aria. Drabs the aria and explain. if you can, why you believe there is an aria. 0 you need mom i lomhation, describe the item you are unsure about. You do not have lo pay any amount in question white we am investigating, but you are sO obligated to pay the parts of your bill that are nut in question. While we investigate your question. we cannot report you as delinquent or take any action W collect the a naunl you question. SpvM Rule for Credit Card Purchases: t you have a problem with the quality of goods or services thal you pudomes with a aedil cad, and you have tried in good faith to cared the problan with the merchant, you may not have to pay the remaining araUM due on fro good or services. You have the protection only when to Purchase price was more tan $50 and the purchase was made in you hone stale or within 100 rides o (your mailing address. (I we own or operate the merchant, or 4 we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location d phudhase.) Payments. Said any you payment and the lop portion of to daleaW In the envelope provided. Do not send cash. By sending your chedr as described above, you Whorize us to use i lonnasiah an your dleck to make an electronic kid transfer from your awash at the kill ndal institution i Irdbd on your died or b process the payment as a check trahwon 0 paymaN is processed as an electronic And transfer, the transfer will be for the amount of the check. When we use information from your dwlek b make an elecoorik kid transfer. Ards may be wiadrown from you account as soon as the same day we receive your payment, and you will not receive your creek bads from you finance institution. The prooessing of your payment may be delayed if you send cash, comspo Bence or dim items with your payment, it you sand the payment to any other, II , i or it you use an envelope other than the one provided. Payments received in Proper form aloe proossairg b c*y by 5PM local time on any day will be aedked to you Account as d that day. Payment-, received atour processing faa* aka 5PM local line vdl be credited b ywr Amourd as d the next day. t you have faSplaOed your envelope, send your payment to Discover. PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. 0 your payment is returned unpaid. we reserve the right b resutxM it as an electronic dell You can pay your minimum payment or a greafa amount of the tebphahe, and you can set up a to nalic payments. Cal us at 1 347-2683. You will need M statement and your bank account idormawn. You must ensure that aulfdet kids are available in you bank account, and el trauaciore must comply with ills. law. You wit be asked b provide the first 5 digits of you amount dalameM ZIP code. By entering those numbers as you electronic sig glum, you will be agreeing to cis authorization to slow us and you bats to dedud each payment you authorize from you but account, and to irMials debit or credit entries to your bank accara, as applicable to oared an error in the processing of such payment. You muss let us to armlet of each payment, or you can select an amount such as to Mninrn Payment Due or the New Balance on each statement. You can cancel a payrroM. however we mud motive notice at boost time, business days in advance of the scheduled payment, You may racily us by phone at 1 341.2883 or by mail at the address fisted in the previous paragraph. 0 your pwfrm s may very in amount. we tat sell you on each no" statement when your payment will be maws and how mach It will be. Your Automatic payment amount may be less than indicated on the monthly sratemed based on aedhts or peyrmits applied during the bung cycle. Credit Reporlhrg. We may repod'nfametion about your amount b credo bureaus. Late payments. missed payments, or other defaWs on you aooant may be reflected in your credit report. We comely report the status and payment hisbry of yaw Account to a" reporting agencies each month. 0 you believe Thal our report Is inaccurate or incomplete, please write us at the following address Discover. PO Box 15318, Willi irhgmm, DE 19850b318. Please iakrde your name, address, home Wephhae number and Account number. Partook Finsom Charges. Except as provided below, we will impose Peiek Fierce Charges on purchases, cash advances. and balance Modem beginning with the date the transaction own until the date of repayment and on Old Balances uNi the, dale of repayment. Old Balances are oomprieed of ether purchases all cash advances made on or prior to the past day of your billing period o ding dung February 1993 or Reserve Lice balances, You can avoid payment of Periodic Fkwroe Chagas on new puchaw 0 you pay the New Balance shown on the blllg statement on watch the purdase fist appears by the Payment No Date, and the Payments and Credits on the statement equal or snood you Previous Balace. We cal ft the'graw pared' You do not have a grace period on balance sahsfers or cash advances. Periodic Finance Charges are imposed on new babnoo transfers and cash advances beginning with the date the transactor orris. Periodic Finance Charges am imposed on all to isactae and Oil Balances utl the date of repayment. Repayment means payment of your ahttre New Balance. However, if you pay the New Balance shown on this billing statement by the Payment Due Oahe, and the Payments and Credits shown on this statement equal or exceed the Previous Sabres, we will not Wpm Periodic France Charges on new pxrdeses. thatis, purchases teat appearing onIts slatarent. If yo rAcomit was dosed as of September 27. 1999, you can avid payment of Periodic Finance Charges 0 you pay to New Balance spawn on the Statrent by the Payment Due Dale and the Payments and Deft on the sletemerht equal or exceed your Previous Balance. Otherwise, you will receive a bilig stalareM mad math thal includes Periodic Finance Charges imposed Irtd the date of repayment. Wit compute Periodic Finance Charges each day for "dam, cash advaaas. balance transfers and Ole Saloom (wftdn we haler to as transaction categories) by using to following equation'. Avere-ge Oaey Balance x number of days in the billing period x Daly Perak Rate. (Refer to the finance charge summary on the hM of your statement for lose amounts.) Then we aid all the Parade Finance Charges for each transaction category to gel to IDW Periodic Finance Charges for your Account. The Average Dadyr Balance is dawn as 0 it no Perak Finance Charges apply to the balance in a transaction ealegory. Vie use to Average Daly Balance (r du&V now trarsaetons) mouthed of calaiatirg to balance upon wlhidh we impose Periodic Finance Changes. We oanpute the average daily balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the k al by the amber of days in the bung cycle. We conVule the dally balance for each transaction calegony on each day by tint adding the blosag b the previous day's daily balance: transactions; made that day, bas charged that day, and Peno is Finance Charges accrued on the previous day's daily balance: and by then subtracting any credits and peymerhts 1hat are applied aganst the balance old* transaction category on that day. Did Od" from the balance of the wic ace and faatl advance Yahsadion categories. Special rate Wanes Misfem and Balance Trawler Transaction Fee Fiance Charges are it dUWed in the day balance Venter transaction category. Sabres tronelas that were %*ct to an Held special role that has been term ndad due to a We payment are also included in the wlegory until the initial special rate otherwise would have expired. In calculating the daily balance of the balance tranbr transaction category on the final day of the billing pored. we subtract the unpaid baMoe of those Balance Tram miler Tro m id an Fee Finance, Charges and balance transfers that became purchase rate balance transfers on that day and we add that unpaid balance to the bahonce of the purdns s transaction category. AN feet charged to your Acaxuhf are added to to purdiase braecton camgay with the exception of Cash Advance Transactor Fee Finance Charges which are added b the cash advance transaction category and Balance Transfer Transaction Fee Finance Chagas which are added to you balance transfer ransaction category. t a transaction made In a previous billing period is itemized an this statement, we oo mider the transaction date b be to first day of the wmat billing period when we calculate you Periodic Finance Charges. For TDD RlecomMunICANOMM, Dwks for tlu Deaf) oubtance, call 14"7-7449. Discover may monitor anchor record telephone We beaver you and Discover representatives; for quality assurance purposes. The Discover- card is issued by Discover Bank, Member FDIC. OITBK064 DISCOVER New Balance I Minimum Payment Due Account Number ending in 2369 $4,385.80 $88.00 Enter Amount Enclosed Below Payment Due Date $ May 18, 2005 Please make check payo ble to Discover Platinum Card or pay online Q Discovercard.com. 19 SDSN6A010011489 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Di%c"r.com or visit m.discover.com on your mobile phone. PO BOX 71084 Illrrrllr' CHARLOTTE NC 28272-1084 Address, email or telephone change;? Print change in space (??(r((??(rrr?r?)???(rr)?????(((rrr(rr(ri?rr?(ri??r(ri(r)ir(( above, or go b Discover.com. Print your o-mad address to receive important Account information and special offers. 000001986458892412228043858000089000008800 Discover Platinum Card Account Summary Closing Date: April 19, 2005 page 1 of 2 Account number ending in 2369 Payment Due Date May 18, 2005 Minimum Payment Due $88.00 Credit Limit $5,000.00 Credit Available $614.00 Cash Credit limit $2,500.00 Cash Credit Available $614.00 Previous Balance $4,422.13 Payments And Credits 89.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 52.67 New Balance _$4,385.80 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshbock Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashbock BonusO Anniversary Month: March Cashbock Bonus Balance $ 50.39 1 Visit Discover com to pay your bbl For no cost, view our How Can We Help You9 . latest Account information, *am and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payrents and Credits Apr 15 Apr 15 PAYMENT THANK YOU $ -89.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as credit resource in case of emergency. Call 1-800-DISCOVER or visit Discovercard.com/AdditionalCords today. Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bal n Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4433.27 0.03833% 13.99% F 13.99% $52.67 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. What if your credit falls into the wrong hands9 Reduce your risk of identity theft and credit fraud with ProfileProtect(R). This comprehensive service helps safeguard you against misuse of your personal credit information. Visit ProfileProtect.com/safe for more information or to enroll. Important Intomution. N there s more Ulan one page to the bWM statemad, we the back of each page for additional important kmiamatnn. Sea your Cardmmbar Agrefimai L Your CardmemDer Agtaemanb contains all the terms of your AmounL Lot or sloMrm cards. Report i medielelyl Call 1.100,717.2663. Bitting Rights Summary. In Case of Errors or OuesdasAbeut Your IN: N you tort your bill is wrong. or b you need more Wonrelbn about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Sal Lake City. UT 84136M21, as soon as possible. We must hear from you no later Monk 60 days after we sent You the to bur on which the errs or prebbm appeared. You can telephone us, but doing so will not preserve your rights. In your Zeller. give us the foNOVng information: Your name and Account rxmmber. The dollar arhnaint of the suspected error. Describe the am and explain. I you can. why you believe there is an error. 0 you need more ihklrmalion, describe the item you are uhsre about. You do not have to pay any amount in question wide we are investigating, but you are ad obligated b pay the parts of your bill that are not in question. White we investigate your question, we cannot report you as dslnquent or take any action to ailed the amount you question. Special Rub for Credit Card purchases: 0 you have a problem with the qualy of goods or services that you purchases with a credit cud, and you have tried in good faith to correct we problem with the merchant. you may not have to pay the ram our" amount due on the good or services. You have the proteWah only when the purchase prim was more Main $50 and the purchase was made in your home stab or wdnn 100 mks of your mailing address. (t we own or operate the mwdkad, or t we mailed you the advertisement for the goods or services, all purchases are covered regantess of the amout or location of purchase) Psymeft. Send only you payment and the by portion of Mis statement in the envelope provided. Do rot send cash. By sending your check as described above, you authorize us to use khforhaboxi on your check to make an electronic kind transfer from your amount at to irmncal nalfuhOn indcated on your died or to process the payment as a check transaction. W payment is Processed as an electronic kind transfer, the hander will be for the mom d the check. When we use Wamalion from your died to make an elechahic lend transfer, kinds may be withdraw from you amount as soon as the same day we receive your payment, and you will not receive your check bade from your fihanial institution. The processing of your paymme it may be delayed N you send cash, correspondence or other Mrs with you paMeK d you send the paYenent to any other address or t you use an envelope other than the one provided. Payments received in proper tam at our processing fardty by 5PM local one on any day will be credited to your Amount as of that day. Payments received at our processing facility after 5PM local tone will be credited to your Amount as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197-6103. Pease allow, 7-10 days for delivery. I your payment is returned unpaid. we reserve the tight to resubmit it as an eectrac debit You can pay your minimum payment or a greater amount of the telephone, and you can set kip aulanatc payments. Call us at 1.800.317.2663. You will need this statement and your bank amour information. You must ensure Met sufficient finds are available in your bank amooht, and all transaction must comply with US. few. You will be asked to provide the lust 5 digits of your amount statement ZIP code. By anbmkhg those narbe t as your electronic signature. you will be agr6akhg lo Itils authorization to slow us and your bank to dedud each payment you authartze from you bank amount, and to ntkab debt or credit entries to your beril acnmrhL as appirabk b oxrtxt an error in the processing of such payment. You must tell us the amount of each paynerhL or you can select an amount such as the ktirtrthlxn Payment Due or the New Balance on each statement. You can cancel a payment. however we must receive poke at least tree Wittiest days In advann of the scheduled payment You may hotly us by phone at 100.347.2683 or by mail at de address listed in the previous paragraph, t your payments may vary in amount, we i tell you on each monthly atetellahl when your payment well be made and how much it will be. Your Automatic payment amount may be less than rndcaled on the monthly sbbnherht based on credits or Pay aPPbd 9 the billing co. Credit Reporting. We may report kdormeton abort your account to credit bureaus. Late payments. missed payments, or other defaults on yuts arrant may be reflected in your credit report. We normally report the status and payment history d you Acm nt to credit reporting agencies each mmorah. K you believe Mat our report is rheocurate or nnanplets, please write us at to knbwug address: Discover. PO Box 15316, ti i mi gton, DE WSW % Phase include your name, address, home telephone number and Account number. periodic, Finance Charges. Except as provided below. we will impose Periodic Finance Charges on puchasm cash advances, and balance transient beginning with the date the transaction occurs utkl the date of repayment and on Old Balances until to data of repayment Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your biting period ending dung Fernery 1993 or Reserve L mine balances. You can amid payment of Perak Fkhamoe Charges on new purchases t you pay the New Balance shown on On biding slatemetkt on which the purchase first appears by the Payment transaction occurs race period on balance iranslers Due sh a P?inaand Cracks on #to mce Chagas are imposed statement on equal or exceed youir PwAous Salon. ft call ft the'grin new balance a eers and cash advances begkxhkhg with Me ? You do not have a Perak Finance Charges are imposed on all transactions and Old Batons; until the date of repayment Repaymhent means payment o (your entire New Balance. However, it you pay the New Balance show an this biting statement by Me Payment Due Dale, and the Payments and Credts shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Fawn Charges on new purchases. that is, purchases lost appearing an 06 sbtawL 0 you Arrant was dosed as of September 27,1999, you can avoid payment of Periodic Fnann Charges t you pay to New Balance shown on tits Statement by the Payment Due Dab and the Payments and Credits on this statement equal or exceed your previous Balance. Otherwise. you will receive a billing sblemaird next month Mat includes Periodic Finance Gorges unposed until the date of repayment We compute Periodic Finance Changes each day for p is haste. cash advances. batamce tranfers and Oil Salons (which we refer to as kensaction categories) by using to following equation: Average Daly Balance x number of days in to biting perwd x Daly Paricidic Rate. (Rehr to the frharhte charge summary on the franc of your statement for these amounts ) Then we add all the Per elk; Firaince Charges fa each transaction category to get the total Periodic Firm Chagas for your Account The Average Daily Balance is shown as 0 it no Periodic Finn n Charges apply to the baton in a hahsacton category. We use the Average Daily Balance (kmduidimg new harsaddrs) metlhod of calculating the balance upon which we repose Peak Finance Charges. We dornpim the average daily balance for each versacbth calls" by addal9 up all ft daily balanoes in a biting period for a Muction category and dividrg the idal by the number of days in the bflag cycle. We that day, compute the and periodic Finwhn balance for Charges?accruedtron line Previous dey? daily balance; and by Meth sbtrad i g any credits and payments that are applied against the baloice d the charged categg?o ywonA MCA day. Old 9?scas ar from MB balance of the W. and dash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the daily baton transfer transaction category. Balance transfers tat were subject to an k" special rake that has been brrrhnated due to a lab payment are also included in the caasM until mile Initial special rate otherwise would have expired. In calculating the dally balance of the baleen transfer transaction category an the fist day of the billing period, we subtract the unpaid balance of One Balance Trahese Transactor, Fee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that untold baann to the balance of the purchase transaction category. AN fees barged to your Account are added to the prdreae transaction category with the aWfion of Clash Advance Transaction Fee Finance Charges which are added to the cash advann transaction category and Balance Traheler Transaction Fee Finance Charges which are added to the balance transfer transaction categoy. I a transaction made in a previous biting period is iternized on this sateranl we consider Me hasaction date to be the first day of the current billing period when we calculate you Periodc Finance Charges. For TDO (Tebo:ortrmukd ar s Device for the Deaf) assMNM, all I-M347-7419. Discover may mornlor ands record telephone, calls between you and Discom representatives for quality assurance purposes. The DiSnvW cad is issued by Discover Bank, Member FDIC. O1TBK064 DISCOVER Closing Date: RICK HOOVER Account number ending in 2369 April 19, 2005. page 2 of 2 Cashback Bonus° Plus Summary Cashback Bonus Anniversary Date: March 19 Balance Previous Cashback Bonus Award Balance $ 50.39 Gas & Purchase Award + 0.00 Cas ac Bonus Award Total 50.39 Cashback Bonus Award Balance Award Available to Redeem ,9415135 50.39 $ 40.00 Restrictions apply to Cashback Bonus Parer offers visit Discowa xom or call 1-BOo-DGWVER (I.8M347.2683) for details. For program details, see the Cashback Bonus program Terms and Conditions. DISCOVER New Balance Minimum Payment Due i Account Number ending in 2369 $4,348.35 $8_7.00 Enter Amount Enclosed Below -771 Payment Due Date $ June 18, 2005 Please make check payable to Discover Platinum Card or pay online Q Discovercard.com. 19 SDSN6A01 00 11490 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Diseover.com or visit m.discover.com on your mobile phone. PO BOX 71084 IIIIN r III$r"'III'I"II"'I CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space loll i(1111111)1)I1gill rlr)err)I)Irrrlr1Irr)rr))nr{rr)rr)r)rr)) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228043483500088000008700 Discover Platinum Card Account Summary Closing Date: May 19, 2005 page 1 of 1 Account number ending in 2369 Previous Balance $4,385.80 Payment Due Date June 18, 2005 Payments And Credits 88.00 Minimum Payment Due $87.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $651.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Char es + 50.55 Cash Credit Available $651.00 New Balance . $4,348.35 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbmk Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 tashback Bonus Balance $ 50.39 Cashback Bonusl& Anniversary Month: March CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by logging into the Account Center at Discovercard.com or by calling 1.877-YOUR-AWARD (1.877.968.7292). How Can We Help You? 1 Visit Disc~ com to pay your bil for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service er na t M A i S C g ccoun a erv ce ustomer options or to speak with a Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sall Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. s. Post Tran Date Data Payments and Credits May 15 May 15 PAYMENT THANK YOU $ -88.00 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. 10100 mane Charge Summary Nominal Transaction Average Daily Daily Periodic ANNUAL ANNUAL Periodic Fes PERCENTAGE PERCENTAGE HNANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4395.59 0.03833% 13.99% F 13.99% $50.55 $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as rated above. Build Your Savings on YOUR Schedulel Open a Discover Bank Money Market Account and sign up for AutoSavers todayl Save money for whatever you wish by scheduling weekly, bi-weekly or monthly deposits into your Accountl Visit Discoverbonk.com. Member FDIC. Important InWmrMion. If there is more than one page to this billing statement, we the bads of each page for additional important information. co See your Cmdmernber Agreement Your CardmemberAgreemeM contains all the terms of your Account ca z Lost or etoWn wde. Report immediately! Cat 1.11"7.2h393. D 0 Billing RV& Srwrwnary. In Case of Errors or Questions About Your Bil: 8 you taw your bill is wrong, or it you need more information about a transaction on your big, write us on a $ separate sheet of paper at Discover, PO Box 30421, Sall Lake City, UT 841300421. as soon as possible. We must hear from you no later twin 60 days after we seat you to first bill on which the error or problem appeared. You can teeptone us, but doov so will not preserve your rights. In you liter. give us the blurring information: p You name and Account nariber. r8 The dollar amount of the suspected error. Describe the error and explain. t you can, why you believe there is an error. If you need more infomwto i. describe the tarn you are unsure about You do not have to pay any amount in question * to we are investigating, but you are still obligated to pay the parts of your bill that are not in question. Whte we Investigate your question, we cannot report you as delinquent or take any action to coned the amount you question. Special Rule for Credit Card Purchases: II you have a problem with the quality of goods or services that you purchases with a aadit card, and you have tried 'n good faith to correct the problem with the merchant, you may not have b pay ter remaining arc" due on the good or services. You have the protection only when the purchase price was more than $50 and the purchase was made in you home stale or within tOD miles of your rooting address. (t we own or operate the merchant, or t we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send oily your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your died as described above, you authort m us b use idormation on you check to make an electmic kxW transfer from you accart at the finoxcial ihs6lAion indicated on your check or b process the payment as a check transaction. K payment is processed as an electronic fund transfer, the trandr wit be for the amount of the check. when we use nfematon from your check No make an electronic fwd transfer, funds may be withdrawn from you amount as soon as the same day we receive your payment, and you will not receive your check balk from your financial institution. The processing of your payment may be delayed it you send rash, correspondence or other items with your payment, it you sad the payment to any other address or it you use an envelope other twin the c me provided. Payments received in proper bin at our processing facility by 5PM local lime on any day wit be credited to your Account as of tat day. Payments received at our processing facility after 5PM local time wit be credited to your Account as of the next day. t you have misplaced your envelope, said your payment to Disbmr, PO Box 6103. Card Stream. IL 601576103. Please alow 7-10 days for delivery. If your payment is fetrxnod unpaid. we reserve the rght to resubmit it as an electronic debit You can pay your nwwnum payment or a greater amount of the telephone, and you can set up aubnwtc payments. Cal us at 1400347.2683. You will need thou statement and your bank account nlamalon You must ensure that sufficient funds are available n your bank account, and all transactions must comply wan U.S. low. You will be asked to provide the first 5 digits of your account slater erht 21P code. By entering twos numbers as your electronic signature, you wit be agreeing to this authorization to allow hm and your bank to deduct each payment you authorize from you bank account, and to initiale debt or credit entries to your bank account, as applicable to correct an emu in the processing of such payment. You must tell us the arrant of each payment, or you can select an amount such as the kkdnxrn Payment Due or the New Balance on each statement. You can amid a payment. however we must receive notice at least tree business days in advance of the scheduled payment. You may notify us by phone at 1.800.347-2683 or by mat at the address listed in the previous paragraph. If your payments may very in amount, we R let you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be tress than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. we may report information abort your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be receded in you credit report. We normally report the status and payment history of you Account to credit repo agencies each month. It you believe that our report is inaccurate or incomplete, please write us at the following address: Discover. PO Box 15316. Wikdrgtm, DE 1985505316. Peelle ndhde your name, address, tame telephone number and Account number. Periodic Finance Charges Except as provided below, we wit impose Periodic Finance Charges on purd des, cash advances, and balance transfers beginning with to date the transaction occurs until the date o(repaymem and on Olds Balances until the dale of repayment. Did Balances are comprised of sillier purchases and cash advances made on or prior to the List day of your boring period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases 6 you pay the Now Balance shown on tie bung sawnem on which the purchase first appears by the Payment Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cat this the'grace period You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance traeters and rash advances beginning with Be date the transaction occurs. Periodic Finance, Charges are imposed on al transactions and Old Balances urd the date of repayment Repayment means payment of your entire New Balance. However. if you pay the New Balance shown on this billing statement by the Payment Due Date, and to Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periodic Finance Chagas an new purchases. that's, purchases first appeatg on lids stalement. It your Account was dosed as of September 27. 11999, you can avid payment of Periodic Finance Charges it you pay the New Balance sham on It a Slaldnent by the Payment Due Date and the Payne is and Credits on this statement equal or exceed you Previous Balance. Otherwise, you wit receive a billing statement next month that includes Periodic Finance Charges imposed will the date of repayment We compute Periodic Finance Changes each day for purdwses, cash advances, balance transfers and Oil Balatcas (which we refer to as transaction categories) by using the idlowng equation: Average Daly Balance x number of days in the titling period x Dairy Periodic Rate. (Refer to the finance charge summary on the from of your statement for these amounts ) Than we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for you Account The Average Daily Balance is shown as 0 it no Periodic Finance Charges apply to de balance in a transactiah category. We use the Average Daily Balance (induding new tansarAors) meted d calculating the balance upon which we impose Periodic Finance Charges. We compute the average daily balance for each transaction category by adding up at the defy balances in a baling period for a transaction category and dividing the Idol by the amber of days in the W% cycle, We that day, fee charged that day, the following to the by first balance each compute the i f r o y the trans s and payments that are applied against te balance o aw en subeacfng any c ed ccrued the previous days daily b ce: and by th nce Charges a Fina and Periodic F cale m g Old Bffi from the balance of the purchase and cash advance tarsadion categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges am ndnded in the daily balance transfer Inimaiction category. Balance transfers that were subject to an idial special rate that has been h rminaed due to a ate payment are also included in the category until the initial special rate otsrwim would have expired. In calculating to daily balance of the balance transfer transaction category on the first day of the bilking period, we subtract the apaid balance of those Balance Transfer Traneadion Fee Finance Charges and balance transfers that become purchase rata balance bensars on that day and we add that unpaid balance to is balance of the pudase transaction category. Al fees charged b your Arrant are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges whldh are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to tie balance transfer transaction category . If a transaction made n a previous Wing period is termed on this statement we consider the transaction daft to be the first day of the current burg period when we calculate your Periodic Finance Charges. For TDD (Telecom mmnttationa Device for the Deal) assistance, cat 14110-347.7449. Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover card is issued by Discover Bank, Member FDIC. OITBKO64 New Balance i Minimum Payment Due DISCOVER Account Number ending in 2369 l l d B $4,313.14 $87.00 ose e ow Enter Amount Enc Payment Duo Date $ 1 July 18, 2005 Please make check payable to Discover Platinum Card or pay online 0 Discoyercard.com. 19 SDSN6A01 0011491 RICK HOOVER Access and manage your account at www.D4oover.com or visit m.discovercom 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 I{lur{{uuolllslssllnsl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?ulr??u?ur?r??urlnlllnrlll?ur?ulrr1nl?ulu?n?o?u?) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228043131400087000008700 Discover Platinum Card Account Summary Cbsing Date: June 19, 2005 page 1 of 1 Account number ending in 2369 Previous Balance $4,348.35 Payment Due Date July 18, 2005 Payments And Credits 87.00 !Minimum Payment Due $87.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $686.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges _ + 51.79 Cash Credit Available $686.00 New Balance = $4,313.14 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 50.39 Now Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by lagging into the Account Center at Discovercard.com or by calling 1.877-YOUR-AWARD (1-877.968.7292). How Can We Help You? 1 Visit Discover com to pay year bil far no cost, vlew your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service M A anager ccount options or to speak with a Customer Service 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 Guam too Use your Discover Card with confidence. Trans. Post Date a Paymems and Credits Jun 15 Jun 15 PAYMENT THANK YOU $ -8700 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. MIMCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days ,Purchases $4359.40 0.03833% 13.99% F 13.99% $51.79 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 SO 'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Call 1-800.767-7315 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 moneyl important Information. If hire is more than one page to the big statement. see the back of each page for additional important Information. Sae your Cmkmehlbar Agreanarht. Your Cardmember Agreement contains al the terms of your Account Loo or swan cards. Report immediately! Cal 14"1-2613. ailing Rights Summary. In Case of Errors or Questions About Your Bit: If you think your bit it wrong, or l you need more nlomhahm about a ftwiction on your bill, write us on a separate sheet of paper at Discover. PO Box 30421, Sal Lake City. UT 841340421. as soon as possible. We ffwg hoar from you no lider then 60 days after we sent you to first bill on wtkh the error or problem appeared. You can tatephore us, but doing so will not preserve you rights. your letter. give us to following inforniation: Your name arid Account number. The dolar anaum of to suspected amt. Describe tie art and explain. R you can, wiry you believe time is an error. N you heed more itamaton, describe the item you are unsure about. You 60 not have to pay any amount in question while we are investigating, but you are aril oblgatad to pay to pars of your bill that are not In question. While we investigate your question. we cannot report you as delinquent or take any action b collect the amohrt you question. Special Rule for Cradi Card Pwchafes: t you have a problem with the quality of goods or services tat you purchases with a as& card, and you have hied in good faith to coned the problem with the merchant, you may not have b pay the remaining amount due on to good or senkas. You have ale prolectian only when time p rdmse price was more than $50 and to purchase was made in your home state or warm 100 miss of you mailing address. (t we own or operate the merchant, or If we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or bcat ah oh purchase.) Payments. Sand only your payment and the lop felon of tts ataoomera in the envelope provided. Do not send ash. By swift your dhedc as deKribed above, you authorize us to use information on you check to make an electonic erhd transfer Ian your secant at to fiandal i si ubon Indicated on your deck or to pooess the payment as a dock tramaclbrn l payment is processed as an electronic erhd eanser, the tardier will be nor to elhahrt of the deck. When we use Information from your dodo to mace an electronic hrhd eaneter, funds may be withdraw from you ecoourt as soon as the a" day we moeive you payment, and you will not receive you deck back from you financial Institution. The pocessng of you payment may he delayed it you send cash, correspondence or other hard with your payment it you send the payment to any other address or t you use an emdope other twin the one provided. Payments received in paper tam at our processing Way by 5PM local Mme on any d will be credited to your Account as of tat day. Payments received at oil processing facility after 5PM local em ail be credited to your Account as of the rod day. l you have misplaced your envelope, send you payment to Discover. PO Bmmx 6103, Card Stream. IL 60197-6 f 03. Please allow 7-10 days for delivery, l your payment is returned unpaid. we reserve the right to resubmit it as an eledionic debit. You can pay your minimum payment or a greater amennt of the telephone. and you an set up aukwnadc payments. Cal us at 1-0011-347-2683. You will need this statement and your tank aCCanl nfanoGon. You must ensue that sufficient lads are available in you bads wopu t, and all timactionhs must comply with U.S. low. You wit be asked b provide the fast 5 digits of you account siatertont ZIP code. By entering terse numbers as your electronic signaere, you will be agreeing to this autodntm to allow us and your bank to deduct each payment you authorize from you bank amount, and to stale debit or credit entries to your bank accost, as applicable to owed an arts in the processing of such payment. You mast tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each atati mat. You an cancel a payment. however we must receive notice at bast tree business days in advance of the scheduled psymert. You may, notily us by phone at 1.804347.2883 or by mail at the address listed in the previous be ins If tm your ndlw'c payments tmay vary in amaint, he monthly emeert l baulell you on each monthly stalernent when d craft payments wiled di" tie Ibaing cycle be made and now mush a will be. You Aulamatic payment amount may Credit Raportng. We may report kdonnamorm about your account b astir bureaus. Late payments, mtaeed payments, or other dews an you account may be reflected in you creda report. We normal, report to steers and payment he" of your Account to credit reporting agencies each momdn. If you behave that our report is inaccurate or Incomplete, pleas write us at the following address: Discover, PO Box 15316. Wilinaigbn, DE 196545318. Please include your name, address, hone telephone number and Account number. Periodic Finance Changes, Except as provided Wow, we wll impose Perak Finance Charges on prdeses, cash advances, and balance ft Wm begimkg with the date the warm ion occur will the date of repayment and on Ole Balances until the data of mpay merit Oki Balances are comprised of either pudasm and cash advances made on or pia to to toil d of your big period ending A" February 1993 or Reserve Line balances. You can avdd payment of Periodic Finance Charges on new purchases if you pay to New Balance shown on the tiling staemerht on which the purchase first appears by to Payment Due Date, and the Payments and Credts on to statement equal or exceed your Previous Balance. We alt this to *grew period' You do net have a grace period on balance transfers or cash advances. Peiodic Finance Charges are imposed on new balance tranaels and cash advances beginning with the date the transaction ooars. Periodic Finance OwM are unposed on all transactions and 010 Balances url the dale of repayment. Repayment meals payment of you entre New Balance. However, if you pay the Now Balance sham on Ma bung statement by the Payment Due Data. and the Payments and Cradle shown on In saement equal or exceed the Previous Balance, we ail not impose Periodic France Charges an new purchases. that a, purchases first appearing on this stelenent. I your Account was dosed as of Seplennber 27. 1999, you can avoid payment of Pen odic Finance Charges if you pay the New Balance shown on this Statement by time Payment Due Data and the Payments and Credits on this statement equal of exceed your Previow Balance. Ot erwee, you will receive a billing statement nod metro het indudes Periodic Finance Charges imposed until time dale of repayment. Yee compute Periodic Fire mce Charges each day for purchases. ash advances. balance transfers and Olt Balances (which we refer to as transaction categories) by using the folowng equaur Aver,;rn Oi#v Pal: KC x number rr' d ys ir the billing period x Daly Periodic Rate. (Refer to to finance charge summary on the hint of your sWerrent for these amounts.) Then we add as erne l'ehoce; France Chargrhs for each transadion category to gel to loW Periodic Finance Charges for you Account. The Average Daly Balance is shown as 0 l no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new Yardaetions) method of alculs" the balance upon which we impose Periodic Fiance Charges. We compute In average daily balance for each eardaam calegnry by adding up al ne daily balance; in a big pedal for a tansacim category and dividing to total by to number of days in the billing cycle. We compum to daily Changes hageaeach transaction category on each ccrued on ft previous day's daily yb balaby kill adding ft lokwkig nce; and by than subtracting o the provious dal(s daily st any craft and payrrents to are transactions made that applied against to and cc From balance of the saciann =M. Adtram the balance of the purchase and ash advance transadim aagoris. Special rate baler" Waters and Balance Trarsier Transaction Fee fiance Charges are trduded in am daily balance trernaen tran;iLiion ategay. BaWrnce trawlers that were sublecf b an irtitiat speda role twit Its teen teminaled due b a lete payment are also ncknded into until ae entisl special rate otlewlea world have a phred. In nlataYng the daily bilermce of the balanhce transfer In react ah category on the lest d of the bling period, we anhWad the unpaid balance of those Balance Transfer Tranuctorh Fee Finance Charges and balance transfers that become purchase rate baler" tran*M on that day and we add that hhnpad balance to tie balance of the grdmse fralm;aeltenn ate9oiY. Al fees charged to your Account are added to the purchase trarseclat oalegony with the exception of Cash Advance Transaction Fee Fiacee Changes which are added to to ash advance eansedon mlegory and Balance Transfer Transaction Fee Finance Charges which are added b the balance transfer transaction category . l a transaction made in a previous bilig period is terrized on this stelemert, we consider to Iasadion date to be the fns day of tie current biing period when we calculate you Perak Finance Changes. For TDD (Teleeonahurteatiora Device for tint Dasf) asaWancCe, call 14"T-7449. Discover may moni ar and/or record telephone calls between you and Discover representatives for quality assurance prpcsa. The Discover- card is issued by Distover Bank, Member FDIC. OITBK064 DISCOVER New Balance Minimum Payment Due $4,275.82 L-$-84-0-0 Payment Due Date August 18, 2005 19 SDSN6A010011492 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Account Number ending in 2369 Enter Amount Enclosed Below Please make check payable to Discover Platinum Card or pay online a Discovercard.com. Access and manage your account at www.Diseo r.com or visit m.discover.com on your mobile phone. PO BOX 71084 111.1111 unlllrlnllurl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rrli??rr?rrilil?rrr?rr?rlrrr??l?rrr?ir?ri?irllri?rr?rilrlrr?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228042758200087000008600 Discover Platinum Card Account Summary closing Date: July 19, 2005 page 1 of 1 Account number ending in 2369 Previous Balance $4,313.14 Payment Due Date August 18, 2005 Payments And Credits 87.00 Minimum Payment Due $86.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $724.00 Balance Transfers + 0.00 Cash credit Limit $2,500.00 Fiance Charges _ + 49.68 Cash Credit Available $724.00 New Balance $4,275.82 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashbock BonusO Anniversary Month: March Help You? How Can We He iew r ' vie" n' to pay yew bin" for no cost' v latest Account ccount information, earn and redeem m ro wordi and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service er t Mana i A S C h g ccoun ce ustomer erv a options or to speak wit Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Soh Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Papnnb and Credits Jul 14 Jul 14 PAYMENT THANK YOU $ -87.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rafe is subject to the terns of the offer including expiration. Calf 1-877-353-0941 today or visit Discovercord.com to find out if you qualify for a valuable Balance Transfer offer It's a fast and easy way to save moneyl i nce Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE aB lances Rates RATES RATES CHARGES CHARGES current biNing period: 30 days Purchases $4319.78 0.03833% 13.99% F 13.99% $49.68 $0 Cash Advances so 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 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 moneyl Important Information. It there is more than one page to this billing statement, see to back of each page for additional important information. See your Cerdmomber Agreement. Your Can nernber Agreement contains all the terns of your Account Loaf or stolen cards. Report mmedately! Call 1400.147.2683. Billing Rights Summary. In Case of Errors or Ouestio sAbad Your Bill: If you ft* your fill is wrong, or t you need more nfommalim abed a transaction on your bill. write us on a separate sheet of paper at Discover, PO Box 3D421, Sap Lake Ck UT 841304)021, as soon as possible. We must hear from you no later than 60 days offer we sent you to fret bill on which ft error or problem appeared. You can telephone us, but dung so mM not preserve your nglns. In you leter. give us the following information: Your name and Account number. The dollar amount of the suspected error. Draft the era and explain. if you can, why you believe there is an error. t you need more information, describe the gem you are unsure about You do not have to pay any amount in question while we arenvestgodi g, but you are still obligated to pay is parts of your bit that are not in question. While we investigate your question, we cannot report you as deknquera or take any action to coled the amount you question. Special Rule for Credit Cud Purdwaes: It you have a problem with the quality of goods or services mat you purchases with a credit card, and you have tried in good faith to correct the problem rA to merchant. you may not have to pay the remaining amont due on the good or sewn. You have the protection only when the purchase Vice was more than $50 and the purchase was made in your home state or wdhn 100 miles of your matrrg address. (t we own or operate the merchant, or t we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the by portion of tea statement in the envelope provided. Do not send cash. By sanding you deck as described above, you authorize us to use information on your dmedk to rake an electronic fund trarrekr from your account at the fnauial mmtlubm Indicated on you check or to process to payment as a chock transaction. It Payment is processed as an electronic fund transfer, Be transfer will be for to amount of the tack When we use i fomration from your deck b make an electronic fund transer. funds may be withdrawn from you account as soon as to same day we receive you payment, and you will nor receive you check bad from your frrendal Institution. The processing of your payment may be delayed if you send cash, correspondence or other items. with you payment, If you sand to payment to any otter address ail you use an envelope other than the one provded. Payments received n proper form at our prooaesrg facility by 5PM local time on any day will be m *W to your Account as of that day. Payments received at our processing facility offer 5PM local tome will be credited to your Account as of the next day. If you have misplaced your envelope, send you payment to Discover, PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. t your payment is returned unpaid. we reserve the right ki rowbmd it as an electronic debit. You can pay you m inint rn payment or a greater amount of the telephaa, and you can ad up automatic payments Cat us at 1800347.2683. You will reed this statement and your bank account information. You must ensure tat sufficient finds are avalabfe In, you bank account, and all trasaaors mast comply with U.S. law. You will be asked to provide the first 5 digs of your account statement ZIP code. By entering those numbers as your electronic sigakre. you will be agreeing to this a dowation to slow us and you bank to deduct each payment you ad prize from you bank amount and to n&& debtor credit entries to you bank account, as applicable to caret an error in the processing of such payment. You must tell us the errant of each payment, or you can seled an amount such as the Minimum Paymed Due or the New Balance on each statement You can cancel a payment however we must receive notice at feast three business days in advance of the sdaduled payment. You may notify rs by phone at 140x347-2883 or by mail at tte address had in ft previous paragraph. If you payments may vary in amount, we ill tell you on each monthly statement when you payment will be made and how much il will be. Your Automatic payment amount may be less than indicated on the montily statement based on credits or payments applied dung to bitting cycle. Cndil Reporting. We may report information abed your arrant to aedit bureaus late payments, messed payments, or other defaults on you arrant may be reflected in your credit repot. We normally repot the status and payment history of you Account to credit reporting agendas each month. If you believe that our report is iacarate or incomplete, please wine us at the following address: Discover. PO Box 15316, Wtmingtm, DE 198505316. Please include you name, address, fame bleplbrs number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodlo Finance Charges an purchases, cash advances, and balance transfers beginning with the date tho transaction odairs until the date of repayment and on Old Balances uti to deli of repayment. Old Saltines are comprised of either purchases and cash advances made on or prior to the last day of your billing period ending dung February 1993 or Reserve line balances. You can avoid payment of Periodic Finance Charges on now purchases if you pay the New BAY= shown on the hWng statement on which the Purchase Am appears by the Payment Due Date, and to Payments and Credits on the statement equal or exceed you Prevoua Balance. We cal to the -grace period' You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance tmnsfers and cash advances beginning with the date ft trasactbn occurs. Periodic Fiance Chagos are reposed on all transactors and Old Balances until the date of repayment. Repayment means payment of your entire New Balance. However, it you pay the New Balance show on On bitag statement by the Payment Due Dole, and the Payments and Credits sham on this statement equal or exceed the Previous Balance, we will no impose Periodic France Charges on new pudases, that ia, purchases fret appearing on this siatertnt If you Account was dosed as of September 27, 1999. you can avoid payment of Periodic Finance Charges if you pay the New Balance shown on this Statement by the Payment Due Dole and the Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise, you will receive a Wing statement next month thal includes Periodic France Chagas imposed until the date of repayment. We compute Periodic France Charges each day for purchases, rash advances. balance traders and Old Baia ces (which we retar to as transaction categories) by using the following equation' Average Daily Balance x number of days in the bang period x Daly Periodic Rate. (Refer to the finance charge swruuary on d, front of your statement fur these amounts.) Then we add all the Periodic finance Charges for each transaction allegory to galthe hotel Periodic France Charges for you Account The Average Daly Balance is shovmh as 0l no Perndc Finance Charges apply to the balance in a transaction category. We use the Average Wily Balance {ncl dig new trasx9oni) meted of calculating to balance upon which we impose Periodic Fklaraa Charges. We compute the average daily balance for each transaction category by adding up all to daily balances in a billing period for a transaction category and i ividkg the tow by the number of days in the billing cycle. We compute to daily balance for each transocam calogory on each ay by IM adding this following to the previous s daily balorce: transictions made that day, Im charged that day, an Periodic Finance Chagas accrued on the previous day's daily balance; and by tan subtracting any aedts and payments that are applied against the balance of to transaction CW MA from the balance of to purchase and cash advances transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are nduded'n the daily balance transfer transaction category . Balarroe tanstas that ware subject to an alias special rate that has been lenrinated due to a late payment are also Included in to category uhtl time initial spedeg rate otherwise wand have expred. In calculating in dally, balance of the balance transfer transaction category on the fret day d the balling period, we subtract the unpaid balance of those Balance Trader Trasadnn Fee Finance Charges and balance transfers that become purchase ate balance transfers on that day and we add that unpaid balance to tie balance of the purchase transaction category. AN fees charged to your Account are added to the pudmase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to to cash advance transaction category and Balance Trans* Transaction Fee Finance Charges which we added to the balance transl r transaction category. If a transaction made in a previous billing period is itemized on this staemerd, we consider to trasaion date to be the first day of the arrant bang period when we caldtate you Periodic Finance Charges. For TDD (yNacemnwrdcaliom Daviiu for der Deaf) atatstsrte, 6811468.347.7449. Discover may monitor ardor reard telephone calls between you and Discover representatives for quality assurance purposes. The Diawver" card is issued by Discover Bank, Member FDIC. OITBKO64 DISCOVER $ Now Balance ° 19 SDSN6A01 0011493 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due Account Number ending in 2369 $85.00 Enter Amount Enclosed Below Payment Due Date $ September 18, 2005 Please make check payoble to Discover Platinum Card or pay online 0 Discovercard.com. Access and manage your account at www.Discover .corn or visit m.discover.corn on your mobile phone. PO BOX 71084 Illurllnnnlllrlullml CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space {??{?{{n{nr{?{{urlrr{?{nr{{{1141111{n{n{lu{??{rrlrjgill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228042407500086000008500 Discover Platinum Card Account Summary Account number ending in 2369 Payment Due Date September 18, Minimum Payment Due $85.00 Credit Limit $5,000.00 Credit Available $759.00 Cash Credit Limit $2,500.00 Cash Credit Available $759.00 Closing Date: August 19, 2005 page 1 of I Previous Balance $4,275.82 2005 Payments And Credits 86.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finaxe Charges + 50.93 New Balance $4,240.75 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashbock Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call I.800•DISCOVER 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 Oiscovercotn to pay yew bi For no cost, view r latest Account information, earn and redeem rewards and more 2. Call 11-800-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, Soh Lake City, UT 84130 ,Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Dabrans. Post Dab Payments and Credits Aug 15 Aug 15 PAYMENT THANK YOU $ -8600 Information For You Balance Transfer offer for current billing period: Daily Periodic Rats: 0.01342%; corresponding ANNUAL PERCENTAGE ' RATE: 4.90%. Rate is subject to the terms of the offer including expiration. AM&Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE MANCE Balances Rates RATES RATES CHARGES CHARGES .current billing period: 31 days Purchases $4286.61 0.03833% 13.99% F 13.99% $50.93 $0 Cash Advances s0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above use your uixoverfRl Card with confidence knowing that it has the identity fraud services ranked #1 by Javelin Strategy & Research. Your account is protected anytime, anywhere with $0 fraud liability guarantee and we'll cant you right away IF there is unusual activity on your account. To learn more, visit Dixovercard.com/protection. inparlent kdomatlon. 9 toe is more than one page to dwe tolling statement, am the back of each page for adi iEanal important nlommallm. Sae your Crdmember Agreement. Your Cardmorrw Agreement comnains al the terms Of your Account. Lost or station crda. Report krmedateM Cal 1-MOJ47.2113. l3il bV Rights Wrenary. in Cave of Errors or Questions About Your Bit: U you Inds your dill a wrong, or it you need more intimation about a transaction on you bill, wide us on a separate sheet of paper at Discover, PO Box 30421, Saft Lake City. UT 841304421, as soon as possible. We must how us fromyou W than 60 days after we sent you as fist bit on WO the emu or problrn appeared. You can telephone us, but doing so will not preserve you Vita. your letter give following information: Your rams and Account writer. The dolr amount d Ie suspected error. Describe the am and explain, if you can, why you believe there is an error. U you reed more nbmadim, describe the Item you era usue about YW do not have to pay any amounn in 4ueell n wile we are investigating. dd you are all obligated b pay the pro of your bill that are nit in question. While we investigate your question, we caveat report you as delinquent or take any action b collect the rnount you question. Special Rub for Credit Cud Purchases: U you have a problem with the quality of goods or services that you purdeaea with a credit card, and you have tried in good faith to correct the problem wdh the merchant, you may not have to pay the remaining amour due on the good a services. You have Ce prolecbon only when the purchase pncewas more Shah $50 sati:yd waiting adtaa address. (1 we own or operate the merchant, or U we mailed you the odwOriemenl for the goods or and the purchase was made it you home state the amount miss of sevices, all purchases are covered regardless of Paymhamns. Send anty yea payment and Me bD porWn d awe alabrrenhl n the envelope provided. Do rib[ sent ravh. By sending your check as described above, you adiorize us to use information on you deck b oaks an ebcYOrwc had trare(er trap you accaxu M Ce firherhdal ihatikuion rhdi:aled on your chock or to process the payment as a deck transaction 1 payrterx a processed us m elecaomicfund traveler, the transfer wit be fox Ie anoont d Ie deck. Wham we see information from you deck to make an ebckorwc fund transfer, kanda medv be wiCu?een horn you aocohrnt as sown as the same day we receive you peyneM, ad you wit not receive you deck bade tam you financial institution. Tng d yout, l you send Me payment b a y car address or I you use an Can thon cry day w# be oedibd b you Accarn as d than day. Payments processing misplaced you erwebpe, send Wu payment to Discover. PO Box eam. K 601978103. Phase slow 7-10 days fa delivery. U your payment s rebned upped, we reserve tle right b resubmit it as an electronic debit. You can pay your minimum payment or a greater amount of ft trneplhone. and you can sal fop ouiematic payments. Cal us at 1.800.347-2683. You will need the staWlarht and your bank account nbnnatiaon. You must enure Mat sufficient funds are available in your bank account and all transactions mist com* with U.S. low. You will be asked to provide to AN 5 digits of you account statement Zit' code. By enetng Iasa numbers as you electronic signaMae. you will be agreeing to this authorization to allow us and your bank to deduct each payment you outhonza from you bank account, and to Mate debit or credit entries b you bank accant, as applicable to cameo an error in the processing of such payrnrnt. You must Will us the ameran o (each payment or you can soled an arnou t such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment. however we must receive notice at least three business days in adkrahce of the sctadnded payment You may notify us by phone at 1804347-2683 or by nail at the address listed in the previous paragraph. U your payments may vary in amount, well tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than indicated on the monCUy stalena t based on credits or payments applied dung the billing cycle. Credit Raporang. We may report tnbnrOW about you accent to credit bursars. lab peymeus, missed payments, or other defence on you account may be reflected in you credit report. We nwn* report go stake and payment history of you Account to credit repoYg agencies each month. If you behowa to our report a inaccurate or incomplete, pease write to at the Idbwig address: Discover, PO Box 15316. YWminglon. DE 198545318. Please include your name, address, home Weptnone number and Account number. Periodic Finance, Chugm Except as provided baby. we will npose Periodic Fihabs Charges on purchases, cash advances, and balance ka des beginning with the data the transaction occurs until the dab of repayment and on Old BW~ unit the dale of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your bung period ending dung February 1993 or Reserve line balances. You can avdd payment d Pebdc Finance Charges on new purchases it you pay the New Balance shown on the biting statement on which the purchase IN appears by the Payment Due Date. and Ce Payments and Credits on the statemern equal or exceed your previous Balance. We call ft Ia'grace period' You do nit have a grace period on balance transfers or cash advances. Periodic Finance Charges are unposed on new balance transient and cash advarces beginmin9 with the date the transaction oaaas. Periodic Franca Charges are imposed on all do nachos and Old Balances unit the date of repayment. Repeymrht means payment of you airline New Balance. However, it you pay the New Balance shown on this billing statement by the Payment Due Data. and the Payments and Credits shown on On steternem equal or exceed tle Previous Balance, we will rat impose Periodic Fiance Changes on new purchases, that Is, purchases first appealing on ft statement. U you Account was doaad as of September 27,1999, you can avoid payment of Periodic Finance Charges it you pay the New Balance shown on this Statement by the Payment Due Date and the PsymeMe and Credits on the statement equal or exceed your Previous Balance. Olerwnse. you will roe" a billing stelarent next month tht includes Period: Finance Chagas mposed until the data of repayment. We compute Periodic Finance Charges each day for purchases. cash advances. balance trarabrs and Old Balances (*Kh we refer to as transaction categories) by using we following, equation: Pv':rage Dial, Balance x number rf days in the tilting period x Daily Periodic Rate. (Refer to the finance charge summary on the front of your statement for these amounts ) Then we add all the Periodic Finance Charges for each aarsedbn category to galls total Periodic Finance Charges for you Account The Average Daily Balance is shown as 0 if no Periodic France Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new tta sad is) method d calculating the balance upon which we trnpose Parodic Franca Charges. We eanpde le average dairy batancce for each mrsadoon category by adding up ad Ce daily balances in a biting period for a transacbm category and dniding the bW by Ie number of days it the biting cycle. We compute ft da balance for each tronsadw category on each and Periodic Fkrence Chagas accrued on the previous day c daily y balaby firait nce : and adding then subtracting any credits and day's paymalts that are applied agaist the balanced the transaction 1y daily balance. transaction made that day. less charged mat on that from the balance of the puritans and cash advance trmsacl rt categories. Special vale balance Irarstes and Sdencce T=sW Transaction Fee Finance Cfuhclhded n the daily balahoe trailer rasactiorh eaiegory Retina trarh sfers tlet were subject b an adhal special rate Cat has been lemwnated due to a late payment are n tle kgtegory udl tle intlal special refs otlerwea would hue expred. n rxfotnating Ce deity bebnce d the bales ce tranebr transadim abgay on the Wet day d the , wa aubtrad Ce urhped balemhce of Mona BaWhca Transler Trarnacic Fee Fnawe Charges end balance lansters tat became purchase rate balance transfers on cat dd Mat unpaid balance b tle balance d Ce purdaee tranaelon ate9orT• ged b youAcoarn arc added b the purchsee tnaneaetion cate9orY with tle axcaPlion d CashAdvarhoe Tra saction fee Finance Charges which are added b Ce ?h nadiomh category and BalarKe Trailer Trraachon fee Fhnahca Charges which are added b Ie helarbe tterm* ursaction category. U a trarnarcbn made n a previous a ibmaed on awe alalememt se considethe Yasa:lon dale b W Ce list day d Ce ca==rd till= peal when we calculate you Periodic Finance Charges. For TDD (Telaeanhm wk4t ions Device for the D"Q assistance. W 41M347.7449. Discover may m vAv rWor record telephone calls between you and Oiscom representatives for quality saw&-" purposes. The Discover' card is Issued by Discover Bank, Member FDIC. z z D 0 0 0 to to OlTBKO64 New Balance Minimum Payment Due DISCOVER $4,206.33 $85.00 Payment Due Date October 18, 2005 19 SDSN6A010011494 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Account Number ending in 2369 Enter Amount Enclosed Below Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. Access and manage your account at www.Umeover.corn or visit m.discover.com on your mobile phone. PO BOX 71084 Illrsrllrrr,srlllrlnllogo l CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space Irr?rl?rr?irr1111srfIIIIIIrrsl111rrtlrrlsrlrrl1rrlsilsilrliII I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228042063300085000008500 Discover Platinum Card Account Summary Closing Date: September 19, 2005 page 1 of 1 Account number ending in 2369 Previous Balance $4,240.75 Payment Due Date October 18, 2005 Payments And Credits 85.00 Minimum Payment Due $85.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $793.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Fi narrce 010% es _+_ 50.58 Cash Credit Available $793.00 _ New Balance $4,206.33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus• Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashbock 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. 50.39 1 Visit Discover eom to pay your 6M for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 11-800-DISCOVER (347-2683) for fast, easy selfservice 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) we reverse side Salt Lake City, UT 84130 Transactions $0 Froud Liability Guarantee Use your Discover Card with confidence. Trans. Date Payments and Credits Sep 17 Sep 17 PAYMENT THANK YOU $ -85.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. KiW&Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Re is PERCENTAGE PERCENTAGE MANCE FWIWCE RATES RATES CHARGES CHARGES Balance current billing period: 31 days Purchases $4257.00 0.03833% 13.99% F 13.99% $50.58 $0 Cash Advances so 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account ore either fixed (F) or they may vary (VI as noted above. importatt Inkmatlon. If there is more than one page b this billing statement, see the back of each page for additional important information. Sea yrra CardmambarAgnement. Your CardnemmderAgreement contains all the tams of your Account. Lit or stolen calls. Report irunedatey! Cal t-M-347.M B#WV RiglMa Summary. In Case of Errors or Questions Abort You Bit N you rink your bill Is wrong, or l you need more inbrmation about a transaction on your bill. mile s on a sell you the first b ;II an separate shest of paper at Discover. PO 8% 3042 which the am or problem appeared. You can telephone us, bid doing so winot ll preserve your rights. In your letter, give s the falowng information: Your now and Amount ritanber The dollar amount of the suspected error. Describe the error and explain, if you can, why, you believe there is an error. N you need more information, describe the item you are unsure about. You do not have to pay any amount In questm whffe we are Investigating, but you are stiff oblgaled to pay the parts of your bill that are not in question. White we nvestgate your question, we cannot report you as delinquent or take any action to collect to amount you queslm. Special Rub for Credit Cand Purchases: N you have a problem with the quality of goods or services that you purchases with a credit card, and you have tried in good faith to coned the problem with the merchant, you may not have to pay the remaining amount de on the good or services. You have the protection only when are purchase price was more than $50 and the purchase was made in your home state or within 100 miss of your mailing address. (N we own or operate the merchant, or N we mailed you the adver bsemeril for the goods or services, al purchases are covered regardless of the amount or location of purchase.) Paynerfs. Send only your payment and the by portion of this statement in the envelope provided. Do not sand ash. By sending your deck as described above, you authorize us to use nformation on your dhedk to make an electronic lu d transfer from your account at the financial nstikAon N dreated an your check or to process the payment as a check transaction. N payment is processed as an electronic fund transfer. the transfer will be for to amount o (t* check. When we use nlomhalim from your check to make an elecbmhc fund transfer, funds may be wthdawn from you account as soon as the same day we receive your paymad, and you will not receive your deck beck from your financial nstitution. The processing at you payment may be delayed if you send cash. correspondent or other iNma with your payment, i you sand the payment to any other adder or if you use an envelope other than the one provided Payments recetved in proper forth at our processing facility by 6PM led dine on any day will be credited to you Account as of ghat dry. Payments received at our processing tacky after 5PM local time will be credited n you Account as of the next day. N you have misplaced you ermebpe, send you payment to Discover. PO Box 6103, Carol Stream. IL 60197.6103. Please allow 7-10 days for delivery. If your payment is reseed unpaid. we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount of the telephone, and you can sat up automatic payments. Call s at 18W-347-2683. You will need this slalerneM and your bank account in!ormabim. You must ensure that sufficient funds are available in you bank amount, and all transactions must comply with US. law. You will be asked to provide the first 5 dgds of your account statement ZIP code. By entering terse numbers as you decaomic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize kern you bank account, and to indite debit or credit entries; to your bank amount, as applicable to coned an am in the processing of such payment. You must tell s the amount of each payment, or you can seed an amount such as the Minimum Payment Due or Ite New Balance on each alaemmL You an cancel a payment, however we must receive rafts at least three Wetness days in advance of the scheduled payment You may ratty s by phone at 14W347.2683 or by mad at the address Wed in the previous paragraph. If you payments may vary in amount we if tel you on each monthly statement when your paymem will be made and how much I will be. You Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied doing the biting cycle. Credit Repordng. 4Ye may report information about your account to o eel bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the stabs and payment history of you Account to credit reporting agarries each month. I you believe that our report is nacande, or ihcornplee, please mite s at the kfbwing address Discover. PO Box 15316. Wiknmgton. DE 198545316. Please include your name, address, tans telephone number amid Avant number. Periodic Finance Charges. Except as provided below. we will impose Periodic Finance Charges on purchases. ash advances, and belarce transfers beginning with the date the transaction occurs until the date of repayment and on Old Balances until the data o1repayment. Old Balances are comprised of either purchases and ash advances made on or prior to the last day of your biting period ending during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases it you pay the New Balance shown on the billing statement on which the purchase fast appears by the Payment Due Date, and the Payments and Credits on the statement equal or exceed you Previos Balance. We call this the Vwe period You do not have a grace period on balance transfers or dash advances. Periodic Finance Charges are knposed on new balance transfers and cash advances beginning with the date the transaction ooars. Penork Finance Charges we Imposed on all transactions and Old Balances until be date of repayment. Repayment means payment of your entire New Balance. However, N you fey the New Balance shown on has billing statement by that Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not impose Periotlc Finance Charges on new purchases. that is, purchases lrsb appearing on ths statement N you Accoum was dosed as of September 27,1999, you can avoid payment of Periodic Finance Charges 9 you pay the New Balance shown on the Statement by the Payment Due Data and the Payments and Credits on this statement equal or exceed your Pr mm Belem. otherwise, you will receive a billing s!lelame t next month that Includes; Periodic Finance charges imposed will the date of repayment. We oanpute Pedodic Finance Charges each day for purchases, cash advances, belanoe transfers and Old Balances (which we refer te as transaction categories) by rig to following equation: Average Daily Balance x number of days in the biting period x Daily Periodic Rate. (Refer to the finance charge summary on the from of your statement for disc amounts) Then we add all the Periodic Finance Charges for each transaction category to gar the btal Periodic Finance Charges to you Account The Average Daily Balance is shown as 0 N no Periodic Finance Changes apply, to t her balance in a transaction category. We use the Average Daily Balance (including row transactions) method of calculating the balance upon which we Impose Periodic Finance Charges. We ocit" to average daily balance for each transaction category by adding up all the daily balances in a dNhg period for a transaction category and dividing the ail by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions made that day, fees darged that day, and Periodic Finance Charges accrued on the previous day's daily balance: and by then subtracting any creaks and payments that are applied against the balance of the transaction W101a. . ed from the balance of to purchase and ash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Changes are inriuded in the defy balance tea sfar transaction category Balance transfers teal were subject to an nttiat special rate that has been terminated de to a lase payment are also included in the category until the initial special rob othemiee would have expired. in ealculaang the defy balance of the balance transfer transaction category on the test day of the Fee Finance Charges and balance transfers that become purdmae rate balance transfers on tat biting period, ad m thun ad that unpaid to balance the hof e of n the pur Balance Transfer Transaction al day and we Al fees charged to your Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the ash advance transaction category and Balance Trarsler Transaction Fee Finance Charges which are added to dine balance transfer transaction category N a transaction made in a previous billing period is ttentized on this statemaf we consider the transaction date to be the first day of the current billing period whhen we calaAate your Periodic Finance Charges. For MD (Tdecommu nicatlons Device for the Deaf) assistance, cal f 4IM347.744t. Discover may morMa ad!or retard telephone calls between you and Discover representatives for quality assurance purposes. The Discover" card is Issued by Oscover Bank. Member FDIC. OITBKO64 New Balance F minimum Payment Due Account Number ending in 2369 DISCOVER $4,135.48 $83.00_^ _ Enter Amount Enclosed Below Payment Due Date $ December 18, 2005 Please make check payable to Discover Platinum Card or pay online'O Discovercord.com. 19 SDSN6A01 0011496 RICK HOOVER Access and manage your account at www.Discover.can or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 116rsllsrtrsslll,ln16rr1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space loll 1)(r1)11rl1))11611rl?I?rr()I)r?r)r1lr1(r6((r1lrr(1r(1(rr(1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228041354800084000008300 Discover Platinum Card Account Summary Closing Date: November 19, 2005 page 1 of 1 Account number ending in 2369 Previous Balance $4,169.78 Payment Due Date December 18, 2005 Payments And Credits 84.00 Minimum Payment Due $83.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $864.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 49.70 Cash Credit Available $864.00 New Balance $4,135.48 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback BonusO Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER to get your share of America's 81 Cash Rewards Program. Help You? How Can We He 1 Visit DiK~.eom to pay your bA for no cost, vi w 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 r t M i A S h anage ccoun ce a Customer erv options or to speak wit Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Date Payments and credits Nov 16 Nov 16 PAYMENT THANK YOU $ -84.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rah is subject to the terms of the offer including expiration. MVWCharge Summary Nominal Transaction Vly Periyodic Dai ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4182.99 0.03833% 13.99% F 13.99% $49.70 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The raps that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important InlormMion. If there is more than one page to this biting sleternet, see the back of each pegs for additional important information. Sea your Cardnember Agnomea Your Card ember Agreement contains all the terms of your Accourit. Lost or stolen cards. Report irnmedialelyl Cal t-100.347.2163. Billing Rights Summary. In Case of Eum or Questions Abort Your Bill: l you tnktk you bill is wrong, or it you need more information about a transaction on your W. write us on a separate shoo of paper at Discover, PO Box 30421, Saft Lake City, UT 84136-0421, as soon as possible. We must hear from you no, later than 60 days after we set you the first bill on Mich the errs or problem appeared. You an telephone us, but don so will not preserve you rights. In your letter. give us the blbwklg information: Your name and Account number. The dollar amount of the suspected error. Describe the am and explain. it you an. why you believe there is an error. l you need more information, describe the hem you are unsure about. You do not have to pay any amount in queston while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. Whie we Investigate your question, we cannot report you as delinquent or take any action to collect to shout you question. Spacial Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchases with a credit card, and you have bled in good faith to correct the problem with the merchant. you may not have to pay the remaining amount due on the good or services. You have the protection only when the purchase price was more than $50 and the purchase was made in you home state or within 100 miles of your mailing address. (t we own or operate the merchant. or t we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments Send only yam paM M and the top potion of his staternent in the envelope provided. Do not send ash. By sending your dhedc as described above, you authorize us to use ihb WSe on your deck to make an electronic kind transfer from your aoceurt at the financial Institution Indicated on you de:dk or to process the parrot as a check tramsacion, if payment is processed as an electronic fend transfer, the transfer will be for the amount of the died. When we use information from your check to make an electronic fund transfer, funds may be withdraw from you account as soon as the same day we receive your payment and you will not receive you dadk back from your financial nst0utioh. The processing of yore payment may be delayed it you send ash, conespo Jena or crier items with you payment, if you send the parrot to any other address or l you use an envelope other tan the one provided. Payments received in proper form at our processing facility by 5PM local fine on any day will be credited to your Account as d that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. B you have misplaced you envelope, send your payment to Discover, PO Box 6103. Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. It your payment is returned unpaid, we reserve the no b resubmit I as an eiectaic debit You an pay you minimum payment or a greater amount of the telephone, and you an set up automatic payments. Cal us at 1400.347-2683. You will need this staleirot and your bank account information. You must enure tat sufficient finds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the fist 5 digits of your account sfatenhert LP code. By entering those numbers as your electrork signature, you will be agreeing to his authorization to allow us and you bank to deduct sacih payrtheM you solarize tram you bank accarhl, and to intiae debit a aedil entries b you bank account as appticeble to correct an era in the processing of such payment You must felt us the amount d each payment. a you can selex an amount such:n the Minimum Payment Due a to New Bdaoe m each stalenheM. You can anal a payment. tnawever we must receive malice ar least tree business days in advance ot the edheduled payment You may notify ce by phone at 1804347-2883 a by coal at the address lured in qhe precious paragraph. If your payments may vary n amount. we R sal you an moth nanlNy stabmeM vfian you payment wg be made and Few much l will be. Your Automatic payment amount may ha less tan indicated an the rtmontily stabment based on aedils a paymerhte applied during the biWrg cycle. Credit Reporting We may report Inkxmaion about you account to credit bureaus. Late payments, missed payments, or other defauts on you account may be ~ad in your credit report. We normally report the status and payment history of you Account to credit repaing agendas each more h. K you beleve that our repot is inaccurate or icomplete, please write us at the blowing address: Discover. PO Box 15316, ftnnglon, DE 19850-5316. Please include you name, address, hams telephone number and Accent number. Periodic Finance Charges. Except as provided below, we will impose Peiodic Finance Charges on purchases, cash advances, and balance aansfers beginning with the date the transaction octane until the date of repayment and on Old Balances until the dale of repayment. Old Balances are co prised of either purchases and ash advances made on or prior to the last day of you billing period ending dung February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on tie billing statement on which the purchase fast appears by the Payment Due Date, and the Payments and Gedts on the statement equal or exceed your Previous Balance. We cal this the Vacs pwW You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance bander and ash advances beginning with the date the transaction occurs. Periodic Finance Charges are reposed on all transactions and Ole Balances until the date of repayment. Repayrrhent means payment of your entire New Balance. However. l you pay the New Balance shown on this biling statement by the Parent Due Date, and the Parents and Credits shown on this staternot equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases. that is, purchases bar appearing on this statement. If your Acoo rt was dosed as of September 27.1999, you an avoid payment of Periodic Finance Charges it you pay the New Balance shown on the Staement by the Payrrot Due Dale and the Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise, you will waive a billing slelennent tied month that includes Periodic Finance Charges imposed until the dale of repayment. We Compute Periodic Finance Charges each day for purchases, ash advances. balance transfers and 010 Bahaoss (which we refer to as transaction categories) by using the following equation! Average Daly Balance x number of days in the biting period x Daily Periodic Rate. (Refer to the finance charge summary on Ito front of your statement for these amounts. ) Then we add all the Periodic Finance Charges for each transaction category to gel the total Peiafic Finance Charges for your Accent. The Average Daily Balance is shown as 0 t no Periodic France Chagos apply to the balance in a transaction category. We use the Average Daily Balance (including new transactions) method of calculating to balance upon which we impose Periodic Finance Charges. We compue the average daily balance for each transaction category by adding up all the daily balaaas in a filing period for a transaction category and dividing the total by the number of days in the bilking cycle. We compute Cahrhance rges d accrued balance: transactions, made Mat day, fees charged 10 day, on t transaction e prca"oryr on each evious day's d yb balanby *9 ce; and by ten subtracting any credits and days payments that are applied aganritt the balance of the transaction category w to fty Old from the balance of the purchase and ash advance transaction alegafes. Special rate balance lea iders and Balance Transfer Transaction Fee Fiance Charges are Included in the daily balance transfer transaction category. Balance transfers tat were subject to an kIM special rate that has been terminated due to a late payment are also included In to category until the umbel special rate otherwise would have expired. In calculating the daily balance of the balance transfer tensacton allegory on the fast day of the biting period, we subbed the unpaid balance of those Balance Traneier Transaction Fee Finance Charges and balance transfer that become purchase rate balance transfers on that . day and we add that unpaid balance to the balance of the purchase trasachi m category All fees longed to your Account are added to the pudase transaction calegay with the exception of Cash Advance Transaction Fee Finance Charges which are added to the ash advance transaction category and Balance Transfer Transaction Fee Finance Chagas which am added to the balance transfer transaction category. If a transaction made in a previous billing period is Ionized on this statement we consider is transaction dab to be the first day of the turret bOV period when we calculate your Periodic Finance Changes. For TDD (Teleeommarricellom Device for the Deal) assistance, al 1400.347.7449. Discover may motto "or record telephone cats between you and Discover repesertatwes for quality assurance purposes. The Discover- card is issued by Discover Bank. Member FDIC. O1TBK064; DISCOVER N$4,169.78 19 SDSN6A01 0011495 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due Account Number ending in 2369 $84.00 Enter Amount Enclosed Below Payment Due Date $ November 18, 2005 Please make check payable to Discover Platinum Card or pay online 'D Discovercard.com. Access and manage your account at www.Diswver.com or visit m.discover.com on your mobile phone. PO BOX 71084 111 111111411111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space 11111llul1nlrll111lrilil111lllln1111lnlrill1111111ililirll above, or go to Diacover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228041697600085000008400 Discover Platinum Card Account Summary Closing Date: October 19, 2005 page t of 1 Account number ending in 2369 Previous Balance $4,206.33 Payment Due Date November 18, 2005 Payments And Credits 8500 .Minimum Payment Due $84.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $830.00 Balance Transfers + 0.00 Cash Credit Limit 500.00 $2 Finance Charges + 48.45 Cash Credit Available , $830.00 _ New Balance $4,169.78 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' 39 opening Cashbock Bonus Balance $ 50 0: New Cashbock Bonus This Period Cashbock Bonus Balance $ 50.39 Cashbock Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discovercord.com or call 1-800-DISCOVER to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 Visit DIK°Yer.COM to pay your b8 for no cost, view ur latest Account information, *am and redeem rowordsroand more ;It's your choice - 3 ways to help 2. Call 1.8004DISCOVER (347-2683) for fast, easy self-service M anager options or to speak with a Customer Service Account Please have your Discover Card available. 3. Writ* us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sok Lake City, UT 84130 Transactions $0 Fraud Liability Guaranies Use your Discover Card with confidence. Trans. Post Da Date Payments and Credits Oct 14 Oct 14 PAYMENT THANK YOU $ •85.00 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. roldn"c Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARMS current billing period: 30 days PPurchases $4212.78 0.03833% 13.99% F 13.99% $48.45 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 'The rates that apply to your Account are either fixed (F) or they may vary M 03 noted above. kmpww brit rmaion. 0 there is more than one page to the blirg stalarmlit. see the back of each page for additional important nbenatiorh. Sae your Cardman w Agreement. Your Cardmember Agreement wins ON to terms Of YOLK AcminL Lost or sblen cards. Report im nediataly! Cal 14"7-M. eitlfng Rights Summary. In Case of Errors or Ouesials AWAYour Bit: If you link your bit is wrap. or If you need more nbrmatibn abed a transaction on your bit, write us on a separate sheet of paper at Discover. PO Box 30421. Sak Lake City, UT 84130-0421. as soon as possible. We must hear from you no later tan 60 days alter we sent you the first bill on which the error or problem appeared. You can Wephim us, but doing so will not preserve yea rights. In you letter, give us the following nfertnalion: . Yea name end Accent number The dolor antrum of the suspected error. Describe the error and explain, it you an, why you believe there is an error. t you need more Wbrnretion, describe the km you are unsure about. You do not have to pay any amorxht in question while we are investigating, but you are ad obligated to pay the parts of you bill that are not in question. White we investigate you question, we caahd report you as delinquent or take any action to culect to amount you question. Spacial Rule for Croft Card Purchases: If you have a problem with lie qA* of goods or services #W you purchases with a credit card, and you have tried in good faith to correct the problem with the verdant, you may rat have to pay the remaining amarn due on to good or services. You have to pooteclon only when the pwdhase price wait more Main $50 and the Purchase was made n yhhx home state or within 100 miles of your mating address. (lwe own or operate the m ardent or l we mailed you the advertisement for the goods or services, all purchases are covered regardess of the arrouint or location of purchase.) Parma, Send only your payment and the by portion of this statement in the envelope provided. Do not send ash. By sending your deck as described above, you autlarize us to use kdomhatim on you check b make an electronic kind transfer from your aooorint at to financial institution indicated on your check or No process to payment as a check transaction. If payment is processed as an electronic tend tranaler, the trader will be for to mount of the dhedk. When we use infomkation from your deck to make an electronic lurid transfer. finds may be withdrawn from you account as soon as to same day we meoave your payment, and you will not receive your c edit bade from you financial iraatision. The procri ng o (your payment may be delayed yyou sand ash, correspondence or other Name with your payment. k you send the payment b any other address or if you use an envelope ot1er than the one provided. Payments received in proper keno atour processing facky by 5PM local time on any day will be credited to you Accorrtl as of that day. Payments received at our processing bality after 5PM local time will be credited to your Account as of the read day. If you have misplaced your envelope, sad your payment to Discover. PO Br, 6103, Caroi Stream. IL 60:97tl03. Please allow 7-10 days for delivery. If you payment is rearmed unpaid, we reserve In right to resubmit k as an electronic debit. You an pay your minimum payment or a greater amount of the Weplkone, and you an set up automatic payments. Cal us at 1 00.347.2683. You will need In statement and your bank account nbmnation. You must ensure that sur6cient funds we available in your bank account, and all transactions must compy, wwith US. lawn. You will be stead b provide the first 5 digits of you account statement 21P code. By entering those menbers as your electronic signature, you will be agreeing to this ahalhodzakon to allow us and you bank to dedhmt each payment you authorize tram you bank acmhnt, and to initiate debt or aadl entree to you bank accent, as applicable, to correct an error in the pimssirg of such payment. You musk eel us the amount of each psy+rsrht, or you can select an amount such as ire Minknari Payment Due or the Nee Balance on each statement You an anal a payment, however we must receive notice all bast tree business days in advance of die scheduled pay wL You may nobility us by phone at 1.800.947.2683 or by mad at be address iced in the previous Wa1gr h. If you payments may vary in amount we rT tel you on each monthly statement when your payment will be made ad how much 0 will be. Your Automatic payment anount may be less inert indicated on tte monthly statement based on craft or payments applied dung to (airing cycle. Crodg Reputing. We may report nbrmaion about your so= nit b credit treais Lele payments, missed payments, or oft defeuils on you account may be reflected in your credit report. We comely report the status and payment historyd yourAccount b crhdA rapoA i agencies each mordh. If you believe tine our report is Inaccurate or Incomplete, please wane. us at to following address. Discover, PO (lox 15316, Wilmington. DE 19850.5316. Please include you name, address, home telephone number and Account number. Perbdk FMana Chagas. Except as provided below, we willipose Periodic Fnance Charges on pudasse, ash advances, and balance transfers begknkg with iha date the transaction own unail to due of reparment and on Old Balances until to due of reps rrerd. Old Balances are composed! of either puchases and ash advances made on or prior to the last day of your billing period ending dung February 1993 or Reserve Line balances. You an avoid payment of Periodic Finance Charges on new purchases If you pay to New Balenoe shaven on the tiling statement on which the purchase *9 appears by the Payment Due Date, and the Payments and Credits on to sti nheht equal or exceed your Previous Balance. We al this No `grace period' You do not have a grace period on balance transfers or ash advances. Periodic Finance Charges are reposed on new balance tri sfers and cash advances beginning wick the den le transaction occurs. Periodic Finance Charges are Imposed on al transactions and Old Balances nail to dale of repayment. Repayment means payment of your entire New Balance. However, if you pay the Now Balance shawl on this billing statement by to Payment Due Date, and the Payments and Credits shown on ens smurnent equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases. that is, pudwss first appeasing on its sbMmad. If your Accout was dosed as of September 27.1999, you can avoid payment of Periodic Finance Charges t you pay the New Balance shown on On StMament by the Perot Due Dale and the Payrma and Credits on this statement equal or exceed your Previous Balance. Otherwise, you will receive a billing slelenent nett month that includes Periodic Finance Charges imposed and the date of rpaymiml. We cammae Periodic Finance Charges each day for pucases. ash advances, balance trerelas and Oa Balances (which we refs to as transaction cstegomr) by using the following e'quhvion. Avers w D.,kv Balance x number of days in the billing period x Daly Periodic Rate. (Refer to the finance charge summary on the front of your statement for these amounts.) Then we adu ai the Fer dic Finance Charges for each trasaclion category to get the (del Periodic Finance Charges for your Account The Average Day Balance is shown as 0 k no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (trhckrding new trarmadtias) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the average daily balance for each kansadtrm category by adding up al le day baenoss In a tiling period for a transaction category and dividing the blal by the number of days in to billing cycle. We compute to daily balance for each lracsaction caegory on each day by first adding the following to the previous day's defy balance: traseciom made hat day, fees Barged that day. and Periodic Finance Charges accrued on am previous days deny balance; and by ten subtracting any credits and payments that are applied against the balance of the transaction category on tat day. Old 8a?/{E d from to balance of the purchase and ash advance transaction caepores. Special rots balance transfers and Balance Transfer Transaction Fee Finance Chkages are Included in the daily balena transfer transactiorh cabgory. Balance handers trt were suibteu b an kstial apxis rate tat has been taminaled due b a ate paymard ore also inclde ! In the category until le I"specie rats atlnawise would have expired. In cacrdatirg tle day baanoe at the balena taster transaction category on the fist day d ttne billing period, we subtrad the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance versus that became purchase rate balance transfers on that day and we add that unpack balance to the balance of the purchase transaction category. Al tees charged to your Account are added to the purchase transaction category wish No exception of Cash Advance Transaction Fee Finance Charges which am added to to cash advacee transaction category and Balance Th i sfer Tmsaciah Fee Finance Chagas which are added to the balance beObr trasact M category. 18 hanse011013 made n a prevkxis billing period is kemtred on this slebment we consider to transaction data to be The teat day of to current billing period *r en we calculate your Periodic Finance Charges. Far TDD (Teboorrem arkaiare Device for the Deaf) eseistance, ate 1400.]47.7449. Discover may monitor ardor record Wepho a calls between you and D soover representatives for quality assurance purposes. The Disoover; ant is issued by Discover Barak, Member FDIC. OITBKO64 New Balance Minimum Payment Due DISCOVER Account Number ending in 2369 l d l $4,100.21 $82.00 Be Enter Amount Enc ose ow Payment Due Date January 18, 2006 Please make check to Discover Platinum Card or pay online covercard.com. 19 SDSN6A01 0011497 RICK HOOVER Access and manage your account at www.Discover.oom or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 1111161111111111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print charge in space I1AM 11I111I1g111I111111111111111I11II1I1rI111111111111U11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228041002100083000008200 Discover Platinum Card Account Summary Closing Date: December 19, 2005 page 1 of 1 Account number ending in 2369 Previous Balance $4,135.48 Payment Due Date January 18, 2006 Payments And Credits 83.00 Minimum Payment Due $82.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $899.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 finance Charges + 47.73 Cash Credit Available $899.00 New Balance a $4,100.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI 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? It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side I Visit Discover com to pay your 68 for no cow, view?your latest Account information, earn and redeem rewards anal more 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Date Dutst o Payments and Credits Doc 17 Doc 17 PAYMENT THANK YOU $ .83.00 Information for You Balance Transfer offer for current billing period: Daily Periodic Rats: 0.00795%; corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rate is subject to the terms of the offer including expiration. i Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE F04ANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4150.25 0.03833% 13.99% F 13.99% $47.73 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above. important Inkmration. It then is more tram one page b lus billing statement, see the bade of each papa for additional inpWM ilbrmatbn. z Sae your CardmamberAgreement. Your CardrnemberAgreement contains all the tams of your Account Loot or stolen cards, Report imhediably! Cal 1.00-347.M& o BtOng Rights Summary. In Case of Enos or Questions About Your Bt: l you fti your lei is wrong, or if you need more informehon about a transaction on your bill , write us on a ae soon as possible. We must hear from you no !after than 6D days after we sent you the first bill on UT 54130-0421 San Lake City 30421 PO Bo Di $ . . , x scover. separate sheet d paper at which the era or problem appeared. You can telephone us, but do" so will not preserve your rQft. In you Wer. give us the blewng kdomhallon: a m Your name and Account number. The dollar amount of the suspected era. Describe to are and explain. t you can. why you believe there is an error. If you need move irfanmwtion, describe the tan you are unstue about. You do not have to pay any amount in qua lion while we are i vestigatng, but you are 90 obkgaled to pay the pans of your bill that are nut in question. While we investigate your question, we cauwt report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purcheaa: t you have a problem with the quality of goods or services twit you purchases with a credit card, and you have Vied in good faith to correct the proble n with the merchant, you may riot have to prey die (Buret *M amount due on the good or serwces. You have the probeeon only when the purchase price was more than $50 and the purduss was made in you home state or within 100 miles of you mailing address. (If we own or operate the merchant or t we mated you the advertisement for the goods or services, all purchases are covemd regardless of the amount or location of Wmhase.) Payments. Sand only your payment ad Uhe top portion d I is slalanat in the envelope provided. Do not sand ash. By sending your check as described above, you authorize us to use i form ikin an your cited to make an electronic fund Vahskr from your amount at the fmahoal ins6lukon indicated on your check or to process the payment as a check transaction. If payment is processed as an eledronic lull transfer, to I ensfa will be for Vale amount d the check. When we use information from you dredk to make an elscVaac fund transfer, ou amount as soon as the sane day we receive you payment, and you will not receive your Check bad from your fnanrial instlutim. iUhdrawn from f b d y s may e w un The processing of you payment may be delayed f you sad cash, conespahdence or other items with you payment, t you sad the payment to any other address or I you use an Payments reoeived'n proper form at our processing facility by 5PM local time on any day will be credited b you Account as of fret day. Payments r tun the are provided l th . ope o e enve received at our processing facility alter 5PM local bone will be credited to your Account as of the next day. l you have misplaced you envelope, send you payment to Discover. PO Box 6103, Card Stream, IL 6019"18103. Please allow 7-10 days for delivery. l your payment is relined unpaid. we reserve the fight b resubmit k as an electronic debt. You can pay your rmramurn payment or a greater amount of Ure teephoone, and you can set up aiomalc Payments. Cal us at 1800.347.2653. You will need this statement and your You must ensure OW suRkc Teri funds are avalable in you bank account, and all transactions must comply with U.S. law. You will be asked to provide the first bank amount nbmhetion . 5 digib of your account statement ZIP code. By enle" Uhose numbers as your elecVomc sigware, you will be agreeing to this au0odzadon to allow us and your lank b deduct each payment you autathze from you bank account, and to Initiate debit or credit entries to you bank account, as appl able to correct an arc in the processing of such payment. You must bit us the amount of each payment or you can select an a hunt such as the Winknum Paynlant Due a Ire New Balance on each statement. You cen cancel a payment however we must receive notice at least tree business days in advance of the scheduled payment You may 1101Ay us by phone at 1800.347.2683 or by mail at the address listed in the previous p-Waph. l your payments may vary in avant, we l teI you on each montnyr statement what your payhted will be made and how much it will be. Your Automatic payment amount may be kiss ten indicated on the monthly statement based on credits or payments applied dung the bfifxg cydB. Credit Reporting. We may report information about you account b aedit bursas. Lab payments, mined payments, mor ? d etalls on account may gyrate b ircanped in your credtl please write, We normally report the status and payment history d you Account b credit reporting agencies each l report . us at the fdlowkg address: Discover. PO Box 15316, Yfimingbn, DE 19550.5315. Please include your name, address, hone telephone number and Arrant number. Pollock Fkwm Chagas. Except as provided below, we will repose Periodic Finance Charges on purchilm, ash advarax:s, and bakmoe Inensfer6 beginning with the data the transaction occurs until line date of repayment and on Old Belances until Ire date of reparrent. Old Balances are comprised d ekhea purchases and cash advances made on or prior to the lest day of your bibrg period andi g during February 1993 or Reserve Line balances. You can avoid pared of Periodic Fine= Charges on new purdrases if you pay on New Balance shown an the bung statement on which the purchase first appears by the Payment ad the Payments and Credits on the sWlemerht equal or exceed your Previous Belanos. We cal ohs t he'grace penoff' YOU do not have a grace period onbalance transfers Due Dare , or cash advarm. Periodic France Charges are imposed on new balance transfers and cash advances beginning with the date the transaction ocM Periodic Finance Charges are imposed on all transectab and Old Balances um0 the date d repayrnert. Repaym eti mein payment of you entire New Balance. However, f you pay the New Balaoe shown on this biting sWlemnent by the Payment Due Dale, and the Payments and Credits shown on tie stakmed equal or exceed the Previous Balance, we will not Impose Penodie Finance Charges on new purchases. that is, puduses Met appearing an the afdlenart. K your Account was dosed as of September 27. 1995, you can avoid payment of Periodic Finance Chagas t you pay the New Balance didwn an this SWwneM by the Payment Due Date and the Payments and Credits on trio statement equal or exceed your Previous Balance. Otherwise, you will receive a W" statement next month it* includes Periodic Finance Charges imposed until the dale of repayment. Vie compute Periodic Fnamce Charges sad%day for purchases, cash advances. balance transfers and Old Balances (wiidk we refer to as bastion calegoies) by using the following, eghati rr Average Daily Srlance x number of days it. ft billing period x Daily Periodic Rate (Refer to the k+ance change summary, on the feat of your statement for these amounts,) 1 huh we add all the Pa,oukc Finwce Charges for each transaction categoy to gel the trial Periodic Finance Charges for your Account The Average Daly Balance is mown as 0 f no Periodic Finance Chagas apply to Me balance in a transaction category. We use the Average Daly Balance (including new transactions) mhelhnid of calculating the balance upon which we impose periodic Finance Charges. We compute the average daily W l e e. balanos for each transaction category by adding up at the daily balehees in a filling period for a transaction category and dividing the bras by the number of rays in One Ming cyc daily belarm. transactions made that it", fees charged that day's adding category on each day by ft ? h ar ents that ore applied against the balance d the sachan paym ton subtracting any credits ad evious day i daily balance; and pr rd periodic Finance accrued the a lt0? from the balance of tlha pwdhase and rash advance transaction categories. Special rail Clarence transient and Balance Transfer Transaction Fee France t ?fld e l it" special halo cal has been terminaled due b a teq payment are ed n the d the btemCe tranda bansadion allegory on 0he first day of the n atianalera Ihat becanhe puchase rats balarhco tram sierra on trt od, g:? add that 9laged b your Account era added b the pnrdhass tranaaCtall eate9aY MM oM exaplbn d Cash Advance Transaction Fee Francs Charges which am added to the cash i ous advance,.a'. ealegomy all Boleros Trenster Tnaheactiah Fee Fnanos Charyss vlidn are added b the balarhos transfer transaction category. l a transaction made in a prev bling period is itemized on tlas statement core consider the Varhsacti0n date b tea Ina first day d the lxnerk 1h0tirng period when we calcrnate you Periodic Finance Charges. For TDD (TWco mrnicallons Oevia for to Deaf) aulstarce, call I-MUT-7449. Discover may monitor andlor record telephoona ails between you and DKoom represenretives for quality assurance purposes. The Discover' card is issued by Discover Banc, Member FDIC. OITBKO64 New Balance 1 Minimum Payment Due Account Number ending in 2369 DISCOVER $4,067.08 !-$82.00--- _ - I Enter Amount Enclosed Below Payment Due Date $ February 18, 2006 Please make check payable to Discover Platinum Card or pay online f Discovercard.com. 19 SDSN6AO1 0011498 Access and manage your account at RICK HOOVER www.Discover.com or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-17.39 PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228040670800082000008200 Discover Platinum Card Account Summary Closing Date: January 19, 2006 page 1 of 1 Account number ending in 2369 Previous Balance $4,100.21 Payment Due Date February 18, 2006 Payments And Credits 82.00 Minimum Payment Due $82.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $932.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance-Charges + 48.87 Cash Credit Available $932.00 New Balance a $4,067.08 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 50.39 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonus& Anniversary Month: March CONGRATULATIONSI 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 Discovor.corn to pay your bill for no cost, ew yr earn and redeem reviwards aound more latest Account information It's your choice - 3 ways to help , 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service er na t M i A S h C g ccoun a ce erv ustomer a options or to speak wit Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. ' Date Dole Payments and Credits Jan 16 Jan 16 PAYMENT THANK YOU $ -82.00 Information For You Balance Transfor offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. mance Charge Summary Nominal Transaction Daillyege Pe1iodic ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE FINANCE Balance3 Rates RATES RATES CHAWS CHARGES current billing period: 31 days Purchases $4113.28 0.03833% 13.99% F 13.99% $48.87 $0 99% $0 $0 20 Cash Advances $0 0.05751% . 20.99% F The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Wdormston. M there is more than one page to this Ming stalement see the bade of each page for additional "Want nformaUm. Sea your Cardmember Agreamsrt Your Candmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immedaW Cal i-11IMS17-ZBt3. Billing Rip 6 Staaawy- in Case of Emirs orOluestas About You Bill: t you think your bill is v iotg, or l you need more information about a transaction on your bill, write us on A separate sheet of paper at Discover, PO Box 30421. Saft Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days alter we at you the fill bill on which the aura or problem appeared. You can telephone us, lad doing so will not preserve your rights. In your later, give us the following Information: Your name and Account number. The dollar enehrt of the suspected error. Describe the error and explain. R you can, why you believe two is an error. l you need more nfanwsm, describe the Rem you are umue about You do not have to pay any arrant in question while we are invesagating, bug you are still odigalee lo pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any adon to called the amount you question. Special Rub for Credt Cad Pwchasn: l you have a problem with the quality of goods or servioea that you phadhases with a teat card, and you have tried in good faith to coned the problem with the merchant you may not have to pay the remaining amour due on the good or services. You have the proteafon say when the purchase price was more titan $50 and do purchase was made in your hone state or wilhin 100 riles of you fra ft address. (t we owe or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or Wen on of purchase.) l,syrneres• Send orhly your payment and the kip portion of this sgatansnt in the envelope provided. Do not send cash. ly sending your dads as described above, you authorize us to se infomas to make an electronic kind transfer from your account at the financial insirtulkin c your das an rank electronic lend trerider, the transfer will be for to anarnl of the dhedc. When we use?adonm your frcheck or to process the om your doe to make payment electrorxta check transadion. fund t m transfer, ==- processed funds may y be withdraw from you ecoahrht as soon as lee thorns day we receive your payment, and you will not receive your check tack from your tirhercis institution. The processing of you payment may be delayed l you sand ash, comispordence or other Berns with your payment, if you said the payment to any other address or if you use an envelope other that the one provided. Payments received in proper form at or processing facility by 6PM lord line on any day wB be credited to your Account as of that day. Payments received at our processing facility after 5Pkl lob 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 you payment is returned unpaid, we reserve the rot b nesubmt R as an electronic debt. You can pay your minimum payment or a greater amount of the telephone, and you an set up aulonatc payments. Cal us at 1.800 3/7.2683. You will treed this statement and your barik avant information. You must emrre that sufficient leads are avalable in you bank account, and all trans skins mist candy with U.S. law. You will be asked to provide the fast 5 dgks of you account statement ZIP code. By entering tare numbers as your electronic signature, you will be agni ft to the authorization to allow us and you bank o deduct each payment you authorize from you bank account and b Mate debt or credit entries b you bank accent as applicable to coned an error in the pmoessirg of such payment. You must tell us the arnourt or each payment, or you can select an amount such as the Minio m Payment Due at the New Balance on each statement. You an anal a payment. however we no reo" notice at least twee business days in advance of the scheduled payment. You may notify us by phone at 1-800.347-2683 or by mad at the address listed in the previous paragraph. It your payments may very In anhount we it fen you on each monthly stMemehl when your payment will be made and how much it will be. You Automata payment amount may be less than initiated on the monthly statement based on credits or payments applied trig the Wm cyder. Credit Repo", We may report information about your account to credit Wears. Late payments, missed payments, or other defaults on your account may be reflected in you credit report address: Discstatim and over, PO Bow x153 31 NOW of Windngbn, DE 1 8850.5316. PWm include name address torte k?kthat our report is inaccurate phone number and Account tnu te *we write us at to bowing Parlodk Fine= Charges. Except as provided below, we will impose Periodic Finance Chages on purchases, ash advances, and balance kansfars beginning with the data the transaction occurs until the dale of repayment aid an Old Balances until the dab of repayment Old Balaoes are comprised d eit her purchases ad cash advances made on or prior to the Ws day of your billing period ending dining February 1993 or Raserve Lim balances. You an avoid payment of Penoci Fiance Charges on new pucasm t you pay the New Nance shown on the billing statement on witch the purchase fist appears by the Payment Due Date. and the Payments and Credts on the slatanerd equal or excead your Previous Balance. We all ills the'9raa period' You do not have a grace period on balance transfers or cash advances. Perak Finance Charges are imposed on new balance transfers and cash advances beginning with the date to transaction occurs. Periodic Finance Charges are imposed on ad transactions and Oki BaWtces Intl the dale of repayniem. Repayment meats payment of you entire New Balance. However, t you pay the New Belo a shown on tts billing statement by time Payment Due Deb, and the Payments and Creeds shown an In Me~ equal or exceed the Previous Balance, we will not impose periodic; Finace Charges on new purcases, that is, purchases fist appearing on this statement t your Account was dosed as of Sepwnber 27. 1999, you can avoid payment of Penock Finance Charges l you pay the New Balance shown on In Statement by to Payment Due Dale and the Payments and Croft on the slatement equal or exceed your Previous Balance. Otherwise, you will receive a billing statement next month thM i d odes Periodic Finance Changes "mod until to dale of repayment. WB Can" Periodic Finance Charges each day for purchases, cast advaoss, balance traickrs and Olt Balances (which we raw to 8a transecaonh categories) by using the following equation: Average Daly Balance x number of days in die b&Q period x Daily Periodic Rate. (Refer b the finance barge summary on this front of you statement for these amounts.) Then we add oil the Periodic Finance Charges for each transaction category to got the W Periodic Finance Charges for your Account The Average Dally Balance is shown as 0 ti no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transactions) mated of calculating the balance upon which we impose Periodic Finance Charges. We compule the average daily balance for each tranadion category by adding up at the dairy balances in a billing period for a transaction allegory and dnkRtg the total by the number of days in the bing cyde. We compute the daily balance for each e? transadlions made that day, left charged that Charges accrued transaction e n tpxcow" on each day by first evioua day's dairy balance; u tthe following Io the eri aA4erhng any ? anted balsricits tier we applied against the balance of f transaction ? ah Periodic Finance Char Old Bgeed from to balance of the purchase and cash advance Varsactim calegonfes. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are included in the dally balancer trarieler transaction caagory Balance transfers that was subject to an Initial special vale tat has boon terminated due to a We payment are also included In to category utl the initial special mite otherwise would have expred. In alc laNg the dairy balance of the balance transfer aarheaction cale9ay on the first day of tie bitkg period, we u btrad the urnpsd balance of those Balance Transfer Transaction Fee Finance Charges and balance Vansers that becane purchase rate balance transfers on tat day and we add tat unpaid balance to to balance of the purchase traiiadiah category. Al fees caged to your Account are added to the purchase transaction eabgcry with tie exception of Cash Advance Transaction Fee Finance Charges which are added to to ash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance Vanser transaction category. t a transaction made In a previous billing period is itemized on tre statement we consider the transaction dab to be the firs day of the current big period when we calculate you Periodic Finance Chagas. 7.7449. For TDO (Tell rmr 111DIcatOra Device for Ow Oaf) asleWhee, al 14"7.7449. Discover may manila adlon record telephone calls between you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Bank Member FDIC. 01TOK064 New Balance I Minimum Payment Due DISCOVER Account Number ending in 2369 d B l $4,033.55 $81.00 e Enter Amount Enclose ow Payment Due Date $ March 18, 2006 Please make check pa gyaable to Discover Platinum Card or pay online ID Discovercord.com. 19 SDSNSA01 0011499 RICK HOOVER Access and manage your account www.Diecover.corn om or rtsR m.discove ccom 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 11111111111111111 1111111111 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space 1,81811881888111181118818) 8 8 811118 8 818 818118 8118 818 81111 818 811 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228040335500082000008100 Discover Platinum Card Account Summary Closing Dale: February 19, 2006 page 1 of 1 Account number ending in 2369 Previous Balance $4,067.08 Payment Due Date March 18, 2006 Payments And Credits 82.00 Minimum Payment Due $81.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $966.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges +_ 48.47 Cash Credit Available $966.00 New Balance = $4,033.55 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Sonuse Opening Cashback Bonus Balance $ 50.39 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashbock Bonus& Anniversary Month: March CONGRATULATION51 Your Cashback Bonus(R) is waiting For you. Visit Discovercord.com or call 1-800-DISCOVER to get your "roof America's #1 Cash Rewards Program. 1 Visit Discover cam to pay your bil for no cost, view your How Can We Help You? latest Account information, earn and redeem rewords and more 1tr5 your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) Far fast, easy selfservice 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 TM (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. tePost Date Payments and Credits Feb 16 Feb 16 PAYMENT THANK YOU $ •8200 Information For You ;Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES QMRGES current billing period: 31 days Purchases $4079.96° 0.03833% 13.99% F 13.99% $48.47 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account xo either fixed (F) or they may vary (V) as noted above. 'Discover Card ranked #1 in Fraud Protection Services among the largest credit card companies by Javelin Strategy 8 Research in its 2005 report. Your account is protected anytime, anywhere with a $0 fraud liabilittyy guarantee and we'll call 'you right away if there is unusual activity on your account. To learn more visit Discovercard.com/protection Important nfomatim H there ra more don one page to to billing slatemtwn. see the boa of each page for additional important intamabort. See yrrr Cardmanbn AQnernsrt Your Cardmember Agra~ oontafnt all the burns of your Accarhl Lost or stated cods. Report immediately! Call 1-IOOJ47.260. Billing Rights Swnnayr. In Case of Errors or Question Abort Your Bill: N your Rink your bill is wrong, or t you need more information about a transaction on your bit, write us on a separate sheet of paper at Discover. PO Box 30421. Sall Lake City. UT 84130.0421. a soon as possible WO must hear from you no later ton 60 days after we sent you the first bit on which the error or problem appealed. You an to Wmm us, but doing so wi not Mom you rights. in you letter. give us the fotowirg irdormatat: You name send Account number. The doter amainD of Cte suspected error. Describe the errs and explain, t you an. why you beteve Ihere is an error. I you now more information, detafbe the item you are unsure abed. You do not have b pay any amount In question while we are investigating. but you are alit obligated to pay the parts of you bit tat are not n question. M* we investigate your question. we cannot report you as dekrquerd or We any action to collect the amount you question. Special Rule for Credit Card Padmes: t you have a problem with the quatry of goods or services that you purchases with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining smwa due on the good or services. You have this pralecdon only when the grchase price was more ran $50 and the purchase was made in you hone state or within 100 miles of your mailing address. (I we own or operate the merchant, or it we mailed you the adverdssawl for the goods or services, at purchases are covered ragas dtese of the amount or location of purchase) Payments. Send any your payment and Ile top portion of tit statement in the envelope provided Do riot send cash By sending yea duck as described above, you authorize us to use irdomnatim on your check to make an electronic fund transfer from you account at to financial institution nQabd on you check or to process the payment as a died transaction. V payment is processed a an electronic fund transer, ire transfer will be for the arnast of to dbd. When we use information ham you check to make an slecimnic fund transfer, Muds may be withdrawn from you account as soon as the same day ova receive you payment, end you will not receive your dock beck from your kwxw irulfWdon. The processing of your payment may be delayed it you send ash, correspondence or other items with your payment. it you send the payment to any other address or t you use an envelope other ten the one provided. Payments received in proper form at our processing facility by 5PM local Ime on any day will be aecled to your Accord as of tw day Payments received et our pw.sskq bcky after 5PM bat tine wit be coedited to yourAUorm a of the 110xt day If you have misplaced you envelope, send your payment to Discover, PO Box 6103, Carol Stream. tL b0197•6103. Mae"7-10 hays for delivery. I your payment is returned unpaid, we reserve the right to rewbmil Ras an electronic debt. Yw can pay your mJrtmun payment or a greateramoutt of the telephone, and you can set tip automate payments. Cat us at 1800.347-2683. You A reed In sbbment and your bank guard inlornbtion. You must ensure that aulficelt frrds am available in your bank axoutt, acrd at Yensactrors must sentry wish U.S. few. You will be asked to provide the fast 5 digits of your axfm statement 2W code. By, entering Iris numbers as you electronic signature. you will be agreeig to his authorization to allow to and you bank to dedud each payment you sulfrom from you bank amount, and to nit'ate debt or a" entries to you bath euant as applicable b caret an error in the processing of such payment. YOU must tell us the armart of each payment or you an select an smou t such as to Minimum Payment Due or the, New Balance on each slarea nL You can canal a payrnerhL however we must receive notice at is" three braneess days In advance of the adtedt W payment. You may no* us by phone at 1.800-347.2883 or by mat at the address listed in the previous moaft statement based on ccrredf?ts or payment9W~ vrhen your payment s DOW during the Wkhg wil be made and how much it will be. Your Automatic payment amount paragraph, ? ind?Kalead ts on tt ne wary may cycle. Credl Repwft ft may report fnkmwim about your aom rt to aed4 bureau. Late payments, missed payments, orotherdefaults on you account may be receded n your credit ?tft fobw normally, adreport the status and payment history dirm. O over,, PO Box 16. Wiithiii to nh. DE 19&%5316. t?Please include name address, fame telephone number and AocouhnuinconOW, mtw. es write Periodic Finance Clfarges. Except as provided below, we will impose Periodic Finance Charges on purchase, ash advarces, and balance transfers beget" with the date the transaction occurs urd the data of repayment and on OW Belehoes unto the dab of repayment. Old Balances we 00n"ited of eitw purchases and cash advances made on or prior w the last day of you billing period ending during February 1993 or Reserve Lne balances. You an avoid prowl of Pedodc Finance Ctteryes all new purdtate I you pay the New Balance shown on the piing statement on which the purchase fast appears by the Payment Due Dab, and the Payments and Credits an the statement equal or exceed your Previous Balance. We cat ids the Voice period' You do not have a gnaw period on balance transfers or ash advances. Periodic Iman0e Charges are imposed on now balance transfers and cash advances beginning with the dab do transaction occurs. Periodic Finance Charges are kmpcsed an all transactions and Old Balances until the dab of repayment. Repayment means payment of your entire New Balance. However, it you pay the New Baanoe shown on tat biting statement by the Payment Due Date, and to Payments and Credits shown on tits ataterment equal or exceed the PIeva s Balance, we will riot impose Paiodb Finance Charges on new twrdiases, that is, purchases first appearing an In slatemerit. K your Account was dosed as of September 27, 1999, you an avoid payment of Peiodc Fuance Charges I you pay the New Balance shown an this, Statement by the Prowl: Die Dab and the Payments and Credits on this statement equal or exceed your Previous Balance. Otherwise, you will nKm a bung steWwt next m wM tut khddes Periods Fawhw C4wrges krpomW urd ire dale d repayment. We compute Periodic Finance Charges each day for pischasse; ash advances, balance Irasfert and Old SaMnoet (which we rater to as transaction calegones) by using the following equation Average Day Batame x number of days in the billing period x Daly Periodic Rate. (Refer to the finance cage summary on the from of your sla erne t for these amounts ) Then we add err the Periods Finance Charges for each transaction category to get the total Periodic France Charges for your Assert. The Average Daily Balance is shown as 0 4 no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (kndtrdng row transactions) meted of alutabg the balance upon which we repose Periodic Finance Charges. We canpude the average daily bow" for each transaction category by adding w at Ile daft' balarlae in a bang period fora transaction category and dividing the kcal by the number of days in On billing cycle. We compile the daily balance for each transaction category on each day by first adding to Wbakg to the previous days daily balance: transactions made that day, lace charged that day. and Periodic France Charges accrued on tics previous day's daily belenw; and by then s blracdng any credits end payments tort we applied against Ire balance of the transaction c 0" W Bal?I from the bale. of tiro Md. anW cash al. transaction celegafes. Spscai rats balance transfers .4 W. Transfer Transaction F. F. O Charges am included in the daily balance transfer transaction category. Balance transhrs tut were subject to an initial special rib tot has been terminated due to a leis peyme t are also included in the category and the itlial special tab otherwise would have expired. In alaatrGg tie daily Wtence of the balance transfer trensadiah category on the firt day of the biting period, we subkad tithe unpaid balance d thou Balance Trashy Transedim Fe From Charges ad belerhw trenslers that become puchae nab balance transfers an that day and we add that unpaid balance to the balance of the vii hale transaction category At fees cl alged to your Account are added to tic purchase transaction category with the exception of Cash Advance, Transaction Fee Finance Charges whfdt are added to the cash advance kasecton category and Balance Transfer Transaction Fe Finance Charges which are added to the balance transfer transaction category. I a trarmlim made in a previous biting period W Rammed on this stabnwt, we consider txm tray action date to be the first day of the current billing period when we calculate you Peiode Finance Charges. For TDO (Teieeamhhnicetlorw Device for the DeaQ as ion, call 11"7a449. Discover may RwMer ardor record teWrone cab bow in you and Die over representatives for quaky assurance purposes. The Disoover° card ts issued by Dfeoover Bank, Member X. O1TBK064, New Balance I Minimum Payment Due I Account Number ending in 2369 DISCOVER $3,995.97 $80.00 Enter Amount Enclosed Below Payment Due Date $ --? April 18, 2006 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 19 SDSNSA01 0011500 RICK HOOVER Access and manage your account at www.Diamer.com or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 1111111111111111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lulillnlmlrlln?lnl?lnrlllln1lnlnlullnlnlnl1loil above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228039959700081000008000 Discover Platinum Card Account Summary Closing Date: March 19, 2006 page 1 of 1 Account number ending in 2369 Previous Balance $4,033.55 Payment Due Date April 18, 2006 Payments And Credits 81.00 Minimum Payment Due $80.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $1,004.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 43.42 Cash credit Available $1,004.00 New Balance $3,995.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 50,39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.80MSCOVER (1-800-347-2683) to got your share of America's #1 Cash Rewards Program. How Can We Help You? 1 Visit Account to pay your for cosr, view your latest Account unt information, earn and recl deem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selkservice 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) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Dat Paynwnts and Credits Mar 17 Mar 17 PAYMENT THANK YOU $ -81.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject to the terms of the offer including expiration. i Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dai y Perio PERCENTAGE PERCENTAGE FWANCE FNIANCE Bd d- RATES RATES CHARGES CHARGES current billing period: 28 days 1. Purchases $4045.8 0.03833% 13.99% F 13.99% $43.42 $0 , Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Importerd hrfoemstion. N there is more than one page to it* filling statement see the back of each page for additional important WOMIltion. See your Cardmember Agrass ent. Your Cardmemlier Agreement contains all the terms of your Account. Lad or stolen cards. Report innhediately! Call 1400,147.203. B" RVft Summary. In Case of Errors or Ouestions About Your Bit: N you #** your bill is wrong, or N you need more information about a transaction on your dl, write us on a separate shell of paper at Discover, PO Box 30421, Sall Lake City UT 84130-0421, as soon as possible. We must hear from you no later ten 60 days afar we sent you to W bill on which to error or problem appeared. You can teephone us, but doing so will not preserve your rights. In your letter, giro us to following Information: Your name and Amount number. The dollar amount of the suspected error. Describe the error and explain. if you an, why you believe there is an error. N you need more information, describe the barn you are unsure about. You do not have to pay arty amount in question while we are investigating, but you are still obligated to pay the pans of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to coed the amount you question. Special Rub for Credit Card Purchases: If you have a problem with the quality of goods or services tat you p oc ases with a as& card, and you have hied in goad faith to correct to problem with the merchant. you may no(have to pay the remaining amount due on the good or services. You have the protection only when the purchase price was more than $50 and the purchase was made in your hone state or within 100 miles of your mailing address. (N we own or operate the merchant, or t we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amonl or location of purchase.) Payments. Send only your payment and the top portion of this statement In the envelope pranced. Do not sand cash. By sending your dedc as described above, you authorize us to use information on your died to make an electronic fund transfer from your amount at the financial institution indicated on your dads or to process the payment as a check transaction. N payment is processed as an electronic fund transfer, the transfer will be for the annuht of the check. When we use nfonthaton from you [tick to make an electronic turd transfer, furls may be witdrawn from you amount as soon as the same day we receive your payment and you will not receive your shed bade from your financial institution. The processing of your payment may be delayed if you send ash, mnespadence or other items with your payment, t you send the payment to any other addrea or if you use an envelope other than the one provided. Payments received in proper form at our proawing facility by 513M local time on any day will be credited to your Amount as of that day. Payments received at our processing ladlty alter 5PM local bme will be credited to your Account as of the next day. N you have misplaced you envelope, send you payment to Discover, PO Box 6103, Carol Stream, k 60197-6103. Pease slow 7-10 days for delivery. t your payment is reamed unpaid, we reserve the right to resu l" t as an electronic debt. You can pay your minimum payment or a greater amain of the Wephos, and you an set up automatic payments. Cal us at 1400-347-2683. You will need link stalemeM and you bank amount information. You must ensue that sulsdent lends ere available in you bank amount, end all transactions met canply with U.S. law. You will be asked to provide the first 5 digits of your account statement 21P code. By entering those nutrition; as yaw electronic sugahra, you will be agreeing to Nis authorization to allow us and your bank to deduct each payment you adtwniae from you belt accent, and to inhale debit or credit entries to your bank account as applicable to coned an error in the processing of such payment. You must let in the amount of each papffti, or you an select an amount such as the Minimum Payment Due or the New Balance on each statement You can canccel a payment. however we must receive notice at least tree business days in advance of the Wedded payment. You may notify us by phone at 1-80D-347-2683 or by mat at the address listed in the previous paragraph. If your payments may vary in amain we M tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than indicated on to monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report nlorrhatim about your amount to audit bureaus. Lase payments, missed payments, or other data& 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 nwnth. N you believe that our report is inaccurate or incornplee, please write us at the blowing address: Discover. PO Box 15316, Wihnigton, DE 1985065316. Please ihdude your none, address, home teephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on puccases, ash advances, and balance transfers bxgrrang with ft date the transaction occurs until the dale of repayment and on Oil Balances until the dale of repayment. Oil Balances are comprised of ether purchases all ash advances made on or prior to ft last day of you biting period ending dung February 1993 or Reserve tine balances. You can avoid paymen( of Periodic Finance Charges on now protases t you pay the New Balance shown on the billing statement on which the purchase first appears by the Payment We Date, and the Payments and Credits on the statement ect al or exceed your Previous Balance. We cat tits the'grace period You do riot have a grace period on balance transfers or cash advanaa. Periodic Finance Charges are imposed on new balance transfers and ash advances beginning with the data the transaction axes. Periodic Finance Charges are imposed on all transactions and Old Balarces uti the date of repayment. Repayment means payment of your entire New Balance. However, if you pay the New Balance shown on On thitrrg sfatenhet by the Payment Due Date, and the Payments and Credits sham on 1Ms statement equal or exceed the Previous Balance, we will not impose Periodic Finance Charges on new purchases, that is, purchases list appearing on this statement. If your Account was closed as of September 27. 1999, you can avoid payment of Periods Finance Charges if you pay the New Balance shown on this Statement by the Payment Due Data and the Payments and Credits on this statement equal or exceed your Previous Balance. Ot herwise, you will receive a bring statement next month tat includes Penodic Fiance Charges imposed until tie dale of repayment. We cmhpute Periodic Finance Charges each day for purchases. ash advances, balance transfers and Oil Balances (which we refer to as transaction allegories) by using the following equation: Average Daily Balance x number of days in the biting period x Daly Periodic Rate. (Refer tote finance large summary on 11, h;;rt of you stalemmt for these amounts.) Then we add at the Periodic Finance Charges for each transaction category to gar the total Parodic Finance Charges for your Amount. The Average Daily Balance is shown as 0 it no Periodic Finance Charges apply to the balance in e transaction category. We use the Average Daily Balance (including new Vateactiors) method of ceiorlbting the balance upon which we impose Periods Finance Charges. M compute the average daily balance for each transaction category by adding up all ft daily balances In a tilling period for a trasadim category and &MN the total by the amber of days In the biltrg cycle. We transaction category an each day by comixile the daily balance for each first adding ft following to the Previous and Penock Finance Charges accrued on the previous day's daily bbalaha: and by then subtracting any credits i d payments applied against to balance of the transaction ay, a daily balancei Versactions made to day, listes charged Mal t)IC from to balance of the purchase and ash advance transaction categories. Special rae balance Yasfers and Balance Transfer Transaction Fee Fiance Charges are included in the daily balance transfer transaction category. Balance handers tat were asood to an Initial special rate that has been terminated due to a tale payment are also ridded in the category until the initial special rate otherwise world have expired. In calafet V the daily, balance of the balance transfer tansadiai category on the list day of the billing period, we subtract fe unpaid balance of t how Balance Transfer Transaction Fee Firma Charges and balance transfers that become purchase rate balance transfers on that day and we add tal unpaid balance to the balance of to purchase transaction category. Al fees merged to your Account are added to fie purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which we added to the ash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to this balance transfer transaction category. N a transaction made in a previous billing period is termed on this slaemenl, we consider tie transaction date to be the first day of the current bitting period when we calculate you Periodic Finance Charges. For TDD (Telecommunications Device for the DeA assistance, erg l4W347.7448. Discover may monitor adla record telephone calls between you and Discover representatives for quality assurance purposes. The Deccverv cad is issued by Discover Banc, Member FDIC. OlTBKO64 New Balance DISCOVER $3,966.27 19 SDSN6A01 0011501 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due! Account Number ending in 2369 $79.00 Enter Amount Enclosed Below Payment Due Date $ May 18, 2006 Please make check payable to Discover Platinum Card or pay online* Discovercard.com. Access and manage your account at www.Dkiwver.com or visit m.discover.com on your mobile phone. PO BOX 71084 111 ... Iloilo CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space lulnllulnrlnllnrlnlnlnrllllnnlrnlnlnl?nlululrlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228039662700080000007900 Discover Platinum Card Account Summary Closing Dote: April 19, 2006 page 1 of 1 Account number ending in 2369 Previous Balance $3,995.97 Payment Due Date May 18, 2006 Payments And Credits 80.00 Minimum Payment Due $79.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $1,033.00 Balance Transfers + 0.00 Cash Credit Limit 500.00 $2 Finance Charges + 50.30 Cash Credit Available , $1,033.00 New Balance $3,966.27 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bmuse .3 9 Opening Coshback Bonus Balance $ 50 0 0 0 New Cashbock Bonus This Period Cashbock Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercord.com or call 1-8000ISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? ' your I Visit Disco~ com to Pay yaw bB for no test, ?i.w more eam and redeem rewards and kstest Account information Lt's your choice - 3 ways to help , 2. Call 1-8004XSCOVER (347-2683) for fast, sosy sell service M A anager ccount options or to speak with o Customer Service 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. ans. Post T r Payments and Credits Apr 19 Apr 19 PAYMENT THANK YOU $ -80.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. i i Charge Summary Nominal Transaction Average Daily is Daily ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Bates RATES RATES AGES CHARGES current billing period: 31 days Purchases $4017.69 0.04038% 14.74% V 14.74% $50.30 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $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 things on your own, Discover(R) Card has the right account management options for you. Call 1.800-DISCOVER (1-800-347-2683) or visit Discovercard.com Importard Information. If tare is more onarh one pope to this bitting statement, we the back of each paps for additional important Wonelon. See your Candmember Agreement Your Cardrember agreement canbtrs all the thorns of your Aocwnt. Lost or stolen cards. Report immediately' Call 1-00.347-2663. Billing Rlghts Summery. In Case of Efrors or Questions About Your Bill: If you think your bill is wrong, or a you need more information about a transeclion on your bill, mite us on a tolbwing information: later thart 60 days after we sent you the first b71 mn which the ens paper problem appeared. You r ? can le pare us, but doing so will not preserve y In your letter. give its the no Your name a Account n mbar The dollm anrounl of to suspected error Describe one enor and explain, if you can, why you believe there a an error 0 you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are invesligsting, bud you are affil obligated to pay the pans of your bill that am not in Watson. White we trhvesigale your question, we cannot report you as delinquent or take any action to collect the amount you question. Spacial Rate for Chad Card Purehaus: t you have a problem with the 9*q o(VA or services that you purchased with a credit card and you have tried in good I" to correct the problem with the merchant, you may not have to pay the remaining amount due on to goods or services. You have to protection only when On purchase price was more than $50 and the purchase was node in you home state or whin 100 roles of your mating address. (S we own or operate the merchant, or it we mailed you the ad emment for the good or services. all the purcase are covered regardless of the amours or location of to pucese.) Payments. Send only your paymord and the top portion of to statement in the envelop provided. Do not send rash. By sending your dhedk as described above, you outlonze us to use information on your check to make and electronic and transfer from you account at the fna vial institution edicaled on your deck or to process the payment as a check transaction. 9 time psyna rd is processed as an electron had tarslar, the translsr will be for the enact of the deck. When we use information from your deck to make an electronic furhd transfer, fobs may be withdrawn from your socou i as soon as as some day we receive your payment, and you will not mceive your check back from your fmandar institu tim. The txoaes; n9 0 your payment maybe delayed t you said cash, correspondence or other dams with your payment, it you send the payment to any other address or it you use an envelope other than tie one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to you Account as of oral day. Paymerht received at our processing kility aler 5PM local time will be credited to your Account as df the feud day If you have mosplecad your envelope, send you payment to Discover, PO Box 6103, Carol Steam. IL 601976103. Please allow 7-10 days for delivery. I you payment is returned unpaid, we reserve the right to resubmit it as an electronic debt. You can pay you minimum payment or a greeter amart over the telephone. and you can act up automatic payments. Cal us at 1.800-3472663. You will reed On selarsnt and you bank amount information. You must ensue that sufficient funds are available in your bank account. and all tareections most mnply with U S. law. You will be asked to provide the kill 5 digits of you amount statement ZIP code. By entering those mnnbers as your alectaric sigh of re. you will be agreeing to this authorization to allow us and you bank to deduct each payment you awhor2e from you bank account; and to tiabate debit or credit entries to your bane account, as applicable, to tarred error in the processing of such payment YOU must ell us to amount of each payment, or you can select an amount such as Minknurn Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at east tree business days in advance of the scheduled payment You may notify us by phone at I-M347-2683 or by mail at one address listed nits previous paragraph. 8 your payments may vary in amount we will lei you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less then the indicated on the mont y statement based on credo or payments applied dung the billing cycle Credit Reporting. We may report information about you account to credit bureaus. Late payments. missed payments, or other delsift on your account may be reflected in your credit report. We normally repot to status and payment history of you Account to credit reporting agencies each narM. If you behave that our report is inaccurate or incomplete. please write us at to following address'. Discover. PO Box 15316. Wtmrgion, DE 1985M16. Pease ndude your name, address, home telephone numbs and Account number. PERIODIC FINANCE CHAGES. Periodic France Chagas are imposed on all transactions from the date to trasachon a posed to you Account unity the date you pay your snore New Balance, by making payments or recawg craft. However, we ail provide the folarirg `grace pe iod? If you paid the New Balance on you pervious billing statement by the Payment Due Dab show on that statement, and you pay the New Balance by the Payment Due Date an this statement we will not impose Periodic Finance Charges on new purchases. that b, purchases felt appearing on tiro statement Ober es e, you will mow a biting statement nerd month that includes Periods Finance Charges on terse new pure em. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances. ansubject to d balance a transtars; and lt=d ? transactions wittwmt each h group by ansaction l Percentage a Rate. For example purchases subpd to a promotional end of each bitting period. we compute Periodic Finance Charges kx each day of tie billing period for each transaction category. We use to following sWebm to con" Periodic for each transaction category. Average Daily Balance x nobs of days in the billing period x Deity Periodic Role. ISee to finance charge summary on your statement fa these amounts) Then vre M4 ul iiie Fenxdc I'mai Chagas for each kansednn calm" to get the total Periodic France Gorges for you Account The average Daily Balance is shown as zero it, because ut the y ace peiod, no Periodic Finance Charges apply to to balance in a transaction caw". We use time Average Deily Balance (including new taiaeckons) method of calculating the beiance upon which we impose Periodic Finance Charges. We oompule to Average Dady Balance for each transaction category by adding up at the daily balances in a billing period for a Varaaation category and dandirg the total by to number of days in the billing cycle. We compute the daily balance for each transaction category on each day by first adding to lob" to the previous days daily balance, transactions made that day, boa charged to day and Periodic France Charges armed on that day. If a transaction is posted to your Account car the close of the billing period in which a occurs, we will teat the transaction as having occurred on the first day of the billing period in which t is posed to your Aocoure. All feer?g? nt am added to to standard puchses sassdion category %On the exception of Cash Advance Transaction Fee Finance Charges which are added to the appll ?dAfl? transaction category and Balance Transfer Transaction Fee France Charges whidm se added to to applicable balance Warsaw fanesction category When the spww rate eptres, we move the unpad beha or of to balance taster a the Baance Transfer Tro section Fee Fnerce Chaghes b the stead purdroae aaneacion category. However. I to spacial rate has been terminated under to Debull Rate Plan. we leave to unpaid balance of to balance Vander and ore Balance Transfer Traksection Fee Finance Charges in the applicable transaction category until time special tote would have expired. For TM (TsMcmnwntcatona Device for the Oeaf) asalstwos, call 1-M347.744t. Discover may monitor andfor retard telephone cells between you and Discover represenla6ves for quality assurance purposes The Msocvere cad is issued by Discover Bank, Member FDIC. 01TBK1O7 New Balance Minimum Payment Duel Account Number ending in 2369 DISCOVER $3,935.57 $78.00 Enter Amount Enclosed Below L__.._.- Payment Due Date $? June 18, 2006 Please make check gy?able to Discover Platinum Card or pay online ?Discovercard.com. 19 SDSN6A01 0011502 RICK HOOVER Access and manage your account at www.Discover.com or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 IIIrllll"""111'1..11"'1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changel Print change in space )111111111111)r)if r,111111,n))))nr)nIf rln)lsr)rrhrhhr)) above, or go to Di3cover.com. Print your email address to receive important Account information and special offers. 000001986458892412228039355700079000007800 Discover Platinum Card Account Summary Closing Dote: May 19, 2006 page 1 of 1 Account number ending in 2369 Previous Balance $3,966.27 Payment Due Date June 18, 2006 Payments And Credits 79.00 Minimum Payment Due $78.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $1,064.00 Balance Transfers + 0.00 Cash Credit limit $2,500.00 Finance ass _ + 48.30 Cash Credit Available $1,064.00 New Balance $3,935.57 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashbmk Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback BonuA Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or toll 1-800-DISCOVER (1-800347-2683) to get your share of America's #1 Cash Rewards Program. 1 Visit Discover .corn to pay your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call I.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) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Dale Dab Payments and Credits May 19 May 19 PAYMENT THANK YOU $ -79.00 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. FFiin?ance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dairy Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Dgwnm Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3986.95 0.04038% 14.74% V 14.74% $48.30 $0 Cash Advances $0 4 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information If there is more ton one page to the biting statement. see the beck of each page fa additional important infomralan. See your Cardmember Agreernent. You Cerdmembea agreement contains all to terms of your Account. Lost or stolen cards. Report immediately! Call 1-804347-2683. Billing Rights Summary. In Cow of Errors or Questions About Your B8: it you It" your bill re wrong, or if you need more information about a transactim on you bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City. UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can teleptrone its, but dokg so will not preserve you rights. In you letter. give us the folowmg irdamatiae Your name end Armed number The dollar amount of the suspected error Describe the error and explain. it you can, why you believe there is an an% O you need more inbnrrali n, describe the item you are unsure about You do not hove to pay any mount in question *h de we are investigating, but you are sill obligated to pay the parts o( your bill tho are not in question. WIWe we investigate your question, we cannot report you as delinquent or take any action to called to amount you question. Spacld Rate for Credit Card Purchases: If you have a problem with to quality of goods or services that you purchased with a credit card end you have tried in good Leah to cared the problem with On merchant, you may not have to pay the romp rug accent des on to goods or services. You have this prolectim only when the purchase price was more than $50 and ft purchase was merle in you home state a within 100 miss of your making address. IN we own or operate the merchant, or A we mailed you the advertisement for Oe good or services. all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only you payment and the by portion of the statement in the envelop provided. Do not said cash- By sending your deck as described above, you auOgrize us to use inform short on your deck to make and electronic trod Water from you account at the financial instiition indicated on your dvedh or to process the payment as a check transaction. If the payrrnert is piocessed as an electronic fund transfer. the iensles will be for the amount of the check. When we use ktam rion from your died to make an electronic kud transfer. Wads may be withdrawn from your account as soon as the same day we receive your payment end you will not receive your check bade from your financial insWUtion. The processing of you payment maybe delayed d you send cash. correspondence or other items with you payrnenl it you send the payment to any other address or it you use an envelope other than to one provided. Payments received in proper form at our processing facility by 5PM local lane on any day will be credited to your Accord as of that day. Payments received at our processing facility after 5PM total time will be credited to yauAcrwua as of the treed day If you have misplaced you envelope, send your payment to Discover, PO Box 6103, Card Stream. L 601974103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit t as an electronic debit, You can pay you minkman payment or a greeter amount over the telep! ons. and you can set up automatic payments. Col us at IAD-3472683. You will creed this statement and you bank account nbmnalion You must ensue Oct mgki nil fads are avakebte in your bank scmut• and all hamsactions must comply with U.S. taw. You will be asked to provide the lost 5 digits of you account s!alernwit ZIP code. By entering Icss, numbers a your oectronie signature. you will be agreeing to this euthonzat n to slow us and you bank to deduct each payment you authorize from you bank account, and to reitiae debit or credit entries to you be* account, as applicable, to correct error in the processing of such payment. You mal fall us die amout of each payment, or you can rated an amaze t such as Miriam Papoat Due or the New Balance m each statement. You can cancel a payment, however we mat receive mice at least Ores business days in advance of the scheduled payment. You may notify us by phone at 1-800-347-2683 or by mad at the address listed in the previous paragraph. O your payments may very in amount we will tell you on each monthly statement when your payment will be made and how much it will be. You Automatic payment amount may be less than the indicated on the no" stausme t based on creoMs of payments applied dung the biking cycle. Credit Reporting, We may report information about you accoart to credit bureaus. Late payments, mated payments, or other defaults on you account may be reflected in your credit report. We romrothy repot the aloha and payment Worry of you Account to credit reporting agencies each month. If you believe Mat our report is inaccurate or ncomplele, please write nor at de following address: Discover, PO Box 15316. Wikrirgbn, DE 19850.5316. Please include you name, address, home telephone number and Accorhl number. PERIODIC FNWE CNAGES. Periodic France Cho" are imposed on all transactions from the date the transaction is posted to yourAcceunt unik the doe you pay you entire New Balance, by making payments or receiving aedls. However, we will MvAde the idowng'grece period' If you paid the New Balance on you pervious bang statement by the Payment Due Date shown on that statement, ad you pay the New Balance by the Payment Due Date on this statement we will not rose Periodic Finance Charges on new purchases, that s, purchases first appeanng on this steterrant Otherwise, you will receive a biting stalement next month Met includes Periodic Finance Chagos on those new purchases. There is no gram period on balance transfers or cash advances. We sot you es sinb groups of purchases, cash h aand batranslate and tan further sort the lance roles would be separate ! copsfer t*tan o each group a groups arsytranansacion categories. Al the For d puurcharchasesdu)e to c a promotional is rate and purchases subject standard of each billing period. w we ompu!e Periodic Furrerce Chang esalhagas for each day of the billing period for each transaction category. We use the foiowkg equation to compute Periodic en for each transaction category. Average Daly Balance x member of days in the biting period x Daily Periodic Rate. (See the finance charge summary on you suawriort for these amounts ) Then we add up the Periodic Finance Chagos fa each It anzactuon category to get the btal Periodic Finance Charges for you Account. The average Daly Balance is shown as zero if, because of the grace pnnod, no Periodic Finance Clargas apply to #a balance in a haraection category. We use to Average Daly Balance (mckuding new hansections) rrreMod of calc laug the balance upon which we impose Periodic Finance Charges. We compuule Ma Average Daily Balance for each transaction category by adding up all the daily Warmer n a billing period for a transaction category and dividing the too by the member of days in the biting cycle. We compuue the daily balance for each transechon category on each day by first adding the taioveing to the proms day's daily balance. warractians made that day, fees charged that day and Periodic France Charges accrued on Nat day If a transaction is posted to your Account alter the dose of the bung perod in which it occurs, we YA treat the transaction as having occurred on the frsl day of the billing period in which 9 a posted to your Accent. Al k"* Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finace Chaws; which are added to the applicable cash advance transaction calegayand Balance Trasfer Transaction Fee Finance Charges which am added to to applicable balance florists, transaction category Whan the special rate expires. we rye the unpaid balance of tha balance transfer and Oa Balance Transfer Transaction Fee Finance Charges to the standard purchase trasadcn category. However, it this Vocal rate has been terminated under the Default Rate Plm, we Nave the upaid balance of Oa balance transfer and it* Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the Vocal rate would have expired. For TDD (Telecomm udcodom Device for the Dealt) assistance, call I-M 11.1149. Discover may mnordor adlar record telephone cad between you and Discover representatives for quality assurance purposes The Discover' cad is issued by Discover Bank Member FDIC. OITBK107 New Balance Minimum Payment Due Account Number ending in 2369 DISCOVER $3,907.86 $78.00 Enter Amount Enclosed Below Payment Due Date $ 1- July 18, 2006 Please make check payable to Discover Platinum Cord or pay online p able 19 SDSN6A010011503 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 ???ssr??nnn?llrln??wl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change4 Print change in space 111111 if11rrrlIIIruI.r191rn1111m1is I III 111it1111111111rr11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228039078600078000007800 Discover Platinum Card Account Summary Closing Date: June 19, 2006 page 1 of 1 Account number ending in 2369 Payment Due Date July 18, 2006 Minimum Payment Due $78.00 Credit Limit $5,000.00 Credit Available $1,092.00 Cash Credit Limit $2,500.00 Cash Credit Available $1,092.00 Previous Balance $3,935.57 Payments And Credits 78.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 50.29 New Balance a $3,907.86 You may be able to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonuse Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800-DISCOVER (1.800.347.2683) to get your share of America's 81 Cash Rewards Program. Opening Cashback Bonus Balance $ 50.39 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 How Can We Help You? I Visit Discover can to pay your big for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.8MDISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Dates. Post Date Payments and Credits Jun 16 Jun 16 PAYMENT THANK YOU $ •78.00 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. PMR Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FRrANCE Balances Rates RATES RATES _ CHARGES current billing period: 31 days .Purchases $394).84 0.04107% 14.99% V 14.99% $50.29 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. If mere is more than one page to Ias billing statement we tle book of each page for additionalimportant information, . Sec you Cardmember Agreement. Your Cardmernber agreement coMans all the terms o (your Account Lost or stolen cards. Report irrenedistey! Call 14I00-347-2683. Billing Rights Summary. In Case of Errors or Questions About Your Bill: I you think your bill is wag, or it you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover. PO Box 30121. Salt Lake City. UT 84130-0421, a soon as possible. We must hear from you no later than 60 days after we sent you to list bill on which the anon or problem appeared. You can telephone us, bug doing so will not preserve your rights. In your letter. give rile the following mformationn: Your name and Award number The dollar amount of the suspected error Describe to emor and explain d you can. why you believe there is an snot. If you need man idon akon. describe the ilem you ere assure about. You do not have to pay any amount in question while we are nvestigstng, but you are Al oblgeBed to pay the parts of you bit to are not in question. While we investigate your question. we cannot report you as demifuent or take any action to collect to arnarM you question. Special Rate for Credit Card purchases: 9 you have a problem with the quality, of goods or services Mat you purchased with a credit card and you have tried in good faith to oorred the problem with Me merchant you may not have to pay the reaaiting anoint de on to goods or services. You have tilt protection only when die purchase price was more than $50 and the purchase was made in your home sate or within 100 riles of yaw malirg address. (If we own or operate the merchant. or 4 we mailed you the advert sermnl for the good or services, all the purchase are covered regardless of the amount or bcw m of the purchase.) Poymanb. Send only your payment and the top portion of the Natemert in ft envelop provided. Do not sad ash. By sanding your died as described above, you aunt a us to use information on your check to mow and electronic Iliad Hander from your account at to firmu l iratauuon indicated on your deck or to process the payment as a deck kansedion I the payment is processed as an electronic fwd trensler. to trarefer will be for the amwnt of the a". When vie use rdormst aft from your check to make an electronic fund transfer, finds may be withdrawn from your account as soon as Oe same day we receive your payient and you will not receive your died back from your financial institution, The prxpming of you payment maybe deiayek! :! ou send cash, correspondence or other items with you payment it you send the payment b any other address of d you use an envelope other than the one provided. Payments received in proper form at our proassi g facility by 5PM local time on any day will be aedad to your Accent as of Oat day. Payments received at our processing facility after 5PM local time will be credited to your Account as of tie next day If you have misplaced you whelope, send your payment to Discover, PO Box 6103, Carol Stream. IL 60197-6103. Please slow 7-10 days for delivery. 8 your payment is returned unpaid, we reserve the right to resubmit i all an electronic debit. You an pay your minknxn payment or a greater amount over ON telephone, and you an set up submakc psymards. Cat us at 1400.3472683. You will need this statement and your bank amount i iormabrin. You rust ensure that sufficient finds are available in your bank account. all all tranaectime must oomphy with U.S. law. You will be asked to provide a* list 5 digits of you account statement ZIP code. By entering dices, mrnbens as your electronic signature. you will be agreeing to On eulhacabm to slow lie and your bank to deduct each payment you sudorae from your bank account, and to new debit or credit entries b your bank accourd, as applicable, to wired error in the processing of such payment You must ter us the ~ of each payment, or you can select an amount with as Ma visam Payment Due or to New Balance on each statement You oan cancel a payment, however we must receive notice at kart teen business days in advance of to scheduled parent You may notify us by phone at 1-800-347.2663 or by mad at the address listed in Me previous paagraph. O your psyrents may very in amount we will tell you an each monift sataherd when your payment will be made and hxwv much it will be. You Automatic payment amoav may be less Man ft indicated on to ma" statement based on credits or payments applied during the bikq cycle. C" Reporting. We may report kdamatbn about your aowW b as& bureaus Late parents, missed payments. or offer defaults on your account may be reflected in your credit report. We normally report the areas and payment history of your Account to credit reporting agencies each mordh. I you believe VW our report is inaccurate or nwmptete. passe write us at the following address: Discover, PO Box 15316. Wilmington, DE 19850.5316. Reese include your name, address, home wleplione number and Account number. PERIWC FINANCE CNAGES. Periodic Fnarm Charges are imposed on all transactions from the date the Irensecton is posted b yourAaxud wag to data you pay your enkre New Balance, by malu g payments of receiving craft. However, we will provide to billowing `grace period- If you paid to New Balance on your pervious built statement by the Payment Due Dale shown on that statement. and you pay the New Belem by Ile Payment Due Date on this statement we will not wripae periodic Finance Cherges on new purchases, that is, purchases amt appearing on #as statement Otherwise, you will receive a billing statement next month set Fades Perak Fiance Charges w tow new purchases There is no grace period on balance traaars or cash advances. We sort your transactions into groups of purcaaes, ash advances, and balance transfers and then further sort the trareact ore widhih each group by their Annual Percentage Rate. For example purchases nbtect to a promotional rate and purchases subject to standard rate would be separate groups. We rear to these grails a transaction categories. At the end of each dkng period. we compute Peralic Finance Charges for each day of to bibrg period for each transaction category. We use the following equabm to compute Penedic for each transaction category. Average Daily Balance x number of days in the billing period x Deily Perak Rae. iSee the finance charge summary on your statement for tow emarts.l Them w p, art up to Periodic Finance Charges for each trereecbn category to gel the oral Periodic Finance Chagas for your Account. The average Daily Balance is shomi as zero d, l,ecause of the grew period, no Periodic Finance Charges apply to be beans in a transaction category. We use to Average Daily Balance (including row rareactions) method of calculating to balance upon which we impose Periods Finance Charges. We eomprrta the Average Deily Balance our each bansecron category by adding up all the daily blances in a biting period for a transaction category and dividing the oral by the camber of days in the billing cycle We compute the daily balance for each transaction category on each day by fast adding the fotasig to to previous days daily balance, ransacrom made tlet day. fees charged that day and Periodic Finance Charges accrued on tat day. I a transedon is posted to your Awcrnt alter the dose of to biting period in which M owns. we *01 rear the transaction as having occurred on Me first day of to billing period in which it a posted to your Account. added to N Peasp?oq? are added to to standard purchase transaction category with the exception of Cash Advance Transaction Fee Fihsrhoe Charges w4dcth are . the app awe li7 i>ake tr react rile ro category and Balance Trans* Transaction Fee Finance Charges whhidh we added to the applicable balance transfer tron category When the special rate expires. we move the unpaid balance of to beano trenaler and to Balance, Transfer Transaction Fee Fiance Charges b to standard purchase vensedan category . However, if to special rate has been terminated under to Do" Rate Plan, we leave to unpaid balance of the balance Vander and to Balance Transfer Transaction Fee Finance Charges in the appkable kasadion category until the special rate wood have expired. For TDD (Telecomnwadcatlas Dav!a for the DasQ assistance, all t4W347.7449. Discover may mortar endkr record Mlephaw cats between you and Discover representatives for quality assurance purposes The Discover* card s issued by Discover Bank, Member FDIC. O1TBK107 DISCOVER New Balance Minimum Payment Due Account Number ending in 2369 $3,879.07 LS77.00_ _ J Enter Amount Enclosed Below Payment Due Date $ August 18, 2006 Please make check payable to Discover Platinum Card or pay online 'D Discovercard.com. 19 SDSN6A01 0011504 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 111nrl1rrrlsr11111rr11rl1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space luhll????ul?lln?li???ln?lll??u???lnlnll???iilnlihil? above, or go to Discover.com. Print your *-mail address to receive important Account information and special offers. 000001986458892412228038790700078000007700 Discover Platinum Card Account Summary Closing Date: July 19, 2006 pogo 1 of 1 Account number ending in 2369 Previous Balance $3,907.86 Payment Due Date August 18, 2006 Payments And Credits 78.00 Minimum Payment Due $77.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $1 120.00 Balance Transfers + 0.00 Cosh Credit Limit $2,500.00 Finance Charges _ + 49.21 Cash Credit Available $1 120.00 New Balance $3,879.07 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ccshback B011use Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance Cashbock Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonu3(R) is waiting for you. Visit Discovercord.com or call 1-800-DISCOVER (1-800.347-2683) to get yarn share of America's #1 Cash Rewards Program. 50.39 1 Visit Discover corn to pay your bib for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for last, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sag Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Dales. Post Dal* PayrrwNs and Credo Jul 19 Jul 19 PAYMENT THANK YOU $ .78.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rote is subject to the terms of the offer including expiration. finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rats _ RATES RATES CHAWAS CHARGES current billing period: 30 days Purchases $3929.01 0.04175% 15.24% V 15.24% $49.21 $0 Cash Advances $0 0.05751% 20.99% F 20.990% $0 $0 The rates that apply to your Account are either fixed (F) or they may Yary (V) as noted above. important ImermWlen. N there is more then one page to this bilking statement, see the back of each pope for additional important irdonmsbon. rn y See Your Cardmember Agreement. You Cradmember agreement contain as the terms of your Account Z m Loot of stolen cards. Report ihwmad akelyl Call 1-004347.2603. a Biting Rights Summary. In Case of Errors or OuestionsAbo t Your Bill: N you Ihink you bill is wrong, or d you need more tdamatiah abort a transaction on your bid, write us on a separate sheet of paper at Discover. PO Box 30421, Sak Lake Cty, UT 841301421, as soon as possible. We muss hear from you no loter Man 60 days after we sent you the first bill $ on which the error or problem appeared. You can telephone us, bid doing so will not preserve you 46. In your liner, give us the following information: A Your name andAocont number The doctor mourn of the suspected error Describe to error end explain, t you can. why you believe them is an ener. N you need more Wonnation, desoribe to gem you are unsure about. You do not have to pay any amount in question while we am investigating, bud you are s all obligated to pay the parts of you bill that are not in question. While we investigate your question, we carrot report you as dekrqueM or take any action b called to amount you question. Special Rik for Credff Card Purchases: N you have a problem with the quality o(goods or services Mat you purchased with a sect card and you have tried in good feint to correct the problem with the madam, you may not have to pay to remaeo g amount clue on the goods or services. You have Bas protection only when the pudtsse puce was more than $50 and ft purchase, was made in your fame slate or within IW miss of your mailing address. IN we own or operate the mordnant, or t we mailed you the advertisement for the good or services: all the pudhase are covered regardless of the amour or location of the purchase.) Payments. Send o* you payment and the by potion of the skedemend in the a volop provided. Do no send cash. By sending your check as described above, you author ze us to use information on your check to make and electronic tend transfer from you exact at this financial institution indicated on your dock or to process ere payment as a chock transaction. If the payment is processed as an electronic kind transer, the transer Vial be for the amount of In check. When we use imormaaon tom you check to make an be hwthdravm from you account as soon as the same day we receive you payment and you wN not raceme you check back hom your finsnciel finds ma nslier i fi d m l t , y n o e ec ron c Institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with you payment, if you send the peyrmit to any other address or d you use an Payments received in papa lam at our processing facility by 5PM kcal lone on any day will be credited to your Akoont as of that day. rovided e other then the one l . p enve op Payments received Was processing facility alter 5PM local time will be credited lo your Account as of the next day. If you have misplaced your envelope. send your payment to Discover, PO Box 6103, Cad Stream. IL 601971103. Please allow 7-10 days for delivery. N your payment is returned unpaid, we reserve the right to resubrtil it as an eleWonic debit You can pay you nwwnxan payment or a greater amount over the telephan• and you can set up automatic payments. Cell us at IM-3412683. You will need this statement and You must ensue that sufficient finds am ova table in your bank account, and all transactions must comply with U.S. law. You will be asked to provide r bank accent information . you the IV 5 digits of you account statement ZIP code. By entering Moss rsxnbers as your electronic signatus, you will be agreeing b this eudarizatim to allow to and you bank to and to satiate debit or credit entries to you bank accourd. as appkxble, to correct arts in the processing of such our bank amout ou suMofze from h ment d d , y y uct eac pay e payment. You must tell us the amount of each payment, or you can select an anounl such as Miimtm Payment Due or the New Balance on each statement. You can canbal e payment, however we must receive ndioa at last three business days in advice of it* scheduled payment. You may rosy ins by phone at 1400.347-2683 or by mat of the ou payments may very in amour we will tell you on each mor" statement when you paymenl will be made and how much it will be ra h 11 ara th i s Int l d y g p e prev ou p e in ad ress Your Automatic payment amount may be less then this indicated on the monthly statement based on crack or payments applied during the billing cyde. Credit Reporting. We may report khtomskoin about you account to credit bureaus. Lab payments, missed payments, or other dolahdke on you account may be reflected in your credit report. We normally repot the status and payment history of you Account to acct reporting agencies each month. N you believe that ou report is inaccurate or incanplete. please write us at the following address: Discover, PO Bak 15316, Wilmington, DE 198545316. Please include your name, address, home telephone number and Acom" number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are inyosed on all transactions from the date the transaction is posted to you Accout until Me date you pay your enure we will provide the ldlowing'greca padod" N you pad the New Balance on your pervious billing stalanari by aedts However manls or reeivn Wi e b N B l , g y m g p y ance, ew a this Payment Due Date shown on t al statement, and you pay lie New Betake by the Payment Due Doke on this skbmad we will not wpm Periodic Finance Charges on new purchases, MW is, puchases first appearing on this staarem Otherwise. you will receive a h" statement next m or M that includes Periodic Fnance Charges on those new purchases. There is no grace period on balance hanafers or cash advances. We sort your trarserAOra no grips of purchases, cash advances, and balance ltalelars and then further sort to transactions wit at each group by their Ar" Percentage Rate. For example purchases, subled to a promotional rate and purchases shod to standard rate would be separate grays. We refer to these groups as transaction categories. At the end of each biding period. we ompute Periodic I'ma ce Charges for each day of the bilking period for each baserthon category. We use the following equation to compute Periodic for each transaction category. Average Deity Balance x mamba of days a the hdng period x Daly Periodic Rake. (See to finance charge summary on your statement for these amounts.) Than we add lip the Periodic Finance Charges ter each transaction category to get the oat Pa "tic Finance ChaOes Inn w iii Account Ths average Daily Balance is shown as zero t, because of the grace period, no Periodic Finance Charges a" to the balance in a transaction category. We use the Average Daily Balance (including row transactions) method of calculating the balance upon which we impose Periodic Finance Chagas. We or" the Average Daly Balance (a each kensackon category by adding up ad the daily balances in a b&g period for a transaction category and dividing this total by the number of days n the boWng cycle We compile tie daily balance for each transaction category on each day by fret adding the fodowag to thte previous days daily balance, tansaclcns made that day foes charged that day and Perock Finance Charges scaued on that day. N a tra eacsah is posted to your Account alter to dose of the billing period in which it occurs, we will treat the basacton as having scarred on the first day of the biding period in which it is posted to you Accouu. AY ? Aocatrd as added b the sbrdard pudkese dranaaclion cahegory witln Me exception of Ceeh Advance Trenaadion Fee Firenca Chaga VFich ore added b thahppkance traroaction cetegay anted 8alahoe Tiersfer Trenseclon Fee Finaca Chagos whdn are added b tfb appkcabb baterhoe treater traneadion category When the apsdai roe exprea, we move the upped balance d the balance rotator end the Balarra Therefor Traneection Fee Fiance Charges b the akrdad puchae transaction category. llowehrer, it the special rake has boa lerrnihhated nrhder the DefarM Role Plant sus bsve tie unpaid Dekwhoe of Ute balernce transfer and line Balance Transfer Tinmsaction Fee Fintenhce Chagas n the appixebb kahtsactiorh cWepory hadl thb speed rat would have a pied. For TOD (TakcommunlcatIorb Device for the DeaQ assistance, cat 1404347-7449. Discover may moritor ardfor record telephone cats between you and Discover repeaentafives for quality assurance purposes The Discover" card is issued by Discover Bank, Member FDIC. OITBK107 New Balance Minimum Payment Due DISCOVER $3,852.49 $77.00 Payment Due Date September 18, 2006 Account Number ending in 2369 Enter Amount Enclosed Below $ 1 1 Please make check payable to Discover Platinum Card or pay online 0 Discovercard.comn 19 SDSN6A010011505 RICK HOOVER Access and manage your account at www.Discover.com or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changel Print change in space I?rI1I111I?11'rl'1r1I11I11r111 ?'I?r1l1 r'nr'?1II11I?1Ir1Itl?tl' above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228038524900077000007700 Discover Platinum Card Account Summary Closing Date: August 19, 2006 page 1 of 1 .Account number ending in 2369 Previous Balance $3,879.07 Payment Due Date September 18, 2006 Payments And Credits 77.00 Minimum Payment Due $77.00 Purchases + 0.00 Credit limit $5,000.00 Cash Advances + 0.00 Credit Available $1 147.00 Balance Transfers + 0.00 Cash Credit Limit $2,500.00 Finance Charges + 50.42 Cash Credit Available $1 147.00 New Balance $3,852.49 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 50.39 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance S 50.39 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800-347-2683) to get your share of ;America's #1 Cash Rewards Program. Help You? I Visit Discover com to pay your bill for no cost, viow your How Can We He latest Account information, *am and redeem r. s 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) we reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T aiis Da Date ;Payments and Credits Aug 17 Aug 17 PAYMENT THANK YOU $ -77.00 I Information For You 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. OJ4 MEN i Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHA1MS current billing period: 31 days Purchases $3896.01 0.04175% 15.24% V 15.24% $50.42 $0 'Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 IThe rates that apply to your Account are tither fixed (f) or they may vary (V) as rated above. Important Information. N two is more than one pegs to On blbV statement see the beds of each papa ter additional important nbrtnafion. See your Cardmember Agreement. Your Cardrttember agreement contains d the bons d your Accent. Lost or stolen cards. Report iesdialelyf Cal 1.800.347-2663. Willing Rights Suanary. n Case at Ems or OuesWns About You BA: N you think your bill is wrong, or if you need more iMannabon about a transaction on your bill, while us on a separate sheet of paper at Discover. PO Box 30421. Sall Lake City. UT 841J0-0421, as soon as possible. We must hear from you no later than 60 days alter we sent you the first bill on which the error or problem appeared. You can bbphate us, but doing so will not preserve your rights. in you letter. give us the blowing inbrm con: Your nsm and Account number The dollar amount of the suspected user Describe the ens and explain, 4 you can, why you believe them is an error. N you need more information, describe the item you are unsure about. YOU do not have to pay any amoud in question while we are nveabgefirg, but you are sill obligated to pay the pens of your bill that are not in Wasson. While we investigate your qureshon, ova cannot report you as delimprit or lake arty action to oohed the amount you question. Special Rate for Credit Card Purchi sea: t you have a problem with the wAty of goods or services that you purchased with a credil card and you have Vied in good faith to correct the problem with the nrorc art• you may no have to pay the remaining amount due on the goods or services. You hove this, protection only when one purchase price was more than $50 and she purchase was ands in your hone stare or within 100 miss of you meanp address. (N we own or operate one m rahant, or it we mated you the edvemsemeent for one good or services. all the purchase ass covered regardless of she amount or location of the purchase.) Payments. Send only your permit and the top portion of the statamd in to erwelop provided. Do not send math. By sending your crock as described above, you authorize us to use xtamaion on you crock to make and electronic Just transfer from your accaurm at the financed institution rcdbesed on your check or to process to payment as a check transaction. N the payment is processed as an electronic kind transfer, the Liensler will be for the amount of tb dtedk. When we use information from your drodu to make an electronic fund transfer, krxle may be withdrawn from your somant as soon as the same day we receive your psymird, and you will not receive you duck bade from your financial natihlbel. The processing of your payment maybe delayed h you send cash, correspondence or other items with you payment, h you send the payment to any other address or if you use an erwelope other than to one provided. Payments eeceved in proper form at our pmcessig tedkly by 5PM local time on any day will be credited to you Account as of that day PayrnerMa received at our processing fecfily after 5PM local time will be credited to your Account a of the next day N you have misplaced your envelope, send your peyment to Discover, PO Bm 6103, Card Stream, IL 601976103. Please slow 7-10 days for delivery. N you payment is retuned unpaid, we reserve tlro rot to resubmit it as an electronic debit. You can pay your mimmu n payment or a greater ameba over the telephone, and you con set up auaom iic payohents. CM us at 1800-3472683. You will need the statement and you bale account information. You must owe tut shd6eent funds we available in yaw bank amount. and all transactions; must comply with U.S. law. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering those ambers as your electronic signature, you will be agreeing to the suttaveion to allow is and you bank to deduct each payment you owhorite from you bank aaaut, and to irritate debit or credit entries p your bank soon t. as applicable, b eared error in to processing of such payment. You must iM us the amours of each payment or you can seied an amount such as Miriam Parent Due or to Now Balance on each statement. You ran cancel a payment, however we must receive notice at best tree business days in advance of to sd"M payment. You may nobly as by phom at 1-000-347-2683 or by mail at the address fisted in she pravios paragraph. t you payinents may cosy in amount we will tell you on each monthly statement when you psymnit will be made and haw much it will be. Your Aulanaic payment araunt may be less then the indicated on the moMNy statement based on credits or payments applied dust the billing cycle. Cra M Reportlng. We may report niormeiah about you accost to credit bureaus. Late peymems, missed payments, or other defer/k on you account may be reflected in you ore& report. We normally report to status and payment hislay of your Amount to credit reporting agonies each month. t you believe that our report is inaccurate or incomplete, please write us at the Moverg address: Discover. PO Box 15316, Wknirgto n, DE 1985115316. Please include your rmrns, aAdreea, home telephhone rwrrber rd Ancourl number PERIODIC FINANCE CHAGES. Peniodc Fi arm Charges are imposed on all transactions from the date the transaction is posted to your Account until ate date you pay you entire New Balance, by making peymats or mosivig credits. However, we will provide th blowing "grace Period N You paid fro New Balance on your pervious bilkng stabmrt by the Payment Due Deb shown on that ststrnent and you pay the New Balance by to Payment De Dark on to deftimerw we will not impose Periodic Firome Chagee on new purchases, that e. purchases fast appearing on do staloert Otherwise. you will receive a blin8 statement next month to inekrdes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sat your trasednrs into grapy of purchases, cash atvacies. and balance transfers and then further sat to transactions with each grail by trier Moral Percentage Rate. For example Purchases subled to a promotional rape and purdesen su bted to standard rate would be separate groups. We reW to these groups as transaction categories. At fie end of each bieg period, we oompule Periodic Fiance Charges for each day of ft b&N period for each trersadmn category . We use the to "actuation to compute Periodic for each transaction category Average Daly Balance x amber of days in the bltng period x Daly Periodic Rate. (See the finance dirge summery on ycu stakrnent for these amount t Than .e odd up the Periodic Feanae Charges for each trarsadan category to get the total Petiodic Finance, Charges for your Account. The enrage Daily Balance is shown as zero d, because of the grace Perim, no Periodic Finrnce Charges apply to to balance in a transaction category. We use the Average Deily Belarm (ndudng new trarea Lions) meted of calculating the below upon which we wpm Periodic Finance Charges We compute ft Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by to number of days in the blbg cycle. We compule the defy balance for each transaction category on each day by fast adding In lick" to fro previous Jaye daily balance. transecions made that day, tees charged dreg day and Periodic From Chagas aunted on that day Nor transaction is posted to your Aoom t after the close of the biting period in winch it oxxrs, we will treat the transaction as having occurred on the first day of the billing period in which 9 is posted to you Acoou t. AN fees tWrd ass added to to standard puchodi tramecion categcry with the exception of Cash Advance Traeadicn Fee Fiance Charges which are added to the app e h aTice transaction category and Balance Transbr Transaction Fee Fence Charges which are added to is applicable be erme transfer transaction category When is special rate expires, we move M unpaid balance of to balance transfer and the Balance Transfer Transaction Fee Finance Charges to to standard purchase trarsacon category . However, if the special mate has been terminated under the Def" RNA Ran, we Wave the unpaid balance of the briars transfer and the Balance Trans r Transaction Fee Fierme Chagas in the applicable transaction category until the special rate would have expired. For TOO (Telicomma ukadone Device for the W assistna, cal 1404347.7449. Discover may mom kr andar record telephone cob between you and Discover representatives for "My assurance pupaes The Discover' ardor issued by Discover Beau, Member FDIC. OITBK107 DISCOVER New Balance I Minimum Payment Due Account Number ending in 2369 $3,825.57 L576.00 _ __J Enter Amount Enclosed Below Payment Due Date $ October 18, 2006 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 19 SDSN6A010011506 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 116r911 1 srsrr116111 11111 1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?nlil?n?urlrllnr?n?r?un??llrnlrrln?n??nlnln?r?n?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228038255700077000007600 Discover Platinum Card Account Summary Closing Date: September 19, 2006 page 1 of 2 Account number ending in 2369 Previous Balance $3,852.49 Payment Due Date October 18, 2006 Payments And Credits 77.00 Minimum Payment Due $76.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $1,174.00 Balance Transfers + 0.00 Cash Credit limit 500.00 $2 Finance Charges 50.08 + Cash Credit Available , $1 174.00 New Balance _ $3,825.57 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonuse Opening Cashback Bonus Balance $ 50.39 New Coshback Bonus This Period + 0.00 Coshbock Bono36 Anniversary Month: March CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discovercord.com or call 1-800-DISCOVER (1-800-347-2683) to get your share of America's #1 Cash Rewards Program. Cashback Bonus Balance 50.39 How Can We Help You? 1 Visit Discover cam to pay your bil for no cost, viwv r latest Account information, earn and redeem rewordi and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover 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. TDab rans. Post Payments and Gedits Sep 17 Sep 17 PAYMENT THANK YOU $ -77.00 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 Plaza, Suite 2100, Chicago, Illinois 606066613. 9415135 Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCENTAGE RATE: 7.90%. Rah is subject to the terms of the offer including expiration. Shop confidently. Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. With our advanced fraud warnings, we'll call you right away if there's unusual activity on your account. And if someone makes fraudulent charges with your card, our $0 fraud liability guarantee means you're not responsible. Important Information If there is more than are pope to this billing statemant, see the bed of each page for additional important information. Sea your Cardmember Agreement Your Cardmernber agreement contains al to terms of you Account. Lost or stolen cards. Report immediately! Call 1800.347-2663. Bi" Roft Summary. In Case of Ems or Questions About Your 841: N you think your bill is wrong: or if you reed more information about a transaction on your bill, write a on a separate sheet of paper at Discover. PO Box 30421. Sal Lake City, UT 84130.0421. as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which to error or problern appeared. You can telephone us, but doing so will not preserve your rights. In you letter, give us the following information: Yaw name and Account number The dollar amount of the suspected error Describe the error and explain. it you can. why you believe there is an error It you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are nvestgeting. bur you are ssl obligated to pay to parts of you biz that are not in question. While we investigate your question, we carrot report you as delinquent of take any action to collect the amount you question. Spacial Rate for Craft Card Purchases: t you have a problem with the quality d goods or services that you purchased with a credit card and you have tried in good fain to correct the problem with the merchant, you may not have to pay the remaining amount due on to goods or services. You have this protection only often the purchase price was more than $50 and rie purchase was made in you home stale or within 100 miles of your mailing address. (N we own or operate ft merchant, or i we mailed you the advertisement for the good or services. all the purchase are covered regardless of the amount or location at the purchase.) Payments. Send only your payment and the top portion of the steoemia in am envelop provided. Do not send cash. By sending you check as described above, you authorize us to use information on your chuck to make and electronic pail transfer from you account at the financial institution indicated on you check or to process a* payment as a check transaction. t the payment is processed as an elecsortic turd transfer, to transfer will be far the amount of to deck. When we use information from your check to make an electronic fund transfer, kids may be onthdrawn from your account as soon as the same day we receive your payment, and you will not receive Yoko check back from you firenctal institution. The processing of you paymnd mnyhe delayed t you seed , Ji , Atespo Bence or other l:vns with your ps;venl it you send the payrnm d to any other address oV d you use an envelope otter than the one pmvded. Payments received in proper form atou processing featly by 5PM local time on any day wiA be creLkIW to your Aarount as of that day. Payments recerved at our processing facilely after 5PM local time will be credited to you Accent as of ate next day. I you have misplaced your envelops, send your payment to Discover, PO Box 6103 Card Stream. IL 60197-6103 Please allow 7-10 days or delivery. t your payment is retuned unpaid. we reserve the right to resubmit i as an electronic debt You can pay your minimum payment or a greater amount over fie telephone. and you can set ugh sutomeoc payments. Cal ors at 1800.3472683. You will need has statement and you bank account information. You must ensue that sufficient hods we available in you bank account, and all transactions must comply with U.S. law. You will be asked to Pravda to list 5 digits of you account statement 21P code. By entering those narbers as your electronic signature, you will be agreeing to trio authorization to allow us and you bank to deduct each payment you authorize from your bank account. and to intele debit or credit entries to your bank account. as applicable, to correct error in the processing of such payment You must all us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at lit three business days in advance of the scheduled paymert- You may notify us by phone at 1.800.347.2683 or by mad at the address listed in the previous paragraph. If your payments may vary in amount we will fell you on each norMy statement when you payment will be made and how much t will be. Your Auomatic payment amount may be less tan to indicated on the monthly statement based on credits or payments applied drug to biking cycle. Credit Reporting. We may report information abet you account to credit bureaus. Late payments, missed pxtynrems, or Oaer deterbe on you account may be reflected in you credo report. We normally report to status and payment history of your Account to credit reporting agencies each month. K you believe Viet our report is necauafe or nconptate. please wale us at to folmVg address: Discover. PO Box 15316, Wilmington, DE 19850-5316. Please include you name, address, home telephone amber and Account number. PERIODIC FINANCE CHAGES. Perak Finance Charges are imposed an all traaaC11a116 from the dale rie transaction is posted o your Accarut until the date you pay your entire New Balance, by rrakig payments or receiving credo However. we will provide the fotowi g ,.grace period' I you pad the New Balance on your pervious billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periods Finance Charges on new purchases that is, purchases first appearing on On statement Otherwise, you will receive a Wit; statement next monsh tat includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sat you transactions into groups of purchases, cash advances, and balance tarsiers and Ow pater sod the transactions within each group by tar Annual Percentage Rate. For example purchases subject k, a Pronatuonal rate and purchases subject to standard rate would be separate groups. We rely to these grays as transaction categories. At the end of each piing period, we rnmpute Periodic Finance Chagas for each clay d the Wing period for each transaction category. We use to following equation to compute Periodic for each transaction category Average Daily Balance x number of days n the btkg period x Daly Periodic Role. (See the finance charge summery on you statement for these amounts ) Then we add up Vic Perixk; Fi doce Charges for each Vansadcon category to get the total Peri ,tic Finance Charges of your Account The a,erage Daily BMan;;e is shown as zero if, because of t* grace period, no Periodic Finance Chagas apply to the balance in a vasacson category. We use to Average Daly Balance (including new trahsedions) method of calculating the balance upon which we impose Periodic Fiance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balancer in a billing period for a transaction category and dividing the total by the number of days in am biAN cycle. We compute to defy balance for each transaction category on each day by fist addsrg Me following to to pr into s days daily balance. transactions made duo day, ores charged to day and Perak Few" Charges accrued on that clay I a transaction is posted to your Account after to close of the biting penal in which it occurs, we wig treat the transaction as having occurred on the list day of are bitting period in which it is posted o your Account N (e?? Accart ere added b the sanded purchase transaction category w+ri the exrxption d Cash Advanx Transaction Fee Fihence Chagos whticn are added to the appiia61e mshahca vasecsah caagony and Balance Transfer Trensacton fee Fnaoe Chagafs whidn era aafded o the apptrable balance hanskr tansaclarh ceagay When the spools rata exp io t, we move to unpaid baleroe d se balance trarefer and to Belenrca Trerhsfer Transaction Fee Finance Charges o to sanded purchase transaction category. Fhowever, t the spuedel rata has beam lertnunaled urrdar th DefetM Rate (oleo. we leave tle uryeid belanc?e d the belernce trersfer aril the Balance Transfer 7rensaction Fee Fireroa Charges n to apptcalte Irenserkoru ntegory un0 M speael rent vvouW have expied. For TDD (Telecommunications Device for the DuQ assistance, call 1408.147444 Discover may monitor "or record telephone rats between you and Discover representatives for quality assurance purposes The Discover" cad is issued by Discover Bank, Member FDIC. OlTBK107 DISCOVER It py,b RICK HOOVER Account number ending in 2369 Announcing Pending Transactionsl You asked, we listened. Cordmembers can now view pending transactions onlinel Check your purchases in realtime to stay connected to your account like never before either online or using your mobile device. log in to your account at Discover.com from your laptop or your mobile device and see for yourself! 24012 D?fCO Bonk, Member FDIC Closing Dale: September 19, 2006 page 2 of 2 MIMCharge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FRNANCE FII ANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3869.27 0.04175% 15.24% V 15.24% $50.08 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (Fl or they may vary (V) as noted above. !Questions? Manage your account at Discover.com or ;call 1-800-DISCOVER (1-800-347-2683. DISCOVER New Balance Minimum Payment Due Account Number ending in 2369 $3,797.62 $75.00 _ Enter Amount Enclosed Below Payment Due Date $ November 18, 2006 Please make check payable to Discover Platinum Card or pay online a Discovercard.com. 19 SDSNSA01 0011507 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 111"'II'ssr" CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$Print changein space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228037976200076000007500 Discover Platinum Card Account Summary Closing Date: October 19, 2006 page 1 of 2 Account number ending in 2369 Previous Balance $3,825.57 Payment Due Date November 18, 2006 Payments And Credits 76.00 Minimum Payment Due $75.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available 202.00 $1 Balance Transfers + 0.00 Cash Credit Limit , $2,500.00 Finance Charge: + 48.05 Cash Credit Available $1,202.00 New Balance a $3,797.62 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Coshback Bonus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-8004DISCOVER (1-800.347-2683) to get your share of America's it Cash Rewards Program. How Can We Help You? I Visit Discover com to pay your b8 for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy selfservice M A anager ccount options or to speak with a Customer Service Please have your Discover Cord available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dole Date Payments and Credits Oct 15 Oct 15 PAYMENT THANK YOU $ .76.00 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation farm for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 606066613. 9415135 Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Discovercard.com provides you with the easiest online self-service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely e-mail reminders to help you avoid fees. Easy account management is just a click away) Register or keg in to Discovereard.com/registermyoccount 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 el*ions for you. Call 1.800-DISCOVER (1-800.347.2683) or visit Discovercard.com Important Irdwmatbn. It there is more than one page to this billing staterrent we the back of each page for additional mportant information. Sea your Cadmember Agreement. Your Cardmember agreement oonti nit d the terns d your Accamt. Lost or stolen cards. Report i medialely! Cal 1400-347-2683. BMM Rights Summary. In Case of Errors or Ouestions Abut Your Bill: If you link your bill is wrap, or it you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover. PO Box 30421, Sat Lake City UT 84130.0421. as soon as possible. We must hear from you no later than 60 days alter we sent you the 1rat bill on which to error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your tearer. give us the foYowng information Yea name and Account number The dollar amount of the suspected error Describe the ems end explain, d you can, why you believe lore is an error, If you need more inbmrstrort describe the tan you are u mains about. You do not have to pay any amount in question wdile we are investip", but you are Of obligated to pay tre parts of your bill that are not an question. While we nvesligate your question, we cannot report you as delinquent or take any action to poled to amoam you question. Special Rata for Credit Card Pumhas nt: t you have a problem with to gelty of goods or services that you purchased with a credit card and you have tried in good lash to correct the problem with the merchant. you may rot have to pay the removing amount due on dw goods or services. You hove this Protection only when the pudese price was more ten $50 and the purdnese was made in you hone stale or within 100 rules of your mailing address. It we own or operate tle merchant, or it we mailed you the advertisement for the good or se roes, all the purchase are covered regemless of the amours or location of to purchase.) Payments. Send only your payment and the tap paten of the statement in the envelop provided. Do not send cash. By sending your deck as described above, you authorize us to use mormailion on your check to make and eleclimm tend franster from your account at the financial hnstkfian indicated on you check or to process ft payment as a deck transaction. If the payment is processed as an electronic tend transfer, le transfer will be br the amount of to dhedt. When we use information from your deck b make an electronic fund monster, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not receive you cedt back tom you financial institution. Tie processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, l you send the payment to any other address or if you use an envelope outer ten dre one provided. Payments received in proper form at our processing facility by 5PM local line on any day will be credited to you Aocount as of that day. Payments maned at our processing tacky altar 5PM local time will be credited to yourAecount as of the next day. If you have misplaced your envelope. send your payment to Discover, PO Box 6103, Card Stream. IL 601978103. Please allow 7-10 days for delivery, t you payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay you minahran payment or a greater annum over the telephone, and you can set up automatic payments. Cal us at 1-800.3472683. You will need this sla emenl and you bank aaounl nformaton. You must ensue trot sufiiaert furls we available n you bank account, ant all transactions must comply with U.S. law. You will be asked to provde to first 5 dgib of you aaohnl statement ZIP code. By entering those scribers as your electronic sipeture. you will be agreeing to his authorization to slow us and your bank to deduct each payment you authorize tom you bank scraurnt and to nhtiete debit or credit entries to your bar* account, as applicable, to cared sror in the prarsis g of such payment. You must tell us do amour of each payment, at you can soled an avant such as Minimum payment Due or do New Balm" an each statement. You can cancel e payment, however we metal receive notice at bast tree business days in advance of to sdhedubd peymart You may toffy us by phone at 1400.347-2683 or by mail at to address tinted in to previous paragraph. if your payments may very in shout we will tell you on each maid stateneN when your payment will be made and how much s will be. You Automatic payment amount may be less then the indicated on the moot ly statement based on credits or payments applied dung the bitting cycle. Credit Reporting. We may report information about you account b credit burem Lab payments, mailed payments, or other delwb on you account may be reflected in you credit report. We normally report the, stains and payment history of you Account to credit reporting agencies each month. If you believe that our report is iecaaete or incomplete, please wale us at the following address: Discover. PO Box 15316. YPMnigton, DE 19&50-5316. Please iwlide you name, address, home telephone umber and Amount number. PERMIX FRUKE CHAGES. Periodic From Charges are imposed on all taeachora tan the daM the transaction is posted to your Account unit this date you pay you &Vm New Bstance, by no" payments or receiving credits. However, we will provide to folow?g'grace period' If you paid the New Balance on you pervious billing statement by the Payment Due Date shown on 1W stebment, and you pay to New Balance by to Payment No Dole on this statement we will col repose Periodic Fieoe Charges on new purchases, that is, purchases first appearing on In statement. Otherwise. you will receive a billing sbtement next month to includes Periodic Hence Charges on lhae new purchases. There s no grace period on batsnce travelers or cash advaoes. We sat you trasadiona rib groups d purdases, cash advances, and ballistics trertalas and ten how sal the tansackons within each group by their Annual percentage Rate For example purchases subyed to a promotional role and pudeses su bied b standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each bill" period, we ampule Parodic Finance Charges for each day of the billing period for each to sadhon category . We use to following equation to cor" Periodic for each transaction category. Average Daly Balahoe x mniber of days in the billing period x Day Periodic Rate. (See the mace dhage summery, on vour statement for dhese amounts ) Then we add up the periodic- Finance Charges for eau:h manseclan category to gel the total Periodic Finance Charges ix Account. I he arttiage Dai!y Bakince is shown as zero it, because of to grace period, no Periodic Finance Chagas apply b the balance in a transaction category We use to Average Daly Baler ce (including now re aachors) meted of calculating the balance upon which we wpm Periodic Finance Charges. We compute the Average Daly Balance for each transaction category by adding up at the daily balances n e billing period for a transaction category and dividing the loleh by the number of days in to biting cycle We compub to daily balance for each transaction category on each my by fast adding to blowing to the previous day's daily balance. tiaroactiae made that day, fees charged tat day and Pe hock Fiance Charges accrued on het day. t a transaction is posted to your Account after to close of the billing period in which s omes, we will beat the transaction as having occurred on to first day of to billing period n which 4 is posted to your AccanL AN te?? c? Anxcnrs are added b to stsdad pudese trartaadiorh category wish the exception d Cash Anfusnce Trahaadan Fee Fimrce Chagas hNidh are added b the e{hpl le cash erne tarhsaction category anted Balarhoe Transfer Tnstaectionh Fes Elects Chsges wfhich are added b the appliabie bdahoe harsia tranusactiorh category Whan Ina spapaf rata expires, war move to uurhpeid belenc?e of le Delerhce tratskr and the Boleros Traneler Trarsedion Fee Firana Charges b tle slendard purrchase transaction category tfouwvsr, A the spsdel rib has been brnhireled radar the Osleut Rob Plan, we leave the trhpaid balance d Ina beans transfer end the Balaroe Transer Trensacciah Fee Firece Chagas in the appihteble traneacticn mWcrY onol tle special cab wouN have expied. For TOD (Telecommunications Osvka for the DaQ assistance, all l4W347.7449. Discover may monitor adla record telephone ale between you and Oiscova mpresentislives for Waby assrarha purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER It poys to RICK HOOVER DMC ?OYER Account number ending in 2369 Announcing Pending Transactions! You asked, we listened. Cardmernbers 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 to your account at Discover.com from your laptop or your mobile device and see for yourself! I, 52012 Diuwv Bonk, Menber FDIC ?•rAti_ _.. .. Closing Date October 19, 2006 page 2 of 2 Hey, Juniorsl We are searching For outstanding high school juniors to apply for the Discover(R) Card Tribute Award(R) Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www.Discovorcard.com/tribute Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE PENANCE FINANCE Balances Rates RATES RATES CHARRGES CHARGES current billing period: 30 days Purchases $3836.14 0.04175% 15.24% V 15.24% $48.05 $0 Cash Advances $0 0.05751% 20.99% F 20.99% s0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. QU@StiOnS? Manage your account at Discover.com or call i-800-DISCOVER (1.800-347-2683) Now Balance Minimum Payment Due Account Number ending in 2369 DISCOVER $3,886.08 $151.00 -. Enter Amount Enclosed Below Payment Due Date $ 1 December 18, 2006 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $75.00. 19 SDSN6A01 0011508 RICK HOOVER Access and manage your account at www.Discover.com or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 111111111111111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print charge in space lnlrllu?rulrllnrlnlrlurllllurlrr1rr111 11u)nlrrlrlull above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228038860800000000015100 Discover Open Road Card Account Summary Closing Dale: November 19, 2006 page 1 of 2 Account number ending in 2369 Previous Balance $3,797.62 Payment Due Date December 18, 2006 Payments And Credits 0.00 Minimum Payment Due $151.00 Purchases + 39.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $2,113.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 finance _Charges _ + 49.46 Cash Credit Available $2,113.00 New Balance = $3,886.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March How Can We Help You? 1 Visit Discover.corn to pay your bit for no cost, view your latest Account information, *am and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-»rvice M anager options or to speak with a Customer Service Account Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $O Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Daam Other/M"oneous Nov 19 Nov 19 LATE FEE $ 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. However we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Balance Transfer offer far current billing period: Daily Periodic Rate: 0.04175%; corresponding ANNUAL PERCENTAGE RATE: 15.2496. Rate is subject to the terms of the offer including expiration. %111367ENTION *•***** ATTENTION ******* ATTENTION ******* ATTENTION ******* ATTENTION *******Your account is past due. Please pay the post due amount now, or contact us to make other arrangements. Cutback on mailbox clutterl Sign up for Paperless Statements and simplify the way you manage your account. We'II send you an e-mail as soon as your statement is available online. And, while you're at Dixovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Important Mfomsalion If tent is more wen one page to this Ming statement, see we bade d each page for addilionel important intimation. See your Cardmember Agreement. Your Cardnember agreement contains el the terms of you Arrant. Lost or stolen cards. Report nmediatehyl Cab 1400.347-2663. Billing Rights Summary. In Case of Errors or Questions About Your Bill: 9 you think you bill 6 wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of papa at Discover, PO Box 30121, Salt Lake City. UT 64130-0421. as soon as possible. We must hear Rom you no later than 60 days after we sent you the lest bib on which Ina era or problem appeared. You can telephone us, but doing so will not preserve you rights. In you latlar. give us the Wowing information: Your name all Account number The dollar amount of the suspected era Describe the armor and am#=, d you can, why you believe were is an error. If you deed more Idonn kirt, describe th , item you are unsure about. You do not have to pay any amount in question "we we nvesigBYg, bud you are sd obligated b pay #a parts of you bill that are not in question. While we investigate yea question, NIB cannot report you as delm*mt or take airy action to coned we amount you question. Sparta Rate for Credit Card Purchases: If you have a problem with the quality of goals or services that you pudmwd with a credit card amid you have tried in good With to correct the problem with the merchant, you Rey not have to pay the remaining amount due on the goods or services. You have this protection only when tha purchase price was more than $50 and the purchase was made in you done slate or within 100 Riles of you maifag addreae. (It we own or operate the merchant, or d we mailed you the adverkaerrrerA for the goat or services, all the purchase are covered regardless of the an curt or location of the purchase.) Payments. Send sly you payment and the top portion of we datemerl in to emebp provided. Do riot send cash. By sending your chock as described above, you authorim us to use kddrmafon on your check to mate and eledrouc lend tramler from you account at the tillamldal nstAudron indicated on you check or to process the payment as a check transaction. If the payment is processed as an eleararc lurid tranfer, the transler will be for the amount d the check. When we use nkmallon ion you check to make an electronic kind transfer, fuxis may be withdrawn nom your account as soon as the same day we receive you payment and you will net receive your dude back Rom you firhendal nsduton. The processing ul yocr payment nma;be delayed if you send cash m aitindence or other items with your 1j; ;m:nl. d you send the pa;lrort to any other address or it you use an envelope What wen the one provided. Payments received in proper form at our processing fiddly by 5PM local lam on any day will be credited to you Account as of that day Permits received at our processing faclily after 5PM local time will be credited b your Account as of that next day II you have m splaced you envelope, send you payment to Discover, PO Box 6103, Card Stream, IL 601974103. Please allow 7-10 days for delivery. If your payment is reomed unpaid, we reserve the right to resubmit A as an electronic debit You can pay you minimum payment or a grader arrant over the telephone, and you can set up &Amatid payments. Call us at 1$00-3472683. You will new this statement and you bank accent momhstron. You must ensue sea su aterit l nds are avdable in your bank account, and all tra sad ions must campy with U.S. low. You will be asked to provide we rest 5 dgRS of you account statement ZIP code. By ertsng those mantes as your abcfonc signature. you will be agreeing to this authorization to allow to and your bank to deduct each payment you oA haQe Rom you bale socoud, and to uWate debit or as* entries to you bank accout, as appkcable, b correct error in d* processing of such payment You must pal us the amount of each payment, or you can select an amount such as Miwnun Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled peyrr" You may rniy us by phone at 1.800-341.2683 or by mad at the address listed n the previous paagaph. K your Pays may very in amount we will Id you on each monthly statement when your payment will be made and how much A will be You Automatic payment amount may be less then the indicated on we montwy statement based on credits or payments applied dung sea tiling cycle. Creft Reporthhg. We may report intimation about you account b credit bureaus. Late payments, missed payments, or other defaults on you accent may be reflected in your credit report. We normally report we status and payment history of you Account to weds reporting agencies each month. If you believe to our report is iscaaate or incomplete, please write us at we bboaing address: Discover, PO Box 15316, Wiiftirgton, DE 198545316. Please include your name, address, home telephone aanber and Account number. PERIODIC F9dWE CNAGES. Periodic Finance Charges are imposed on all transactions horn the date the transaction is pealed to you Account until tte date you pay your entire New Balance, by making payments or receiving credits. However, we will provide tiro following'Wace period' It you paid he New Balance on your pervious biting statement by the Payment Due Dale shown on that statement. and you pay the New Balance by the Payment Due Date on this statement we wit not impose Periodic Finance Charges on new purchases. that is. pudases last appearing on this stalanent. Otherwise, you will receive a biting statement next month that includes Perak Harm Charges on those new purchases. There is no Waco period on balance lrenslars or cash advarmcea. We sad you trensad ors into groups of purchases, cash advances. and balance Randers and wan kirwer sat ire transactions within each group by their Annual Percentage Rau. For example purchases s bi to a promotional rate and purchases subject to stadad rate would be separate grails. We refer to these groups as transaction categories. At the end of each bill" period, we compute Perak Finance Charges for each day of the biting period for each transaction category. We use the Wow" equation to compose Periodic for each Iansecton category Average Daly Balance x number of days in the tilting period x Daly Parade Rate. (See the finance charge summary on you statement its these amounts.) Then we add up the Periodic Finance Charges la each trarrucion category to gel the total Periodic Finance Charges for you Account The average Daly Balance is shown as zero it. because of the grace period, no Periodic Fiance Chagas apply to the balance in a transaction category. We use to Average Daly Balance (including new trasacions) method of calculating the balance upon which we impose Periodic France Chagas. We Canpule to Average Daly Baler" fa each transaction category try adding up at the defy balan= in a billing period for a transaction category and dividing the burl by the umber of days in the bibig cyder. We cor" we day balance for each transaction category on each day by first adding the Wowing to we Previous day's daily balance, tersecio s made that day, fees charged that day end Pe iodic France Chargee accrued on Not day. If a transeain is posted to you Account after the dose of the bAlig period in whiar A occurs, we will treat to transaction as having occurred on the its( day of the bit rig period in which it is posted to yourAowunt. Apr Account tiro added o the rAaridard purcase Uansaction categaywAh tits excepion d Cash Advance Trensatfion Fee Fnace Charges which are added o ence transaction cebgory aid Belerrcs Trasler Trarsaciat Fea Finance Chagas which are added o the appticahle belaoe Irenster trarhssction category. Wtan the speaa tab a piss, we trove the onpeid balerce d the balennoa transfer end the 1lelance Trorsler Trnsaction fee Fnanm Gorges b the standard purdase transactor category. Flowevsr, t tlhe special rat has been tenrNuered under sea Osfauft Rant Plan sea Nave Ins unpaid balance d the balance transfer end the Balance Trarsfa Trensadion Fee Firarce Charges in tte apptimble trenseciorh caregay sell the apedat cab rwoub have ezpied. the For TOO (Telecommunications Device for the Mal) assistance, cd 1400-147-7449. Di cover may morAot andlor record telephone calls between you arid Discover representatives for quality assurance Purposes The DNcovW mud is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER ' It pays to --._D15CQY K Announcing Pending Transactions! You asked, we listened. Cordmembers can now Vi&W pending transactions online! Check your purchases in realtime to slay connected to your account like never before either online or using your mobile device. Log in to your OCCOUnt at Discover.com from your laptop or your mobile device and see for yourself! RICK HOOVER Account number ending in 2369 52012 Diuovat Bank, M.6& FDIC ., 1 Closing Date: November 19, 2006 page 2 of 2 ?F"I F?cCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE BokkKo s Rates RATES RATES CHARGO CHARGES current billing period: 31 days Purchases $3821.50 0.04175% 15.24% V 15.24% $49.46 $0 Cash Advances $O 0.05751% 20.99% F 20.99% $0 $0 'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. ;Questions? Manage your account at Discover.com or ;call 1-800-DISCOVER (1.800-347.2683). DISCOVER New Balance : Minimum Payment Due i Account Number ending in 2369 $3,898.14 $153.00 Enter Amount Enclosed Below Payment Due Date $ 1 - January 18, 2007 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $76.00. 19 SDSN6A01 0011509 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile prone. PO BOX 71084 Illrrrllrrrrsgill rlrrllrrrl CHARLOTTE NC 28272-1084 Address, email or telephone changes Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228038981400075000015300 Discover Open Road Cord Account Summary Closing Date: December 19, 2006 page I of 2 Account number ending in 2369 Previous Balance $3,886.08 Payment Due Date January 18, 2007 Payments And Credits 75.00 Minimum Payment Due $153.00 Purchases + 39.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $2,101.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges T -+ 48.06 Cash Credit Available $2,101.00 New Balance $3,898.1 A You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March Help You? How Can We He view ur I Visit Discovercom to pay your bit for no cost, latest Account information, earn and redeem ra=J,0and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service A t M S ccoun anager ervice options or to speak with a Customer 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. s. Post Da Deft Payments and Credits Nov 21 Nov 21 PAYMENT THANK YOU $ -75.00 other/Miscollaneaus Dec 19 Dec 19 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04175%; corresponding ANNUAL PERCENTAGE RATE: 15.24%. Rate is subject to the terms of the offer including expiration. 9415135 "` ATTENTION Your account is Rast due. Please pay the past due amount now, or contact us to make other arrangements. Cut back on mailbox clutterl Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an email as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Important Information. If there is nave than one page to ties billing statement, see the beds of each page for addaional important information, See your Cardmember Agreement Your Cardmember agreement contairn all the terms of your Account. Lost or stolen cords. Report immediately! Call 1804347-2683. Bitting Rights Summary. In Case of Errors or Questions About Your SO: If you Link your bill is wrong, ail you need more informal about a transaction at your bit, wile us on a separate sheet of paper at Dscover. PO Box 30421, Salt Lake City. UT 841340411, as soon as possible. We rust hear from you no later than 60 days after we sent you the first bill on which the aria or problem appeared. You can telephone us, but doing so will not {reserve your rights. In your later. Ova us the folowlrlg rdamatlon: Your name and Account number The dollar amount of the suspected error Describe the era and explain, it you can, why you believe there is an era. H you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are aid obligated to pay the pars of your b* that are not in question. While we investigate your question, we cannot report you as delinquent or Its any action to celled the amount you question. Special Rork for Credit Cud Purchases: If you have a problem with the quality of goods or services tat you purchased with a coedit card and you have vied in good With to correct the problem with the merchant, you may not have to pay the remaining amount due on le goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in you horse stale or within 100 miles of your mailing address. (If we own or operate the merchant, or t we meted you the advertisement for the good or serwces. at the purchase are covered regardless of the amount or location of to purchase.) Payments. Send only your payment and the tap portion of to statament in the envelop provided. Do not send cash. By serxling your check as described above, you authorize us to use Worm Lion on your duck to make and sleWork tend transfer from your account at to financial iamu bon indicated on you chock or to process tle payment as a deck transaction If to payment is processed as an electronic kind transfer, the transkr will be for the amount of the dodo. When we use information from your dads to make an electronic tend transfer, funds may be withdrawn from your account as soon as fie same day we receive your payment and you will not receive your tack back from your financial institution. The proossing of your payment maybe delmyed if you send cash, :orresporidence or other items with your payrteM, if you wM the paymenl in any other address or f you use an envelope other tan the one provided. Payments received in proper form at our processing facility by 5PM local fma on any day well be credited lo you Account as of that day. Payments received at our processing ladkty after 5PM local time wig be credited to yourAccoart as of the next day. I you have misplaced you envelope, send your payment to Discover, PO Box 6103, Card Screen. IL 60197b103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve In right to resubmit it as an electronic debt You can pay your in . payment or a greater amount over to telephone: and you can set up automatic payments. Cell us at 1-8043472683. You wig reed the statement and yon bank aoomt information. You must ensure that sulfncMd finds are available in your bank account. and all transactions must comply with U.S. law. You will be asked to provide to feat 5 digits of you account statement ZIP Dods. fly entering tlnose ambers as yam ebaroric suyature. you w l be egraeig o his authorization a altar ce and you bank to deduct each payment you authorize from your bank aocatrml, and b irilfete deft a aedir entries b yea bent acceonl, as applicable, b caved era n tlo processing of such payment. You must leg us to amount of each payment a you can select urn amours such Afihinum Payment Oue a the New Balance on each statemont. You nth cancel a payment however we must receive notice at least tree busies days n edvarlce o(the achedued payment You may notify u6 by phone al 1800 347-2683 a by mail at the address listed in to previous paragraph I your payments may vary n artaurN we wig tag you on each nmorltlly SlalelretN when ytxr payment wit le made ant how much it will be. Your Automatic payment amount may be less tan the ndaoted on to rhontly strhenhont based on credik a payments epptied tkrig tlne billing cycle. Credit Reporting. We may report information about your account to credil bureaus. Late payments, missed parents. or other dofeuhs on your account may be reflected in your credit report We normally report the status and payment history of your Aaaurht to credit reporting agencies each math. If you believe that our report is inaccurate or incomplete, please write (s or the following address: Discover, PO Box 15316, Wdmrgton, DE 19850-5316. Please include your name address: home telephone number and Account number. PERKMIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions ken the dole the transaction is posted to your Account until the date you pay your entire New Balance, by making payments or teceiving credits. However. we will provide to felbwrg `grace period' If you pad the New Balance on your pervious biYrg statement by the Payment Due Dale sawn on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Fiance Charges on new purchases, tat is. purchases firs) appeariti on ttis statement Otherwise. you will reserve a biting statement next month that includes Periodic Finance Charges on lase new purchases- There is no grace period on balance transfers or cash advances. We sat your transactions into groups of purchases, cash advances, and balance transient and then further sat the transactions wlltin each group by theirAntwal Percentage Rate. For example purchases subied to a promotional rate and purchases subbed to standard rate would be separate groups. We refer to these grails as transaction categories. Al the end of each billing period, we oompu s Periodic Finance Chagas for each day of to biting period for each Iansacoon category. We use the lokmi g equation to oompue Periodic ter each transaction category. Average Doty Balance x comber of days in the biting period x Daly Periodic Rate. (,See the lance charge summary on your statement for twse amounts) Then we add up the Periodic Fiance Charges for each transaction category to gel the otel Periodic Fmwrox (`Km ge- foi it s Account Tt a,- rage Daily Balan< is show as zero f. because of de grace period, no Periodic Fiance Charges apply b the balance in a transaction category. We use to Average Daily Baler" (including new trensactom) mel od of calculating the balance upon which we impose Periodic Fiance Charges. We conpule the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period lor a transaction category and dividing the total by the number of days in the biting cycle We compute the dahy balance for each transaction category on each day by fret adding to fagaaing to the previous day's daily balance. transactions made thal day, fees charged tlot day and Periodic France Charges ac rued on tat day. I a trarosebom is posted to you Account after the dose of the bbq period in which it occurs, we will treat the transaction as having ocwned on the lost day of the bilging period in which t k posed to your Account. All f ?' edv Account are added to tle standard purchase transaction celegay with to exception of Cash Advance Transaction fee fiance Charges which are added to l o appkable cash am transactia category and Baleroe Transfer Transaction Fee Finance Charges which are added to to applicable balance transfer transaction category When the spent rue expires, we move the unpaid balance of the balance Iansfer and the Balance Transfer Transacbn Fee Finance Charges to to standard purchase transaction category. However, if the special role has been terminated under the Default Rele Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable hansacion cow" until to special rate would have expired. For TDD (Taecommunicadons Device for the Deal) assistance, call 1-MUM"ll. Discover may mntor andbr record telephone calk between you and Discover representatives fa quality assurance purposes The Dscover' card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER tD=O-V R Account HOOVER ending in 2369 Announcing Pending Transactions! You asked, we listened. Cardmembers can now VICW Mending - transactions online! Check your purchases in reoltime to stay connected to your account like never before either online or using your mobile device. Log in to your account at Discover.com from your laptop or your mobile device and see for yourself! .4:2012 Gsco Bank: Member FIX Closing Dols: December 19, 2006 page 2 of 2 t Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balan c Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3836.77 0.04175% 15.24% V 15.24% $48.06 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 'The rates that apply to your Account are either fixed (F) or they may vary (V) as rated above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1.800-347-2683). DISCOVER New Balance Minimum Payment Due 1 Account Number ending in 2369 $3,594.42 ` $71.00 Enter Amount Enclosed Below Payment Due Date $ February 18, 2007 please make check payable to Discover Platinum Card or pay online a iscovercard.com. 19 SDSN6A01 0011510 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 rr CHARLOTTE NC 28272-1084 Address, e-mail or telephone change; Print change in space 1111111n1loll 11111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228035944200200000007100 Discover Open Road Card Account Summary Closing Date: January 19, 2007 page 1 of 1 Account number ending in 2369 Previous Balance $3,898.14 Payment Due Dot* February 18, 2007 Payments And Credits 351.00 Minimum Payment Due $71.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $2,405.00 Balance Transfers + 0.00 Cash credit Limit $3,000.00 Finance Charges + 47.28 Cash Credit Available $2,405.00 New Balance = $3,594.42 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashbock$onua Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to got your share of America's #1 Cash Rewards Program. How Can We Help You? 1 Visit D'scover.com to pay your bM for no cost view your and more latest Account information, earn and redeem now'. w It's your choice - 3 Ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy sell-service Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Payments and Credit Dec 21 Doc 21 PAYMENT THANK YOU Jan 1 Jon 1 PAYMENT THANK YOU $ 151.00 .200.00 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. Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE ? E JO)QRates RATES RATES CHARGES ? _ current billing period: 31 days Purchases $3652.59 0.04175% 15.24% V 15.24% $47.28 $0 Cash Advances so 0.05751% 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important kdormrtbn if two is more than one page to fins bNeg statement, we the back of each page for additional important nbrrnabon. See your Cardmembef Agreement. Your Cardmernber agreement contains el the Mmes of you Account. Lost or stolen cards. Report immediately! Cal 1-000.347 2683. Bling R1ghe Summary. In Case of Errors or Quessm About Your Bill: 9 you Oink your bill is wrong, or 0 you need more inltrmatian about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 841304421. as soon as passible. We must hear from you no later than 60 days a11er we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter. give us to folowi g information: You name and Account number The dollar amount of the suspected error Describe the error and explain. if you can, why you believe there is an error. If you reed more information, describe the item you are unsure abed. You do not have b pay any amornt in question while we are investigating, bid you are still obligated to pay the parts of your bD that we not in question. While we investigate you question, we cannot report you as dekrpueM or take any action to tolled the amourd you question. Special Rate for Credit Card Purchases., 9 you hove a problem with the quality of goods or servion Met you purchased with a credit card and you have thed in good leAh to cared the problem with the merchant, you may not have to pay to remaining amid An on the goods or services. You have this protection only when to purchase price was more than $50 and to purchase was made in your hone state or *Wm 100 miles of your making address. l8 we awn or operate the merchant, or it we mailed! you the advertisement for the good or services, all to purchase are covered regardless of the smoua or location of I he purchase) Payments. Seth tidy yak payment aril to bP tle seenrhent n qo envelop provided. Do not send ash. BY sending you deck ea daecribed above. you autlmaae us tinemhid rsmhaorm irhdcaned on your heck or o process tle payment as a chheck b use ntomation on you check b make t:& tle payment s paxssed n id transfer, to transfer coil be for to anakrt of to check. When we use inlornhe0orh from yak deck b make an transaction. if electivric fund transfer, furls may be withtrawn acocunt es soon n the sa a ley we recdw your payment, and you w l M receive you clad loot from yea Handal institution. The processing of you payment nhayte delayed t you send cash ccfre;pondenu or other items with your paytimil, d you send die payrncnl to any ntrem address a if you use an envelope other Mande one provided. Payments received in paper form at our processing facility by 5PM local Wre on any day wS be aedted to your Account as of that day. Payments received at our processing facility alter 5PM local time wing be credited to yourAccourht as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103. Card Stream. IL 601974103. Please slow 7-10 days for delvery. If your payment is returned unpaid, we reserve the right to resubmit t as an elearonic debt You can pay your nwnimun payment or a greater amount over the elephant, and you can am up automatic payments. Cal us at 14"72683. You will reed this statement and you bank aooourd ntamalion. You must ensue that suff cienl finds are available in you bank account, sal all transactions must comply with U.S. law. You will be asked to provide the fret 5 digits of you account statement ZIP code. By entering these rrrnbers as your electronic *rid=. you will be agreeing to the sugbrizeuon b allow in and you bank to deduct each payment you authorize from your bank account. and b mibee debit or credit entries b you bank account, as appkcable, b cared ens in the processig of such payment. You met el is do amount of each payment, or you can select an amour such as Miwnum Payment Due or the New Balance on each statement. You con cancel e payment, however we must receive notwe at best ghee business days in advance of the sdwduled payment. You may nolify us by phone at 14IW347.2683 or by mat at it* address teed in the previous paragraph. If you payments may vary in mount we will NO you on each mot" statement when your payment wil be made and taw mach it w9 be. Your Automatic payment amount may be less than the ndieabd on the monthly statement based on credits or psyrrenls applied dung to billing cycle Credh Reporting. We may report inyarmsem about your account b credit bureaus. Lab payments, missed payments, or other debults an you acmum may be rellecled in your credit report. We nomelly report the status and payment history, of you Amount b credit repoorg agendas each month. K you believe that our report is inaccurate, or incomplete. please write us at the following address: Discover, PO Box 15316, Wiiknigbn, DE 198505316. Please include you name, address, tame telephone number and Amount amber. PERIODIC MOCE CHAGES. Periodic Finance Charges are knhpcead an al transactions from des dab the transaction is posted to your Account until the date you pay you arena New Balance, by making payments or receiving aedikr. However, we will provide to following "pus period' II you paid the New Balance on your pervious bidig statement by the Payment Due Date shown on Mat staler enl, and you pay the New Balance by the Payment Due Dee on this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement. Otherwise, you wig receive a billing easement next nenih that includes Periodic Finance Charges on those new p rc ase& Them is no grace period on balance transfers or cash advances. We sat your transactions into groups of purchases. cash advances, and balance tmmlers and den further sat the transactions widen each group by their Annual Percentage Rate. For example purchases surbjed to a promotional rate and pkrdhssn a*d to standard rate would be separate groups. We mW to these groups as transaction categories. At to end of each billing period. we compute Periods Finance Charges for each day of to bit" period for each tianseclion category. We use Be Mowing equation to compute Periodic for each transaction category Average Daly Balance x rurrber of days in the billing period x Daly Penodc Rae. (See the finance dirge summary on your statement for Mass amounts.) Then we add up the Periodic Finance Charges ter each bansection category to get the bast Periodic Finance Charges for you Account The average Daily Balance rs shown as zero it, because of the grace perod, no Peniodc Fiance Charges apply b the balance in a transaction category. We use to Average Deily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Fiance Charges. We compile de Average Daily Balance for each hersadan category by adding up al the daily balances in a Ming period for a trarsactim category and dwdng the total by the amber of days in to billing cycle. We compute to daily balance for each I m iscson cal igay on each day by final adding the ebwig to Me previous day's daily balnoe. transactions made Met day, fen charged that day end Periodic Finance Charge accrued on Mat day. K a sannacton is posed to you Account after to close of the billing period in which t occurs, we wig teat the transaction as having occurred on the first day of to biling period in which l is posted to you Acoout. Ar Accord taro added b to afardard purdasa transaction category with the exception of Cash Advance Trersa xiah Fa Finance Cherga wsch are added b tha once tansediah category ant Betenc?e Trarnlef Trereaction Fee Fierce Clsrgea conch are eddad b des appliable balance aasfih tranaedion category. When its spettiel rasa expires. we move Me raped belarce d Me balance truster and Me Balemoe Trenafer Trensecfion fee Fiance ghwges to the slarderd purdese Uarsection category. However. t de special rate tas been lermiaed order Me Default Rae Plan, we bave des unpaid talarxa d ilia belanc?e tranater and tha Balance Trarhslsr Trartsaction Fee finance Charges n the appkcabb tiersactiomh categamy arid tle special rote would have expiad. For TDD (Telecommunications Device for the Deaf) assistance, call 1-800.341.7449. Discover may monitor "or record telephone cats between you and Discover represe ru6ves for quality assurance purposes The Discover' card is issued by Discover Bartz, Member FDIC. O1TOK107 Now Balance DISCOVER $3,540.48 19 SDSN6A01 0011511 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due Account Number ending in 2369 $70.00 Enter Amount Enclosed Below Payment Due Date March 18, 2007 Please make check payable to Discover Platinum Card or pay online 6 Discovercard.com. Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, II-mail or telephone charge? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228035404800100000007000 Discover Open Road Card Account Summary Closing Date: February 19, 2007 page 1 of 1 Account number ending in 2369 Previous Balance $3,594.42 Payment Due Date March 18, 2007 Payments And Credits 100.00 Minimum Payment Due $70.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $2,459.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges 46.06 + Cash Credit Available $2,459.00 New Balance _ $3,540.48 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: March Cashback Bonus Balance $ 50.39 CONGRATULATIONSI Your Cashback .BonUS(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? I Visit Discover com to pay your 68 for no cost' view r latest Account information, earn and redeem rewards and more 'It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 'Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, -For TDO (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. u Dow le Payments and Credits Feb 2 Feb 2 PAYMENT THANK YOU $ 100.00 :Information For You Balance Transfix offer for current billing period: Daily Periodic Rate. 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rafe is subject to the terms of the offer including expiration. roldirLINNOW5 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic CENTAGE PERCENTAGE FINANCE FUNCEE PE PE ss Bolcic Ratei current billing period: 31 days Purchases $3558.75 0.04175% 15.24% V 15.24% $46.06 $0 .Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 ;The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Inporlad Information. I there is more than one page to to billing slaMment, we the back of each page W additional important inkannabon. See your CardmemberAgreement. Your Cerdmember agreement contains d the lams d your Account. Lost or stolen cards. Report immediately! Col 1700.'i17-2663. Billing Rattle Summary. In Case of Enos or Ou esuonsAboul Your Bill: Ifyou think your bill is wrong, or if you need more information about a transaction on your bill, write ms on a separate sheet of paper at De cow, PO Box 30421, Sol Labe Ciy, UT 81130.0121. as soon as pourbie. We must tow from you no WW then 60 days after we sent you the irsl bill on which the efrar or problem appeared. You can telephone us, but doing so wile not peserva your rights. In your later, give us tte fob" information: Yoh now anti Account number The dollar, m mom of the suspected an% Describe the am and explain, it you can, why you bass we there is an error. If you need more inkirmation. describe the item you are unsure abort. You do not have to pay any arnourd in question white we are investigating, but you are ad obligated to pay the pub of your bit than are not in question. While we investigate your question, we cwM report you as delinquent or take any scam to collect to amount you question. Special Rase for Credit Cad Purchases: t you have a problem with the quatry, of goods or sovion that you purchased with a credit card and you have triad in good faph to correct the problem with the merchant. you may not haw to pay the remrnwrg woo due on the goods or services. You reeve this protection only when the purchase price was more than S50 and the purchase was made in your home state or wilhn 100 miles of your making address. (t we own or operate the merchant. or it we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or localim of the purchase.) Payments. Send only your paymard and the by portion of the statement in to envelop provided. Do rid send rash. By saufrg your check as described above, you authorize us to use idorma4on on your check to make and electronic fund trertefer from your accord at the financial institution ihdiceled on your d" or to process the payment as a check transaction. If the payment is processed as an electronic kind trarsler, that Vat nster will be for go amount of the check. When we use information Irom you check to make an electronic kind transfer. funds may be withdrawn from you account as scan as the same day we receive your payment, and you will no receive your check back horn you knamul institution. The procecsirg of your payment maybe delayed ,4 pu send cash. mnespordem:e or other items with you payment, if ycu send the payment b any utter address or if you use an envelope other then ate one provided Payments received in proper form at our processing facility by 5PM kraal ume an any day will be credited to yourAccoum as of to day. Payments received slow processing facility after 5PM lhcal4me od be credited to yourAcooum as of the nail day. 9 you have misplaced your envelope, send your payment to Disown, PO Box 6103, Card Stream, IL 60197-6103. Please show 7-10 days for deBvery. If you payment is returned unpaid, we reserve the right to resubmit it as an electronic debt. You can pay you minim nh payment or a greater amount aver the telephone. and you can set up automatic payments. Col us at 1400.3172683. You will need this statement and your bank account idonmation. You must ensue that su8idert lends are avelable in your bank account. and d transactions must comply with U.S. Inv. You will be asked to provide the first 5 digits of you account statement ZIP code. By staring those numbers as you eMdoric signature. you w0 be agreeing to to authorization to slow us and your bank to deduct each payment you authorize from your bank accoti nt, nd to rvbg* debit or credit entries to you bank account, as applicable, to caned error in tin processing of such POYMM. You must sell us the WNW of each payment, or you can select an arrant such as Mi timrn Payment Due or to New Balance on each statement You an cerwel a paymroM, however we must mom" f10 . at oast has bainess days in advance of the scheduled! payment. You may natty to by plane at 1-600.317.2583 or by mail a the address listed in the previous paragraph. If your payments may vary in errant we will lot you on each mlartny statemadwhe n your payment will be made and how much A will be. You Automatic payment amount may be less than the indicated on that monWy statement based on unlit or payments applied during the billing cycle. Credit Reporting. We may repot Wanhetim about your sooDnt b credit bureaus. Lab payments, missed payments, or other dehuts on your account may be reflected in your credit report. We ncrmaly report the status and payment history d you Account to credal reporting agencies each nand. If you believe that w repot it inaccurate or incomplete, please write us at the following address: Discover. PO Box 15316, Wilmrglon, DE 19850-5316. Please include yw name, address, Iame tetephon a number and Amur rot number PERMK FINANCE CHAGES. Periodic From Charges are imposed on all karwr9orhs from to den the transaction is posted to your Account until the doe you pay your amine New Balance, by making payments or receiving credta. However, we veil provide to lotawtrg "pace period- If you paid the New Balance on your Pervious billing statement by IN Payment Due Date shown on that stelemad, and you pay the New Balance by tea Payment Due Dote on this staement we will not impose Periodic Finance Charges on new purchases, that is, purchases fast appeaig on this statement. Othewiee, you will feceive a billing statement nod month that includes Periodic Finance Charges on those new pumheiss . There is no grace period on balance bursters or cash advances. We sat your transactions trdo groups of purdheses, cash advances, and balance ba sW and than lather sat the transactions w San each pap by theirArmor Percentege Rate. For example purchases sub)ed to a promotional tale and purchases subpd to standard rate would be separate groups. We rafar to tteee groups as transaction categories. Al the end of each b0ing period. we oorpula Periodic Finance Charges for each day of Be billing period far each irensaclon category. We use the ldawing equation to oonpde Peradc for each transaction category Average Daily Balance x number of days in the bating period x Deily Penoda Raw. (Sae the finance change summary on your statement to areas amkxmhc 1 h r v+ vii u r• •bc Finance for rec9h bensmdid)n relegosy to gal the total Periodic Finance Chagas for your Aonount The average Daily Balance is shotin as zero m, because cf tre pace period, no Periodic Finance Charges app:y to the balance in a transaction category. We use the Average Daily Balance (nckktrg new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges, We compote the Average Daily Belem for each kansadan category by adding tip d the day balances in a Ming period for a bansecUOn category end &Adi g the bfal by the nanber of days in the Wig cycle We compute the daily balance for each transaction category on each day by fret adding the fat0warg to that previous day's daily balance. transactions made that day, lees charged that day and Panda Frterce Charges sorbed on that day M e kauecbm 5 posted b your Accord after the dose dthe br krg period n W%c h d o=re, we win treat the barsacbm as having occurred on the hat day or the billing period in which d is pouted to ywAaard. AM urn( are added b the standard purchase transaction category with the exception of Cash Advance Transaction Foe Finance Charges which are added to the Si{oa paouecton category and Balance Trwhr Aansectim Fee Financelgnrges which are added b the applicable balance tianshr trantectiah category When the special rate expires. we nave tie upad balance of the balance transfer and the Balance Transfer Transaction Fee Hair Charges to the standard purchase trasedon category . However. if the special me has been terminated under Be Dena It Rate Plan, we leave the aped balance of the balance trawler and tte Balance Trensler Transaction Fee Fiance Charges in the applicable transaction category udt the special rate would have expired. For TDD (Teleconanurdcations Device for the Deaf) assistance, call 1141110-347-7440. Disower may momta andbr record telephone cols between you and Discover representatives for quaky esst-- purposes The Discover" card is issued by Discover Bank, Member FDIC.' " OtTBK107' New Balance ! Minimum Payment DISCOVER $3,511.78 $70.00 - Payment Due Date April 18, 2007 Due j Account Number ending in 2369 Enter Amount Enclosed Below $ Please make check payable to Discover Platinum Card or pay online Discovercard.com. 19 SDSN6A01 0011512 RICK HOOVER Access and manage your account at www.Discover.com or visit m.discover.com 1190 NEWVI LLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 Illrrrllrsrsrrlllrlrrllrrr) CHARLOTTE NC 28272-1084 Address, e-mail or telephone change4 Print change in space InIrIlnlnrlrllrnlnlJnrllllurlululullnlnlulJull above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228035117800070000007000 Discover Open Road Card Account Summary Closing Date: March 19, 2007 page 1 of 2 Account number ending in 2369 Previous Balance $3,540.48 Payment Due Date April 18, 2007 Payments And Credits 70.00 Minimum Payment Due $70.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $2,488.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges 4130 Cash Credit Available $2,488.00 New Balance $3,511.78 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonuse Anniversary Month: March How Can We Help You? 1 Visit Discovercom to pay your bi for no cost, view r lotest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8004DISCOVER (3472683) 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 at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $t) Fraud Liability Guarantee U. your Discover Card with confidence. Trans. Post Dore Date Payments and Credits Mar 9 Mar 9 PAYMENT THANK YOU $ -70.00 Information For You Get the flexibility of a home equity credit line with the certainty of a Fixed-rote loanl The new Discover Home Equity Line of Credit is guaranteed never to increase more than 1.50 percentage points over your initial rate during the first 5 years. Apply online at Discoverhomeloons.com today. Pit"' C urge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba cos Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $3532.95 0.04175% 15.24% V 15.24% $41.30 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 SO The rates that apply to your Account areeither fixed (F) or they may vary (V) as noted above Manage your account your way - whetter - you prefer to speak with a live person or manage it on your own, Discover(R) Card has the right account management .pfions For you. Call 1-800-DISCOVER (1-800.347-2683) or visit Discovercord.com Important 4donnatlon. It there is more than one page to the big statement. see fie hack of each page for adMional important information 00 See your Cardnarrbeer Agreement Your Cerdnerrhber agreement arblaaks all the lamas of you Account. rn Z Lost or stolen ardor. Report nanediately! Cal 1-000-347-2683. o Bulling Rights Summary. In Case of Errors or fps About You Bill: M you funk yaw big 6 wrong, or if you reed more nkxmallon about a transaction on your bml, wale us on a seperare sheet of paper at Discover, PO Sox 30421. Sak Lake Ciy, UT 84130-0421. as sum as possible. We must hear from you no later then 60 days after we sent you the first loft 00 on which the error or problem appeared. You an telephone us. but doing so wig not preserve your VA. In your fetter. give us the following nbrmsaon N • Your name and Account number The dollar amount of the suspected error Describe the error and explain. it you an. why you believe tore is an error If you need more Womtalion, describe the hem you are unsure about. You do chat have to pay any amount in question while we are investigating, but you are sell obligated to pay the pads of your bill tort are not in question. Wide we investigate your question. we cared report you as dekrpuent or take any action to coped the amount your question. Special Rate for Credit Card Purchases: t you have a problem with to quality of goods or services that you purchased with a credit card and you have laced in good faith to cared the problem with the merchant. you may not have to pay the rema ning amount due on to goods or services You, have he protection only when the purchase price was more than $50 and to purchase was made in your home stale or within 100 roles of your mailing address. (t we own or operate the merchad, of d we mailed you the advertisement for the good or services, all the purchase as covered regardless of the arrant or location of the purchase.) Payments. Send only you payment and the by portion of to statanart in to envelop provided. Do not send cash By sending your dock as described above, you aut hom us our deck to make and electronic lead transfer from your account a the francial mmuton irdicaated on you deck or to process to payment as a check to use information on y transaction. R to payment s processed as an elecbahic kid transfer, the tams will be for to amount of the dheck. When we use tdorrraton from your check to mare an electronic fund transkr, kinds may be w0drawnn from your axauM as soon as the sane day we receive your payment, and you will rat receive your check back from your Manual i Killion. The processing of your payment maybe delayed t you send cash, correspondence a other ikons with your parent, if you send dir payment b any other address or if you use an Payments recerved in paper form at our processing Wily by 5PM local lime on any day will be credited to you Aamnt as of tat day. rovided r tun to one l th . p ope o e enve Payment received at our processing facility after SPM kcal time will be credtad to youurAccart as of the next day. l you have misplaced your envelope. send your payment to Discover, PO Box 6103. Carol Stream. IL 601976103. Please slow 7-10 days for delivery. If your payment a returned unpaid, we reserve gal right to resubmit n as an electronic debit. You can pay you nwtmum payment or a greater amount over to telephone, and you can am up automatic peymenit. Cal as at 1MD-3472683. You will need this steamed and you bank accent i lomhahon. You must arms tal sufficient lends are eva labfe in you hank account. and all aarmaceahs must comply with U. S. low. You will be asked to provide to fret 5 dgts of you account statement ZIP code By entering those numbers as your electronic signature. you will be agreeing to this authorization b allow us and your bank to deduct each payment you akihorize from you bank account, and b iobete debit or credit erltrkt to your bank aceouni. as applicable to correct error in the processing o(such payment. You neat let us the amount of each payment, of you can select an amour such as Minimum Payment Due or de New Balance on each statement. You can cancel a payment lovever we mural receive rata at least tree business days or advance of the scheduled payment. You may notify us by phone at 1.80347-2683 or by mad at the address listed in to previous paagrajoh. t your payments may, vary in arrow we will let you an each monthly statement when your payment will be made and how much it will be. Yam Automatic payment amount may be lets then the radiated on the monthly statement based on credits or payments applied dung tre biting cycle Credit Repordng. We may report information about your account to credt bureaus. Late payments, missed psymerts, or other do* & on you account may be Wooled in your credit report. We normally report the smtus and payment history of your Amart to credit reporting agencies each month. B you believe that our report is inaccurate or incomplete. please write us at the following address: Discover. PO Box 15316, Wilmington. DE 198505316 Please include your name, address, hares telephone number and Accent n unto. PERIODIC FINANCE CHAGES. Periodlt Franca Charges are imposed on all transactions from the date the transaction is posted to you Acoanl until to date you pay your entire by making payments or receiving credits. However, we will provide die following "grace period* t you paid the New Balance on you pervnus billing statement by New Balance , to Payment Due Dale shorn on that steamed, and you pay the New Balance by to Payment Due Date on this statement we will not impose Periodic Finance Charges on new purchases, that a. purchases first appear" on On steamed. Otherwise, you will receive a bong statement next month dal includes Periodic Finance Changes on toss new purchases. There is no grace period on balance transfers or ash advances. We sort you trarhsactrons vM grays of purchases, ash advances, ad balance trawlers and then further am the transactors within each group by their Annual Percentage Rate. For example purchases subject to a promotional fate and purchases subject to standard rate would be separate groups. We refer to time groups as transaction alego ies. At the we compute Perak Finance Charges for each day of to bung period for each transaction category. We use the following equation to oarhpWe Periodic eriod d of each billin , g p en lor each trahsacim categor y Average Daly Balance x number of days n the big period x Daily Perak Rate. (See der tinace large sfmrrhary, on your statement for these anoints) Then we add up the Periodic Finance Charges for each transaction category to get the load Periodic finance Charges for your Account. The average Dairy Balance rs shown as zero it. because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (Mhdudig new transactions) method of cala/alig the balance upon which we inpose Periodic France Chagas. We compute the Average Daily Balance for each transaction category by adding hip all to daily bdanss in a billing period for a transaction category and dwhdrg the bid by the umber of days in to big cycle We compute die daily balance for each transaction category on each day by first adding the falowmg to to previous days daily balance transactions made tat day, fees changed that dry and Perak Finance Charges accrued on that day. t a transaction is posted to your Account after to close of to thug period in whidn it oac rs. we will treat the trarsadon as having occurred on the fret day of to big period in which it is posted to your Account NI Accoud ore added b to standard purchase Yaaaciiorh category witlh tle exeeption of Cash Adverbs Traneaction Fee Fihahce Charges which ore added b hie aria traser;Uan allegory and Balance Tmaler Traraacibn fee FMarna Charges whxh are added b the appkabla baace fransfer transedlorh category When the spade! hale expres, we nave tlhe upped balance of tle haelahoe transer and the Balance Trerafer Traraaciim Fee Fnaroe Chagea b the slerdard prrdase trarsectbn category However, t to special rste has been lermreled urler to Default Rate Pun. we leave the unpaid balerhoe of the balance tranhaer and the Baknoe Trarhsfer Transaction Fee Fewce Chagas in the appliable traeactran tae9ay hrMit the special rate would have expied. For TDO jUlleconrnudcatons Device for the Deall assistence, al 141IM 17.71//. Discover nay monitor andror record telephone tags between ,ou and Discover representatives for quality assurance Purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER r Closing Dale: RICK HOOVER March 19,207 Account number ending in 2369 page 2 of 2 Cashback Bonus® Plus Summary Cashback Bonus Anniversary Date: March 19 Balance Previous Cashback Bonus Award Balance $ 50.39 Gas & Purchase Award + 0.00 Cas ac Bonus Award Total 50.39 Cashback Bonus Award Balance Award Available to Redeem, 9415135 50.39 $ 40.00 Restrictions apply to the Cashbock Bonus Parhror offers visit Discowr tern or call 14800-DISCOVER (1.804347-2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. DISCOVER New Balance Minimum Payment Due I Account Number ending in 2369 $3,456.55 L$69.00? _ I Enter Amount Enclosed Below Payment Due Date $ May 18, 2007 Please make check to Discover Platinum Card or pay online iscovercard.com. 19 SDSN6A0/ 0011513 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discovecoom or visit m.discover.com on your mobile phone. PO BOX 71084 1111111111111111111111111 1111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephonechange8 Print change in space 1r?1r11rr1rrrl?ll?rrl?r1r1r1r1?11r1?1r?1r11r?11?r1?r?r?lrlrrl) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228034565500100000006900 Discover Open Road Card Account Summary Closing Dale: April 19, 2007 page 1 of 1 Account number ending in 2369 Previous Balance $3,511.78 Payment Due Date May 18, 2007 Payments And Credits 100.00 Minimum Payment Due $69.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $2,543.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 44.77 Cash Credit Available $2,543.00 New Balance $3,456.55 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback BonusO Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-804347.2683) to get your share of America's #1 Cash Rewards Program. Cashback Bonus Balance $ 50.39 How Can We Help You? I Visit Discowr.cem to pay your bill for no cast' vi'w your latest Account information, sam and redeem nwarrfs and more It's your choice - 3 ways to help Please have Discover Card available. your for TDD (assistance for hearing impaired) see reverse side 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability ('guarantee Use your Discover Card with confidence. Trans. Post Dale Date Payments and Credits Mar 28 Mar 28 PAYMENT THANK YOU $ 100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. -34101,30 mane Charge Summary ` Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES C_HARGE$_- CHARGES current billing period: 31 days Purchases $3x59.33 > 0.04175% 15.24% V 15.24% $44.77 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above kn cant Information. N there is more than one papa to this bifohp statement, see to back of each page to additional ntportant in(amabon. See your Cxdmemher Agreement Your Cardmember agreement contalrs, all to terms of your Account. Lost or stolen cards. Report immediately! Call ib00-347-2663. 81" Rights Summary. In Case of Erwrs or Questions About Your Bill- N you think your bil is wrong, or it you creed more information about a transaction on your hill, write us on a separate sheet o (paper at Discover. PO Box 30421. Soh Lake City, UT 84130.1421. as soon as possible We must hear from you no later than 60 days sitar we sew you the W bill on which the error or problem appeared You can telephone us, but doing so will not preserve your nphts. In your letter, give us the fallowing information: Your name and Amount number The dollar amount of the suspected error Describe tie error and explain, t you can. why you believe there is an error. N you need more idornlation, describe the item you are unsure about. You do not have to pay any amount in question wile we are investigating, but you are still obligated to pay to parts of your bill to are not in question. While we ihvestigaa you question, we cannot report you as delinquent or take any action to elect to amount you question. Special Rase for Credit Card Purchases: It you have a problem with the quaky of goods or services that you purchased with a hxrkt card and you have tried in good faith to correct the problem with to m uchant, you may not he" W pay to remaining amount due on to goods or services. You have On protection only when the purchase price was more ten $50 and the purchase was made in you horse state or within 100 cries of your noting address. (N we own or operate the merchant, or it we mailed you the advertisement for the good or services. all the purchase are covered regandess of the smont or location of to purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use idormston on your deck to make and electronic fund troroler from your accoud at the financial institution irdiated on you dock or to process the payment as a check transaction N to payment is processed as an electronic land transfer, the tenter will be for the amount of to tack. When we use information from your check to crake an electronic lend transfer, funds may be withdrawn from you account as soon as to same day we receive your payment, and you will not receive your chide back from your finanaal Instaaon. The processig of your payment maybe delayed it you send cash h. correspondence or other items with your payment, l you send to payment to any cxher address v it you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local lime on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. N you have misplaced your envelope, send you payment to Discover, PO Box 6103. Carol Strewn. IL 60197-6103. Please allow 7-10 days for delivery. If your Payment 'a returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your mean= Payment or a greater anaurlt over the telephurre, and you can set up atamatic Payments Cal us at 1800-3472683. You will need this statement and your bank socorht adornatcn. You must ensure to sulkaerd finds are avail)" in you bane account and all transactions mat canply with U S law. You will be asked to provide the first 5 digits of you accoul statement ZIP code. By evile ig Mm numbers as you electronic signslure. you will be agreeing to the eutharza0m to slow us and your bank to deduct each payment you suter¢e from you bank act A, and to ntWe debit or credit entries to you bank account, as applicable, to tarred error in the processing of such payment. You mat let us the amount of each payment. or you can select an amount such as Minimum Payment Due or the New Balance on each statement. You an canal a payment however we must receive notice at least tree business days in advance of the scheduled payment. You may notify us by Owe at 1.800.3474683 or by mad at to address hood in to previous paragraph. N your perils may very in amount we will tell you on each monthly stelement when you payment will be made and how much it will be. Your Automatic payment amount may be less than the inflated on to monthly staterront based on credits or payments applied duirg to billing cycle. Credit Reporting. We mey report idormabon about you account to credit bureaus. Los payments, missed payments, or other deleuks on you accord may be receded in you credit repon. We normally report to status and payment history of your Account to credit reporting agencies each moni it you believe that our report is inacorate or incomplete, please write us at to Wk wi g address Discover. PO Box 15316. Wilmington, DE 198505316. Pow induce your tonne, address. home telephone number and Account comber. PERIODIC FINANCE CNAGES. Periodic Finance Chagas are imposed on at kanssdiors from the date the transaction is posted to your Account grit the date you pay your entire New Balance. by making payments or receiving credits. However, we will provide do following -Waco period' N you paid the New Balance on you pervious bilirg statement by the Payment Due Date shown on that statement. and you pay to New Balance byte Payment Due Date on this statement we will not impose Periodic Finance Charges on new purchases. tat is, purchases first appearing on this do~. Ot Braver. you will receive a biting statement next morph that includes Periods Finance Changes on those new purchases. There is no grace period on balance transkcs or ash advances. We son your transactions into groups of purchases ash adverras, and balance transfers and then further sat to transactions within each gaup by their Annual Percentage Rate. For example purchases subled a a promotional rate and purchases akbjed to standard rate would be separate Bops. We reler to ton groups as fransaclion categories. At the end of each billing period, we compute Pen odic France Charges fa each day of to billing period for each transaction category. We use to following equation to compute Periodic for each transaction category Average Deily Balance x number of days in the Ming period x Daily Periodic Rate. (See to -tone charge summary on you statement for terse ammo n(a) Then we add up the Periodic Finance Charges for each transaction category to pet the Wei Periodic Finance Charges for your Account- The average Dally Baian: is shown as zero it. because of the grace period, no Penodi: Finance Charges apply to the balance in a trasectm category. We use to Average Daily Balance (including maw transactions) meted of calculating de balance upon which we impose Periodic Fiance Charges We compute to Average Daly Balance for each trarmwhon category by adding up all the daily balance& in a billing period for a transaction category and dividing to foal by the number of days in the telling cycle. We oompule to daily balance for each Uanaectorh category on each day by first adding the fdbw" W to previous days daily balance. transactions made that day, lea charged that day and Periodic Finance Charges accrued on that day N a transaction is posted to your Accorit after the dose of the bill" period in which it occurs, we will teat to transaction as laving occurred on to first day of to billing period in which it is posted to your Account. Al " Account ore added to to standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Gorges which are added to the applicable ash advance transaction category and Balance Tnanskr Transaction Fee Finance Charges which we added to to applicable balance trader transaction cetegay. When de special ate expires. we move to unpaid balance of to boars trasfer and to Balance Trarhakr Transaction Fee Fronde Charges to to standard purchase transaction category. ROWeVa• offs special We has been terminated under to Default Rate Plan, we leave do unpaid balance of Be balance transfer and the Balance Transfer Transaction fee Finance Chagas in the applicable transaction ategary until tlo special rate would have expired. For TDO (Tekoarhmurdcadons Device for the Decry assistance, at 114011-347-7440. Discover may monitor andlor record lelephcre cols between you and Disavw reprasmtaives for quaky assurance Purposes The Diecev ert card is issued by Deaver Bank, Member FDIC. O1TBK107 ,399.86 ance DISCOVER $3Now Bal 19 SDSN6A01 0011514 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due Account Number ending in 2369 $68.00 Enter Amount Enclosed Below Payment Due Date June 18, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. Access and manage your account at www.Diw,ovw.com or visit m.discover.com on your mobile phone. PO BOX 71084 11191111119111 111111111 mill CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 111111111111311111111rrlrltrrlll?r11111116111111111 rlri?r?rrl? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228033998600100000006800 Discover Open Road Card Account Summary Closing Date: May 19, 2007 page 1 of 1 Account number ending in 2369 Previous Balance $3,456.55 Payment Due Date June 18, 2007 Payments And Credits 100.00 Minimum Payment Due $68.00 Purchases + 0.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $3,200.00 Balance Transfers + 0.00 Cash Credit Limit 300.00 $3 Finance Chess + 43.31 Cash Credit Available , $3,200.00 New Balance . $3,399.86 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March CONGRATULATIONSI Your Coshbock Bonus(R) is waiting for you. Visit Discovercard.com or call 1-8004DISCOVER (1.800-347-2683) to get your share of America's it Cash Rewards Program. How Can We Help You? 1 Visit Discover.com to pay yarn bill! for no cost, view ur latest Account information, earn 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 Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Da:. Post Date ,Payments and Credits May 14 May 14 PAYMENT THANK YOU $ 100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. PMeVCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE F14ANCE FINANCE Balonces Rates RATES RATES CHARGES CHARGES current biking period: 30 days Purchases $3457.54 0.04175% 15.24% V 15.24% $43.31 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Your Discover(R) Card has you covered w th Complete Fraud Protection for your pwce of mind. Our advanced fraud warnings mean you'll know right away should any suspicious activity occur And iF your card is lost or stolen, you have $0 fraud liability guarantee-you're not responsible for any fraudulent charges. Important Information. If there is more than one papa to has bi ng sfa cement, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmamber agreement contains all to tams of your Account. Lost or stolen arch. Repon nrnedialelyl. Cal 1.800.347-2683. Biting Rights Summary. in Case of Erraa or Questions About Your Bit: 9 you think your bill is wrong, or t you need more nl ffwbm about a transaction on you bill, write us on a separate sheet of paper at Discover, PO Box 30421, Sak Lake Qty, UT 81130-0421, as soon as possible. WB must hoer from you no leer then 60 days alter we aim you the first bill on which the error or problem appeared. You can telephas us, but doing so will not preserve your rights. In your Mier. give us the following information: Yorr name and Account number The dollar amount of the suspected error Describe the error end expln, if you can. wiry you believe there is an erra. If you need more Adamaliak. describe the item you are unsure about. YOU do not have to pay any amount in question while we are investgatig, but you are still obligated to pay the pads of your bill let are not in question. While we investigate your question, we cannot report you as debgm t or take any action to collect to amount you Wesaw Speclal Rate for Credit Card Purchases: t you have a problem wilt the quality of goods or services that you purchased with a credit card and you have tried in good folh to omw the problem with On merchem. you may not have to pay his remaining ertaaa due on the goods or swim. You have this prdeUion only when to p irdeee price was more ten $50 and the purchase was made in you home state or whin 100 miles of your malting address. IN we own or operate the mordent, or it we mailed you the advertisement for the good or services, all one purchase are covered regerdess o (the errs" or location of the purchase ) Payments. Send only your permit and the top portion of the statement in the erwebp provided. Do no send ash. By sending your deck as described above. you authorize us to use idamadon on your deck to make and osWoric find trmcler from your account al to financial inst arson indicebd on you died or to process the payment as a deck tronsacbon. If the payment is Processed as an electronic lead transfer, Ire transfer will be lor the artau t of to deck. When we use information from your deck to make an electronic fund eansler, kinds may be withdrawn from your axaint as soon as the same day we receive you payment, and you will not receive you deck back turn you french! institution. Tie pecessig Jf mur payment nmybe tk my c h you send cash, carespondcroe or other items with you payment. if you send the payment to any other address of h you use an envelope other than the one provided. Payments received in proper corm at our processing Way by 5PM local lime on any day will be credited to you Account as of that day. Payments received at our processing fedtity after 5PM lead one will be credited to your Account as of go next day. If you have misplaced your envelope. send your payment to Discover, PO Box 6103. Cad Stream. IL 60197-6103 Please allow 7-10 days for delivery. 9 your permit is returned unpaid. we reserve the right to resubmit A as an electronic debit. YOU can pay your rninermm payment or a greater ertoura over the Wephore, and you can set up aulomakc payments. Cat us at 1-800.3472683. You will reed the statement and you bank account inamekon. You must ensure that sulkaent he& are evadable in your be* account. and all transactions mud comply with U.S. law. You will be asked to provide the first 5 digits of you account statement ZIP code. By otlenng those numbers as your electronic signature. you will be agreeing b 11it sMavalon to stow us ant your bank to deduct each payment you authorize tam your bank account, and to wade debil or aedt entries to your bank ae0ama, as applic". to cared error in the pracas®ng of such payment. You must tell us the emoud of each payment, or you can select an anioum such as Me mum Payment Due or the New Balance an each statement. You an cancel a payment however we rust receive notice at Most free business days in advance of the sd*WW payment. You may notify us by phone at 1.800-341-2683 or by mail at the address listed in the previous paragraph. If you payments may vary in amount we will rot you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be leas than the indicated on to monthly statement based on credits or payments applied during the bAGg cycle. Credit Reporting We may report information about you account to credit bureaus, gate payments, missed permits, or other defsuhs on your soco rr may be reladed in you credit report. We non , y report the status and payment history d your Account to a" reporting agencies each month. If you believe let or report is aheeafele or incomplete, please write us of the following address: Discover. PO Box 15316. Wilmirglon, DE 198505316. Plante include your name, address. home Wephae number and Account number. PERIODIC FWMCE CHAGES. Periodic Finance Charges are imposed on at transactions tom to daleto transaction is posed to yourAtaoum until le date you pay you entire New Balance, by makirg payments or recovng credits. However, we vid Woods the fatowing'gnace period" If you paid the New Balance on you pervious billing statement by fie Payment Due Dab shown on tat statement, and you pay the New Balance by the PaymsA Due Doe on this statement we will not impose Periodic Fiance Chagas on new pudases, that is. purchases first appearing on his statement. Othemsdse, you will receive a billing statement next month to includes Periodic Finance Charges on lase new purchases. There is no gas period on balance transfers or ash advances. We son yam transactions into groups of purchases, cash advances, and balance Ina slers and den first er sat the transactions within each gaup by ter Annual Percentage Rate. For example purchases subject to a pmmDtwd rate and purdhasm subjed to sbrtabrd rate would be separate groups. We refer to tese groups as transaction calegones. At the end of each billing period. we oonnpue Periodic finance Charges for each day of to billing perod lor each Vivisection category . We use to fallowing equation to comp le Parodic for each traoaaCben calegay. Average Daly Balance x number of days in the thing period x Daly Periodic Rae. (See the fnence charge summary on your statement for these amakn!s 7 h -m m add mp the Petuinc F Charges for each transaction ralegory to get the total Periodic Finance Charges for you Account The average Daily Balance is shown as zero d because of to grace pardad, no Periodic Finance Gauges apply to to balance in a hareactron category. We use to Average Daily Balance (ndudng now transactions) metod of calculating the balance uponh which we in" Periodic Finance Charges. We compute the Average Daily Balance fir each transaction category by adding up all the daily belaaes in a billing period for a transaction category and dividing the but by the number of days in the billing cycle. We compute the daily balance fa each Vo section caegory on each day by first adding the following to to previous day's daily balance. transactions made gel day, fees charged that day and Periodic Finance Chops accrued on tat day. t a transaction is posted to your Aocaal after the dose of the billing period in which it occurs , we wit treat the transaction as having occurred on the first day of to biting period in which it is pouted to your Account. Al ore added b to atawlad purdsse trarsactiorr rxMegary with tle excaption d Ceah Advance Transaction Fee Finance Gorges vfirh are added lo le ?{oe tahaxbn catogay end Balance Tnrofer Trsnaactim Fee Fihanc?a Cirrgea wh+idh as added b the applcebb besrha transfer tanaac6on casgay. When the rpedd retie expiee, we move the unpaid Dalaae d the belerae trenasr end the 8alahce Trahsta Transeduin fee France Charges b la senderd purdnme lrerhsactrorh cakgary. However, f the spedid reN has bean tamwebd urhder Ye OelaN RsN Plan, we Issue tla hunpeid buhlanca d the belaae transfer ad the Balanhce Trenasr Trerseciah Fee Fnerae Ganges n the applicable tranaaalon kategony hrhq the nipeciel nee would have expired. For TOD (Telecommunications Davits for the Deaf) assbuince, call 1.1104747-7449. Discover may monitor andfor record telephone cats between you and Discover representatives for quality assmanhce purposes The Discover" card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER New Balance Minimum Payment Due i Account Number ending in 2369 $3,376.08 $_67.00 Enter Amount Enclosed Below Payment Due Date $ July 18, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. 19 SDSN6A010011515 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www,Discover.oom or visit m.discover.com on your mobile phone. PO BOX 71084 11111 CHARLOTTE NC 28272-1084 Address, *-mail or telephone changel Print change in space )u)r))u)ru)r)?ru)n)r(nr)?)?iri)n?n)n))n)n)ri)r)u)) above, or go to Discover.corn. Print your e-mail address to receive important Account information and special offers. 000001986458892412228033760800068000006700 Discover Open Road Card Account Summary Closing Date: June 19, 2007 page 1 of 2 Account number ending in 2369 Previous Balance $3,399.86 Payment Due Dole July 18, 2007 Payments And Credits 68.00 Minimum Payment Due $67.00 Purchases + 0.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $3,223.00 Balance Transfers + 0.00 Cash Credit Limit $3,300.00 Finance CJtarges + 44.22 Cash Credit Available $3,223.00 New Balance $3,376.08 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March Account to pay your loin for no cost, view your How Can We Help You? 1 vase Discovercorn latest Account information, earn and d redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sap Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Payments and Credits Jun 18 Jun 18 PAYMENT THANK YOU $ -68.00 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Soon we'll no longer be printing yxw full account number on your statement. U's 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. MIN&Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE F &slances Rates RATES RATES CHARM CHARGES current billing period: 31 days Purchases $3416.85 0.04175% 15.24% V 15.24% $44.22 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed IF) or they may vary (V) as noted above. Important Information. 9 tae s more than one papa b go billing sfetxroM, see On bads d each papa fur additional imponant information. ce See your Crdmember Agreement. Your Cardmernber, agreement contains d to terms of your Account. Lost or stolen cards. Report immediately! Call 1-WO-317-2683. Bitting Rights Summary. In Case of F-rraa or Questions About Your Bi: 9 you t" your bill is wrag, or it you need more nlormaficn about a VarhnaWarn on your dl, write us on a Salt Lake City, UT 841340421. as soon as possible. We nest hear from you no later than 60 days after we sent you die fast bill PO Box 30421 arate sheet of peps at Discover se $ . , p on which to error or problem appeared. You can lelephate is, but doing so will not preserve you rights. In your letter. give us the following kftMhon c; Your name and Acoounl number The dolls mom of the suspected ens Describe tie enor and explain, t you can, why you believe there is an error. O you need more information, describe the tarn you are unsure about You do not have to pay any arriou t in question wide we are investigating, but you are sM oblipaled b pay the pans of your bill trot are not in question. While we investigate your question, we cannot report you as delinquent or take any acts b called the amount you quesron. Special Rate for C" Card Purchases: 9 you have a problem with the qudAy of goods or services that you purchased with a credit card and you have tried in good faith to cared the problem wilh She merchant, you may not have to pay the remaining amount due on the goods or services. You have On protection only when the purchase price was more than $50 and toe purchase was merle on your lame slate or within 100 miss d your mailing address. (If we own or operate the merchant, or it we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send arty your payment and the cap portion of the statement in the envelop provided. Do not sad cash. By sending your check as described above, you authorize us to use information on you check to make and electrom fund trarofer from you account at the financial institution indicated on you check or to process the payment as a check transaction. II the payment is processed as an electronic fund transfer, to tranisler will be ter the arno nt o (the died. When we use inform oson from your check to make an sactroehe turd transfer, kinds may be wahdrawn from your account as soon as the same day we receive your payment, and you will not receive you check back from your financial roluborl- The pnocessng of your payment maybe delayed it you sod cash, mzrrespadace or other items with you peyrnent, if you send the payment to any older address of if you use an envelope other than the one provided. Payments recowed in proper form at out Mousing ledlity by 5PM local firm or any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time well be credted to yourAcmunt as of the next day. I you have misplaced your envelops, send you payment to Discover, PO Box 610.3, Card Stream. IL 60197-6103. Please allow 7-10 days for delivery. 9 your pay rent is reamed unpaid, we reserve the right to resubnd it as an electronic debt. You can pay you moronism payment or a greater anaat over the telephone, and you an ad up automatic payments. Cal us at 1-6043472683. You will need this statement and you bank account information. You mast ensue to sulknenl funds we evadable in your bank account. and all transactions must amply with U S. law. You will be asked to provide tun fist 5 digits of you account statement ZIP code. By entering those numbers as you electronic sgrekre, you will be agreeing to this authaizekon to slow to and you bank to deduct each payment you autha¢e from your bank account, and to iifiate debt or credit won to your bank account, as applicable, to cared error in to p wewq of such payment YOU mute id us the amain of each payment, or you can soled an smart such as kliim rn Payment Due at the New Balance on each statement. You can cancel a however we must receive notice at bast tree business days in advance of the scheduled payment. You may, nOUy is by plane at 1-000.341.2683 or by mail at the payment , address Isbd in to previous paragraph. If you parents may vary in amount we will del you on each monthly elalenhant when your payment will be made and law much t will be. You Automatic payment anent may be less than the indicated on the monthly statement based on credit or payments applied dung to biting cycle. Credit Reporting. We may report nkxmatah about you account to credit bureaus. Lae payments, missed payments, a other deladte on you account may be reflected in your credil report. We normally report le staus and payment history of you Accrx" to cra it reporting apawies each mortlh. If you believe that our report is rwx rate or icompieie, please write us at to following address: Discover. PO Box 15316. Wilmington, DE 198505316. Please me ude you name, address, home telephone number and Account number. PERIODIC FINANCE CNAGES. Periodic Fiance Cher" are imposed on at transactions from the date the transaction is posted b you Account until the date you pay your mare Now Balance, by making payments or receiving credhte. However, we will provide the blownhg "grey pen od" tt you paid to New Balance on you pervious tiling statement by the Payment Die Date slaws on that stabnant, and you pay the New Balance by the Payment Due Date on to statement we will not impose, Periodic Fiance Charges on new purchases, that is, purchases fast appearing on his statement. Oterwise, you will receive a billing statement next month that includes Periodic Finance gages on lase new purchases Thee is no grace period on balance trenslers or cash advances. We sort you trarsacfiorna rib groups of purchases, cash advances, and balance tarslers and then further sat the transactions within each group by their Annual Percentage Rate. For example purchases, subject to a promotional rate and purchases subpct b standard rate would be separate groups. We relor to these groups as transaction cabgaies. At the end of each billing period. we compute Periodic Finsnce Gages for each day of tie billing period for each transaction category. We use to following equmon to oanpula Periodic for each trasadon category. Average Daly Balance x mortis of days in the billing period x Daily Periodic Rae. (See the finance charge summary on your statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get ft Mal Periodic Finance Charges fix ysur Account The &.,,.rage Daly Balanr. is shown as zero ill, because of to grace period, no Periodic Finance Charges apply to tle balance in a transaction calegory. We use the Average Daily Balance including new transactions) method of calculating the balance upon which we impose Perodic Finance Cages. We compute the Average Daily Balance tot each trisection category by adding tip all the daily balances in e bring period for a transaction category and dividing the bfel by the number of days in the billing cycle. We compute to daily balance for each transaction GM*M on each day by fat adding tlro folowig to the previous day's daily balance. Ma salons made that day, fees charged to day and Periodic Finance Chagas accrued on tot day. If a keneadion is posted to your Account after to close of the billing period in which it occurs, we will treat the transaction as having occurred on the first day at the billing period in which t is posted to your Accnxm. All Account are added to to standard purchase tasedion alega y, with to exception of Cash Advance Transaction Fee Finance Cages which am added to kable balance transer transaction category which we added to the a G F Fi pp orges ee nance to a armoe Yasackon category and Balance Transfer Tranucaah When to special rare expires, we nave toe unpaid balance of the balance trerstermid the Balance Transfer Transaction Fee Fierce Charges to the standard purchase transaction it to special rate has been terminated under the Default Rase Pan, we leave to unpaid balance of to balance tra der and the Balance Transfer Transaction However cate or , g y. Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunicatons Devise for the Des) assistance, call 1.004347.7449. Discover may monitor amdlor record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER cbsfn9 Dab: RICK HOOVER .June 19T200] Account number ending in 2369 page 2 of 2 Cashback Bonus® Plus Summary Cashback Bonus Anniversary Date: March 19 Balance Previous Cashback Bonus Award Balance $ 50.39 Gas & Purchase Award + 0.00 Cas ac Bonus Award Tota 50.39 Cashback Bonus Award Balance Award Available to Redeem ,9415135 50.39 $ 40.00 Restrictions apply to th} Cashback Bonus Partner offers visit Discover can or call 1-800 DISCOVER (1$OQ347-2683) for details. For program s, see the Cashbock Bonus Program Terms and Conditions. DISCOVER New Balance 1 Minimum Payment Due I Account Number ending in 2369 $3,479A7 I $147.00 1 Enter Amount Enclosed Below Payment Due Date --? $1 August 18, 2007 Please make check payable to Discover Card. Minimum payment due includes a past due amount oFS67.00. 19 SDSN6A010011516 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Disoover.com or visit m.discover.com on your mobile phone. PO BOX 71084 Illusllsnurlllrlnllnel CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?n?el?n?nr?d?ur?ulr?nJll?ru?u?nln??nln?n?ilnH above, or go to Discover.com. Print your e-mail address to receive important Account information ond,special offers. 000001986458892412228034794700000000014700 Discover Open Road Card Account Summary Closing Dais: July 19, 2007 page 1 of 1 Account number ending in 2369 Previous Balance $3,376.08 Payment Due Date August 18, 2007 Payments And Credits 0.00 Minimum Payment Due $147.00 Purchases + 39.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $3,120.00 Balance Transfers + 0.00 Cash Credit Limit $3,300.00 Finance Charges _ + 64.39 Cash Credit Available $3,120.00 Now Balance . $3,479.47 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March Account to pay your bin for no cost, Help You? 1 Visit Discovercom How Can We He view r latest Account information, earn and redeem rewardiouand more It's your choice - 3 ways to help 2. Coll 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Odwr/iNscaRaneous Jul 19 Jul 19 LATE FEE $ 39.00 Information For You "' ATTENTION Your account is past due. Please pay the post due amount now, or contact us to make other arrangements. Soon we'll no longer be printing your full account number on your statement. It's 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. Finance Charge Summary FOO" Ji ter offer for current billing period: Daily Periodic Rate: 0.06299%; corresponding A NNUAL PERC ENTAGE RATE: 22.99%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES CHARGE: current billing period: 30 days Purchases $340710 0.06299% 22.99% F 22.99% $64.39 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information. If there is more than one page to ft biting statement, we the back of each papa for additional important information. See your Cardmember Agreement Your Cardrnember agreement contains rid the tams of your Account. Lost or stolen cards. Report immediately! Call 1AID-347.2683. Biting Rights Summary. In Case of Eras or Questions About Your Bill: t you tusk your bill is wrong, or 0 you need more intamatian about a transaction on your bill, write us on a separate sheet of paper at Discover. PO Box 30421. Salt Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the firs[ bill on which the amen or problem appeared You can telephone his, but doing so will not preserve you rights. In your letter give us tle blowing nki ma0w You name and Account rumba The dollar mount of the suspected error Describe the error and explan. W you can, why you believe there is an error. If you need more info mabon, describe the item you are unsure about. You do not have b pay any amart in question white we are investigating, but you are still obligated to pay the pars of your bit that are not in question. While we nvestigale you question, we canal report you as delinquent or take arty action to coiled the amount you question, Spacial Rai for Credit Cud Purchases: If you have a problem with the quality of goods or services halt you purchased with a credit cad and you have mad in good IsM to owed the problem with the merchant. you may not have to pay to remaining amount due on the goods or services. You have this protection only when the purchase price was more then 550 and the purchase was shade in you horse state or within 100 miles of your mailing address. (t we own or operate the merkham, or if we mated you the advertisement for the good or services, at the purchase are covered regardless of the amount or location of the purchase.) Payments Send only you payment and tle by portion of Ow statement in de envelop provided. Do not send cash. By sending you check as described above, you audiam us to use information on your check to make and electronic fund transfer from yaw account at the financial iwtihAion indicated on you check or to process #is payment as a deck transaction. If the payment is processed as an electronic turd transfer, the transfer will be for the amount of to deck. When we use information honk you check to make an electronic kind transfer, funds may be withdrawn from you account as soon as the same day we receive you payment, and you will not receive you deck back from you financial nstitution. The processing of your payment mavb delayed it you send cash correspondence or utder trims with your payment it ;cw ,end the payment to any other address or 9 you use an envelope other ton tithe one provided. Payments mw ,*d n prapa form at our processing Wilily by 5PM beat time an any day wit be credited to your Account as of that day. Payments received at our pnxessing lacity after 5PM local use will be credited to yourAcmu t as of fie next day If you two imspisced your envelope, send you payment to Discover• PO Box 6103.. Card Stream. IL 60197-6103. Please allow 7-10 days for delivery. If you payment is returned unpaid. we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 14M3472683. You wit need On statement and your bank accost nfommon. You must ensure that sufkdert kinds are available in you bank account, and at transactions must comply with U S. Ire. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering terse numbers as your eectronc sgnawnt. you will be agroeng to tier authorization to slow us and your bank to daW each payment you authorize from you bar* account. and to insists dads or credit entries to your bank account, as applicable, to cored error in the processing of such paynem. You must tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel e payment, however we mist receive notice at least tree business days in advance of the scheduled payment. You may no* us by phone at 1-800-347-2683 or by mad at the address listed in to previous paragraph. If your payments may vary in smart we will tell you on each monthly statement when you payment will be made and how much it wiN be. You Automatic payment amount may be less then the indicated on the monthly statement based on credits or payments applied dung the bdMg cycle. Credt Reporting. We may report information about your account to credit bureaus Lase payments. missed payments, or other defaults on your account may be reflected in you credit report We nomhally report the status and payment tisary of you Acaoud to credit rep"" ageruies each month. t you believe that our report is keccuaee or incomplete. please write us at the folowirg address: Discover. PO Box 15316, Wifmingfon, DE 19850 5316. Plrhse include you name, address, tame telephone arm leer and Account number. PERIODIC FWMCE CHAGES. Periodic Finance Charges are imposed on all transactions from the dale the trarsadbn is posted to your Account until to date you pay your entire New Balance, by making payments of receiving credits. However, we will provide the following -grace period" It you paid the New Balance on you pervious biting staement by the Payment Due Date shown on the statement, and you pay the New Balance by to Payment Due Date on in statement we will not impose Periodic Finance Charges on new purcrases, till is, purchases first appearing on this stasenenl Otherwise, you will receive a billing statement next month that includes Periodic Fiance Charges on terse new purdwses. There is no grace period on balance transfers or cash advances. We sort you trarwacborhs no groups of purchases, cash advances. and balance transfers and Ow inter sat the transactions within each group by tai Annual Percentage Rate. For example purchases subject to a promotional rate and Purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each burg period, we utmpute Periodic Finance Charges for each day of to billing period for eadh i ansadan category. We use the following equation to oompute Periodic for each transaction category. Average Daily Belanhce x number of days in fie burg period x Daily Periodic Rate. (See the finance charge summery on your statement ter #*$a amounts) Than we add up the Periodic Finance Charges for each transaction rate," to get the total Pei i ndic Finance Charges fu your Accmmt The a•.•erage Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Chagas apply to the balance in a transaction category. We use the Average Daily Balance frhdudng thew transactions) method of calculating the balance upon vdidh we impose Pen o& Finance Charges. We compute the Average Daily Balance for each transaction category by adding up air the dairy balances in a bilkrg period for a transaction category and dindig the total by the number of days in the billing cycle. We compute the daily balance lot each tansedion category on each day by first adding On following to the previous day's daily balace, tranaedions made that day, fees charged that day and Periodic Fiance Charges accrued on that day t a transaction is posted to you Account alter the close of the billing period in which it occurs, we will treat the transaction as having occurred on the Ikal day of the baling period in which it is posted to your Account- For TDO (Tebcomuntcallon s Device for the Deal) assistance, call I-WU7.7449. Discover may monitor and/or record telephone cats between you and Discover representatives for "My assurance purposes The Disw w card is issued by Discover Bank, Member FDIC. OlTBK107 New Balance ^ Minimum Payment Due DISCOVER $3,518.82 $163.00 Payment Due Date September 18, 2007 19 SDSNGA01 0011517 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Account Number ending in 2369 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum yment due includes a past due amount of $80.00. Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 ???sss??ssrrssl??slrrl?rsrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?n)i))n)nr)r))nrlu)r?nr?)?)nr?n?u?n??n?n?n?r?n?) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228035188200067000016300 Discover Open Road Card Account Summary Closing Dote: August 19, 2007 page 1 of 2 Account number ending in 2369 Previous Balance $3,479.47 Payment Due Date September 18, 2007 Payments And Credits 67.00 Minimum Payment Due $163.00 Purchases + 39.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $3,081.00 Balance Transfers + 0.00 ,Cash Credit Limit $3,300.00 Finance Charles + 67.35 Cash Credit Available $3,081.00 New Balance $3,518.82 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuss Opening Cashback Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance S 50.39 Coshback Bonus® Anniversary Month: March How Can We Help You? I Visit Discover com to pay your bg for no cost, view r latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy sell_service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Post Date Date Payments and Credits Jul 22 Jul 22 PAYMENT THANK YOU $ -67.00 Ctdw/Miscellaneous Aug 19 Aug 19 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmsmber Agreement for details. * * * ATTENTION * * " Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 9415135 hnportant 6damMion. t Mere is more tort one pope so this billing sfatanerd, we the back of each pegs for additional inporlerif ird rmstlon. Sao yew Cardmernber Agresment Your Cerdrnember agreenrerd contests all the temp of your Account. Lost or stolen cards. Report mnedialely! Call 1504347.2663. Billing Rights &mnry. In Case of Errors or Questions About Your Bill: If you trick your bill is wrong, or t you treed more iManmtion about a transocom on your bill, wde us on a separate sheet of paper at Discover, PO Box 30421. Sell Lake City, UT 541300421. as soon as possible. We must hear from you no low than 60 days after we sent you the fist bill on which the error or problem appeared. You can telephone us, but tong so will not preserve your rights. In Your leper. give us the fdbWrg nformation Your name and Account number The dollar amount of the suspected error Describe the error and explast 0 you can, why you believe two is an error. t you need more trdarhetion, describe the ilea you are unsure about. You do not have to pay any smourd in question while we are investigating. but you are still obligated b pay the parts of your bill to we not in question. White we investigate your question, we cannot report yar as detnpuaril or We any Boom to mbd to amount you question. Spacial Rork for Credit Card Purchases: t you have a problem with to go* of goods or services that you purchased with a credit card and you have Med in good both km cared the problem with the merchant, you may not have to pay to ralnasMlg amount due an the goods or services. You have this protection only, when the purchase price was more the S50 and the purchase was made in you home stele or wdlan 1W miles of your mailing address. (If we own or operate the merchant, or it we mailed you the advertisement for the good or services, ant tune purchase are covered regardless of the annum or location of to purchase.) Payments. Send only your payment and the lop portion of the statement n the envelop provided. Do not send cash. By sending your check as desabed above, you aut om us to use adormation on your crack to make and electronic kind transfer mom you account at the financial nwaxirm indicated on you chedr or to process the payment as a dock transaction. If ft papnent is processed as an ekcbomc kind transfer, the transfer will be for the amount of the dm*. When we use sAormakon from your duck to make an eteubonla fund transfer kinds may be witcrawn from you account as soon as dle same day we receive you payment, and you wit not receive your check back from your fnrmcel inerituoon. The processing of vox rAmlent maybe de;ayed if, m send cash, correspondence or olher items with your payment. if you send the payment b any other adO ess or t you use an envelope tithe than the one prowled. Permits received in proper form at our processing facility by 5PM local lame on any day will be credited to you Account as d that day Payrnerds received at our processing facility after 5PM kcal brie will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream. IL 60197-6103. Please slow 7-10 days for delivery. I your payment is retuned unpaid, we reserve the right to resubxmn A as an electronic debit. You can pay you minimum payment or a greater amount over to telephone, and you can eel up automatic payments. Call us at 1 A00-3472663. You will need this statement and you bank account rdormabon. You must smuts Mat sulkdeM kinds are ovalable in your bank acmurm and at trarwaciaw must oomply with U.S. taw. You will be asked to provide the first 5 Oats of you account statement ZIP code. By ordering these numbers as yaw electronic signature, you will be agreeing b this rNnortrraon to slow us and your bank to do" each payment you sun mze from you bank account, and to nooks debit or as& enMes to you beak sccaan, as applicable, to cared error in the processing of such payment. You must tell us the errant d each payment, or you can select an amount such as ktirirtarn Payment Due or to Now Balance on each statement. You can canoe) a per", however we must receive notice at least tree business days in advance of the scheduled par" You may ratify in by phone at I -M347-2683 or by mnit at the address load in the previous paragraph. If your payments may vary in amount we will tell you on each nordWy stalamsel when your payment will be made and how much i will be Your Autanekc payment amount may be less ton the indicated on the monthly statement based on credits or paymena applied during the billing cycle. Credit Reporting. We may repot inkxmetion about your account to credit bureaus. late peyrnerds, mksed paymenhi, or car defaults on your socord may be reflected in you credit repro. We normally report the sakes and payment history of you Account b a" reporerg agencies each mach. U you believe that our repot m irccuate or incomplete, please write us at the fdWwag address: Discover, PO Box 15316, Wilma gbn• DE 198505316. Please nckls you name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES. Periodic Franoe Charges am imposed on all trasaelions born the date the transaction is posted b your Account until the date you pay your entire New Belence, by making payments or teceiwg credit However, we will provide Ume futow+hmg'greoa period' If you pal the New Balance on you pervious billing am m rd by the Payment Due Dote shown on tat statement. and you pay the New Below by the Payrrwrd Due Date on this statement we will not impose Periodic Finance Charges on row purchases: Bret is, purchases that appearing on the statement. Otxttwas, you will receive a billing statement next morNm that includes Periodic Finance Charges on tow new purchases. There is no grace period on balance transfers or cash advances. We sort you transactions into groups of We asea, rash advances, and balance transfers and Men krl or sort Ma transactions within each group by tteirkinual Pericanage Rate. For example purchases skbpd b a promotional role aft purchases subpc to standard tale would be separate groups. We refer to Cuss groups as traseetion sigmas. At the end of each biting period. we ampule Periodic Finance Charges for each day of tw trilling period for each tromactorn category. We we Me lotowig equekan to compute Periodic for each basaroon ca"M Average Deily Bloke x number of days in We billing period x Duly Periodic Role. tSee the finance chase sumrrhary on your statement for tress arw xd, I Th .ve ncti or, Me PeiKxkr finance Changes for each transaction caloM to 90 the total Periodic Finance ChW9e5 for your Account The average Daily Balance is siio.vn e6 ,t ic :,r.,-du,c of due gr ace pen:xl, no Pehpdc Firance Chagas apply tothe b6ww n a traroac iah category. We use the Average Dally Balance (including new transactions) nheMod of cakxdang the balance upon which we repose Periodic Finance Chagas. We compute the Average Daily Balance for each transaction commy by adding up all the daily balances in a billing period fa a transaction category and dividing to foal by the amber of days in the Iml rig cycle We oci pure the daily taboo for each transaction category on each day by rest adding the following to the previous days daily balance. tramacban made that day %es charged that day and Periodic Finance Charges accrued on that day. t a transaction is posted to you Account after the close of the billing period in vlkch it occurs, we will seat the transaction as having occurred on the fast day of the billing prod in which it is posted b yarAccount. At orea???r??aounl ore eddod to M starlerd purrhese Uerhsaction calepay vvdh Me exception d Cesim Advance Trermsacti"fee Fiance Cher9as wfmich ro added ro the app?Ca61a-cssli advance aarhsectiah cetepory ad Balance Trarhs(er Traesaam Fee Fiwhoe Ctnrpes whidm are aukled a tw appkceba thdarmoe trarafer tansectiorn rxlegay When tlhe special tale expies, we mare Me upeid beans d the tteterce transfer and Use Balerce Trerrc(er Trerwactorh Fes Fierce Charges to tune stermderd purdrese transaction category. However. d the special rank has bee lertrhmaled ruder tlhe Delral Role Plan. we leave tlhe urmpald belerce d Me buderce transfer end the Balance Trasler Trensactian Fee F nonce Chargas n the applrahle trenc?actia category urdd the spe6d halo wroutd have expied. For TOO (TsNcomrnurncoWns Device for the Deaf) assistance, cat 1-04341-7449. Discover may mor doi "or record telephone cells battle" you and Discover representatives la quality assurance purposes The Discover' card is issued by Discover Bonk, Member FDIC. CITBK107 DISCOVER l RICK HOOVER L- It ?? to ? Account number ending in 2369 Announcing Pending Transactions! You asked, we listened. Cardmembers can now view pending transactions onlinel Check your purchases in realtime to stay connected to your account like never before either online or using your mo6ile device. Log in to your account at Discover.com from your laptop or your mobile device and see for yourself! ,D2012 Di- emk, MW b.r FDIC Closing Date: August 19, 2007 page 2 of 2 Finance Charge Summary 19dMidAfer offer for current billing period: Daily Periodic Rate: 0.06299%; corresponding ANNUAL PERCENTAGE RATE: 22.99%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolances Rates RATES RATES CFIARGES CHARGES current billing period: 31 days Purchases $3449.31 0.06299% 22.99% F 22.99% $67.35 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F} or they may vary (V) as noted above.. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1.800-347-2683). New Balance DISCOVER t Minimum Payment Due Account Number ending in 2369 $3,422.59 $82.00 Enter Amount Enclosed Below Payment Due Date $ October 18, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. 19 SDSN6A01 0011518 RICK HOOVER Access and manage your account at www.Discover .corn or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 73084 1111111111111811 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changet' Print change in space IuIrllulnrlrllnrlnlrlnrllllnrlnlnlnllulnlnlrlnll above, or go to Discover.com. Print your "ail address to receive important Account information and special offers. 000001986458892412228034225900080000008200 Discover Open Road Card Account Summary Closing Date: September 19, 2007 page 1 of 1 ,Account number ending in 2369 Previous Balance $3,518.82 Payment Due Date October 18, 2007 Payments And Credits 163.00 Minimum Payment Due $82.00 Purchases + 0.00 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $3,177.00 Balance Transfers + 0.00 Cash Credit Limit $3,300.00 Finance Charges + 66.77 Cash Credit Available $3,177.00 _ New Balance $3,422.59 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback SonuSe Opening Cashbock Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 50.39 Cashback Bonus® Anniversary Month: March CONGRATULATIONS! Your Cashbock Bonus(R) is waiting for you. Visit Discovercord.com or call 1-800-DISCOVER (1-800-347-2683) to get your share of ,America's M1 Cash Rewards Program. How Can We Help You? I Visit Discovercem to pay your bill for no cast, view latest Account information, earn and redeem rewards cnd more .It's your choice - 3 ways to help 2. Cal 1.8004ASCOVER (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 Solt Lake City, UT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T ran s. Post D ais Payments and Credits Aug 26 Aug 26 PAYMENT THANK YOU $ .83.00 Aug 26 Aug 26 PAYMENT THANK YOU -80.00 finance Charge Summary minfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RA 9. %. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balonces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3419.81 0.06299% 22.99% F 22.99% $66.77 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above. ImportM Infornallon. t Own is more than one page b In big statement. an the bade of each page for additional important information. See your Crdmember Agreement Your CerdmatMer agreement coMai s at the firms of your Account lost or atokn cards. Report immediately! Call 1800-347-2663. Billing Right Summary. In Case of Errors or Questions About Yam Bit: If YOU think your b/ is wrong, or f you need more itonnaeon about a transaction on your till, wtro us on a separate sheet of paper at Discover. PO Box 30421. Salt Lake City, UT 84130-0421, a soon as possible. We must her from you no Wer than 60 days after we sent you the first bill on which the error or problem appeared You can telephone us, bud doing so will not preserve your right. In your letter. give us the fallowing information: Your name and Aaousm number The dollar amain of the suspected error Describe it* error and explain, it you can. why you believe two is an emor. If you need more irfmnetah, describe the Am you are unsure about. You do not have to pay any amount in question while we we irnas9teug, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we carrot report you as delinquent or take arty action to coed to amour you question. Special! Rork for Credit Card Purelases: k you have a problern with the quaky dgoods or services tut you purchased with a credit card and you have tried! in gated With to oared the problem wth the merchant, you may not hem to pay to rememng amount due on the goods or services. You have On protection only when Me purchase price was more than $50 and to purchase was made in your hone state or within 100 miles of your mating address. (t we own or operate to merchant, ail we mailed you the advenisarem for the good or services. at the pure ase are awned regardless of the amount or location of de purchase.) Payment. Send or* you payment and the lop parson of the stahemerd in the envelop provided. Do not send cash. By sending your deck as described above, you authorize us to use information on your check to make and electronic lead Wensbr from your socourd at to frwhdal womution ndiated on your ot" or to process the payment as a deck transaction. t to payment is processed as an elections; kid heeler, to transfer will be for the amount of the check. When we use nff rmatioon from your dock to make an electronic find transfer, hinds may be withdrawn from you amount as soon as to same day we receive your payment, and you will not receive you ch dk back lean you financal institution. The processing of your payment maybe delayed if you sand cash, correspondence or other items with you payment, if you send the payment to any Whey address or it you use an envelope other than the one provided. Payments received in proper tam at our processing be* by 5PM leCal Im e on any day will be credited to your Account as of tell day. Payments received at our processing fafdky after 5PM local one will be re I - to your Account as of the text day. If you have misplaced your envelope. aenel you payment to Discover. PO Beak 6103, Card Stream, It 60197-6103. Please allow 7-10 days la delivery. I your payment is returned unpaid, we reserve the right to resubmit A as an etearcrhic debit You can pay you minimum payment or a greater amount over to telephone, and you an sat up eusmako paymens. Cal us at 1-00.3472663. You will need this statement end your beak account lfo nnation. You must ensue that s liciona fads are available in you bank account. and at transactions mil campy with U.S. low. You will be asked to provide tie hat 5 digits of you account statement ZIP code. By ar"twlse numbers as your electronic signature, you will be agreem to this suMai ration to allow us and your bank to deduct each payinert you authorize from your be* account, and to NtsatQ debit or credit entries to you bank account, as applicable, to correct errs in the processing of such payment. You mss lit us the amaam of each payment or you an sett an ammnt such as Minimum Payment Due or the New Balance on each stalernent You an arael a per" however via mat recrve notice at least twee business days in advance of the scheduled payment. You may ratify us by phone as 1-600.347.2663 or by mail at to addreas listed in tie previous paragraph. If your payments may very in amourf we will kit you on each montty stetensrm when your payment will be made and haw much it will be. You Automate payment amount may be less than the indicated on this hues" sbdnerm based on credits or peymeMS applied during the biting cycle. Credk Reporting. We may report iMamaton about your account to credit bureaus. Late payments, missed peymerms, of dux dolouks on your account may be reflected in your credit report. We normally report to stain and payment history of your Aocant to credit reporting agencies each month, k you believe that our report is macerate or incomplete, please write us at the totkrwing address: Discover. PO Box 15316. Wtn ingon. DE 196505316. Please include your name, address, hero telephone number and Account number. PERIODIC Ft4ANCE CHAGES. Periodic Fiance Charges are imposed on all trersactions from the date the transaction is posted to your Account until the dale you pay your entire New Balm, by making payments or recowirg credite. However , we will provide the foowmg grace period' t you pad the Now Balance on you pervious big statement by to Payment Due Date shown ern that statement. and you pay the New Balance by to Payment Due Dale on Me sWerneM we will not impose Periodic Finance Charges on new purchases. that is, purchases fist appearing on his tmateneM. Otherwise, you wit receive a bdtirg statement next month that includes Periodic Finance Charges on dome new purchases. There a no grace period on balance Wanelers or cash advances. We sort you ki eachore into groups of phrcasse, ash advances, and balance handers and ten liter sat to transactions within each group by their Ar"I Percentage Rate. For example purchases suApd to a pronotional rate rid pudhesas sublect to standard rate would be separate groups. We refer to these groups as transaction categaias. At to end of each txtmg period, we compute Periodic Finance Changes for each day of the tiling period br each transaction category. We use to following equator to oanpute Penodo for each transaction category . Average Daily Balance x number of days in In big period x Daly Pe odc Rate. (See the hence forge summary on your statement far toss amount ) Tt ,n we add up the Penoclc Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The average Daily Balance is shown as zero it, because of to gram period, no Periodic Faeroe Charges apply to the balance in a transaction coisM. We use to Average Daly Balance (Amdudng now transactions) meted of cdamahg the balance upon which we impose Periodic Finance Charges. We [airport No Average Daily Balance lot each kansecWOn category by adding up nil the daily balances in a big period for a transaction category and dividing the OW by the amber of days in the big cycle. We compute the dry bona lot each transaction category on each day by tier adding to Moo" No to previous days daily balance. transactions made Mat day, fees charged tat day and Periodic France Chagas accrued on that day. k a Wamadon is posted to you Account after the dose of the biting period in which A occurs, we will trod the transaction as (havtrg occurred on the fist day of the biting period in which it b posted to your Account All fees?oawm are added b the sterdeM purchase Wanaec6on txtegory with the exception of Cash Advance Trorsadion Fee Fiance Cfhergas stilton re added b to app???cash shoe trasacton category and 6abrhce Transfer Trahsactiah Fee Frwhce Charges which are accord b to applicable balnrhoa trasbr transoction ategar. When to apedal nab expires, we nave the utpeid Oalerhce d the belerhoe transfer end the Bona Trasfer Trrextion Fee Faroe Chartres b the sterdard purdase frnsaction cetegay. Fbwewer, d to sperael ink hies ben tenrtneled txhder the Datattl Rate Plan, ws lave tle unpntd btferoe W Its baleneoe trarefx and to Balance Treneter Trensacmion Fee Frwhce Charges n the applicable sareacsorh ategay hrmil the apedd role would have expied. For TDO (Tshcommunkadons Device for the Dan assle once, utl 1 tilt 347.7149. Discover may monfics ahdla record tekplhore cats between you and Dieoover representatives for quality assurance purposes The Discover" card is issued by Discover Bank. Member FDIC. 01TOK107 DISCOVER New Balance Minimum Payment Dt $3,105.71 I $81.00 Payment Due Date November 18, 2007 19 SDSN6A010011519 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 -1 Account Number ending in 2369 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online ® Discovercord.com. Access and manage your account at www.Disoover.com or visit m.discover.com on your mobile phone. PO BOX 71084 11 1111 111111 CHARLOTTE NC 28272-1084 Address, *-mail or telephone changol Print change in space ??r?r??rr?rrr(rllrrrlrr?r?rrr(???rrr?rr(rrlrrllrrlrrlrr?rlrr above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228034057100082000008100 Discover Open Road Card Account Summary Closing Date: October 19, 2007 page 1 of 1 Account number ending in 2369 Previous Balance $3,422.59 Payment Due Date November 18, 2007 Payments And Credits 82.00 Minimum Payment Due $81.00 Purchases + 0.00 Credit limit $6,600.00 Cash Advances + 0.00 Credit Available $3,194.00 Balance Transfers + 0.00 Cash Credit Limit $3,300.00 Fiance Charges + 65.12 Cash Credit Available $3,194.00 New Balance = $3,405.71 You may be able to avoid Periodic Finance Charges, no the reverse side For details. Coshback Bonuse Opening Cashbock Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 50.39 Cashbock$onus® Anniversary Month: March CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call I.800•DISCOVER (1.800.347.2683) to get your shah of America's kl Cash Rewards Program. How Can We Help You? 1 Visit Discover com to pay your b8 for no cos1=102=1 latest Account information, earn and redeem more It's your choice - 3 ways to help 2. Coll 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 TM (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liabiliy Guarantee Use your Discover Card with confidence. TDrans. Post Payments and Credits Oct 17 Oct 17 PAYMENT THANK YOU $ -82.00 Finance Charge Summary "tgGler offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding A NNUAL PERC ENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Balcinc 43 Rates RATES RATES CHANGES CHARGES current billing period: 30 days Purchases $3445.82 0.06299% 22.99% F 22.99% $65.12 $0 Cash Advances s0 0.06847% 24.99% F 24.9996 $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Wish you could sort these purchases by amount, description or categoryd You can - regastar at Discovercard.com to view your purchases online as far back as 12 months. Learn more at Discovercard.com/purchases Imporpmt Mformation. ft here is more ten one page to this billing staterreN, seethe beck of each page for additional important information. See yow Cardmembeir Agreement Your Cardmember agreement contains all the teams of your Accord. Lost or stolen cards. Report immediately! Cal 14I00-317.2683. BBIng Rights Summary. In Case of Eras or Quash= About Your 84, t you kink your bill is wrong, or l you need more indormagon about a transaction on your bill, write us on a separate aferel of paper at Discover PO Box 30421, Sak Lake City, UT 811304421. as soon as possible. We must hear from you no Wer ten 60 days after we sen you the fist bill on which the anon or problem appeared. You can telephone us, but doing so will not preserve your righu. In you letter. give us to logo" nfarmation: Your we and Account number The dollar amour of the suspected error Describe le ens and explain. A you can, why you behave two is an error. If you need more information. describe the derv you are unsure about You do not have to pay any amour in question while we are nvestgatirg, but you we still oblgawd to pay the pads of your bit that are not in question. While we investigate you question, we carat report you as delinquent or take any action o tolled tine ORMU YOU question. Special Rah for Credit Card Purchases: k you have a problem with the q m* of goods or services that you purchased with a credit card and you have tried in good faith o correct the problem with the merchant, you may not have to pay to remaining amount due on to goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in you fame state or within 100 miles of your maAng address. (it we own or operate the merchant or A we mailed you the advertisement for the good or services d the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your paymenl and the top portion of the statement in the envelop provided, Do not sand cash. By sending you check as described above, you authorize us to use indormatiah on your check to make and electronic kid transfer from you account at the lnarraal rablution indcated on you dad; or to process the payment as a check transaction. If the payment is processed as an electronic fund transfer, the trusser wig be for the amount of the deck. Whan we use nlamaoon from your died 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 bad from you financial institution. Taw processing of your payment maybe delayed 9 you send cash, correspondence or other items with your iot rir ens if you send the papneril 10 any other address or 4 you use an envelope other than the she provided. Payments received in proper form at our processing facility by 5PM local bran on any day wig be credited to your Account as of tat day. Psymerls received at our processing fedtiy after 5PM loaf time will be cradled to your Account as of the next day. If you have niylaced your envelope, sand your Payment to Discover, PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. t you payment is returned unpaid, we row" the right to resubmit a as an electronic debit You can pay your mi cram payment or a greater amount over the w4hone, and you can set up sutanekc payments. Cal us at 1-8W3472683. YOU Will reed this statement and your bank account information. You must ensure to shd6cient Ards are available in your bank account. and all transactors must comply with U.S. law. You will be asked to provide the fist 5 digits of you account statement 21P code. By entering tow numbers as yaw electronic signature. you will be agreeig to this aut onzaoon to allow us end your bank to deduct each payment you suhonze from your bank account, and to waste debit or credit rubies b you bank account, as applicable, to cared error in the processing of such payment You mug bit us the amount of each payment, or you can salad an amom such as Mnirum Pe m # Due or the New Balance an each statement. You can cancel a payneK however we mug receive notice at best tree business days in advance of the scheduled payment You may ratify us by phone at I-800-347-2683 or by mad at the address listed in the previous paragraph. I your payments may vary in angel we will tell you on each monthly statement when you payment will be made and how much it will be. You Automatic payment amount may be less than the indcaed on the monthly statement based an credits or payments applied during the biting cycle. Credit Reporlkg. We may report imbrmaaom about you account b credit bureaus, Late payments, missed payments, or other defarla on you accent may be reflected in you credit report. We normally report the stabs and payment history of you Account to credit reporting agencies each month. If you believe that or report is inaccurate or incomplete. please wnte us at the folowiig address: Discover. PO Box 15316, Olmington. DE 19850-5316. Please include you news. address, home telephone amber and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges am imposed on all transsckas from to date the transaction is posed to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, we will provide the folowrg -grace period' If you paid 1* New Balance on you pervious telling stiaernart by the Paymhent Due Date shown on tat statement, and you pay the New Balance by the Payment Due Dole an this statement we will not impose Periodic France Charges on new purchases, gal is, purchases first appearing on this statement. Otherwise, you will receive a billing statement next month that rckides Periodic France Charges on those raw purchases There is w grace period on balance traasens or cash advances. We sort your transactions into grails of purchases, cash advances, and balance graders and ten hrlher sat the transactions within each group by their Arad Percentage Rate. For example purchases subject to a promotional rate and purchases subject to slandal ore would be separate gaups. We refer to tow grouhps as transaction categories. At the end of each billing period, we ownpute Penodc France Charges for each day of to billing period for each transaction category. We use Ile following equation to oanpkle periodic for each transaction catsgory. Average Daily Balance x number of days in the bulrg period x Daily Periodic Rafe. (See to finance charge summary on your shterterit for then armunts.) Then we add up the Periodic Ferrite Charges for each hanaachon Eategory to gel the bat Periodic Fmenoe Charges for you Account The average Daly Nance is shown as zero it, because of to grace penod, no Periodic France Chagas apply to tie balance in a transaction category. We use the Average Daily Balance jiicfuding new trarhsedans) method of calculating the balance upon which we enpose Periodic France Charges. We campus the Average Daily Balance for each transaction category by adding up all the day balances in a billing period for a transaction tategay and dividing the poll by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by fist adding to following to the previous days dairy balance. rransadias made that day, Was charged that day and Penodic Fiance Charges accrued on that day k a transaction is posed to yxrAocount after the close of the biting period in which it occurs, we will treat the transaction as having occurred an to test day of the billing period in which it is posted to your Account. AN jj Aaaril are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee France Charges which are added to the csih once transecion category and Balance Transfer Transaction Fee Frame Charges which are added to the applicable balance transfer transection category. When the special raw expnes. we nave the unpaid balance of foe baWme transfer and to Balance Trailer Transaction Fee Fnanoe Charges to to standard purchase transaction category. However. l to special roe has been ternwraed user to Default Rate Plan, we bow the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges in the applicable transaction category nail tle special rah would have expired. For TDD (Telecommunications Device for the Deaf) assistance, cal 14106347.7449. Dswver may mouka anNa redid telephone cats between ou and Discover representatives for quality assurance purposes The Disoovee cad is issued by Discover Bank, Member FOI ;. 01TOK107 DISCOVER $3Now Bal ,391.74ce 19 SDSN6A0/ 0011520 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due I Account Number ending in 2369 $83.00 Enter Amount Enclosed Below Payment Due Date $ December 18, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. Access and manage your account at www.Disoover.com or visit m.discover.com on your mobile phone. PO BOX 71084 111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1u1r11u1ndJ1ru1u1r1loll 11?rr1111u1n11rr111111111n11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228033917400081000008300 Discover Open Road Card Account Summary Closing Date: November 19, 2007 page 1 of 1 Account number ending in 2369 Previous Balance $3,405.71 Payment Due Date December 18, 2007 Payments And Credits 81.00 Minimum Payment Due $83.00 Purchases + 0.00 Credit limit $6,600.00 Cash Advances + 0.00 Credit Available $3,208.00 Balance Transfers + 0.00 Cash Credit limit $3,300.00 Finance s + 67.03 'Cash Credit Available $3,208.00 _ _ _ New Balance - $3,391.74 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashbock Bonus Balance $ 50.39 New Cashback Bonus This Period + 0.00 Cashbock Bonus® Anniversary Month: March Cashbock Bonus Balance $ 50.39 CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit ' Discovercard.com or call 1-8004NSCOVER (1-800.347-2683) to got your share of America's #1 Cash Rewards Program. How Can We Help You? 1 Visit Discover corn to pry yaw bill! for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll 1-8004DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Cord available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Payments and Credits Nov 18 Nov 18 PAYMENT THANK YOU $ .81.00 TKW&Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE IBa a 1cr Rates RATES RATES CHARGES CHARGE5 current billing period: 31 days Purchases $3432.85 0.06299% 22.99% F 22.99% $67.03 $0 Cash Advances $0 0.068471% 24.99% F 24.99% $0 $0 'The rates Olaf apply to your Accow, are either fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases by amount, description or category? You can - register of Discovercard.com to view iyour purchases online as for back c 3 12 months. Learn more at Discovercard.com/purchases kmporbnit Information. If there is more than one pegs to aria billing stadlemere, see rie Deck of each peps for additional irporfaM inlonnabon Sae your Crdmanber Agreement Your CardarerMer agreemera contains el the Irrrs d yo rAcoouru. Lot or stolen cards. Repot innredialely! Cal I A00.347.26113. BlBfrtg Rights Summary. In Case of Fzrore or Questions Abaci your Bill: If you dlii your bill is wrong, or if you need more W m bon about a retroaction on you dl, writ is on a separate sheet of paper at Discover, PO Box 30421, Sell Lake City, UT 84130.0121, as somas passible. We must her from you no laser than 60 days east we sent you are kit hill on wtaer the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your titer, give us are blowing mlom bon: Your nrne andAaard rsmber The dollar arnom of are smpeded error Describe are error and explain. if you can, why you believe there is an end. If you need more iWomnafron. describe the item you are unsure about. You do no have to pay any amount in question where we are bveslgailM but you are still obfgeted to pay the parts of your bill to are not in question. While we investigate you quesom, we cannot report you as ddiqurt or take any action to collect the anoint you quesao. SpecW Rio for Cred Card Purchases: If you have a problem with the "lity of goods or services do you purchased with a credit card arc you have Vied in good faith to correct the problem wilh the oarrchrt, you may rout have to pay to ra "anoint did an tb goods or swan. You have In protection only when the purchase price was more than $50 and is purchase was made in you home sate or vAm 100 Was d your meirhp address. (lt we own or operate is merchant, or it we mailed you the advertisement for the good or services, all In purchase, are covered regardless of the amountor location of dare purchase.) Psymenb. Srd orty your pwrwd and is top portion of the stomata in the envskip provided. Do riot send cash. By sending you check as described above, you audonze us In use r Wnmmm on you check to make and electronic kind trenskr from your soeout at the financial institution indicated on you check or to process the payment as a deck earmci m. If the peyinsct a processed as an ebdnaic knot transfer, the transar will be kr the arnont of the aback. When we use itmnason from your died to make an eleNm c krnd aanshr, funds may be witdrawn from you account as soon at to same day we receive your paymet, and you will not receive your check bad from you financial isibeonn. The procemM of you payment maybe delayed if you send cash, cmespondlimm or other Awns with you na;ment if you send the pepnent to any other address or if you use an envelope other Iron the one provided. Paptents received in proper form at our processing facility by 5PM kcal tone on any day will be credited to you Account as of that day. Payments received at our processing ladkly, alter 5PM local lime will be credited to yo rAceout as d the next day t you have misplaced you envelope, send your payrnrt to Discover, PO Box 6103, Card Skeen, IL 601915103. Please allow 7-10 drys for delivery. t your payinerit its retuned unpaid, we reserve the right to resubtril t as an electronic debt. You can pay your m wmn payment or a greater anent over She telephone, and you can set up subrnec psymeos. Cal us at IA00-3472683. You will need In statement and you bank acoo nl inknim i n. You must ensue that sulfidat furls are evelabb in your bank account, and all train eadas must comply with U.S. low. You will be eked to provide the first 5 digits dyou accoun statement ZIP code. By anerig dose nrnbers as your electronic signature. you will be agreeing to this and aizatron to allow us and your bank a deduct each payment you arthom from you bank accord, and to romedebit or credit entries b your bank aooout, as applicable, to correct error in the processing of such peyrnant You met all us die woo of each per mil, or you can select an smut such is Minton Paprbn Due or the New Balance on each sWement. You can cancel a perwil, however ova met receive notice at last tree business days in advance of the scheduled pap a t. You may nolfy us by piton at 1A00.347-2683 or by mad at the address kged in the previous paragraph. If your permits may very in anent we will let you on each monddy sW~ when you papmant will be made and how much it will be Your AidomaCe payment amount may be less am Is indicated on it* raw" ststerne t bused on renfra or permits applied during the billing cycle. Crsdk Reporting. We may report information about your account to will bureaus. Lab papnens, missed payments, or odor defadb on you amount may be reflected in your credit report. We namely report the status and peynsd Mabry of your Aomud b rrN reporting agencies each math. N you believe that our report is inaccurate or incornplele please writ us al the Wowing address: Discover, PO Box 15316, Wikrwglon, DE 198%6316. Prase include your name, address, tome tebphene n nber and Account nuu nber PERMK FINANCE CHAGES. Periodic Finance Charges are krposed on all transactions tan the dot the trarsadim is posted b your Account until the dot you pay your arshre New Balance, by rn*xq payments or receivirg credits. however, we will preside the blowing "grace period' If you paid rie New Balance on you pwmw biting stalement by the Percent Due Data drown on that steaneM. and you pay the New Balance by the Papron Due Dot on cis elola nere we will not impose Periodic Finance Charges on new purchases, riot b, puchees less appearing on in Amerisnb. O hrw ise. you will receive a billing satarnent next mach that inckides Perak Finance Charges on to" new purchases. There is no grope prod on balance transits or cash advances. We sort your tra sect ms into groups of purchases, ash advances, and balance transfers and ten further sort the transactions within each group by their Annual Percentage Rat. For example piclases u4sd to a promotionel rat and purchases reject to standard rate world be ssparap grays. We rater to these groups as transaction aMgorm. Al is and of each billing period. we compute Periodic Finance Charges for each day of to billing period for each transaction cob" We use to tolowahg egisskm to oor pits Perwdc for each Vivisection category. Average Doty Balance x amber of days in the billing period x Dully Periods Rate. (Sur the finance charge surnary on you stamen br these arms is 1 Then we !old up the Periodic Finance Charges for each transaction category to get the bbl Perkxk Finance Charges for you Account The avrrte Dairy Balance is shown as zero it. bocase of the gram penud, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Dry Balance (including ow transactions) method of calculating the balance upon which we nipose Peak Finance Charge. We corn pim the Average Daily Belance for each transaction category by adding up all the daily balarnms in a billing period for a transaction category and dividing the total by the nrnber of days in the Wing cycle. We ompas is daily balance for each transeceon category an each day by firer adding ris blowing to is previous days deity balance, transactras made that day, fees charged to day and Perak Finance Charges accrued on that by If a transecsm is pored to your Account alter be dose of the billing period in which it ooom. we will peat the kemacbm as having occurred an it* faslay of the bitting period in which it is posted to your Amount All aea Acomnl are added to is standard Purchase transaction category with as exmpeon of Cash Advance Transaction Fee Fiance Charges which are adored to Ma app /YNrla aarsx/m crepay and &tnce Trrsler Transaction Fee Finance Charges which are added b the applicable balance tray ar transaction category. When is special rate expires. we move is unpaid bdawo of the balance ftWw and the Bdmm Transfer Transaction Fee Finance Charge to the standard purchase tramadim category. However, if Ow special rate has been lermkulnd under the Datrll Role Plan. we Neva is unpaid balance of is balance transfer and the Balance Twister Traisackm Fee Fiance Charges in the applicable transaction category until the special rate world have expired. For TDB (Taiecommudcalbm Nvia for On Deaf) assistance. eel 14MU7.740. Discover may moose ardlor record teleplrare cols between you and Discover representatives for qja* essuranoe purposes The Dmover" card is issued by Discover Banc, Member FDIC. OlTBK107 DISCOVER i- ----- New Balance Minimum Payment Due $3,894.29 L5125.00 - Payment Due Date January 18, 2008 Account Number ending in 2369 Enter Amount Enclosed Below $ Please make check payable to Discover Cord Minimum payment due includes a past due amount of $43.00. 19 SDSN6A010011521 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Address, e-mail or telephone chongel Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228038942900000000012500 Discover Open Road Card Account Summary Closing Date: December 19, 2007 Pagel of 2 Account number ending in 2369 Previous Balance $3,391.74 Payment Due Doti January 18, 2008 Payments And Credits 40.00 Minimum Payment Due $125.00 Purchases + 274.01 Credit limit $6,600.00 Cash Advances + 196.00 Credit Available $2,705.00 Balance Transfers + 0.00 Cash Credit Limit $3,300.00 Finance s _ Char eg_-- 72.54 Cash Credit Available $2,705.00 New Balance $3,894.29 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashbock Bonus® Anniversary Month: March Opening Cashbock Bonus Balance $ New Cashback Bonus This Period + Redeemed This Period Cashback Bonus Balance $ 50.39 0.58 40.00 10.97 How Can We Help You? P 1 Visit Discevercem to pay yew bill! for no cost, view your t t A l f d es a ccount in ormation, earn and re eem rewar ds and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fort, easy self-service Please have your Discover Card available. options or to spook 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 Frain Uability Guarantee Use your Discover Card with confidence. Trans. D Daata ate Award and Rebate Credits Dec 7 Dec 7 REWARD REDEMPTION CREDIT $ .40.00 Merchandise/Retail Dec 7 Dec 7 WAL-MART SC #2574 CARLISLE PA 69.92 Dec 16 Dec 16 TARGET CARLISLE PA 44.62 Dec 16 Dec 16 TJ MAXX #859 CARLISLE PA 90.98 Restaurants Dec 13 Dec 13 MISENOS PIZZA AND RESTAU CARLISLE PA 17.49 Other/Miscellaneous Dec 19 Dec 19 LATE FEE 39.00 Services Dec 11 Dec 11 THE SENTINEL CARLISLE PA 12.00 Cash Advances Dec 11 Dec 11 CASH ADVANCE CHECK #0206 196.00 Dec 11 Dec 11 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.88 Information For You )04 S1 permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we ve chosen not to do so at this time. However we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 111111111 111111 CHARLOTTE NC 28272-1084 111 11111611111111111 11111111 11011 • ` ATTENTION •"' Your account is past due. Please pay the post due amount now, or contact us to make other arrangements. Ynportant information. If there is more than one page to I his billing statement, see the bade of each page for additional important information. Sea your Cardrnember Agreement Your Cardmember agreement contains all the bums of your Account. Lod or stolen cards. Report Immediately! Cal 1400-347-2663. B" Rights Summary. In Case of Errors or Questions About You Bill: If you tints your bit t wrong: or if you need more nformallm abort a transaction on your lit, write us on a separate sheet of paper at Discover PO Box 30421, Sal Lake City, UT 84130-0421, as soon as possible. We must hear from you no late than 60 days alter we said you ft first bill on which the error or problem appeared. You can telephone us, but doing so will rat preserve your rights. In your leper. give us the Mbwg Information: You name and Account number The dollar amount of thB suspected error Describe fire emir and explain, f you an, wiry you believe there is an error . If you need more intimation describe the item you are unsure about You do not have to pay any amours in question while we are nvestigating. bit you are so/ obligated to pay the parts of your bill slut are not in question. While we investigate you question. we camlat report you as delinquent or take any action to collect the amours you question Special Rate for Credit Card Purchases: If you have a problem with the qty of goods or services dirt you purchased with a credit card and you have tried at good faith to correct the problem with the merchant, you may not hove to pay Via remaining amount due on the goods or services. You have ft prolecton only when the purchase price was mote Iran $50 and the purchase was made in your fame state or vi lm 100 miles of you madilg address. It we own or operate Ia merchant, or f we mailed you the advertisement for the good or services. at the purchase are covered regardless of the amont or location of the pure ase.l Payments. Send only your payment and the top portion of the statement In the envelop provided. Do not sad cash. By sending your dads as described above, you aularize us to use idormation on your deck to make and eledroric kid transfer from you accoti t M the financial nstitubm I dicated on you lock or to process the payment as a clack transaction. If the payment is processed as an electicirs; knit transfer, the traabr will be for the amount of the deck. When we use ihlamation from you check to make an electronic end framer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive you check back from your financial intsikfron. The processing of yar payment maybe delayed I you send ash, conesponderhee or other items with your payment, if you send the payment to any other address or I you use an envelope other than the one provided Payments received in proper form at our proceswig facility by 5PM local Irre an any day will be aedded to your Account as of that day. Payments received at our processing fedliy Am 5Pk1 bal time will be credited to your Account as of the next day. If you have misplaced your envelope, send you payment to Discover, PO Box 61D3. Carol Stream IL 601976103. Please allow 7-10 days for delivery. If you payment is returned unpaid, we reserve the not to resubmit t as an electronic debt. YOU an pay your minimum payment or a greater amount over tine telephone, and you an act up automatic payments. Cal us at 1-8W-3472663. You wit reed this statement and your balk account nformation. You must ensue that sulfideM furls am available in you bank accord. and all transactions must comply with U.S. law. You will be asked to provide Ice hit 5 digits of you account statement ZIP code. By entering those numbers as yaw electronic Vulture. you will be agreeing to On authorization to allow us and your bank to deduct each payment you a tho ze from your bank axowt, and b him debit or aedil entries to your bank account, as applicable, to cared error in the processing of such payment. You mist tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance an each sWament. You an canal a payment however we must receive notice at least tree business days in advance of the scheduled payment You may natty us by phone at 1500.347.2683 or by mail at the address listed in dot previous paragraph. If your permits may very n amount we will tell you on each monthly statement when your payment will be made and tow much twill be. Your Automatic payment amount may be less ton the Indicated on Ice monthly statement based on credits or payments applied drrig the bldg cycle. Credit Reporting. We may report information about you account to credit bureaus Law payments, missed payments, or other defsA on your secant may be reflected in your credd report. We normally report Ice statics and pap" history of your Account to credit reporting agencies each month. If you believe that our repot is inaccurate a ncompbe, please w*t us at the M ow i g address: Discover, PO Box 15316, Wilmington, DE 198%W16. Please Include your name, address, home telephone amber and Accent number. PERIODIC FIIANCE CHAGES. Periodic Finance Charges are imposed an all transactions from to date the trasection is posted to your Account until ft deb you pay your entire New Balance, by making payments or receiving credit However, we will provide the following -grace period' t you paid dot New Balance on you pwvoA baling statement by the Payment Due Dale shown on tat statement, and you pay the New Balance by to Payment Due Dale on his statement we will not impose Periodic Fiance Chagas on new purchases that is, purchases rest appearing on dins statement Otherwise, you will ecewe a billing statement next month that includes Penodic Fiance Charges on those new purchases. There is no gram period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance Iransfers and than further sat tha transactions within each group by ter Annual Percentage Rate. For example purchases subject to a pronmotioral rate and purchases subject to standard rate would be separate groups. We refer to lase groups as mansection categories. At the grid of each tiling period, we compute Periodic France Charges for each day of Ice billing period for each transaction category. We use One following equation to orrpue Periodic for each transaction category Average Daily Balance x number of days in Ice bang period x Daily Periodic, Rea. (See the fiance charge summary on your %atemem for these ono rot l Tlrn we add up the Penodlc Finance Chages for each transaction category to get the total Periodic Furnace Changes k ,ocr AUN n n: P :1- Dm!v Balance K shown as zero d, because of Ia grace paced, no Periodic Finance Charities apply to Ice balance in a transacbm category. We use to Average Day Balance (Including now transactions) method of calculating Ice balance upon which we irpcee Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a biting period for a transaction category and diodi g to total by to number of days in the blbg cycle. We cor" the daily balance for each transaction allegory on each day by fret adding the blowing to the previous day's daily balance. transactions made that day, fees charged that day and Periodic Firom Charges accrued on that day. If a transaction is posted to your Aocourd ate the dose of the filling period in which t ears. we will heal the transaction as having occurred on the first day of the billing period in which t is posted to you Account. AN e1? fkd e h? Account are added to the standard purchase I asa,4on ategay with the exception of Cash Advwhar Transaction Fee Finance Charges which are added to the a? a>ce transaction category and Balance Trensler Transaction Fee Fwrca Gorges which are added to the applicable balance transfer transaction category. When the special raw expires, we move the unpaid balance of the balance Irenlsfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transecticin category However. I the special rate has been terminated under the Detaut Rate Plan, we Wave the unpaid balance of the balance trealer and the Balance Transfer Transaction Fee Finance Charges in the applicable transacbm category unit the special rote would have expired. For TDD (TaWcaamaicatioru Device for the Duo assistance, al 141I0.347-7449. Discover may monitor "or record telephone calls between you and Discover representatives for quality assurance purposes The Dismvee card is issued by Discover Back, Member FDIC. OlTBK107 DISCOVER Itpaysa RICK HOOVER i. DLSC?VER' ? Account number ending in 2369 Announcing Pending Transactions! You asked, we listened. Cardmem6ers 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 to your account at Discover.com from your laptop or your mabile device and see for yourself! 02012 Din w Bonk, Mnobv FDIC Closing Dahl December 19, 2007 page 2 of 2 For this holiday season, give a Discover(RI Gift Card and let them choose something that's just right. Discover Gih Cards are now available at many retail locations. Visit Diseovergifteard.com/shop to find a retail location near you. To purchase your Discover Gift Cord online, visit Discovergificard.com Finance Charge Summary dMit3gler offer for current billing period: Daily Periodic Rate: 0.06299%; corresponding ANNUAL PERCENTAGE -0 E: 2.99%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FWANCE FINANCE Balances Rates RATES RATES CHARGES CHARM current billing period: 30 days Purchases $3461.71 0.06299% 22.99% F 22.99% $65.41 $0 Cash Advances $60.73 0.06847% 24.99% F 43.65% $1.25 $5.88 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1.800-347.2683). New Balance rMinimum Payment Due DISCOVER $4,537.51 L161.00_ _ Payment Due Date February 18, 2008 19 SDSN6AOt 0011522 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Account Number ending in 2369 Enter Amount Enclosed Below Please make check pa yable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $237.51 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 111 11111111 it I 111 9111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge9 Print change in space ?n?r??n?nr?r?)nr)u)r)nr???)n11u)n)ir))u)n)rs111loll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00(1001986458892412228045375100083000016100 Discover Open Road Card Account Summary Closing Date; January 19, 2008 page 1 of 2 Account number ending in 2369 Previous Balance $3,894.29 Payment Due Date February 18, 2008 Payments And Credits 83.00 Minimum Payment Due $161.00 Purchases + 622.89 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credo Limit $2,200.00 Finance Charges + 103.33 Cash credo Available $0.00 _ New Balance $4,537.51 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 10.97 New Coshbock Bonus This Period + 6.10 Cashbook Bonus Balance $ 17.07 Cashback BommO Since Anniversary Month March: $6.68 How Can We Help You? 1 Visit Discaver.com to pay re"' biN for no cost, "i'w your latest Account information, loam and redeem rewards and more s to hel our choice - 3 wa It's 2. Call 1-8MDISCOVER (347.2683) for fast, easy self-service p y y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sloe reverse side Sale Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Paynrerrb and Cnsdih Dec 23 Dec 23 PAYMENT THANK YOU $ -83.00 Merchandise/Retai Dec 30 Dec 30 WAL-MART SC #2574 CARLISLE PA 159.10 Dec 30 Dec 30 STAPLES 00 108704 CARLISLE PA 137.78 Jan 7 Jan 7 WAL-MART SC #2574 CARLISLE PA 31.40 Cidler/MisaNanwus Jon 19 Jan 19 OVERLIMIT FEE 39.00 Jan 19 Jan 19 LATE FEE 39.00 Gasoline Dec 18 Dec 20 SHEETZ 00002634498 CARLISLE PA 16.96 Dec 30 Dec 30 BP OIL 06954408 CARLISLE PA 63.05 Jan 7 Jan 7 FLYING J CARLISLE PA 75.00 Jan 8 Jan 8 FLYING J CARLISLE PA 61.60 Information For You 4M'1Ml3&N * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Wish you could sort these purchases by amount, description or category? You can - register at Discovercard.com to view your purchases online as for back a 12 months. Loam more at Discovercard.com/purchases Important Information. If two is more than one page to On burg statement, see the bark of each page for addrilional important information. Sae your Cardmember Agreement. Your Cardmember agreshreM anima all the isms of your Account. Lost or span cards. Report immediately) Call 1400347-2663. BNfimg Rights Summary. In Case of Errors or Questions About Your Bill: N you funk your big is wrong, of 0 you reed mom information about a Vivisection on your bill, wrote us on a separate sheet of paper at Discover. PO Box 30421, Set Lake City. UT 84130-0121. as soon as passible. We must hear from you no later then 60 days after we sent you the lrst bill on which the arer or problem appeared. You can Wephow us, but doing so will not preserve you rights. In your Mler. give us the folowi g ird rmation: Your name and Account number The dolls amount of to suspected error Describe the errs and explain, d you can. why you believe there is an enar. I you need more information, describe the item you are unsure about. You do not have b pay any anouht in question while we are investigating, but you are sill obligated b pay the pats of you b8 that are not in question. White we investigate your question, we sand report you as delehghenl or take any anion to collect M smouat you question. SpecW Rob for Credit Card Purchases: t you have a problem with the quality d goods or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may riot have to pay the remaining amount due an the goods or services. You have On protection only *ten the purchase pace was more than $50 and fe purchase was made in you home stele or within 100 miles of your mhaig address. (I we own or operate the merchant, or if we meded you the adveutisemem for the good or swam. of the purchase are covered regardless of the amount or location of Ow Purchase.) Payments. Send only your payment and the lop portion of the salemant in to envelop provided. Do not send cash. By sanding you check as described above, you auil onze us to use information on you deck to make and electron frrhd transfer from you socout at the frioncrN institution ridiaed on your check or to process the payment as a check uansadon. If the payment is processed as an electronic Mid trader, the Vander will be for the amount of the deck. When we use information from you deck to make an elearaNc hind transfer, funds may be vsthdnawn from your accohrd as soon as the same day we receive you payment, and you will not receive you check bad from your financial institution The processing of your payment maybe deLhyad d you omit cash, mrrespordence or other items with you pa;hrhead if you send the payment to any otlwr arklhrss or if you use an envelope other than the ore provided. Payments received in proper form at our processing facility by 5PM local tine on any day will be credited to you Account as of that day. Payments received at our processing facility efts 5PM local brine will be credited to yourAccaet as of the next day If you have misplaced you envelope, said you payment to Discover, PO Box 6103, Card Stream. IL 601978103. Please allow 7-10 days for delivery. N you paymem is returned unpaid, we reserve the right to resubmit t as an electrow debit. You can pay your miinarm payment or a greater amount over the taleplho e, arid you an set up submaic payments. Call us at 1800-3472683. You will need the statement and you bank amount mkinnwtim. You must ensue that su inert fads are oval" n you bank account, and all tra sad ions mat comply with U.S. law. You will be asked to provide the test 5 digits of you account statement ZIP code. By enlakg those numbers as your eleetorue sgrepre, you will be agreeing b On authorization to adow us and your bank to deduct each payment you stillhaize from your bank accord, and to intiale debit or petit entries to your bank accost, as applicable, to coned error in the processing of such paymem. You must let us the smaunt d each peyr ant, or you can soled an wow such as Mirlmmi Payment Due or the New Balance on each slelement You can anal a payment. however we must receive whoa at Most tree busiheee days in advance old* scheduled payment. You may nolily us by phone at 1-800-347-2683 or by mail at the address listed in the previous paragraph. If your payments may very in amount we will bl you on each nrmthty statement when your payment will be made and how much it will be. You Aubmetic peyrtent amount maybe less than the ihdidabd on the morhtly statemord based on credit or payments applied dung the bilrg cycle. Credit Report". We may report ihkrmabn about you eown b credit bureaus. Lae payments. missed psymerrs, or other defaults on you account may be re8eded in you credit report. We normally report the 9" end papnert history of your Account to credit reporting agencies each month. It you believe shot our report is inaccurate or moomplele. please write us at the following address: Discover, PO Box 15316. Wtmhngloh, DE 19850-5316. Please include your name, address, home telephone mintier and Accournt camber PERIODIC FINANCE CHAGES. Periodic Finance Chagas are imposed an all transactions from the deb the transaction is posted to you Accord until the date you pay your eraie New Balance, by mekng payments or ieceivig cradle. However, we will provide the folowi g'grace period' N you paid the New Balance on you pervious billing statement by the Payment Due Dab shown on &M statement. and you pay the Now Balance by the Payment Due Deb on to statement we will not nhpae Periodic Finance Charges on new purmhases, that is. purchases lest appearing on On statement. Otherwise, you will receive a biting statement net month that includes Periodic Finance Charges on gorse new purchases. There is no grane period on balance tansfers or cash advances. We sad your transactions nb grape of purchases, cash advances, and balance traders and tart fuller sort do transecions within each group by their Annual Percentage Rae. For exsmple purchases subled to a prang onel rate and purchases soubpd b standard rate would be separate groups. We refer to these groups as transaction alego ies. At the end of each billing period, we compute Periodic Finance Chu" for each day of to billing period for each transaction category. We on to otowtrig icl escit to co mpuls Periodic f r each tromacion category Average Daly Balance x number of days in to bilging period x Daily Periodic Role. (Seethe 4nenos charge sunnmery on your stownent for these amowits.) Then we add up the Periodic Finance Charges for endh transaction category to get the Iota! Periodic Finance Charges for your Account The average Daily Balance is shhown as zero 4, because of the grace period, no Periodic Fierce Charges apply b do balance in a transaction category . We use the Average Daily Balance (including new transsctms} meted of calculating the balance upon which we impose Penock Finance Charges. We mnpule the Average Daily Balance for each transaction category by addM up d to daily balances in a bdleg period for a bansecEOn category and dividing the bbl by the number of rays in the billing cycle. We ample the drily balance for each transaction category on each day by fist adding the folbwirg to the previous daya daily balance, transactions made that day, fees charged list day and Periodic Finance Chagas sorxued on that day I a transaction is posted to your Account after the does of the billing period in which 0 occurs. we will treat the transaction as having occurred on the Ind day of the biting penod'n which d is paled ID your Accourt All Account are added to to standard purchase trensecion category with in exception of Cash Advance Transaction Fes Finance Charges which are added to th e a erica transaction category and Balance Transfer Transaction Fee Finance Charges whhich are added to the appicaba balance transfer transaction category . When the apeciel rate expires, we move the unpaid balance of the balace transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase trisection category . However. if he special rate has been lernimiled under fa Default Rob Plan, we awe the upad balance of the balance transfer and the Batas Transfer Transaction Fee Finance Charges in the applicable transaction category until to special rate world have expired. For TOD (Tdecammunlatons Device for the DaQ assistance, all 1804741.1449. Discover may mails ardor record teleptio a calls between you and Discover representatives for quality assurance purposes The Discover" card is shed by Discover Bank, Member FDIC. OITBK107 RICK HOOVER DISC Account number ending in 2369 DISCOVER "? '° Announcing Pending Transactions! You asked, we listened. Cardmembers can now view penciling 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 to your account at Discover.com from your loptop or your mobile device and see for yourself! 02012 Dix r Bank, Member FDIC Closing Date January 19, 2008 page 2 of 2 M i Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3991.41 0.07942% 28.99% F 28.99% $98.27 $0 'Cash Advances $205.57 0.07942% 28.99% F 28.99% $5.06 $0 'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. !Questions? Manage your account at Discover.com or ,call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance F Minimum Payment Due 1 $4,600.56 i $.162.00 Payment Due Date March 18, 2008 19 SOSN6A01 0011523 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Account Number ending in 2369 Enter Amount Enclosed Below Please make check ble to Discover Card. You are overlimit. f,tthe sum of the monthly minimum payment Plus the overlimit amount of $300.56. Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. rrr?l?nlrsl?rnnl P° BOX 71084 111.1111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228046005600125000016200 Discover Open Road Card Account Summary Closing Date: February 19, 2008 page 1 of 2 Account number ending in 2369 Previous Balance $4,537.51 Payment Due Date March 18, 2008 Payments And Credits 125.00 Minimum Payment Due $162.00 Purchases + 78.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,200.00 Finance Charges + 110.05 Cash Credit Available $0.00 New Balance _ $4,600.56 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bmue Opening Cashback Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 17.07 Cashback Bonus® Since Anniversary Month March: $6.68 How Can We Help You? ' Visit Dissever eem to pay your 61 for no °°,*, •w your p latest Account information, earn and redeem reviwards and more It's your choice - 3 ways to help 2. Call 1-8004)ISCOVER (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) we reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. TDrans.ab Post Date Payments and Credit Jan 21 Jan 21 PAYMENT THANK YOU $ 125.00 0disr/MisceAanews Feb 19 , Feb 19 OVERLIMIT FEE 39.00 Feb 19 Feb 19 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was We, we have chosen not to do so at this time. However we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate flan section of the Cardmember Agreement for details. * * * ATTENTION * * * Your account is post due. Please pay the post due amount now, or contact us to make other 4J' 5 Important Inf orerutbn. If done is more than one page to this b*g slabmerd, see the bads of each page for additional important information. See your Cardmember Agreement. Your Canknember agreement oontama all the terms at your Accouril. Lost or stolen cards. Report immediately! Call ill 0.347.2683. Billing Fights Summary. In Case of Enos or Questions About You Bill: H you think your bill is wrong, or t you need more information about a transaction on you ell, write us on a separate sheet of paper at Discover, PO Box 30421, Sao Lake City, UT 841304421, as soon as possible. We must hear mom you no later than 60 days after we seat you the first bill an which the am or problem appeared. You can Welplane us, but doing sows not preserve your rights. In you let her, give us do following nbmatiorh: You name and Account number The dollar won d to suspected error Describe to error and explain t you can. why you believe there is an error t you need more ink rmabon. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are ad obligated b pay the pats of you bit that are not in question. YNs we investigate you question, we cannot repon you as delinquent or take any action to called to amount you question. Special Rats for Credit Card Purchat es: 9 you have a problem with the quaky of goods or services to you pucesed with a credit card and you have stied in good faith to correct the problem with the mxdbnt, you may nil have to pay the remaining amount! do on the goods or services You have to protection only when the purchase price was mono than $50 and the purchase was made in per hire state or **an 100 miles d you mailing address. (If we own or operate to merchant, or d we mailed you the edY&tiSMerd for Me good or services, al the purchase are covered regardess at the amount or location D (the purchase.) Payments. Send arty you payment and the by portion of the slelement in to envelop provided. Do not and cash By sending you deck as described above, you euthorme us to use nbrmeaon an you duck to make and sleNOnc kind reeler from you aocorrd at the financial insbkaion im6catad on you dock or to Process the payment as a check oansadion. If the payment is processed as an electronic lend transfer the trencter will be for the amount of the dock. When we use information from your clock b make an electronic find hander. f nda may be WY&Aawn from you account as soon as to same day we reoeive your paynord. and you oil not receive you check back from you final nstilu6on. The processing of your payment maybe delayed if you send cash, correspondence or oiler items with you payment, d you send the payment In any other address or it you use an envelope odor ten to one provided. Payments received in proper form at our processing laclly by 5PM local Was on any day will be credited to your Award as of that day Payments received at our processing facility after 5PM local tine will be crackled to your Accala as o (the next day. 9 you have misplaced you envelope, send you payment to Dhsoover, PO Box 6103. Cad Stream. IL 60197$103 Please aloes 7-10 days for delivery. It you payment is retuned unpaid, we reserve the right to resubmit t as an eecironic deed You can pay your nwaan payment or a greater amount over the telephone. and you can ant up submakc payments . Cal us at t a0O34726Oi. You will reed this statement and your bank aoawM information. You must ensue to sul6aeM finds are available n you bank accent, and al tramecbon s mat comply with U S. law. You will be asked to provide the first S dgts o (you account statement ZIP code. By entering time ambers as your electronic signalers. you will be agreeing to On sutlanzekon to slow us and your bank to deduct each payment you ahMaae from you bank account, and to row debit or credit retries or your balk accoun, as applicable, to correct error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as ktirimxn Payment Due at to New Balance on each statement. You can cancel a payment however we must receive rates at least tree business days in advance of ft scheduled payment You may notify us by phone at 1.800347.2683 or by mad at de address ksW in to previous paragraph. If your payments may vary in amours we will tell you on each monthly statement when you peyvnerd will be made and how much it will be. Yau Auhcrnal a payment amount may be less ton Me indicated on the no"stamment based on craft or permits applied dung the billing cycle. Credit Reporting. We may report inormaiah about you account b credit bureaus. Lae payments, missed Payments, of other delaults on you atxxnW may be reflected in you credit report. We normally report the status and payment hstory of you Accost to credit reporting agaves each mach. It you believe tat our report is necc rats or ncanplele. Please write us at the following address- Discover. PO Box 15316. Wilmington, DE 19850$316. Please include you name, address. home telephone number and Acoou ! number. PEFIIOWC FINANCE CHAGES. Periodic Finance Charges are irposed on all transactions from the date the transaction a posted b your Account until to date you pay you snare New Balance, by making peymends or receiving credits. However we will provide to blowing -grew period' If you paid tie New Balance on you pervious ping statement by the Payment Due Dale sham on Mil statement. and you pay the New Balance by do Payment Due Dab on tlns statement we will not impose Periodic Fna ce Charges on new purchases. that is. purchases first appm" on ft slat. OMewise. you will receive a billing staler ent next north that includes Periodic Finance Gages on lase new purchases. There is no grace period on balance transkrs or cash advances. We sort you transactions into groups of pudteses, cash advances, and balance transfers and tan further sot the transactions within each grail by Mein Annual Percentage Rao. For example purduass sublet to a promotional rate and purchases %*d b standard rate would be separate groups. We refer b these groups as transaction calago es. At the end of each billing period, we oonpue Periodic Finance Chsgss for each day of the Ming period lot each transaction coN gay. We use the following equation to ow" Periodic for each transaction category. Average Daly Bdanoe x nunibe of days in to billing period x Daily Perhddb Rae. (See the fnamn dwp summary on you ataemenm for troll amounts.) Then we add up to Perodic finance Charges br each transaction category to gel the eel Periodic Finance Charges for you a Account The average Drily Ratance ks shown as zero it, because of the grace period, no Penodw Finance Gages apply to the balance in a fanhsadbn category We use it%Average Daily Balance (including new transactions) method of calculating de balance upon which we impose Periodic Finance Charges. We conquer the Average Daily Balance for each karoadon category by adding up all the daily behemes in a biting period fix a transaction cetegay and dividing the total by to number of days in to Mm cycle We compute to daily balance for each transaction category on each day by first adding the blowing to to previous days deny balance. transactions made tot day, lees doped that day and Periodic Finance, Charges scaued on Not day 0 a transaction is posted to you Account after the dose of the billing period in which it sous, we will keel to transaction as hwK occurred an the first day of do billing period in which d is paled to yam Account. AI Fed Award ore eddad b Ina slaridad pudase iranseation calegay wrlh Me exupiam d Csah Advance Transedbn Fss Finahoe Gages whddm ore added b to ca anca transaction category ad Belante Traelar Transaction Fee Franco (?ergss which ore added b to applicable balarmcetrenslar fransakibm categcry. Whmerm the speed hale ezpirea, we move the uryald belarhce of the balance fermata end to Baanoe Transfer Traoeckon Fee firermce Gages b Me serderd Process Nansection category. llawever, t to apedal rare heat teen tertnnated under.tha Oafadl Rats Pun, we leave the unpaid telarhca d Me balrroe transfer and the Baanoe Transfer Transaction Fee Finonce Chagas n the applicable aansaciah category until to spsaal tale would have expired. For TOD (Telecommudcadons Device fordo Des4itsalstseca, call IMO-117-7449. Discover may monitor ardor record telephone cis between you and Discover representatives for quality assurance prpo es The Disarrer' cad is issued by Discover Bank, Member FDIC. O1TOK107 DISCOVER DIcY Announcing Pending Transactions! You asked, we listened. Cardmernbers 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 to your account at Discover.com from your laptop or your mobile device and see for yourself! 02012 Di- Bunk, M-4- FDIC RICK HOOVER Account number ending in 2369 Closing Dab: February 19, 2008 page 2 of 2 AI'AWCharge Summary Nominal Transaction Averoge Daily ANNUAL ANNUAL Periodic Fee Dai a R MANCE Bal nces ates RATES RAM 011ARGIE S CHARGES current billing period: 31 days Purchases 54258.91 0.07942% 28.99% F 28.99% $104.86 $0 'Cash Advances $210.69 0.07942% 28.99% F 28.99% $5.19 $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.cwm or call 1-800-DISCOVER (1800-347-2683). nce DISCOVER $4 58z 19 S0SN6A01 0011524 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due j Account Number ending in 2369 ,_$146,00__ Enter Amount Enclosed Below Payment Due Date $ I Apri 18, 2008 Please make check payable to Discover Card or ??ee online ® Discovercard.com. A portion. i ,58) of the overlimit amount has been ed to your minimum payment. Pay your minimum tment and the remaining b4dimit amount. cA case and manage your Account at www.Diswver.com or visit m.discover.com on your mobile phone. PO BOX 71084 1' CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space ?rr?r??rr?rrr?n??rrr?rr?r?rnn????rrr?ir?rr?rr?lrr?rr?rr?r?ril? above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458892412228045820700161000014600 'Discover Open Road Card Account Summary Closing Date: March 19, 2008 page 1 of 1 Account number ending in 2369 Previous Balance $4,600.56 Payment Due Date April 18, 2008 Payments And Credits 161.00 Minimum Payment Due $146.00 Purchases + 39.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges + 103.51 Cash Credit Available $0.00 IVsw Balance $4,582.07 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 17.07 New Coshback Bonus This Period + 0.00 Coshbock Bonus Balance $ 17.07 Cashbock Sonus® Since Anniversary Month March: $6.68 Keep usinrgg your Discover(R) Card and watch l your Cashback Bonus(R) grow How Can We Help You? 1 Visit Discover.com to pay year IAI for no cod, view r latest Account information, earn and redeem rewardsouand more It's your choice - 3 ways to help 2• Call 1-8004ASCOVER (347-2683) for fast, easy self-service A M anager ccount options or to speak with a Customer Service Please have your Discover Card available. 3. Writ* us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud UaWlity Guarantee Use your Discover Card with confidence. Trans. oat Payments and Credits Feb 21 Feb 21 PAYMENT THANK YOU $ 161.00 Other/Misceparwous Mar 19 Mar 19 OVERUMIT FEE 39.00 Information For You "REMINDER'' The Payment Duo Dab for your Account will be changing beginning with the statement you receive in May 2008. The new dab will be printed at the top of the remittance coupon. You will continue to receive at least 25 days from the last day of your previous billing period until your payment is due. M1 0140 inance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fa Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $4279.19 0.07942% 28.99% F 28.99% $98.54 $0 Cash Advances $215.77 0.07942% 28.99% F 28.99% $4.97 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. If there is more than one page to this billing statement, we the beck of each page for additional important irdamation. See your Cardmenber Agreement Your Cardmenber agreement contains all the terms Of your Account. Lost or stolen cards. Report i mediatelyl Cal I-M-347.2683 Ming Rights Summary. In Case of Errors or QuestionsAbout Your Bill: If you lwik your bill is wrong, or if you need more nfamatan abed a transaction, on your bill. write us on a separate sheet of paper at Discover. PO Box 30421. Sale Lake City, UT 04130-0421, as soon as possible. We roust hear from you no later than 60 days after we sent you the IN bit on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your killer, give us the following information: Your name and Account number The dollar amour of the suspected hrror Describe the am and explain, t you can. why you believe two a an surer. H you need more information. describe to item you are unsure about. You do not have to pay any smarm in question while we are investigating, but you are sill obligated to pay the parts of you bill that are not in question. While we nvestlgaw you question, we cannot report you as delinquent or take any action to soled the amount you question. Speoliel Rake for Crerpt Card purchases: t you have a problem with to quality of goods or services tial you purchased with a credo card and you have tried in good kC to correct the problem with the merohant, you may not have to pay the remaining amount due on de goods or services. You have tis protector, only when the purchase price was more tam $50 and the purchase was made in you home stale awl m 100 miss of you meiling address. (t we own or operate the merchant, or t we mailed you the advertisement for the good or services, at the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and the lop portion of the sta lwy ant in to envelop provided. Do not send cash. By sen&V yar check as described above, you sutarize us to use inkxmarwn on you check to make and electronic kmd sarrsfer from you account at to financial insolulion indicated on you check or to process the payment as a check transaction. If the psynrent is processed as an electronic kind berates, the banslair will be for the amount of the died. When we use inlomwion ban your check b make an electronic lead transfer, hods may be withdrawn from you account as soon as the sane day we receive your psynanl, all you will not receive your check back Irom your financial institution. The pwcessi g of ycw payment maybe delayed if you send cash. uespo Bence or other teiii with you payment if you send tw pay ;ierl t any other ahihvss a n you use an envelope other dart the one provided. Payments received in proper form at our processing faulty by 5PM kncal we an any day will be cxediad to your Account as of that day Payments received at our processing facility after 5PM local cone wi be credited to yourAaard as of the next day 11 you have misplaced your amvelope, said your paymerhl to Discover, PO Bad 6103 Card Stream. IL 601978103. Planes allow 7-10 days for delivery. If you payment is returned unpaid, we reserve the night to resubmit it as an electronic doled You can pay your mom nh payment or a greater amount over the ulephahs, and you can set tip automatic payments. Cal us at 18x0.3472683. You will need this statement and you bank account ktornhMbn. You rust erawe that sufficient lends are available in your bank account. and all bamactiors must comply with U.S. law. You will be asked to provide the lest 5 digits of you account statement ZIP code. By entering case numbers as your electronic sigroure. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize ban your bank account, and to iitiale debit or credit entries to your bank axxxnl, as applicable. to cared error in the prom" of such payment You mail col its the amWwn of each payment, or you can select an amount such as Motown Payment Due or the New Balance on each statement. You can cancel a payment. however we mat receive notice at least three buses days in advance of to scheduled payment You may nobly us by phone at 1400.347.2683 or by mad at the address listed in the previous paragraph. If your payrrenls may vary in amourd we will NO you on each monthly statement when your payment will be made and how much a will be. You Anomsec payment amount may be less than the indicated on the mostly statement based an credits or payments applied during the billing cycle. Cr"M Repwft We may report nium atiah about your account b credit bureaus. Lou payments, missed payment, or other defauk on your account may be reflected in your credit report. We normally report the status and payment history of your Account b credit reporting agencies each mash. t you believe drat our report is insomste or ncompkle, please write us at the idbvi ng address: Discover, PO Box 15316, Mmirglon, DE 198505316. Please include your name, address, lame telephone munber and Account nkmber. PERIWIC FINANCE CHAGES. Periodic Finance Charges are imposed on al transactions from the date the train sabOn a posted to your Account until the caw you pay your eere New Balance by making payments at receiving madiw. However. we will provide the kilowig `grace period" If you paid the New Balance on your pervious billing statement by the Payment Due Date shown on tal slatemahL and you pay the New Balance by the Payment Due Oats on In staemen we will not impose Periodic Finance Charges on new purchases. that is, pwcsses fist appearrg on this statement Otherwise. you will receive a billing statement next month the includes Periodic Fiance Charges on tow new purchases. There is no grace period on balance trnntlers or cash advances. We sort YOLK rrensections nib groups Of puchesea, cash advances. and balance Iii sfars and tan krther sat de trensactian within each group by their Annual Percentage Rate For example purchases subjed to a promotional no and purchases subject to standard rate would be separate groups. ft refer to these, groups as transaction calegones. At the end of each billing period, we cornpule Periodic Finance Charges for each day of to bflng period for each trarsedion category . We use to following equation to compute Periodic for each transaction category Average Deily Balance x umber of days in the telling period x Daily Paste Retie. (See the frience charge summary on yar statement for these amounts ) Then we add up the Periodic Finance Charges for each transaction category to gal the total Periodic Finance Charges for your Account The average Day Balance is shown as zero 0. because of tie grace period, no Perak France Charges apply b the balance in a transaction category. We use to Average Daily Balance Inducing new transactions) metal of celcunatng the balance upon which we repose Periodic Finance Charges. We compule de Average Daily Balance far each tansadhan category by adding up ad the daily balances in a bang period for a transaction cawgory and dividing the total by to number of dap in des billing cycle. We compute to daily balance for each transaction category on each day by feat adding the knbwirhg to to previous days duly beiance. barsaclions made that day, lass charged that day all Perak Fiance Charges scan ed on tat cloy If a transaction is posted to you Account alter the dose of the telling period in which t occurs, we will treat the transaction as having occurred on the lest day of to billing period in which n is posted to your Account Alf left p ? Acco nt are added to the standard purchase bassoon ralegary with the erceI li of Cash Advance Transaction Fee Finance Chages which are added to #a baneectah category and Balance Trencher Trensacton Fee Fnerat Chirgss which are added to the applicable balance Maker bare adiah category When the special raw expiss, we now the unpaid balance of the balance trarawr and the Balance TmWw Transaction Fee Finance Charges to to standard piedase trassdim category . However, if the spedd tale has been lamunawd under to Del" Raw Plan, we leave the unpaid balance of the betance tarswr and the Balance Transfer Transaction Fee France Charges in the applicable banaadpn category will to special rate would have expired. For TM (Telecorarwnicsi Device for the Dorf) assistance, cal ta06347.71N. Discover may monitor and/or record telephone cab between you and Discover representatives for quality assurance purposes The Discovers cad is issued by Discover Bank, Member FDIC. OlTBK107 DISCOVER $4007690 CB 19 SDSN6A01 0011525 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due i Account Number ending in 2369 $119.00 Enter Amount Enclosed Below Payment Due Date $ May 18, 2008 Please make check payable to Discover Card or pay online Q Discovercard.com. Access and manage your account at www.Disoover.com or visit m.discover.com on your mobile phone. PO BOX 71084 II{u,{{n,w{{?,?u?{u,{ CHARLOTTE NC 28272-1084 Address, e•mailortelephone change? Print change inspace (n{,{{n{nn{,{{,n{a{,{m{{{{m{??{,i{u{{n{n{,?{,{n{{ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228040769000146000011900 Discover Open Road Card Account Summary Closing Data: April 19, 2008 page 1 of 1 Account number ending in 2369 Previous Balance $4,582.07 Payment Due Dote May 18, 2008 Payments And Credits 608.51 -Minimum Payment Due $119.00 Purchases + 0.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $223.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Chafes + 103.34 Cash Credit Available $223.00 New !Balance a $4,076.90 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 17.07 Cashbock Bonus® Anniversary Month: March Keep usinngg your Discover(R) Card and watch ,your Cashback Bonus(R) grow! 1 Visit Discover corn to pay your bill for no cost, view your 'How Can We Help You? . latest Account information, cam and redeem wards and more It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347.2683) for fast, easy self-serv!ce 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) no reverse side Soh Lake City, UT 84130 ( Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. P Date Dab Payments and Credits Mar 24 Mar 24 Apr 13 Apr 13 PAYMENT THANK YOU $ 462.51 PAYMENT THANK YOU 146.00 Information For You Look for a change to your Payment Due Date next month. Remember we offer several payment options such as electronic payments through our Account Center at Discovercard.com and pay-by-phone at 1.800-DISCOVER (1-800.347.2683). 41A&Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fes Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lance Rotes RATES RATES CHefRML CHARGES current billing period: 31 days Purchases $3976.05 0.07942% 28.99% F 28.99% $97.90 $0 Cash Advances $220.97 0.07942% 28.99% F 28.99% $5.44 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. 'Visit the Discover Insurance Center to find'iigh quality protection for your family, home and auto. Request a quote online or use the Knowledge Builder to read what th i experts say about popular insurance questions. Visit Discover.com/insurancecenter today. Nnportnt information. d We is more than one papa to On Wing statement, we the back of each papa for additional important information See YOM Cardmnnba Agreement Your Cardmember agreement contaw at the lams of your Account. Lop or posten cards. Report immediately! Cal 14800.347-2683. BOW Rights Summary. In Case of Erors or Questions About Your Bill: If you h* your bill is wrong, or i you need more nkamaUat about a transaction on you bill: wrier us on a separate sheet of papa at Discover. PO Box 30421, Salt Lake City, UT 84130.0121. as soon as possible. We roust hear from you no letar tan 60 days after we sent you the first bill on which to am or problem appeared. You an telephone us, but doing so will not preserve your n"- In you letter, give us the Wowing information: Your name andAocout number The dollar smourt of this suspected error Describe the error and expll n,'d you can, why you believe tare is an error. If you need moo information. dasaibe the hem you are unsure about. You do not have b pay any amount in queskon while we are bastgoh g, bid you are sM obligated to pay the parts of you bill OW are not in question. While we investigate you question, we arena report you as delinquent or take any action b called the amour you question. Spacial Raw For Credit Card Purchases: if you have a problem with the quakly, of goods or services that you purchased with a credit and and you have tried in good lath b coned do problem with the merchant, you may not have to pay to remaining amour due on this goods or services. You have this protection any when to purchase price wee mare tan S50 and the purchase was made in you home stew or within 100 miles of your maling address. (d we own or operate the mordant or d we mailed you tla advertisement for to good or services, all the purcaes are covered regardless of to arrant or locator of to purchase.) Payments. Send only your payment and the top portion of to statement in the envelop provided. Do not send ash. By sending you check as described above, you maxims us to use iikrmatim on you dads to make and akedrow fund transfer from your account at the frontal msMrdrorh rdosled on your check or a process the payment as a deck trasaction. d the payment a processed as an electrons; fund tranaler, the In nskrwil be for to amount of to tack. When we use information from your deck to make an electronic fad haslet, funds may be witdrown from your account as am as to sane day we receive your payment, and you will not receive you dock back torn your financial institution. The prazssng of your payment maybe delayed d You send cash, correspondence or other f!ems with your payment, d you win the payment to any other aft ass or if you use an envelope other than to ore provided. Payments received in proper lam at our Processing facility by 5PM loco time on any day will be cradled to your Account as of do day. Payments received at our processing fadkly after 5PM kraal the will be credited k your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream. B 60197-6103. Please allow 7-10 days for delivery. If you parrot is returned unpaid, we reserve the right to resubmit d as an electronic debit You can pay you mimaun payment or a greater amount over the telephone, and you an ant up itoo etc psymente. Cal us at i-M-3472683. You we need his statement and your bank account nkxmelun. You must ensure to sufficient kids are aveileble in your bank account. and all transactions must comply with U.S. law. You will be asked to provide the fast 5 dgils of you account swarmed ZIP code. By ensuring Lase numbers as your electronic signature. you will be agreeing lo this autnrQeton lo allow us and your bank lo deduct each payment you audmorize from your bank account. and to astute debit or credit entries to your bade account. as applicable, to correct error n the processing of such peyttient. You mast tell us to ahhout of each paynant, or you an safe! on amount such so Wnnam Perot Due or the New Balorce on each statement. You an cancel a payment, however we must receive now at West three busineae days in advance of the scheduled payment. You may notify us by phone at 14IM347.2683 or by mad at the address Ikwd in the previous paragraph. It your payments may vary in arrant we will tell you on each monthly statement whin your payment will be made and how much t will be. Your Aubnalc payrrot amount may be less Ihen to indicated an to no" stsbment based on credits or payments applied during to birg cycle. Credit Reporting. We may report information about your account to credl bureaus. Late payments, missed payments, or odha defaults on your account may be reflected in your credit report. We namely report the status and payment history of your Aowunl lo credit reporting agencies each month. II you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316: Wiktarglon: DE 196545316. Please indde your name, address, hone lekptio a number and Account number. PERIODIC FINANCE CHAGES. Periodic Fiance Chagas am imposed on at himu clone from the doe the transaction is posted k your Account unM the date you pay you snore New Beane, by making payments or receiving malts. However, we will provide to following -grace period' If you pod to New Balance on your pervious billing slailement by the Payment Due Dale shown on that statement and you pay tle New Salience by to Payment Due Date on this stetenont we will not impose Parxi& Finance Charges on new purchases, that a. Purchases kp appearing on his statement. Oftne e, you will receive a billing statement next month that nckides Period ; Finance Chagas on those new purchases There is no grace period on baienhce transfers or ash advances. We sort you Intersections trio groups of purchases, ash advances. and balance transfers and tan further sal the tramactions within each grail by duirAnnual Percentage Rare For example purchases subpd b a promotional rare and pudases subject 10 standard rate would be separate groups. We refer to these groups as transaction cetegones. Al the end of each billing period. we oanpule Pantie Finance Charges for each day of to billing period for each transaction awgory We use to following equstim to oonpde Periodic for each transaction category Average Daily Balance x rumba of days in the billing period x Day Period: Role. (See de finance charge summary on you statement for these emou is.h T!wn wF.wW v,. mhP. PF.r•- -tic Fimante Charges for each transedfon category to get the kAM Periodic Finance Charges for your Acawnt The average Daily Balance is shown as zero d, because of der ghace period, to Periodic Fiance Charges apply b the balance in a matsaclon at". We Los de Average Daily Balance (ndkdig new tansadiaa) meted of calculating On balance upon which we impose Periodic Finance Charges. We kxmpule theAvaage Daily Balance for each Vivisection category by adding W of the daily balances in a tilling period for a transaction category and dividing the total by to rsnber of days in the billing cycle. We aompule the day balance fa each transaction category on each day by kill adding der bdlowi ng to the previous day's daily batenee, transactions made that day, lees charged that day and Periodic Finance Charges sand on tat day its transaction is posted to you Aocout o er to dose of to bulling periods Witch it caws, we will treat the transaction as laving occurred on the first day of the bilking period in which d is posted to your Account. AN s dip FdtAcoomrd are added to rie standard purchase Varaectim category with to aaaplm of Cash Advance Transaction Fee Finance Chhages which are added to de appEe?dcl6h' Ahoe transaction category and Balance iraslar Tre r mas on Fee Fnerne Charges which are added a to applfable bonne transfer traaaclnn coegay. When to special raw expires, we rove the i paid balance of to balance transfer and l ho Balance Trento Transaction Fee Finance Charges to to standard purchase transaction category . liow ever, if the special tote has been terminated under to Detain Raw Plan. we leave this upad balance of do balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction allegory all to special roe would have owed, For TDO (Tekecomaenkatbra Device for the Deaf) assistance, call 1411110.117.744t. Discover may rnontor =14or record telephone calls between you and Discover rep asenalves for quality assurance purposes The D&mwl card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER New Balance Minimum Payment Due Account Number ending in 2369 l $4,055.96 X$114.00 , Enter Amount Enclosed Below Payment Due Date June 14, 2008 Please make check payable to Discover Card or pay online ! Discovercord.com. 19 SDSN6A01 0011526 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Diswver.com or visit m.discover.com on your mobile phone. PO BOX 71084 111 ... Hill Is 11111111 11 bell CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space ?rrlrlln?urlrllnrlulrlurllllnrlnlnlnllnlnlnl??ul? above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458892412228040559600119000011400 Discover Open Road Card Account Summary Closing Dab: May 19, 2008 page 1 of 1 Account number ending in 2369 Previous Balance $4,076.90 Payment Due Date June 14, 2008 Payments And Credits 119.00 Minimum Payment Due $114.00 Purchases + 0.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $244.00 Balance Transfers + 0.00 Cash Credit limit $2,200.00 Finance Charges 98.06 + Cash Credit Available $244.00 New Balance _ $4,055.96 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 17.07 New Coshbock Bonus This Period + 0.00 Cashback Bonus Balance $ 17.07 Cashback BonusO Anniversary Month: March Keep using your Discover(R) Card and watch your Co ihk Bonus(R) growl 1 Visit Disceves•.com to pay your bill fer ns cost, view yo How Can We Help You9 . latest Account information, eom and redeem rewards aurnd more It's your choice - 3 ways to help 2. Call 1.800AISCOVER (347.2683) for fast, easy 301f service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guaranis Use your Discover Card with confidence. Dab pDa b Payments and Credits May 18 May 18 PAYMENT THANK YOU $ 119.00 Information For You •" ATTENTION • • Please note that your Payment Due Date has changed. Please pay the Minimum Payment Due by this date to avoid a late fee. 1 e Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE Balances Rates RATES RATES CHARGES _ CHARGES current billing period: 30 days Purchases $3889.87 0.07942% 28.99% F 28.99% $92.67 $0 'Cash Advances $226.39 0.07942% 28.99% F 28.99% $5.39 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information. I there's more than one page to this biting statement, as the back of each page for additional important dormation. (n See your Cardmernber Agreement You CerdmembuAgreement minters all the terms of your Amount. (n Loa or stolen cards. Report immediately! Cal 1200-347-2663, o INN" Ruglnts Shrmnnwy. In Case of Errors or Question About Your Bid: 9 you thnk you bill s wrap, or if you need more nforma i on about a transaction on your bill, write to us on a f S separate shed of paper at Discover. PO Box 30421, Sad lake city, UT 14130-0421, as soon as poesala. We must haw from you no later then 60 days after we sent you the lest bit on which the error or problem appeared. You can M*hone us, but doing so will not preserve you rights. In you letter. gate us the following nfomatia, You name and Amount number. The dollar amount of the suspected error Describe the error and explain, if you can, why you believe tvere is an ens. If you need more information, describe the item you are unsure about You do not have to pay any amount in question while we are investigating. but you are sell obligated b pay the parts of your bill final we not in question. While we rwest i you question. we cannot report you as delinque l or take any action to collect the a=nt you question. Spacial Rule for Credit Card Purchases: If you have a problem with the queGy of goods or services tat you purchased with a credit card, and you have tried in good loth to correct the prablen with the mercheni, you may riot have to pay the remaining amour due on the goods or services. You have this protection only when the purchase price was more than $50 end the purchase was made in your hone stele or within 100 miles of your mailing address. (If we own or operate the merdlwlt or it we mailed you the advertisement for the goods or services, all purchases are covered regardess of the amount or location of purchase) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you aullcnze us to use information on YOLK died No make an electronic full Vanier from you amohrn at the fkharhcal satiation indicated on you dadL or to process to payment as a check Vivisection. If payment is processed as an electronic krd transfer, the transfer will be for the amount on the dhect. Man we use information from your che& b make an electronic had transfer, fads may be withdra m from your account as soon as the sane day we town you payment, and you Whit not receive your check bark Iran your financial institution. The amp Of Your payrranl may be delayed if you send cash, oareaDondence of other darn with your payment t you send the payment b any other address or t you use an envelope other than the one provided. Payments received in proper form at our processing (eddy by 5PM local hne on any day will be credited to your Account as of that day. Payments received at our processng facility ate 5PM local tine aid be credited to yarAcomm as of ter nod day t you have nhsplaced you envelope, send you payment to Discover. PO Bor. 6103, Card Stream, If. 60197-6103. Please slow 7-10 days for delivery. It you payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay you mnrrwm payment or a greater amount over the telephone. and you can set up aromatic piny ntenb. Cad us at 14600-347.2683. You w d reed On statement and yohv bank axwurnt mormasion. You must ensure tai sufficient kinds we available in you bwnk account. and all Yasac iom must comply with U.S law. You will be eared to provide the first 5 d" of you acooant statement rip code. By awing those numbers as your electronic signore, you wig be egresng to this autlnruaiion to allow Ln and your bole to deduct each Payment you aulha¢e from your bash acoourn, ad to insists debit or credit entries to you bank ahoont as applicable, to aped an error in the processing of such payment You must tell us the amount of each payment, or you can select an annum such as the Minimum Payment Due or the New Balance on each statement. You con carrel a payman. however we must receive notice at (seat three business days n advance of this sdadhred payment. You may nottfy us by phone at 141)0-347-2683 or by mail at to address Wed in to previous paragraph. t your payments may vary in amount, we whit fed you on each maitbly statement when you payment will be made and law much n will be. Your Automatic payment amount may be less than indicated on the monthly stalehent based on credits or payments applied dhrrg the being cycle. Credit Reporting. We may report information about your account to aehit bureaus. Late payments, mused payments, or other defadte on your account may be reflected in your credit report. We normally report the states and payment history of you Accean to craft reporting agencies each mmmth. t you bel rve tlw our repel is racurae or nco plele, please write us at to following address: Discover. PO Box 15316. Milmingtah, DE 19850.5316. Planes include your name, address, hoe lelepthons rumba and Account number. PERIODIC FINANCE CHARGES. Perak Finance Charges ere imposed an all transactions from to date be transaction is posted b your Account urdA the date you pay your entire New Balance, by making payments or receit" credits. However, it you paid the New Baas on your Previous biting strta tent by the Payment Due Date shown an that statement, id you pay to New Balance by the Payment Due Data on your cu mt tailing statement, we will not Impose Periodic Finance Charges on new purchases, tat is, purchases fist appearg on the cures slNerent. We call this the grace parted. pUarwise, you will mom a Wiling statement next month that nddes Periodic Finance Chages on those new puchases There is no grace period on balance tranaters or cash advances. We sort your tsnsec9ons into groups of purchases. cash advances, and balance frasfers and than further sat the transactions within each group by lives Annual Percentage Rate. For example, purchases subect to a pronhatanal rate and Purchases subject to a standard rase would be separate groups. We refer to these groups as transactor caegaies. At the end of each billing period, we compute bafaoes and Periods Finance Charges for each ley of the biting period for Bean transaction category We use the following equation to compute Penodto Faverce Charges for each transaction calsgmy Ave* Daly Balance x amber o (days in to baMp period x Daily Periodic Rate. (You may refer to the frhans6large summery on your biting statement for these amounts.) Then we add up to Periodic France Charge a reach transaction category to get the bW Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero t, because of the great period, no Prrodrc Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new Iamisc ens) method of makxtlating the balance uporl which we impose Periodic France Charges We eonpum to Average Deily Balance fun each transaction category by adding tap all the daily balances in a bung period for a transaction category and dyvdng the Ietel by the number of days in the billing cycle. We compute the daily balance for each transaction calegory on each day by first adding the Mowing to to previous day a day balance: tranaaGimna made tat day. fees charged tat day and Penock Finance Changes ecahad on the previous day's daily balance: and by tan sub ractng any craft end payments that are applied against the balance of the transaction category onMat day In calculating the daily balance ter the flat day of to biting period, we consider, ths'previous day's balance' b have been your balance for each transaction category on the fist day of you previous billing petted. it a Iansectio is posted to you Amount after to close of the biting period in which 4 occurs, we will treat the transition as hav- ing occurred on to fast day of the b&V pend in which nt is posted b your Amount AD yy??pyyrt Account are added to the s ardard probate transaction category win to exception of Cash Advance Transaction Fee Fnace Charges which are added to the 3kiOe transition category and Balm" Transfer Transaction Fee Fna ces Char es which w dd d t t l bl b l t f g e a e o app o ica e a ance rans er transaction category. When a special balance Iars1w rate expires, we move the upod balance of the balance Iamaler and In Balance Transfer Transaction Fee Finance Charges to the standard purchase trmsecaon category . However. if the special rate has been hermrWed alder to Del" Rae Plan. we leave to unpaid tmlerhoe of the balance trarssfer and the Balance Transfer Trans- action Fee Finance Charges in, the applicable transaction category ural the special rate would have expired. For TOO (Takranuwnimatoro Oavlar for the W4 assistance, phew cad 1200347-7449. Discover may monaor ands record telephone calls behavn you and Discove representatives for quality assurance purposes. The Discover' cad is issued by Discover Bank, Member FDIC. OITBK170 New Balance DISCOVER 1 Minimum Payment Due Account Number ending in 2369 d B l l $4,196.02 $231.00 e ose ow Enter Amount Enc Payment Due Date July 14, 2008 Please make check payable to Discover Card. Minimum yment due includes a past due amount of $1 14.00. 19 SDSN6A01 0011527 Access and manage your account at RICK HOOVER www.Discover.com or visit m.discover.com 1190 NEWV I L L E RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 Illrrrll"""111'lrrllrrsl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lolr1lulrulilluilu111url(1(urlu111111((ii(rr(n(1(n(( above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228041960200000000023100 Discover Open Road Card Account Summary Closing Date: June 19, 2008 pogo 1 of 1 Account number ending in 2369 Previous Balance $4,055.96 Payment Due Date July 14, 2008 Payments And Credits 0.00 Minimum Payment Due $231.00 Purchases + 39.00 Credit limit $4,300.00 Cash Advances + 0.00 Credit Available $103.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges _ + 101.06 Cash Credit Available $103.00 New Balance . $4,196.02 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banuse Opening Cashback Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 17.07 Cashback Bonus® Anniversary Month: March 1 Visit Discover cem to your bill! for no cosh viewyour How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager i 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. PDaatte Other/Miscolaneous Jun 15 Jun 15 LATE FEE $ 39.00 Information For You ' * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. I Charge Summary Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Pe ilodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balonces Rates _ RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3872.73 0.07942% 28.99% F 28.99% $95.35 $0 Cash Advances $231.93 0.07942% 28.99% F 28.99% $5.71 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important kdotm lion. If two is more than one page to On bitig statement, we fie belt of each page for additional importard information. 0 See your Cardmember Agreement. Your CardmernberAgreenbrd cortsm d the win d your Acco nt. Z 0 Lost or stolen cards. Repot i ime6ately! Cat 1800347-2663. o Bldg Rights Summary. In Case of Err= or Questions About You Bill : 8 you drat your bill is wrong, or 0 you need more information about a transaction on your bit, wins to us on a o0 separate sheet of paper a Discover, PO Box 30421, Sea Lake City. UT 84130.0421. es soon as possble. We must her from you no brier than 60 days after we sent you the irel bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your loner. give us the following information: N You name and Account number. v The dollar amount of to suspected ens o Describe the error and explain, if you can, why you believe gyre Ia an ens. t you need more information, describe the man you are unsure about. You do not have to pay any ~ in gsstion while we we irvesbgatirg. but you are all oblgated to pay the pats of your bill that are not in question. While we iwestigee you question. we cannot report you as delinquent or lake any action to collect the amount you question. SpedW Rae for Cmdk Cud Purchases: t you hays a problan withthe qudlly d goods a services the you pxrchsaed With s mclit ord. and you have tried in good faith b correct to problem with to merchwit. you may not hoe to pay to remaining errant due an the goods or services. You have Mils poscion any when do purchase price was more then $50 and the purchase was made in you home aftte or within 100 miss d your m MM address. (t are own or operate the merchant, or Owe aaied you to sdvemaenoM far the goods or services, at purchases are covered rpaad ess of is amount or location of purchase.) Papnanls. Senn only your payment and the top portion of his eabme t in the envelops provided. Do not said ash. By sending your edtedt as described above, you suMbtze is to use idormabon on your deck b oaks an elearonc had transfer tan your account at ft financial instikibm indicated an you deck or to process the permed as a dads tansacion If payment is proomed as an electronic fwd transfer, the transfer will be for to amount an the che& Met we use idorrrabon from your died to ride an elections; lead transfer, fads may be withdrawn from your acco u ! as soon as Ire same day we receive yaw payment, and you will not receive your dock back from your financial imilitution The processing d your paynam may be delayed d you sad caste, correspondence or other items with you payment. i you sad the payment to any oiler address OF it you use an rwelope other Ran to one provided. Payments received in props form sour processing Jacky by 5PM local time an any day will be aedted to you Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Accent as Of to next day. If you have misplaced your envelope, send your paymsnl to Discover, PO Box 6103, Carol Scream, L 601978103. Flow allow 7-10 days for delivery. N you payment is returned unpaid, we reserve the 40 to resubmit n as an electronic debit. You can pay your minimum payment or a greeter amord over the We{tono, and you an set up automatic payments. Call us at 1-800347.2663. You will need this statement and your bank account information. You must ensure that suMdanl fads are avaieble in you bent soma, and all transactions must comply with U.S low. You will be asked b provide the first 5 digits of you account statement zip code. By anMinp those numbers as your ebetraric signature. you wit be agreeing to the autuorizaoon to stow us and your bank to deduct each payment you authorize from you bank account, and to iitiete debit or a" entries to you bank account, as applicable, b correct an amt in to processing of such payment. You sus( lei us to amount leach payment, or you can select an amount such as to Minimum Payment Due or the New Balance on each statement You an cartel a payment, however we must receive notice at least tree buaioss days in advance of the scheduled payment. You may nobly o by phone at 18110.347-2683 or by mad at to address listed in the premis paragraph. If your psyrnsri s may vary in amount, we will fall you on each monthly statement when your payment will be made and how much it will be. You Automatic payment arroum may be less than indicated on the monthly statement based on credits or payments applied during to bang cycle. Credit Reporting. We may repot ntamstion about your account to a" bureaus. Lee peymwb, missed paynsnb. or other defaults, on your account may be reflected in you credit report. We normally report the starts and payment Belay of your Ac oud to as& reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at fie following address: Discover. PO Box 15316. Wilmington. DE 19650.5316. Please inducts your name, address, home Iebphone amber and Account number. PERIODIC FINANCE CHARGES. Palo* Finance Cages are imposed an all transactors from the date to transecion a posted b yam Acccrad nail the date you pay your snore New Belem, by making payments or receiving craft. However, if you paid to Now Balance on your previous billing statement by the Payment Due Dale shown on that statement, and you pay the Now Boom by to Payment Due Date on you anent bung statement, we wit not impose Periodic Finance Gorges on new purchases, fiat is, purchases fast ppeaing on this current sfatenont, We at this to grace period. 01hen erse, you will receive a bdkhg steternrt next month tat. includes Periodic France Charges on Moe new purchases. There is no grace peed on balance banisters or cash advances. We sat your transactions rote groups d pudoses, ash advances, and balance transfers and then f rdw sal the transactions within each group by fief Annual Percentage Rae. Fa example, purchases subject to a prandial rate and purchases stbled to a standard rate would be separate grans. We refer to these groups as transaction categories Al to and of each billing period, we compute belences and Periodic Finance, Charges for each day of to billing period for each transaction category We use the following erFabm b ampule Periodic Fiance Charges for eacit transaction category: Average Daly Balance x nurnber of days in to billing period x Daily Penodc Rae. (You may refer to the fraaha dvvge summary on your biting stateroom for toss amounts.) Then We add up the Periodic Fiance Charges for each transaction ategory to gel the total Periodic Finance Chagas for your Accout. The Average Day Balance a shown as zero t, because of the grace period, no Periodic Fiance Charges apply to the balance in a transaction category, We Lao" Average Bogy Balonoe (inducting new aarsadions) meted d alaAeng to balaros upon which we impose Period c Finance Charges We campus the Average Day Balance for each transaction colegcry by adding up all this drily belrhas in a lolling period for a transaction category and dNldng the blur by de (amber of days in the billing cycle. We oompule the day balance or each transaction category an each day by fiat adding to folawilg to to premus day's daily balance: transactions made tan day, fees charged that day end Periodic Finance Charges accred on the previous days day balaroe: and by flan subtracting any crekib will payments tat are applied against the balance o1the transaction category on that day. In cakvebg to daily balance for the first day of is Miffing period, we cersider to'previ us day's bdwia" to have been your balance ter each iansocl on category on the last day of your previous billing period. N a tmeediah a posted to your Account alter the dose of tle bong prod in which it occurs. we will Intel the transaction as hav- ing occurred on the first day of the biig period in which a r posed b your Account At tees are added to the standard purchase Yeneadion assopy with is exception of Cash Advance Transaction Fee Finance Chagos which are added to the' eppbea? madion claim and Balrice Transfer Transaction Fes Finances Charges which are added to the applicable balance Yansler transaction category. When a repaid balance transfer rase expaes. we nave the unpaid balance of the bale ns ianaler and the Balance Transfer Transaction Fee Fiance Charges to the standard purdhese transaction calagory. However, it to special cote has been lerm i algid under to Default Rae Pion, we leave the unpaid balance of the balance transfer and to Balance Tracer Trans- ition Fee Finance Charges in the applicable, transaction category until the special tats would have expied. For TDD (Telacamwntcadons Device for the Doe) a intibuuce, planes cat 140a347.7449. Discover may monitor andlor record telephone ales between you and Discover represauakves for Witty, assurance purposes. The Discover'' card is issued by Discover Bane, Member FDIC. OITBK170 DISCOVER r-- -- -' ---- New Balance 1 Minimum Payment Due $4,062.65 i $113.00 Payment Due Date August 14, 2008 19 SDSN8A010011528 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Account Number ending in 2369 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online ® Discovercard.com. Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 1111111111 steel 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (rllrllu?ul?r?lullulrlurllllnr?ulnlullulrllul?lnll above, or go to Discover.com. Print your wmail address to receive important Account information and special offers. 000001986458892412228040626500117000011300 Discover Open Road Card Account Summary Closing Date: July 19, 2008 pogo 1 of 1 Account number ending in 2369 Previous Balance $4,196.02 Payment Due Date August 14, 2008 Payments And Credits 231.00 Minimum Payment Due $113.00 Purchases + 0.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $237.00 Balance Transfers + 0.00 Cash Credit limit $2,200.00 Finance Charges + 97.63 Cash Credit Available $237.00 New Balance = $4,062.65 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cash6ack Bonus" Opening Coshback Bonus Balance $ 17.07 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 17.07 Cashback Bonus® Anniversary Month: March Keep using your DlscoVW(R) Cord and watch your Cashbock Bonus(R) growl How Can We Help You? 1 Visit Discover com to pay yaw bM for no test, view ur latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8001XSCOVER (347-2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager Please have Discover Card available. your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Payments and Credits Jun 28 Jun 28 PAYMENT THANK YOU $ 114.00 Jul 4 Jul 4 PAYMENT THANK YOU 117.00 inance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FRVANCE HNANCE Bakmces Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3860 Ol 0.07942% 28.99% F 28.99% $91.97 $0 Cash Advances $237.x2 0.07942% 28.99% F 28.99% $5.66 $0 The rates that apply to your Account a •i either fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases b,r amount, description or category? You can - r ester at Discovercord.com to view your purchases online 03 for bock as 1 ? months. Loam more at Discovercard.com/purchases frnportant Information. K there is more Vtan one page to In billing statement, a" the beck of each papa for add4anN important information. fA See you Crbrhrnber Agrarront Your Cardrrharrbar Agreement cenlsns all the terms of your Accocint m Lost or stolen cards. Report immediale yl Cal 1.600.341.2683. a WON Righb Stationary. In Case of Errors or Questions About Your Bill: tyou unto your bit is wrong, or if you need more information about a transaction on you bill, wrtle to us on a 0 separate sheet of papa at Discover. PO Box 30421. Sak Lake City. UT 84130.0421, as soon as possible. We asst hear from you no later than 60 days after we sent you to feet bill at 0 which the error or problem appeared. You can telephone ern, but doing so will not preserve your rights In your latter, give us the following nfornation: on You name and Account nunhber o0 The dollar amount of the suspected error Describe the error and explain. if you can. why you believe there is an aria. If you need more nionnalon, describe the item you are unsure about You do not have No pay any amount in question while we are investigating, but you as stiff oblpared to pay the parts of you bill het are not in question. WIWe we imiestigam your question. we cannot report you as delinquent or take any aeon b coped he amount you quesYah. Special Rule far Credit Card Purchases: If you have a problem math do quality of goods or services that you purchased with a credit card. and you have tried in good fain to correct the problem with the mrdha t. you may not have to pay the remaining moil due an fare goods or services. You have his protection only when he purchase pars was more than $50 and to purchase was made in your home state or within 100 miles of you maing address. (K we own or operate the merchant, of if we malted you to advertisement for the goods or services, all purchases are covered regardless of he amount or location of purchase.) Payments. Send only your payment and tle atop portion d tuts statement n the envelope provided. Do not fiend cash. By sending your check as described above, you suhrue us to use Nrnmlbn on you deck to make an electronic mud transfer from your account at he f rarhdel institution indicated on your c had or to process are payrrwn as a check transaction. If peynent is processed as an electronic fund transfer, he transfer will be bras trout an the ofnerk When we use infomrolon from your deck to make an electronic fund transfer funds may be withdrawn from your account as soon as are saute day we receive your payment. and you will not receive your deck beck from your linarioial institution. The processing of you payment may be delayed f you send cash, oonasponchm or other ileum with you payment, f you send the payment b arty otter address or if you use an envelope other than the one provided Payments mceived in proper form at our processing tacitly by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing Lhclity after 5PM ionat tine will be cr edited to your Account as of the nand day. K'yuu lave misplaced your envubprE, swid your payment to Discover. PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. I your payment is retuned unpaid, we reserve the oft to resubmit it as an electronic debit You can pay you mirhanum payment or a greater amount over de telephone, and you an set up automatic payments. Call us at 1.800-347-2683. You will need awe statement and your bank account information. You must ensure that sufficient kids are available in you bank amount, and all transactions must comply with U.S. law. You wit be asked to provide to first 5 digds of your account settlement zip code. By enterag hose numbers as you electronic signature, you will be agreng to hs authorization to allow us and your bank to deduct each paynent you auticim from you bank account, and to irwtiars debit or credit envies to you be* account, as applicable, b correct an w or in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Minmm Payrtnnt Due r he New Balance on each statement. You can cancel a payment, however we must receive notice at best three business days in advance of tle scheduled payment. You may nolay ern by photo at 1300347.2663 or by mail at he address listed in he previous paragraph. If your payments may very in amount, we will tell you on each monthly statement when your papent will be made end how much it will be. You Automatic payment amount may be less han indicated on the monthly staemant based on credits or payments applied during to billing cycle. Credk Repor". We may report information about you accost b relit dream. Late psymann, missed payments. or other data& on your account may be mW*d in you credit repot We normally report the status and payment history of you Account to credit reporting agencies each month. K you believe fro our report is inaccurate or incomplete. phase write us at to fotowrg address: Discover. PO Box 15316. Wilmington. DE 19650-5316. Please nduds you name, address, hone telephone nmber and Accent number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from t e deb Me ran sadim s posted to your Account until the dare you pay your entire New Balance, by making payments or receiving credit. However, if you paid to New Balance on you previous 60V statement by the Payment Due Date shown on that statement, and you pay he New Balance by the Payment Due Dab on your current telling statement, we will rot impose Periodic France Charges on new purchases, that is. purchases fist appearing an to cured statement. We call to the grace period. Otherwise, you will receive a bdrg statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sat your transactions into groups of purchases, ash advances, and balance transfers and then fturther sort the transactions within each grip by her Annual Percentage Rate For example, purchases subbed to a promotional rate and puudeses sub)act b a standard rate work be seprare groups. We refer to gem groups as transaction categories. At the end of each berg period, we compute balances and Periodic Finance Charges for each day of the bring period for each transaction category . We use to fallowing egluelon to compute Periodic Fnrtce Charges for each trartsection category: Average Daily Belaoe x rumba of days n the billing period x Daily Periodic Rate. (You may refer to he finance charge summary on you billing slabmermt for these amounts.) Then we add up to Periodic Finance Chagas for each Vasadim category to get the brat Perodic Fnaoe Charges for your AccowhL The Average Dairy Balance is shown as zero it, because of he grace period, no Periodic Finance Charges apply to to balance in a transaction category. We use tle Average Daily Balance (rtduudng new transactions) mehad of calcui" the balance upon which we impose Periodic Finance Charges We kompule the Average Daily Balance for each transaclat category by adding up all the daily balarwas in a billing penod for a transactors category and dividing to blal by the number of days in the bilking cycle. We colnplnle the daily balance for each transaction category on each day by *9 adding to blowing to the previous day's daily balariew transactions made that day, tees charged that day and Period c Finance Charges awned on the previous day's daily balers: and by then subracMg any credits ad psymraa the we applied against the balance of to transaction category on that day. In calauladrg to defy balance for the fret day of the billing period, we consider Ihe'prevous days balance' to have barn your balance for each transaction category on the last day of your Previous billing period. K a transrlon a paled to your Account alter the dose of the tiling period in which it occurs. we will treat the transaction as hav- ing occurred on the first day of to billing period in which t a posted b your Account. p?rt Acco rt are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Fiance Charges which are added b the ifuiDe frarsadim category and Balance Transfer Transaction Fee Frwass Charges which are added to the applicable balance transfer le ausadion category. When a special balance Varner rate expires. we move to unpaid balance of the balance transfer and to Baiacia Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, a to special nab has been brmrtated under to De" Role Plan, we lees to unpaid balance of the balance transfer and he Balance Transfer Tran action Fee Finance Charges in the appVable transaction category until the special rate would have expired. For TDO (Telecommunications Device for the Dun assistance, please call 1400.347-1449. Discover may monitor and/or record telephre calk between you and Discover representatives for quality assurance purposes. The Discover card is issued by Discover Bank, Member FDIC OITBK170 New Balance Minimum Payment Due Account Number ending in 2369 DISCOVER $4,202.87 $230.00 Enter Amount Enclosed Below Payment Due Date $ September 14, 2008 Please make check payable to Discover Card. Minimum payment due includes a past duo amount of $113.00. 19 SDSN6A01 0011529 RICK HOOVER 1190 NEWVILLE RD - CARLISLE PA 17013-1739 Access and manage your account at www.Disoover.com or visit m.discover.com on your mobile phone. PO BOX 71084 11111111.,rrrs111111111srr1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (??)()rrlrrilrllrrr)ri?rlrril)llrirlrilrtlrrllrrlrr(rr(ilrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228042028700000000023000 Discover Open Road Card Account Summary Closing Dale: August 19, 2008 page 1 of 1 Account number ending in 2369 Previous Balance $4,062.65 Payment Due Date September 14, 2008 Payments And Credits 0.00 Minimum Payment Due $230.00 Purchases + 39.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $97.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Fiance Charges + 101.22 Cash Credit Available $97.00 New Batons $4,202.87 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bmuse Opening Cashback Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Coshbadc Bonus Balance S 17.07 Cashback Bonu36 Anniversary Month: March How Can We Help You? 1 Visit Discover cons to pay your b8 for no cost, view your latest Account information, earn and redeem rewards and more 'It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347-2683) For fast, easy sellsovice M anager options or to speak with a Customer Service Account Please have your Discover Card ovailable 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Other/Miscelaneous Aug 1 S Aug 15 LATE FEE $ 39.00 Information For You "' • ATTENTION •' * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Discover(R) Card proudly supports Junior Achievement, dedicated to teaching K-12 students how to be workforce ready, 'entrepreneurial, and financially literate. Contribute yaw Cashback Bonus(R) to Junior Achievement and Discover Card will 'add an additional 20%. Visit www.discovereard.com or www.la.org. %ra611YAM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balpoke; Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3867.99 0.07942% 28.999. F 28.99% $95.23 $0 .Cash Advances $243.44 0.07942% 28.99% F 28.99% $5.99 $0 The rates that apply to your Account are either fixed (F) or Hwy may vary (V) as noted above. Important Information. I two is more tan one page No this balling statement, see On beds of each papa for ed&wW important information. m O See your Cardmember Agreement Your CardmenberAgreenent contains of to tams of your Account Z Lost or stolen cards. Report inmodietelyl Call 1804347.2683. m o BMIM Rights Summary . In Case of 6nore or Questions About Your Bill: t you twdi your bill is wrong, or t you road more information about a transaction an your bill, write to US on a g eapost& sheet o (paper of Discover. PO Box 30421, Sell Lake City UT 841304421. as soon as possible. V% must tear from you no later tlen 60 days aler we we you the first bill on which the error or problem appeared. You can teloplele us, but doing so will not preserve your rights. In your left, give us ft followig eilormaAOn: kn Your tame and Assert number. The dollar arno nit of the suspected agar ' Describe this error and explain. d you can. why you believe here s an error I you need more information, describe the min you are unsure about. You do not have to pay any amount in question while we are investigating, but you are mll obligated to pay the parts of your bill tat are not in question. M We we investigate your question, we cannot report you as delsque t or take any actin to collect the smout you question. Special e for Purchases: If?how a problem. Leah the quality of goods or services tat you purchased with a credr card, and you have Weed in good too to correct you may pay renemi g amount due an the goods or swipes. You have tie prouicson only when the purchase price was more than 550 and the purchase was made in your horse slate or within 100 miles of your nailing address. (1 we own or operate the merchant, or if we mailed you the adherownerd for the goods or services, all purchases are covered regardless of the amount or location of pudass.) Parr arts. Said only, your paynnent and the top porfon of On stMenrt in to envelope provided. Do not send cash By sending your deck as described above, you &show us to use nformetbn on your deck to make an deWOric fund Warta from your account af to fiends M WAAM indscaNd on your deck a to process the peyrrim as a dock transaction I payment is processed as an electronic fund transfer, to senator wit be lot the smout on the deck. When we use information from your check to make an electronic lend trrnter, furls may be wet kwm from your account as soon as to acne day we mom your payment, and you wig ore receive your died bad from you financial nstikmm. The processing of you payment may be delayed it you send cash, owespo Berm or other item with your payment f you std the payment to any other address or it you use an envelope other than the one provided. Payments received in proper form of our pnocasaag fafjty by 5PM local time on any day will be credited to your Account as of tat day. Payments received at uw pruu ,ling tacky am 5PM Ioca ante coif be credited to yokrAccou i as of the next day. I you have misplaced your envelope, send you payment to Discover. PO Box 6103, Carol Stream, b 601976103. Please allow 7-10 days for delivery. K your payment is retuned taped, we reserve to right b resubmit it as an electronic debiL You con pay your nwninum payment or a greater amount over the telephone, and you con set up eahpmesc payments. Cal us at 1.800-347.2663. You will need this stetrmwni and you balk amount ifamatin. You must enure that skfficierf furls we ovamble in you bank account, end all Wan sections must oomply with U.S. low. You will be asked 1) provide Me lest 5 dgi of you soma t statement zip code. By entering those nribers as you ekcrossc signaare, you ill be agreeing to #is WtMlMUM to slow US and your bark b deduct each payment you outorize from you brfk socart, and to iwote debit or as& Arise to your be* cauaf, as applicable, b correct an error in the processing of such psymo u. You must. 190 us the amount of each psyrtent, or you can soled an amount such as l he Wanum Payment Due or the New Selaoe on each statement You can concel a payment, however we must receive raw at West free business days in advance of the scheduled psymant You may nobly us by phone at 1-000-347-2683 or by mad at the address food in tw previous paragraph. I your payments may vary in amount. we will tell you on each no" debenent when your payment will be made and how much i will be. Your Automatic payment amount may be loss tan indicated on the monthly statement based on credits or payments applied during the Ming cycle. Credit Reporting. We may report information about your amount b crack bureaus. Late payments, missed payments, or other defouLL+ on your accent may be reflected in you credit report We normally report to status end payment history of you Amount to credit reporting agencies each month. I you believe that our report is iaxuso or berbe. us at the following address: Discover. PO Box 15316. WMengon, DE 196545316. Pews include term, address. home W incomplete, please contra your bplars number and Acoournt number, PERIDDIC FINANCE CHARGES. Periodic Franca Charges are imposed on all Dissections Oran the date the MwAac on is posed to you Account urd to date you pay your entire New Balance, by making payments or receiving craft. However, if you paid the Now Balance on your proms bring aaomert by the Psymrd Due Deal shown on that statement, and you pay Ma New Balance by On Payment Due Date on your current telling statement we will not Impose Periodic Fiance Charges on raw purchases, that is, purchases first appearnrt on the curet statement. We cal ibis the grace period. Otherwise, you will receive a billing statement near month Mat includes Periodic Fiance Charges on Morse new purchases. Thera is no grace period on balance transfers or cash advances. We sort you transactions Who groups of purchases. rash advances. and balance Wastes and than Irther sat the transecsons within each group by their Ansel Percentage Rao. For example, purdmn stbjed b a p wwbonal rate and pudases subject o a slrhdad rap would be separate grails. We rear totem groups as transaction categories. Atto end of each billing period, we conphfle balances and Periodic France Charges or each day of to billing period for each transaction category. We use the following equaton to co" Pandit Finance Charges for each tansecdm category: Average Deily Balance x number of days its to billing period x Deily Periodic Rate. (You may rater to to finance dirge summary on you billing statement for these smakrls.) Then we add up to Periodic Fiance Charges for each transaction category to gel tore trial Periodic Finance Charges for your Acco rx. The Average Day Balance is dawn as zero if. because of the grace period, no Periodic Finance Charges apply to to balance in a traneaaan call" We use the Average NO V 831ance (including new transactions) method of cdcuteag the balance upon which we impose periodic Fiance Charges. We compute the Average Day Balance lot each transaction category by adfrg up ad it* daily balances in a billing period for a transaction cob" and dividing the Ida by the dumber of days in the bftV cycle.'/,e Compute the daily balance for each transaction category on each day by feet adding the foflOAAhg b Me previous days daily balance: Wersatcams made heel day, fees chrged tat dad and Periodic Fiance Barges accrued onto previous day's daily balance: and by them tedi eliimg any credits and payments that are applied against the balance of the transaction category on that day. In calculating to daily beonce for the first day of the billing period, we consider the -previous day's baance' to have been your balance for each Wansactin category on the last day of you proms billing period. II a lensadim lie posted to your Account after the dose of to billing period in which il occurs. we will treat the transaction as he, rig occurred on the fist day of the billing perbd in which 4 a posted No your Amount. N foes y?hejgg s runt are added to lore standard pub transaction category with the exception of Cash Advance Transaction Fee Fiance Charges which are added to thrc apps eediarh category and Balance Transfer Transaction Fee Finances Charges whin are added to to applicable balance transfer transaction caWgory. When e special balance trrwler rate expires, we move to unpaid balance old* balance transfer end to Balance Transfer Transactin Fee Faience Charges b the standrd purchese transadim category However, I the special rate has been terminated under to Default Rao Plan, we leave to unpaid balance of the balance transfer and to Balance Transfer Trans- action Fee Fiance Charges in the applicable transaction category sore the special tab would have expired. For TDD (Telecommmnicallom Device for the D*A assistance, piece call 1 04347-7440 Discover may monitor andfor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover- card is issued by Discover Bank, Member FDIC. OITBK17P New Balance Minimum Payment Due Account Number ending in 2369 DISCOVER $4,074.86 i $117.00 Enter Amount Enclosed Below Payment Due Date $ October 14, 2008 Please make check payable to Discover Card or pay online @ Discovwcord.com. 19 SDSNSA01 0011530 RICK HOOVER Access and manage your account at www.Discover.com or visit m.discover.com 1190 NEWVILLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 11111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?nli??ulur?rl?ur?n?r?nxl?l?nr?u?n?rrl?n?n?ulr?n?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228040748600117000011700 Discover Open Road Card Account Summary Closing Date: September 19, 2008 page 1 of 1 Account number ending in 2369 Previous Balance $4,202.87 Payment Due Date October 14, 2008 Payments And Credits 230.00 Minimum Payment Due $117.00 Purchases + 0.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $225.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 finance Charges __ _ + 101.99 Cash Credit Available $225.00 New Balance $4,074.86 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonov a Opening Cashbock Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 17,07 Cashback Bonus® Anniversary Month: March Keep using your Discover(R) Card and watch k your Cashboc Bonus(R) growl How Can We Help You? I Visit Discowr.cem to pay your bbl for no cost, view r latest Account information earn and redeem rewards and more s to hel It's our choice - 3 wa , 2. Cal 1.8MDISCOVER (347.2683) for fast, easy self-service p y y Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3 For TDD assistance for hearing see reverse side . Write us at Discover Card, PO Box 30943, ( impaired) Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Doh Payments and Credits Aug 27 Aug 27 PAYMENT THANK YOU $ 113.00 Sep 14 Sep 14 PAYMENT THANK YOU 117.00 Finance Charge Summary fifer offer for current billing period: Daily Periodic Rate: 0.02189% ; corresponding ANNUAL PERC ENTAGE RATE: 7.99%. Rate is subied to the tsnns of the offer including expiration. Nominal Transaction Averaf,is Daily ' ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FMiANCE BaldM 0- ,. Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3892.85 0.07942% 28.99% F 28.99% $95.85 $0 Cash Advances $249.50 0.07942% 28.99% F 28.99% $6.14 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Ready for football season? Get everything you need for the big game and earn 5% to 20% Cashback Bonus(R) when you shop online at over 100 top retailers li;e Circuit City, Sports Authority and Omaha Steaks through ShopDiscover Visit Shop,Discover at Discover.com/shop todayl Important Information. If there is more than one page to this billing statement, see the beds of each page for additional orporant information. See your Ca?drnember Agrament. Your Cardmember Agreement contains all the lens of your Account Loot or stolen cards. Report inrnedslaly! Call 1.600.341.2683. Billing Rights Summary. In Case of Errors or Questions About Yar Bit: If you Iink your bill is wrong, or 0 you need more nlonneoon about a transaction on your bill, write to us on a o0 separate sheet of paper at Discover. PO Box 30421, Salt Lake City UT 84130-0421, as soon as possible. We must hear born you no later than 60 days after we sera you 14 first bill on vdsdh the errs or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number. c The dollar arrout of the suspected error Describe the error and explain. t you can. why you bekeve there is an error. If you reed more nfomratar, draft the item you are unsure about You do not have to pay any amount in question while we we irweskp lit g, but you are sell obligated to pay to parts of your bit that are not in question. While we nvessgele your questoh. we carnal report you as debrpueaN or take any action to eolm the annou nt you question. SpecW Rule for Crsdh Card Purchases: If you have a problem with the quality of goods or services thel you purchased with a credit card, and you have tied in good faith to correct the problem with the merchant, you may rho[ have to pay to remeirng amain due an tla goods or aervices, You have this protection only wtan the purchase prat was more than $50 and the prachese was made in your hone state or within 100 miles of your waiting address, (t we own or operate the merchant or it we mailed you the advertisement for the goods or serwus, all purcases are covered regardless of the amcurdpr location of pudnsse.) Payments. Send orgy you psymenl and the lop paean of that Marriott in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your dad" to make an electronic fund transfer from your accent at the financial imeYArm ahosled on your check or to process the payment as a died transaction. If payment is processed as an electronic fund tersler, to transfer will be lot the smout on the deck. When we use information from your check to make an electronic fund transfer, finds may be withdrawn tom your account as soon as the same day we receive your payment and you will not receive your tack back from your financial institution. The processing of your payment may be delayed I you send cash, coneepaderoe or other On with your paytrhant, t you send the payment to any other address or if you use an envelope other tan the one provided. Payments received in proper form at our processing facility by 5PM beet time on any day will be credited to your Account as of that day Payments received at cur processing fecgity, after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover. PO Box 6103, Carol Stream, It 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve to right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount war the telephone, and you can set up atomic payments. Cal us at 1-800-347-2683. You will need On statement and your lade e>cou t idorrmaien. You must ensure that sufficient furls are available in your bergs avant, and all transactions must comply, with U.S. law. You will be asked b prude the first 5 digas of your aceourt shoo nhent zip code. By a" those umbers as your ebdraue signature. . you will be agreeing to this authorization to slow us and you bents to deduct each payment you autiorize from your bank account, oral to iniafe deMa or a" entries b your bath aomm* as applicable, to oared an error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as to Miinanh Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at least tree business days in advance of the scheduled payment You may ratify us by phone at 14100347-2683 or by mail at the address killed in to previous paragraph. I your payments may very in amourhL we will tell you on each monthly statement when your payment will be made and how much it will be Your Automatic payment amount may be less than indicated on to monthly statement based on credits or payments applied during to biting cycle. Crsdt Repoithg. We may report information about you account to aedd bureaus. Late payments, missed psymeros, or other details on your accent maybe reflected in your cracht repot. We nonaly report to status and payment history d yourAacard to credit reporting agencies each monde. If you behave that our report is inaccurate or incomplete, please write us at the fobwirg address: Discover, PO Box 15316, Wiringon, DE 19850-5316. Please include your name, aoldress, home telephone mnnber and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges as, imposed on all transactions from to date the transaction is, posted to your Account until the dab you pay your entire New Balance, by meting payments or rooewr%credits. However, it you paid the Now Balance on your previous billing statement by the Payment No Deb shown on that swoment, and you pay to New Balance by the Payment Due Date on your current bang stebrnent, we will not impose Perak Finance Charges on now purchases to is, purchases first appearing on the current statement. We cat this to grace period. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort you transectbns ego grails of purchases. cash advances, and bal mos transient; and tan further sat the transactions within each gap by tale Annual Percentage Rate. For example, purchases subject b a portal «hal rate sal purchases subject to e standard rate would be separate groups- We refer to these gags as transaction categories. At the end of each bitting period, we compute balances and Periods France Charges for each day of the bOM period fa each transaction category. We use tle following equation to eonpuu Periods Finance Charges for each transaction category: Average Daly Balance x number of days in to billing period x Only Periodic Rae. (You may teler toga finance charge summary on you billing sielanem for these amounts.) Then we add up to Periodic Finance Charges for each transaction category to get to btal Psniodic Finance Charges for your Account The Average Dray Balance s shown as hero t, because of rill pace period, no Periodic France Charges apply to the balance in a transaction category. We use the Average Daily Balance (inducting new transactions) me" of calculating the balance upon which we moose Periods Fnaoce Charges We comp, its to Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the [otal by the number of days in the billing cycle. Ae compute the daily balanhce for each transaction category, on each day by lest adding to fo m%b the previous day's daily balance. transactions made that day. lees charged that day and Peniodc Fnenee Charges aeonsd on to pervious day's daily balance; and by can subtracting any credits and payments tat are applied against die balance of to transaction category on tat day. In calculating to daily balance for the first day of the Wing period, we comider do -previos day's balance- to have been you balance for each transaction category on the lest day of you previous billing period. t e transaction is posted to you Accent after the case of the billing period in which it occurs. we will treat the transaction as hav- ing occurred on tle first day of the billing period in which it a posted b your Aocarg. N few ?n?Axant are added to to standard purchase transaction category with to exception of Cash Advance Transaction Fee Finance Charges which are added to is appie? transaction coogoy and Balance Trader Trwation Fee Fiances Charges which are added to to applicable balance transfer be eacion category When a special balance senator rate expose, we men is unpaid balance of to balance senator and the Balearics Transfer Transaction Fee France Charges b to standard purchase transaction category However. if tla special refs has been terminated under IN Default Rate Pan, we leave the ulped balance of the balance transfer and [he Balance Transfer Trans action Fee France Charges in the applicable traneachon category unit Be special nb would have expired. For TDO (Telecommunicado s Device for the D*A asaleWnce, plan cat 14t0033t7.744I. Oieoover may monitor ardfo record telephone ate between you and Discover npeaetatives for quality assurance purposes The Discover, card is issued by Discover Beek, Member FDIC OITBK170 DISCOVER $4Now Bal ,055.33ce 19 SDSN6A010011531 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due, Account Number ending in 2369 $113.00 Enter Amount Enclosed Below Payment Due Date November 14, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. Access and manage your account at www.Discoveccom or visit m.discover.com on your mobile phone. PO BOX 7 1 084 I11 ssr1111n11 rlllrlsrllr111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your eanail address to receive important Account information and special offers. 000001986458892412228040553300117000011300 Discover Open Road Card Account Summary Closing Date: odober 19, 2008 page 1 of 1 Account number ending in 2369 Previous Balance $4,074.86 Payment Due Date November 14, 2008 Payments And Credits 117.00 Minimum Payment Due $113.00 Purchases + 0.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $244.00 Balance Transfers + 0.00 ,Cash Credit Limit $2,200.00 Finance Charges 97.47 + Cash Credit Available $244.00 New Balance _ $4,055.33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashba& Bonuse Opening Cashbock Bonus Balance $ 17.07 Now Caahbock Bonus This Period + 0.00 Cashback Bonus Balance $ 17.07 Cashback BonusO Anniversary Month: March Keep usi your Discover(R) Card and watch your Ca h k Bonus(R) growl How Can We Help You? I Visit Diseovercom to pay year 141 for no test, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy W&nrvice 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) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. P t Dat e Payments and Credits Oct 12 Oct 12 PAYMENT THANK YOU $ 117.00 Information For You Balance Transfer offer(s) for current Ming period: Daily Periodic Rate: 0.02189%; corresponding ANNUAL PERCENTAGE RATE: 7.99%. MVWCharge Summary Nominal Tronsoction Average Daily ANNUAL ANNUAL Periodic Fw Daily Periodic PERCENTAGE PERCENTAGE FINANCE FMJMICE Baksncs Rates RATES RATES CffARGES CH880E;? current billing period: 30 days Purchases $3835.23 0.07942% 28.99% F 28.99% $91.38 $0 'Cash Advances $255.61 0.07942% 28.99% F 28.99% $6.09 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Irnportaal Wormodon. 9 here is more than one pegs to In bilag stale ment, see the back of each papa for additional mportaru nkm aton. En a See your Cardmember Agreement. Your Cardnember Agreement arrha ns at to tarns of your Accent Z m Lost or stolen cards. Report i auxMiely! Call 1400.347.2683. on Biting Rigfna Summary. In Case of Errors or Questions About your Bit: 9 you pink your bill is wrong. or it you need more inmnstiath about a transactiononyaw bi. writo b us ons g separate sheet of papa at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, 8a soon as possible. We must hear tom you no later than 60 days aW we sent you the lest bill on which to era or problem appeared. You can blepbow us, but doing so wit not preserve your rghita. In your lento, give us tle MOWN i4mnallon: Your mane and Account number. The dollar amount of the suspected error Describe the error and explain. t you can. why you believe there is an ems. O you need more kilmuborn, describe the gem you are unsure about. You do not have to pay any amount in question while we we in veatigetig, !era you we VA obligated b pay de pads of your bill tat are not in question. White we nveatigate your gkestim. we cannot report you as delinquent or lake any action to cried he amount you question. Special Rub for Credit Card Purchases: If you have a problem with to quality of goods or services that you purchased with a credo card, and you have tried in good lath to correct the problan with the merchant, you may not have to pay the remaining amount due on to goat or services. You have to protection only Am do purchase pis was more than $50 and to purchase was made in your home slide or within 100 miles of your me ft address. (9 we own or operate the merdhant or t we mailed you he advertisement for the goods or services, all p tdiases are covered regardless of the anhantor location of purchase.) Payments. Send only your payment and the top portion of this sfatane t in In envelope provided. Dc not send cash. By sending your deck as described above, you authorize us to use nbrmatm on your dark to make an electronic had tansla from you account at to financial ihsoLtion indicated on you deck a to process he payment as a dealt transaction If payment is processed as an ebctrarc kind transfer. the transfer will be for the amour an the deck. When we use information tom your dnedt to male an electronic fund transfer, lu ds may be withdrawn tan your amount as soon as to sar a day we receive your payment, and you will not race" your died beck from your buroal institution . The prooessig of you payment may be delayed it you send cash, oaroapordence or ohs gema with your payneN. A you send the payment to any other address or A you use an envelope other I= he one provided. Payments received in proper fern al our processing facility by 5PM local sine an any day will be audited b yourAeceunt as of het day Paynsnl received at our processing facility after 5PM local time will be aedted to your Account as of to next day. If you have misplaced your envelope, send your payment to Discover. PO Box 6103, Cad Steam. IL 601974103. Please allow 7-10 days for del very 8 your payment is rehrmed unpaid, we reserve the rot to readmit it as an electronic debit. You an pry your minnum payment or a greater amount over the telephone, and you can set up aubrnaic payments. Call us at 1400-347-2683. You will need tuns statement and your tank amount information. You must ensure that sutieed funds are available in your ban account, and all transactions must comply win U.S. low. You v all be asked b provide the first 5 digits of you account statement zip code. By entering two numbers as you eleotiahc sigrokre. you will be agreeing to to auAhoraetbn to allow us and your belt to deduct each payment you aMhaixe from your bw* aoooua, and to imbele debit or cmdn entries to your bad account. as applicable, b correct an armor in to processing of such payment. You must fall us the amount of each payrnat, or you an select an anon such as he Minimum Payment Die or he New Balance on each Waiem You can anal a psyme however we must mosive notice at bast tame business days in advance of the scheduled payment. You may rattly hs by phone at IMD-117.2683 or by marl at the addess listed in the previous paegraph. if your payments may vary in amount, we will tell you on each No" statement when your payvrent will be made and how much it will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied drip the Ming cycle. Crack Reporting. We may report kdanatm about your ac ouN to as& bureaus. Lab payments, missed payments, or ether defeulb on your accent may be reflected in your credit report. We normally report the states and payment history of you Aeoonrn te credit repatig agencies each month. It you believe Out our repro is inaceuate or noarpbb, phase write us d to blowing address: Discover. PO Box 15316, Wit i ngim, DE 19850.5316. Please include your norms, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed an all transactions from lie date to transaction a posted to your AomA until the dab you pay your entire New Balance, by mating payments or receivig credits. However, it you pod he New Balance on your previous WV setenent by to Payment Due Ddb shown on that sudernea. ant you pay 9e Now Balance by the Payment Due Dele an your curet burg statement we will not impose Periodic Finance Chagas on new purchases, to is, purchases first appear"j on the current sldanent. WO ail his to grey period. Otherwise, you Will Mom a billing slalomed next month to includes Periodic Finance Charges an hoe new purcases. The( a no grace period on belaoe treaters or cash entrances. We sort your bansactias trno grails of purchases, ash advances, and balance tranalers and then in er son the transactions within each group by has Annual Perantsge Rate. Fa example, purchases abject to a promotional rate ant purchases subjed to a - - IP l 'rate world be separate groups. We refer to these groups as transaction categories. At he end of each bung period, we compute balances and Pock Finance Charges for each day of the billing period for each transaction category We use the olo" equation to compute Periodic Finance Charges for each tasactm ategay: Average Deily Balance x number of days in to biting period x Daily periodic Rate. (You may refer to to fiance charge summary on your Ming staement far these amours.) Than we add up tiro Penodc Finance Ghaigea for each transaction category ID get the total Pei Finance Gages or your Account The Average 0* Balance a shown as zero it, because of to grace period, no Periodic Fiance Charges apply to the balance in a transaction category . We use the Avcvnlye Drain Balance (iwduft new transactions) meted of calmdafing the borne upon wfirhn we impose Periodic Finance Charges. We compue the Average Daily Balance lot each ua awbon categmr by addling up at the daily balances in a billing period for a transaction category and dividing the teal by to amber of days in the billing cycle. We compute the daily balance for each trasadm category on each day by first adding the following to he previous day's daily balance: Varhsettrona made that day, bee charged dot day and Periodic Fiance Charges accrued on to previous days daily balance; and by hen subta kg any aedts and payments that are applied against tine balance of be transaction ategay an that day In calculating the daily balance for the first day d he billing period, we consider the'prevbus days belnce' b have been yourbaterho-for each transaction category on to past day of you previous hitfrg period. O a transaction is posted b you Account alter the dose at tlnm billing periods which n occurs, we will Veal the W nsecion as hav- ing occurred on to first day at to billing period in which it a ported to your Account AN ken e d o ur AtcarM are added to to standard prdese tnsnseclm category with gar exception of Cash Advance Transaction Fee Fiance Charges which are added to tor; eppi?ah>seaian category and Balance Transfer Trasecim Fee Fi anoes Chrgin which we added to to applicable balance sander tensscam caegay When e . b rho tanaler rate ex ires we prove die u end balance of he balance Nu d Oe B T f F F Ch b th b l T ti t d d h p , p an rans er ee meha arges e s m a ance ransac on an ar purc ase V transaction category. However. 9 the special We has been terminated under the Default Rau Plan, we leave the unpaid balance of the balance taster and the Bow" Transfer Trans- action Fee Frlaee Charges in to applicable transaction category urd In special We would have expired. For TDD (Tabcommunicadora Device for Oe DuQ aablarhcs, pleats all 1480.317.7449. Discover may monitor andor record tebphci a call behveen you and Discover representatives for quality assurance "Poses The Discover" card is issued by Discover Bank, Member FDIC. OITBK170 r-. _- New Balance Minimum Payment Due ' Account Number ending in 2369 DISCOVER $4,042.92 $116.00 _ _ Enter Amount Enclosed Below Payment Due Date $ December 14, 2008 Please make check payable to Discover Card or pay online ® Discovercard.com. 19 SDSN6A010011532 RICK HOOVER Access and manage your account at www.Discover.com or visit m.discover.com 1190 NEWVI LLE RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 1111 11111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228040429200113000011600 Discover Open Road Card Account Summary Closing Orate: November 19, 2008 page 1 of 1 Account number ending in 2369 Previous Balance $4,055.33 Payment Due Date December 14, 2008 Payments And Credits 113.00 Minimum Payment Due $116.00 Purchases + 0.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $257.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges + 100.59 Cash Credit Available $257.00 New Balance $4,042.92 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshback Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Cashback BonuA Anniversary Month: March Cashback Bonus Balance 17.07 Keep using your Discover(R) Card and watch your Cashbock BonUS(R) growl How Can We Help You? 1 Visit Diuov.r.cem to pay year bill! for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy Self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. TDaab Post Dale Payments and Credits Nov 15 Nov 15 PAYMENT THANK YOU $ 113.00 Information For You B96KO Transfer offer(s) for emrent bAM9 Period: Daily Periodic Rate: 0.02189%; corresponding ANNUAL PERCENTAGE RATE: 7.99%. IQ 140 mance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FRiANCE FRiANCE Sala ntes Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3823.89 0.07942% 28.99% F 28.99% $94.14 s0 Cash Advances $261.88 0.07942% 28.99% F 28.99% $6.45 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above Important Information. If flame st more than one page to this buArhg statement, we the back of each pegs ter additional important nbmnatnn. ern v See Your Cardmember Agreement Your Cardmember Agreement omens all ft terms of you Account Z Lost or stolen cards. Report immodiatelyl. Cat 1-800-341.2683. rn D o Wiling Rights Summary. In Case of Errors or Ouesbons About You Bill: I you hit your bid is wrong, or 4 you need more triormaem about a transaction on you bill, write to us on a $ separate shiest of paper W Discover. PO Box 30421, Sal Lake City, UT 84130.0421. as soon as possible. We must her from you no War then 60 days after we sent you to first low on which tie error or problem appeared. You can telephone lea, bur doing so will not preserve you rights In you War, give us the foMowng information: uh Your name and Account number. N The dollar rrhount of the suspected error Describe the error and explain, it you can, why you believe tore a an error. If you need more information, describe the item you are unsure about. V You do not have to pay any arraui in question while we are investigating, but you are still obligated to pay the pans of your bill that we rot in question. While we investigate your WasWn. we cannot report you as delinWW or take any action to poled #a amount you question. Spsclal Ruda for Credit Card Purchases: If you have a pnablenn with the quaky of goods or services OW you pucheced with a credit card. and you have tried in good faith so coned the problem with the merchant, you nay rod have to pay to remaining amount due on the goods or services. You have In protection orgy when the purchase price was more than $50 and the pudase was made in you home site or wpm 100 min of yes mailkg address. (I we own or operate the merchant, or if we mailed you the advemsement for to goods or services, all purchases are covered regardless of the amount or location of pudese.) Payment; Send onhy your payment and the top portion d this statement it the envelope provided. Do rot send cash. By sending your deck as described above, you authorize us to use information on you check to make an *Mm fund transfer from you acco r t at the financial ksttubw indicated on yaw doedk or to process ire payment as a dhrck transaction. I payment is processed as an electronic ftad Writer, the ire oiler will be for to amount on the duct When we use nfmretion from your dhedk to make an elections: hid transfer, funds may be wd*awn from your account as scan as the same day we rem" you payment, and you will rod receive your died beck tram your financial institution. The processing of your payment may be delayed I you send ash, owesporodree or other tems with your payment 4 you send the payment to any other address or it you use an envelope otner ten the ore provided Payments received in proper form slourprocessig fedMy by 5PM local time on "day will be credited to yo rAcoaahl as d that day. Payments recewecl at our processing locity tam 5PM local time will be credited to yarAccount as of toe next day. If you have maplaosd your envelope, send your payment to Discover. PO Box 6103, Card Steam, IL 60197-6103. Please allow 7-10 days for delivery. I your payment is returned u paid, we reserve tie right to rewb v* H as an electronic debit. You can pay your mrraxn payment or a greater amount aver the telephone, and you can set up automatic peymente. Cad us ah 1-800-347-2683. You will need On statement and your book account nkmabom. You muse ensue dial sul6aem heeds are available in you be* account and all transedats must comply with U.S. law. You will be asked to provide the first 5 digit of you account statement zip code. By entering those ambers as yaw ebdronic sigralue. you will be agreeing to this wl nuaton to slow us and your bank to deduct each psymrml you suhonze from you beck account and to haste debi or radii eni ies to your be* account, as applicable, to correct an ara in the processing of such payment . You mast tent us Ine amount of each payment, or you can sekd an amoui such ss to Minimum Pap" Due or de New Balance on each statement You can cancel a payment. however we must receive notice at lease tree business days in advance of the scheduled payment You may notify us by pthons at 1800-347-2683 or by mad at the address killed in the previous paragraph. If your payments may vary in amount, we will tell you on adh rhhahtty sWement when your payment will be made and haw mach it will be. You Automatic payment amoun may be less Ian indicated on the monthly statement based on craft or payments applied during to biting cycle. Credit Reporting. We may report information about your mom" to credit bursas. Late payments, instead paymere. or other deleuga on your account may be reftnxted in you credit import. We normally report the status and payment hislory of yourAom" to refit wpm" agencies each month. I you believe that our report his iheccure or incomplete, pease wore us r the following address: Discover. PO Box 15316, Wikrhirgrah. DE 19850.5316. Please induce your creme, address, home Wephone number and Account number PERIODIC FINANCE CHARGES. Periodic Finance gorges are imposed on all transactions tom the date the transaction is posted to your Atari until the dam you pay you entire New Balance, by making payments or recoWng credits. However, if you paid tine New Balance on your prewoce bitting statement by to PoyneM Due Doe shown on thW statement, and you pay the New Balance by the Payment Due Doe on you current biting Walernant, we will nit inhpose Penodic Finance Chagas on new pnrcheses, met is, purchases fist appearing on to anent statement. We cat this the grace prod. Otherwise, you will receive a billing statement next month that includes Periodic France Charges on goose new purchases. Tlwre is no grace prod on balance transfers or rash advances. We sort your transactions kilo groups of purchases, ash advances. and balance transfers and than further son the transactions within each group by their Anneal Percentage Rate -or example, purchases subject b a pnonhotionel rate and purchases subject to a standard isle would be separate groups. We rakes k theme grape as tram action cetegries. At to end of each billing period. we compute belemces and Periodic France Charges for each day of the bill" period for each transaction category We use the blowing equation b cornpue Periodic France Charges for each trrwectim cWAW Average Daily Balance x rsenber of days in to billing period x Deily Periodic Rate. (Yes may toter to the fiance charge summary on your WIN statement for those anroris.) Then we add lip tie Periodic Fiance Charges ter each transaction colopy to get the lord Periodic France Charges kX yw Atari. The Average Daly Balance is shown as zero it, because of the grace period no Periodic Francs Charges apply b to balance in a transaction category. We use the Average Daily Balance including new transactions) meted of calculating the balance upon which we impose Periodic France Charges We om prie the Average Daily Balance tot each transaction category by adding up ar the daily balances in e Wkrhg prod for a transaction category and dividing to bW by the number of days in tie billing cycle. Vie compuis to daily balfor each ance transaction category on each day by first addlinif the following to to previous day a dody balance: y eoou scl pr and Periodic F rance avhous days daily balance: acid by then wbbaclrg cry credits and psynterts we applied against to balance of the transaction category on that day. In circulating to daily balance for the krst day of to billing period, we consider the 'previous day's balance to have been your balance for each transaction co" on the last day of your previous billing pe nod. I e Iran sadan is posed to your Account after the dose of the b*M period in which t occurs. we will treat The treneactron as hav. kg occurred on to *0 day of the billing period in which d is posted to your Account. Ail AccmW are added to the standard purchase taoesetion category with the exception of Cash Advance Tio section Fee Finance Chagas which are added to the apple transaction category end Balance Transfer Transaction Fes Fiorooes Clmrgos which arm added to to applicable balance tasfr arsechon category a spwd balance tran der rate expires we mow the unpaid balance at In balance senses and the Balance Traster Transection Fes Firmincs Charges to the standard rc ase transaction categi however, it it* special roe has been terminated under to Defaul Rate Pen, we leave to uhpald balance of the balance Yanerer and the Balance Tansfr Trams- arson Fee From Charges in the applicable transaction caegay until to special rate would have expired. For TOO (Telecommwrtcadoa Device for die Dam!) assistance, plsaes aR 14104347.7449. Discover may mordr andbr record telephone calls between you and Discover repraserietivas for quality assuancs purposes The Discover` card is issued by Discover Bank, Member FDIC. O1TOK170 New Balance Minimum Payment Due Account Number ending in 2369 DISCOVER $4,023.53 $112.00 Enter Amount Enclosed Below Payment Due Date _ $ January 14, 2009 Please make check payable to Discover Cord or pay online @ Discovercard.com. 19 SDSN6A01 0011533 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 111 11 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space nr?rr?u?n(In?n(n?i?n(( above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001966458892412228040235300116000011200 Discover Open Road Card Account Summary Closing Date: December 19, 2008 page 1 of 1 Account number ending in 2369 Previous Balance $4,042.92 Payment Due Date January 14, 2009 Payments And Credits 116.00 Minimum Payment Due $112.00 Purchases + 0.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $276.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Chares + 96.61 Cash Credit Available $276.00 Nsw Balance $4,023.53 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 17.07 Cashback Bonus& Anniversary Month: March ;Keep using your Discover(R) Card and watch your Cashback Bonus(R) growl How Can We He 1 Visit Dircovreom to pay bi for no cast, view r ear you p You? latest Account information, , earn and redeem rewards and more 11's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. options or to speak with o Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Date Date Payments and Credits Dec 1 I Dec 1 1 PAYMENT THANK YOU $ 116.00 'MAW Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE RNANCE Balances Rites RATES RATES CHARGES CHARGES _ current billing period: 30 days Purchases $3786.61 0.07942% 28.99% F 28.99% $90.22 $0 ;Cash Advances $268.30 0.07942% 28.99% F 28.99% $6.39 $0 'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. teportanl tdornnstion. I sere a more ten one pays to In blhg OAS~, we the back of each pope for additional inhportant information. 0 O See your Cardmember Agreement Your Cerdrrenber Agreement cantetrhs al the terms of you Account. cep, Lost or Molon cards. Report kmedi stely! Cal 141"7-2683. Q Billing Rights Summary. In Case of Enos or Questions About Your 89. I you think your bil a w o g, or t you need more i kinnation about a transaction on your bil, write to us on a o sepera a sheet d paper at Discover. PO Box 30421. Salt Lake Cit. UT 81130-0421, a soon as possible. We must hear from you no later than 60 days after we sent you the lust bill on 0 which this, ens or problem appeared. You can telephone us, but doing so %ad not preserve you rights. In your letter, give us the Wowng nforrrrelon: You nano and Account number w The dolor amount of the suspected error Describe the error and explain, if you can. why you believe there is an error. I you need more irYometion, describe the item you are unsure about You do not have to pay any amount in question while we we nvasigs6g, bid you we sal obligated to pay she pats of you bill tot are not in question. While we investigate VMg question, we cannot report you as deMqunt or take any action to collect le amours you question. Special Rule for CrWk Cud Purchases: I you have a problem with the qualify of goods or services that you purchased with a credit cud, end you have triad in good faith to commas the problem with that merchant. you rosy not have to pay tw reno rang amok due on the goods or services. You have this protection only when the purchase price was more then $50 and the purchase was made at you home stale or within 100 miles of your maiirg address. (I we own or operate the merchant, or t we mailed you Me advertisement for the goods or services, at purchases we covered regardless of the arrant or location of purchase.) PsymsMs. Send only your payment end are top potion of tits stslnhem in the envelope provided. Do not amid cash. By sending your check as described above, you sushaize us to use ksomefon on your chock to make an el ictohhc fund Installer tram your aoxxrn at he inauaat nsiko on indicated on your check or to process the psymanl as a d" transaction I payment is prooeaeW as an electronic fund trawler, the taabr will be for the amours on she chock. Who we use idormsom hm you check to make an electronic find trawler. fads may be withdrawn tom you accent as son as to sans day we receive you pap", and you wit not room your dw A back from your financial instrarbon. The processing of you psynners may be delayed t you send ash, oamapodare or other terra with you payment, I you sad the peymad to any other address or s you use an envelope other than the one provded Payments received in proper bra at our processing lacrkty by 5PM local hoe on any day will be credited to your Account as of that day Payme:,t received at out proo6wN facility after 5PM local am will be credited to WAaard as of the next day. I you have misplaced you envelope, send you payment to Dscover. PO Box 6103, Cad Stearn, b 60197-6103. Please slow 7-10 days for delivery. I your pennant is resmed unpaid, we reserve die right to rewind s as an electronic debit You Qh pay you mrimum payment or a greater amount over Ow loWphere, and you can set up automatic; payments. Cal us at ISO-347,2683. You wil need On she omit and yax bank accord nfarnefav You must ensure that sufficient! rrds are owed" in you bank account end all transactions must comply with U.S. lam. You suit be asked to provide to first 5 dgits of your account sesame A xp axle. By an" those numbers as your electronic signature, you will be agreeing to Vos ak#arvafon to allow us and your bask to deduct each payrrwa you authorize from your bank acaurn, and to nisale debit or as*onttNs to you berme accourd, as applicable, to corroct an ear in to processing dsuh peymerd. You must. tall us the anount of each payment, or you an select an mount such as she Minimum Paynern Due or to New Balance on each statement. YOU cn cancel a payment however we must re rave wow at bast tree bularim days an advance at the scheduled paysaM. You may notify us by phone at 1-000-347-26W or by mail at she address listed in the previous paragraph. I your payments may very n anent, we wil tali you on each m edify statement when your payrrem will be made and haw, much it wig be. Your Automatic perw amount may be less Ian indicated on the monthly statement based on aedb or payments applied dung the Wog cycle. Crewt Reporting. We may report information about your account to aids bureaus. Late payments, missed paysrera. or other defects on your acmdnt may be reflected in your credit report We rcmwly report the status and psymerd lisbryh d you Acaoud to as& reporting agencies each month. I you believe that err report is r acc rale at incomplete, please write us at the blowing address: Discover. PO Box 15316. Wilmington. DE 19850.5316. Please include your norne, address, hone telephone rxnnber and Account number PERKM FWANCE CHARGES. Periodic Thar a Charges am imposed on al transactions tam de dale the transaction is posted to your Account and to date you pay you snore New Balance, by making payments or receiving craft. However. 0 you paid the New Balance an your pevous bllag statement by the Payment Due Date shown on that statement, and you pay the New Balance by she Payment Due Date on your arm bllig alkrneM, we will not impose Periodic Finance Charges on raw purchases, that is, pudases fast appeadixT on the erred sbulerneM. We call this the grace period. Otherwise, you will receive a big do~ next month that inddas Periodic Finance Charges on those new purchases. Then: is no grace period on balance transfers or cash advancies. We sort your transactions into groups of purchases. ash advances, and balance tranalers and then further sort the transactions within each group by their Annual Peron Cage Rate. For example, purchases sub)ed to a prarcl not rate and pudeses subject to a standard tale world be separate grape. We reler to these gaps as transaction atego ties. Al the end of each big period. we compute balances ad Periodic Finance Charges for each day of the big period for each transaction category. We ore to following equation to con" Periodic Finance Charges for eadm transacom calagory: Average Daily Balance x number of days in the tiling period x Only Parodic Rate. (You may refer to the finance large summary on your Wling statement for these arraohnts.) Then we add up the Periodic Fiance Charges for each transaction category to get the burl Periodic Finance Charges for your Account. The Average Deily Balance is shown as zero I, because of the grace period, no Periodic Finance Charges apply to Ow balance in a transaction category. We use Me A,wr v e natty Balance Om*xliag chew,mseclions) mescd of alculasng On balance upon which we im ores, Periodic Finance Charges. We compute tha Average Daily Balance fa eachh uansackon atoguy by adding up al the daily balances in a b&V period for a transaction category and dividing the total by she number of days in the big cycle- VV- compute the daily balance for each transaction category on each day by fltsl adding the following to the previous day s daily balance: transactions made they day, fees charged that day and Periodic Fiance Charges accrued on One previous day's daily balance; and by ten subtracting any credo and paynerhb that we applied against the balance of the transaction category on that day. In cokU rig to daily balance for to firq day drier bit rig period, we corwlder to 'previous day's bdynci' to have been your balance kv each transaction category, n the last day of your previous biing period. I a transadim a paced to your Accent alter the dose of the billing period in which a occurs. we will trek the transaction as hav ig occurred on the fist day of the being period in which it is posted b yowAccohrn Al fees charged b you Accord are added brie standard purchase twacim category with to exception of Cash Advance Transaction Fee Finance Charges which are added to the ppYeal???a action category and Balance Tmw(r Transaction Fee Farrhoes Charges wlidn am added to the applicable balance timelier transaction category When e ? b a apsadbm?afl tr n expires, we nave the unpaid bknos d the balance twbr and rim B dwm Tro elan Trarwxbn Fee Finis gauges b this stadrd pudwee traeadiorn d ateyay. Fbwwver. A to special rate has been lormiWed tide to DetnM Rob Plan, we leave to unpaid balance of to balance transfer and the Balance Transfer Trans - action Fee Finance Charges in the applic" transaction category until the special rate would have expead. For TM (TeNcommuNealbm Device for the DwA asalatancs, please call 14MUT-7449. Discover may montor andbr record Nlephhone cage between you and Discover repressnfsYvea kx quail assurance purposes. The Discover' cad is issued by Discover Bank. Member FDIC. 01 TBK Iii DISCOVER New Balance I Minimum Payment Due Account Number ending in 2369 $4,162.78 L5228.00 Enter Amount Enclosed Below Payment Due Date February 14, 2009 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $1 12.00. 19 SDSNBA01 0011534 RICK HOOVER Access and manage your account at www.Discover.com or visit m.discover.com 1190 N EWV I L L E RD on your mobile phone. CARLISLE PA 17013-1739 PO BOX 71084 111"'111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space r11nr111rr1r,1r, 11r,6rl,11r1r,11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228041627 800000000022800 Discover Open Road Card Account Summary Closing Date: January 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance $4,023.53 Payment Due Date February 14, 2009 Payments And Credits 0.00 Minimum Payment Due $228.00 Purchases + 39.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $137.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 finance Charges _ + _ 100.25 Cash Credit Available $137.00 New Balance s $4,162.78 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshback Bonuse Opening Cashback Bonus Balance $ 17.07 New Cashbock Bonus This Period + 0.00 Cashbock Bonus® Anniversary Month: March Cashback Bonus Balance $ 17.07 How Can We Help You? 1 Visit Discover com to pay your bil for no cost, viewyo ur latest Account information, own and redeem re o rZoand more It's your choice - 3 ways to help 2. Coll 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 Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lako City, UT 84130 Transactions $0 Froud_Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Dab odw/Misceliareous Jan 15 Jan 15 LATE FEE $ 39.00 Information For You * * * ATTENTION * *' Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. F01 e Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fes Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bglonces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3796.97 0.07942% 28.99% F 28.99% $93.48 $0 Cash Advances $274.87 0.07942% 28.99% F 28.99% $6.77 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. t there is more then one page to this biting stalanK see to beck of each page for additional important information. co 0 See your Cardnnember Agreement Your Cardtnenber Ageertent corhbint at the eons of your Accourht. co Lost or stolen cards. Report nmledialely! Cal 1300-341-2683. m D 0 Billing Rights Sununary. In Case of Errors or Questions About Your Bill: If you trulh you bill is wrong, or 1 you need more nfomatim about a transaction on your bill, write to us on a o separate sheet of paper at Discover. PO Box 30421, Sak Lake City, UT 84130-042 1, as soon as possible. We must hear from you no later can 60 days alter we sent you the trot bit on 0 which the am or problem appeared You can telephone us, but doing so will not preserve your rights. In your letter. We us the tolbwi g nfomaton : Your tans and Account ranber. p The doter amount of the suspected error p Describe the error and explain, if you can, why you behm there is an error. If you teed more information, describe the tall you are unsure about. You do not have to pay any amount in question wide we are investigating, but you are still oblgated to pay the parts of your bill that are to in question. While we Investigate you queshon, we cannot report you as delinquent or take any action to colled the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to coned to problem with the merchant. you may not have to pay to remartrg amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made n you home state or within 100 mite of your naig address. (If we own or operate the merchant, or if we maded you the advertisement ter to goods or services, at purchases are covered mgardess of the amour or location of purchase.) Payments. Send only your payment and the top portion of to statement in this snrelopir provided. Dona send cash. By sending your check as described above. you autlbrair vie to use information on you check to make an electronic fund transfer from you account at the tinny naab raklrAtm indicated on you deck or to process the payment as a deck transsecuon. If payment is processed as an electronic fund transfer, to transer well be for the amount on the check When we use nfermation from you dede to make an electrow fund transfer, funds may be withdrawn from you acco ng as soon as the same day we receive your payment, and you will not receive you deck back from your financial insb uitlon. The pi can" d your payment may be delayed it you send cash, correspondence of other mns with your payment, if you send de payment to any other address or if you use an envelope other than the one provided Payments received in proper torn at our processing facility by 5PM local time on any day will be credited to your Account as of that day Papne,as received at our processing W.Aly after 5PM local time will be credited to you Account as of the next day. t you have misplaced you envelope, send your payment to Discover. PO Sux 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. M you payment is retuned unpad, we reserve to right to resubmit it as an eiectrmic debit. You can pay your iminrnun payment or a greater smart over the telephone, and you can set up automatic payments. Cal us at 1.800.347.2683. You will reed this statement and your !rank account narration. You must ensure ft sudicient kids are available in your bank account, and all transactions must comply with U.S. law. You wit be asked b provide the first 5 digit of your acconl statement zip code. By entering those members as you sackorrc signature. you will be agresng to that authorization to allow us and you bank to deduct each payment you authorize from you bank account. and to nitrate debit or credit entries to your bank accent as applicable. to cared an Ma in the processing of such payment You must tell cs Me amount death payment, or you can select an amount such as to Mrhinarn Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at least tree business days in advance of the scheduled payment. You may nobly us by price at 144347-2683 or by marl at the address listed in the previous paragraph. If your payments may varyn amount we w5 tell you on each mon" salemea when your payttardwet be made and how much d will be Yor Automate payment amour may, be less than indicated on the monthly Mermaid based on cradts or permits applied during the billing cycle. Credk Reporting. We may report nlomatbn ebutt your account b credit bureaus. Late payments, nagged payments, or other defaults on your account may be reflected in you credit report We normally report the status and payment May of your Account b credit reporting agencies each math If you believe that our report is inamo rate or ncomplew, please write us at the following address: Discover, PO Box 15316, Wi ini gton, DE 19850-5316. Please include you rare, address, home telephone number and Aocard number. PERIODIC FIdANCE CHARGES. Perak Finance Charges are imposed on all transactions from to date the transaction is posted to your Amount until the date you pay your entire New Balance. by mating payments or receiving credits. However, if you paid dha New Balance on yak previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Dale on you curing billing slabmerd, we will not impose Periodic Finance Charges on new purchases, that is, purchases first eppeerag on to cumerd staterrhent. We cat tlrs the grace period. Otherwise. you will receive a billing statement next month that includes Penock Fiance Charges on Lase new purchases, There is no grace period on balance transfers or cash advances. We sort you Intersections nb groups of pudhases, cash advances. and balance transfers and then further sal the transactors wfiwr each group by their Annual Percentage Rate. For example. purchases subject to a promotahal late and purchases srbjed to a standard rate would be separate groups. We rear to Mesa groups as transaction categories. At the end of each billing period, we compute balances; and Periodic Finance Charges for each day of the bdrlg period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction cabgorr Average Daily Baancs x number of days in the telling period x Daily Periodic Rate. (You may refer to the finance charge summary on your billing staarnent for these amounts.) Then we add tip to Periodic Finance Charges for each Yaraadlan category to get the teat Periodic Finance Charges fo your Aware. The Average Daly Balance is shown as zero d, because of to grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (Inckdng now transactions) method of calculating the balance upon which we impose Petadc Finance Charges. We cumpina to Average Daily Balance for each transaction category, by adding up at the daily balances in a billing period for a transaction category and dmdng the toad by the nuntl*r of days in the bAN eyue. V.e oompute the daily balance for each transaction category on each day by fiat eddrg the tollowng to to previous day's daily baance' transactions made got day. fees charged trey day and Perak Fnarat Charges accrued on the previous day's daily balance. and by ten subtracting any credits and payments dot are applied against the balance old* transaction category on ft day In calculating Ithe daily balance for the fret day dlhe billing period, we consider the'prevais day s balance' to have been you balance for each transaction category on the bill day of you previous billing period. If a trarsac ion is posted to your Account right the close of the bang period in which t occurs, we will treat the transaction as hav- ing occurred on to first day of to billing period in which t is posted to your Account. N M gPuby?q?aytLr Accowt are added to the standard purchase tragedian category with the exception of Cash Advance Traaaclion Fee Finance Charges which are added to Ne q aPP Jd?a transaction category and Balance Tra sW Transaction Fee Franaea Charges which se added to rie applicable balance transfer kanwdbn calegdy. When a special balance transfer tale expires, we move de unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges to the standard purchase transaction category . However, t the special rate has been terminated under to DBfauk Rate Plan, we leave the unpaid balance of the balance transer and the Balance Transfer Trans- scum Fee Finance Charges in to applicable transaction category, reel the special tale world have expired. For TDD (Telecommunieatlon s Berke for the Dorf) awlsWnee, pests call h4W-347.7449. Discover may monitor ahdtor record telephone cells between you and Discover representatives for quality assurance purposes. The DigwAe card is issued by Discover Bank, Member FDIC. O1TBK170 New Balance Minimum Payment Due Account Number ending in 2369 DISCOVER $4,034.40 $115.00 Enter Amount Enclosed Below Payment Due Date _ $ March 16, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 19 SDSN6A01 0011535 RICK HOOVER - 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Disoover.oom or visit m.discover.com on your mobile phone. PO sox 71084 11111111 CHARLOTTE NC 28272-1084 Address, *-mail or telephone change? Print change in space ?rilillrrlrrrlrllrrr?rrlrlurllllrrrlrrlrr?rr?lrrlrrlrililrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228040344000116000011500 Discover Open Road Card Account Summary Closing Dale: February 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance $4,162.78 Payment Due Date March 16, 2009 Payments And Credits 228.00 Minimum Payment Due $115.00 Purchases + 0.00 Credit limit $4,300.00 Cash Advances + 0.00 Credit Available $265.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 a Charges + 99.62 En- Cosh Credit Available $265.00 - New Balance $4,034.40 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshbock Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 17.07 Coshbock Bonus® Anniversary Month: March Keep usingg your Discover(R) Card and watch C hb k as Bonus(R) growl your ac How Can We Help You? I Visit Discovercosn to pay your bit for no cost, view r kst" Account information, *am and redeem rewards and more It's your choice - 3 wa s to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy sel6ssrvice y 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 Guarani" Use your Discover Card with confidence. Trans. Post Dale Dale Payments and Credits Jan 28 Jon 28 PAYMENT THANK YOU $ 112.00 Jan 29 Jan 29 PAYMENT THANK YOU 116.00 i Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE font Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3764.19 0.07942% 28.99% F 28.99% $92.68 $0 Cash Advances $281.72 0.07942% 28.99% F 28.99% $6.94 s0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Income Gap Protection gives you cash when you need 0 most - when your income is interrupted by involuntary unemployment, disability or family leave of absence. Learn how Income Gap Protection can help you. Call us today at 1.800.240-1009. knporlant Infamatdon. If there a more thin one papa b this billing sla*n@K we the back of each page for additional Important information. 0 sea your CardmernferAgreamenl Your Cardmermber Agree mentannalne all the temms of yo rAccount z Lost or stolen cards. Report Immediately! Call 1.6W-341-2663. Bp6ng Rights Summary. In Case of Errors or Quesbons About Your 89 If you hnk your bill is womg, or t you need mom information about a transaction on your bill, writer to us on a o separde sheet of paper at D4ciwer, PO Bole 30421. Sell Lake City, UT 841J0.0421, as soon w possible. We must hear from you no kber than 60 days after we sera you the IN bill on ° Mich the error or problem appeared. You can Wephow us, but done so bat not preserve your rights. In your letter, give lea to following nfomnabon: w You name and Account rarnber. The dollar amoua of the suspected amor Describe toe error and explain, if you can, why you believe there is an error. t you need more rtcrmatron. describe the ten you are unsure about. You do rot have to pay any anount in question while we are nvestpelnp, but you are still abkgeted b pay the parts of your big that are not in question. While we vivesiligate your question, we carrot report you as delinquent or lake any action to o*d the amount you question. Spacial Rule for Credit Card Pardmas: I you have a problem will) to greyly d goods or servion riot you pudased with a credit arc, and you have tried in good bite to tarred the problem with to marcttan, you may not have to pay to remaining arrant due on the goods or services. You have #in protection orgy when to purchase price was more I= $50 and to purchase was made in you horse state or withn 100 miss of your mailing address. (t we om or eparafe to merchant, or g we mailed you the advaosemen for the goads or services, all purchases we covered regardless of the arrow or location of purchase.) Payments. Send only you payment and the by portion of On stabmen n to envelope provided. Do not send oak By senrkflg your check as described above, you aut haixe us to use infOmnstim on your deck to make an elewow fund transfer from you acaant at the financial institution indicated w you died or to process are payment as s check trinsecUon If payment a processed as an eectranc lead Va sfer, the transfer will be for tike amount an the drdk. VAw we use inlormaton from your check to make an elections; land transfer. funds may be withdrawn ham your account as soon as the same day we reo*n you payment and you will not receive your dock beck from your trsrkdel trhstikrion. The processing of you payment may be delayed il you send cash, mrecpondana or otsr irons with your payment. i you send the payment to any other address or d you use an envelope other than the one provided. Payments received in proper form at our processing facky by 5PM local time on any day will be credged to you Account as of Mal day. Paynenk received at our processing fadgy after 5PM foal time will be crediled to your Account as of to next day It you have mwspleced your envelope, send you payment to Discover. PO Bob: 6103, Card Stream, L 60197-6103. Please allow 7-10 days for delivery. I your payment is retuned unpaid. we reserve the night to resubnw it as an electronic debit You can pay you mirwrcaun payment or a greater amow over the Iefeptnne, and you an set up subrtsoc payments. Call us at 1-800317-2683. You will reed this statement and your bank accara sdormakon. You neat ensure that sul wit funds are available n your bank account and at transactions mim comply with U.S. low. You wig be askad to provide the first 5 dpta of you accord slafenarkt zip code. By enlenwg terse numbers as yam elecli signstrre. you will be agreeing to On sudonzatoh to allow lea and your bank to deduct each payment you akaha¢e tram you bank account, and to nwe debit or a" ensiee to you bank account, as applicable, to correct an error in the processing of such payment. You must tell us tie amount of each payment, or you cork select an amount such 83 to Mniram Payment Due or the New Balance an each statement. You can cancel a payment however we meet receive noti;e at least tree busiress days in advance of the scheduled payment You may notify us by phis at 1.800347.2683 or by mail el the address listed in to previous paragraph. t your payments may vary in amount we will let you on each monthly stMemevlf when your payment will be made and how much it will be. Your Autorna c; payment amount may be toss tan indicated on the monthly stabs ed based on credila or payments applied drag the bilking cycle. Cnelit Reporting. We may report i formaton about you scmure to credit bu ro s. Lae payments. mixed payments. or other defeutts on your account may be reflected on you credit report. We normally report the stalus and -payment history of you Account to orsdil reporting agencies each month. It yon believe that our report is smccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington. DE 198545316: Pam i4rle you name, address, home eephone number and Account number. PERIODIC FINANCE CHARGES. Periodic fwwm Clargea are imposed on at trarsections from to dole toe tra salon is posted to your Account until the date you pay you entire New Belmos. by making pow-is or receiwkg credits. However. if you paid to New Balance on your previous bill" sworn r m by to payment Due Dale shown on Mal statement and you pay the New Balance by the Payment Due Dole on you arrant big statement, we will not Impose Periodic Fiance Charges on now purchases, tat is. purchases frrsl appeang on the current stelemeni We tag On to grace period. Otherwise, you will receive a billing seteren next morhlh that includes Penbdc Finance Charges on those new purchases. There is no grace period on balance trarsfes or cash advances. We sot you transactions nto groups of purchases, cash advances, and balance traslers and than hrter son the transactors within each group by tai Annual Percentage Rate. For example, purchases sd*d to a promotional raile and purchases to these grape as transaction categories. At the and of h h each billing period, compule Eark Periodic Fa C arges for mdr day d to billing period for each u araacton eeepaY. We use faMownp aoyrstiorh to oxmpule Periodic Finance Changes for each transaction category: Average Daily Balance x number of days in the billing period x Daly Periodic Retie. (You may telev to the hence charge summary on you billing statement for few amounts ) Then we add up to Periodic Fiance Charges breach Vansachon celegory to get the total Pandit France Charges for your Aooant The Average Daily Balance a shown as zwo if, because of the grace period, no Periodic Flan os Charges apply b the balance n a transactor caegory We use the Avef,ga Daily Balance tihdudikg new trarseclim) meriod of catwlahg the balance upon which we wi pose Periodic Finance Charges. We oompule to Average Daily Balance lor each transaction category by adding up at the daily balances in a b&V period for a transaction category and dividing to btal by to umber of days in to billing cycle. We compute line daily belarh0e for soon transaction Categary an each day by first adding to btewing to the previous day s dally balance: Inarsaaias made that day, fees charged tad day and Periodic Fvwm Charges accrued on the previous day's daily balenos; and by tam ebtredirg airy credits and payments that are applied against the been of the transackon catapony on Mel day In calculating the daily, balance forte first day d to billing period, we consider the `prevwua day's belanice' to have been your balance for each transection category on to teat day o (your previous belting period. 9 a tra sacim m pooled to your Account after to close of Ile billing period in which t occurs, we will treat the transaction as hav ing occurred on the tinsl day of to biting period in which t is posted to your Account. At fees cow are added to the standard purchase tanssobon on" with to exception of Cash Advance Transaction Fee Fwheax Charges which are added Io the a lica ??ansaction cate or and Balance Transfer Transaction Fee Financ Ch hic dd d s t bl la f cti c Wh li b t tr t pp g y es arges w h are a e he app ca e e noe rans ansa on egory . en o er a a special balance A an do ne expires, we crow the upad belanoe of the baance frerslar and to Balance Transfer Transaction Fee Finance Charges to to stendard purchase trarsacton ealapay. However, i the special rate has been lenwolsd under the Deleutt Rae Plan, we leave the unpaid balance of the balance transfer and rie Balance Traner Trans- acts Fee From Charges in the applic" transaction oxetay utt do special rate would have expired. For MO (Tduammuskadaa Device for the Deaf) asalatarca, plane eaa 14w347.7449. Discover may monitor ardor remrd telephone cis between you and Discover representatives for quetity assurance purposes The lhsaver' card is issued by Discover Dank, Member FDIC. OlTBK170 DISCOVER New Balance 1$106.00 Minimum Payment Due Account Number ending in 2369 $4,009.63 _ _ Enter Amount Enclosed Below Payment Due Date $? April 14, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 19 SDSN6A010011536 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 ???+r+??rsr+s+l??+lssll+rsl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (ulrllr+lnrlrllnrlulrlurl(llurlr,lr,lnllnlnln)rlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228040096300115000010600 Discover Open Road Card Account Summary Closing Date: March 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance $4,034.40 Payment Due Date April 14, 2009 Payments And Credits 115.00 Minimum Payment Due $106.00 . Purchases + 0.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $290.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Choy s + 90.23 Cash Credit Available $290.00 New Balance = $4,009.63 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback kinuse Opening Cashbock Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Coshback Bonus Balance $ 17.07 Cashback Bonus* Anniversary Month: March Keep usingg your Discover(R) Card and watch hb k B R C l your as ac onus( ) grow How Can We Help You? I Visit Discover com to pay your bill for no cost, vi.w p latest Account information, *am and redeem reward and man it's your choice - 3 ways to help 2. Cal 1-8MDISCOVER (347.2683( for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Pest Dale Date Payments and Credits Mar 15 Mar 15 PAYMENT THANK YOU $ 115.00 Information For You "ATTENTION" The day of the month that your payment is due will be changing. Your new Payment Due Date will be printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1 2009. Your Payment Due Date will continue to be at least 25 days from the Closing Dale shown on the billing statement. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balonces Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $3768.98 0.07942% 28.99% F 28.99% $83.82 30 Cash Advances $288.40. 0.07942% 28.99% F 28.99% $6.41 $0 The rates that apply to your Account are •i her fixed (F) or they may vary (V) as noted above. Important information. If there is more than one papa to to biting statement, see the back of each pope for aadilional important nlamsfion. vi v See your Cardnrmber AgreananL Your Cardmember Agreement contains al the terms of your Account. i Lost or stolen cards. Report immediately! Cal 1-800-347-2683 T Billing Rights. Summary. In Case of Errors or Questions About Your W. t you teak your bill a wrong, or it you reed more information about a transaction on your bill, write to us one 8 separate sheet of paper at Discover, PO Box 30421, Sak Lake City, UT 8413(1.0421, as soon as possible. We must hear front you no Wer than 60 days after we sent you the brat bill on which the error or problan appeared. You can telephone us, but doing so will not preserve your rights. In you letter, give us the blowing information: i„ You name and Amount numberr W The dollar amari of he suspected ens. ' Describe tie error and explain. it you can, why you believe there s an error If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we am investigating, bud you are still obligated to pay the pens of you bill that are not in question. While we investigate you gxeshon, we cannot report you as delinquent or take any, action b collect the amount you question. Spedal Rule for Credit Card Purclusin: It you have a problem with the quality of goods or services het you purc used with a a" card. and you have tried in good lath to oared the problem with the merchant, you may not have to pay the remaining amount due on the goods or stevoes. Ys. have this PmWW orgy when the purchase price was more thin $50 and the purchase was made in your hone state or within 100 miles of your mailing address. (t we own or operate he merchant, or 4 we mewed you Be advertisement for he goods or srvioes, all purchases are covered regardless of the amount or bcetiort of prrdhase.) Payments. Send only your payment ad to cep portion of this statement in the envelope provided. Do not send cash. By sox" your dedt as described above, you ouhoke us to use information on you check to make an electronic kid transfer from your acimun; at the lnrnciai initiation indicated on your check or to process the payment as e dock transaction. N payment is processed as an electronic fund arnslar, the transler will be or the amount on the dock. When we use idametion kern you check to make an elecacrWC fund transfer, funds may be withdrawn kom your account as soon as he, same day we receive you payment, and you will not receive you check bade from you inarndal ietraaon. The processing of your peyrrKM may be delayed d you said cash, oarespodence or other fti s with you paymeK 4 you send the payment to any other address or if you use an envelope oltw than the one provided. Payments roomed in proper form at our processing facility by 5PM local time on any day will be credited to you Account as of that day. Payments roomed at our processing bciiy after 5PM local the will be wedged to your Amount as of the next day. If you have misplaced you envelope, send you payment to Discover. PO Box 6103, Cod Stream, IL 60197-6103. Please allow 7-10 days for delivery. I your payment is retuned unpaid, we reserve he fight to resubmit it as an electronic debit You can pay your minimum payment or a greater erno nit over the telephone. and you can set up aubmat c payments. Cat us at 1-800-347-2683. You will need ha statement and your bank amount irgamakon. You must ensue tut sulkcam pads we available in your bank amount. and all transactions not comply with U.S. low. You will be asked to provide the first 5 dhgis of you account statement z4 code. By string those numbers as you ebdragc signature, you will be agreeing to the auhonznbon to an us and your bank to deduct each payment you authonze from your back a=nt, and to nieale debit or cxedd entries to your bank amount. as who". to correct an error in the processing of such payment. You must del us he amount of each payment, or you can send an amount such as the Mininm Payment Due or he New Balance on each statement You can canoeh a payment, however we must receive notice at bast tree business days in advance of the scheduled payment. You may nobly us by phone at 1 AW-347-2683 or by mail at tie address kstad in kw previous paragraph. If you payments may vary in amount. we will tell you on each mor" statement when you payment will be made and how much w YAP be. Yak Automatic payment amount may be less than indicated on the monthly statement based an credits or payments applied during the biting cycle. Credit Reporting. We may report information about your account to oath burs ins. Lab payments, rinsed payments. or other debulls on your account may be reflected in your aedil report . We normally report the status and payment h" of you Accent to credit reporting agencies each month. If you believe tut our report is inaccurate or incomplete, please write us at he okovvirg address: Discover, PO Box 15316, Wilmington. DE 19850.5316. Pew include your nacre, address, home Wephnone number and Account minor. PERIODIC FINANCE CHARGES. Periodic Fiance Charges we imposed on all transactions from he dale the transaction is posted to you Amount until the dab you pay you entire New Balance, by making payments or receiving credits. however, it you paid he New Balance on you previous bit %saa met by tlo Payment Due Dab shown on thin statement, and you pay the Now Balance by Me Payment Due Date on you arras biting statement, we will rot impose, Periodic Finance Charges on row pucasm, that is. purdneses firer opposing on the curry statement. We call this the grace period. Ott herwias, you will mom a billing statement next month that excludes Periodic Finance Charges on those new purchases Thdre is no grace period on balance transfers or cash advances. We sat you trasectias into groups of purchases, cash advances. and balance transfers and then l rther sat the transactions *Mn each group by their Annual Percentage Rate. for example, purchases snb)edi to a pnme0onal rate and purchases subted b a standard rate would be separate grails. We mW to these grays as raseclon categories. At the end of each billing period, we compute babnces ant Periodic Florae Charges for each day of to billing prod for each transaction category. We cae he (oflowng equation to compute Periodic Fwhrwe Changes or each trasackm category: Average Daily Balance x number of days in the Wig pried x Dry Periods; Rate. (You may islet to the fmmoe charge summary, on your birg statement for these concuss.) Then we add up he Periodic Finance Charges or each transaction category to get the oW Periodic Finance Charges for your Award. The Average Daily Balance is shown as zero g, because of the grace period, no Periodic Finance Charges apply bra balance in a transaction category. We use he Average Daily Balance (including now transaCllons) meW d calc lahg the balance upon which we impose Penod c France Charges We cornpule the Average Dry Balance for each transaction category by adding up all the daily balernces in a bting pond or a transaction category and detidirg the but by the number of days n he billing cycle. We compute the daily balance for each transaction category on each day by fret adding the following to the Win ous day's daily balance: transactions made that day, fees charged to day and Periodic Finance Charges accrued on the, previous day's daffy babrnoe; and by then subtracting try credits and payments thatre applied agai et the balance of the ttensactian category onto day In caladawg the dry balance br the first day of the bi-rg period, we consider to *previous day's belence' o have been you balance tar each transaction category on the last day of you previous billing period. I a transaction is posted to you Accost alter the dose of the b ilig pen rid in which it occurs, we will treat the transaction as hav. ing occurred on the test day of he biking period in which i is pasted to you Accent. M ,ppyyyyt?rr Arrant are added to the Maderd purchase trrsac9ah csWM with the exception of Cash Advance Transaction Fee Finance Charges which are added to he ' eppf nldvla De transaction category and Belaoa Trash Tranuclion Fee Fiances Charges which are added to the applicable balance hander Immaetom category. When a special balance trawler rate expires, we move the urged balance of the balance (raster and the Balance Transfer Transaction Fee Finance Charges b the standard purchase transaction category However, i the special rate has been Mnrmasd under he Debuk Ran Plan, we Wave the unload balance of the balance transfer and the Balance Transfer Trans. action Fee Fiance Charges in the applicable transaction category unW the special rate world have expired. For TOO (Telecommunications Dwkt for the DesQ esskW¢a, pew all I-M347-7449. Discover may mor or ad+or record telephone call between you and Discover rapresentnkves to quality assurance purposes. The DWcova" card is issued by Discover Bolt, Member FDIC. OlTBK170 DISCOVER New Balance I'Minimum Payment Due i $4,042.28 $122.00 Payment Due Date May 14, 2009 Account Number ending in 2369 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online 0 Discovercard.com. 19 SDSN6A010011537 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-179 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. 000001986458892412228040422800106000012200 Discover Open Road Card Account Summary Closing Dale: April 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance $4,009.63 Payment Due Date May 14, 2009 Payments And Credits 106.00 Minimum Payment Due $122.00 Purchases + 39.00 Credit Limit $4,300.00 Cosh Advances + 0.00 Credit Available $257.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 F_inana I ra es + 99.65 Cash Credit Available $257.00 New Balance $4,042.28 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 17.07 New Coshbock Bonus This Period + 0.00 Cashbodc Bonus Balance $ 17.07 Cashback Bonus® Anniversary Month: March Keep usi your Discover(R) Card and watch ' hh k your Cas c Bonus(R) growl How Can We Help You? 1 Visit Discover eam to pay your bA for no cost, view your latest Account information, *am and redeem rewards and more Lt's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dal* Payments and Credits Apr 17 Apr 17 PAYMENT THANK YOU $ 106.00 Oder/Miscellaneous Apr 15 Apr 15 LATE FEE 39.00 AW41Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dai a ?EITAGE PERCENTAGE FINANCE FINANCE Bal ces Rates CHARGES CHARGES Current billing period: 31 days Purchases $3752.27 0.07942% 28.99% F 28.99% $92.38 $0 ,Cash Advances $295.23 0.07942% 28.99% F 28.99% $7.27 $0 Access and manage your account at www.DWv4er.com or visit m.discover.com on your mobile phone. PO sox 71084 Illnrnllnnnnnnlllnlnnllnrrl CHARLOTTE NC 28272-1084 The rates that apply to your Accourr are either fixed (F) or they may vary (V) as noted above Important Information. I tare is more than one papa to the big sWenaA, we In back of each pope for additional impotent information. ern v See your Cardmemiar Agreement. Your Cardmember Agreement cmfaina all the larms of your Aco nit z Loot or stolen cards. Report nsnediatelyl Cal 1400.347-2663. W n o B" Rights Summary. it Case of Emors or Questions About Yaur BA: I you think your bill is wrong, or t you need more rlormaim about a instruction on your bill, write to us on a separate sheet of paper at Discover PO Box 30421 Salt Lake City UT 84130-0421 as soon as possible We must hear from you no later than 60 days after we sent ou the first bill on g , , , , . y which the error or problem appeared. You can telephone us, but doing w will not preserve your rights. In your Wier, give us the following iniormabon Your name and Account nafier. The dollar amount of the suspected ens Describe the error and explain. t you an. why you believe there is an error. If you need more nfamaion, describe the item you are unsure about You do not have to pay any smarm in Wa llon wide we are iaemiga g, but you are awl obligated to pay to parts of your bill tlnet are not in Wesson. While we irnesigate your quesion, we cannot report you as denghbnt or take ary action to called the amoral you queston. Spacial Ruk far Credit Card Purchases: 8 you how a problem with the 9A* of goods or services that you putdased with a credit card, and you hove tied in good ath to owed the problem with to mndant you may not have to pay the remaining ameart due on the goods or services. You have to protection only when to purchase price was more than 850 and to purchase was made in your home able or within 100 miles of you mailing address. (I we own or operate the merchant or if we rraited you the advertisement fr the goods or services, all purdhases are covered regardless of the amounl or location of purchase.) PaymarN. Send only your payment and the top portion of this statement in the envelope provided Do not send cash. By sending your dhedk as described above, you sulv¢e us to use idamabon on your shack to make an electronic Mal trarhsler from you accent at to financial iairulgn indicated on your dnedt or to process to payment as a checti trrsaction I payment s prooessed as an electraric herd transfer, tie transfer will be fr the amours an the dadk. When we use rtametim from your deck to make an electron e: herd transfer, kinds may be withdrawn from your acfAwml as soon as to same ray we receive your papent, and you will not receive your dock back from your financial insmubon. The processing of your payment may be Me* if you send cash, oonespordrre or other ileums with your payment if you send the payment b any other address or if you use an eovelope other than the rase provided. Payments received in proper form at our processing facility by 5PM local lime on any day will be credited to your Account as of tat day Payments received at our procevsirq fack yr afir 5PM local inns will be credited to yarAccora as of tie next day. I you have misplaced your envelope, send your payment to Discover. PO Box 6103, Card Stream, IL W197.6103. Please allow 7-10 days for delivery. I your payment is returned unpaid, we reserve to right to resubmit it as an electronic debit You can pay your m sumo h payment or a greater amount over die lelellane, and you can set up automatic peyrnenrs. Gt us at 1-800-347.2683. You will need this statement and your bank account irdanalm. You must enure that sudbaent funds are aveible in your bw* account, and all transactions must damply with U.S. low. You wind be asked b provide the last 5 digh of your secant statement zip code. By entering those numbers tie your ekcvanic signature, you will be agresng to this authorization to slow us and you baulk to deduct each payment yw aulcnn from your bank swan and to hoists debit or credo entries to you back aocouK as applicable, b owed an amr in the processing of such peyrrent You must tell us to amount of each paymeal, or you can select an amount such as ere Miimaa Paprent Due or lie New Nance on each slelenort. YOU can cancel a peyoent, however we must ream notice at least three bueness days in advance of the scheduled payrront. You may noily us by phone at 14)00.317-2663 or by mail at ease address listed into previous paragraph. I your paymerss may vary in amount we will tell you on each m or" atalemnrnt when your payment 0 be made and how much d will be Your Automatic payment emomi may be leas tan radiated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We Rey mpont information about your account to credit burseue. Lila payvens, nissed payments. or other dote lte on your account may be refaced in you credit report. We normally repro to status and payment hisrry of yourAccount b redi repoilm agenda each morth. If you believe #us our repaint is inaccurate or incomplete. please write us at to following address: Discover, PO Box 15316, Wlmaglon, DE 19850.5316. Please include your rams, address, home telaphnore number and Account nanbar. PERIODIC FM CE CHARGES. Periodic race Charges are imposed on all transactions from to data the transaction a posted to your Account mil to date you pay you entire Now Balance, by making payments or receiving credits. However, t you pod the New Balance on you pianos billing atebrort by the Payment Dee Data shown on that statement, and you pay the New Nance by to Payers Due Dete on your current big delament, we wall not impose Periodic France Charges on row purchases, that is. purdhases fret appearing on the current slatemerd. We cat ors to grace period. Otherwise, you will receive a big stetenwd next month that includes Periodic Hake Charges on thaw new purchases. Then a is no grace period on balance transfers or cash advances. We amt your transectims nb groups of purchases, cash advances, and balance In rakrs and ten further sat the transactions wMhin each group by for Annual Percentage Rao. For example, purchases sublect b a promcimal rate and puchasa subject to a standard role would be seperala grape. We mfr to stria groups as kansadkon catepoies. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of to big paned for each transaction category We use On blbvvrnp aqusbon to compute Periodic Finance Charges for each Yreact m category: Average Daily Nance x number of days n the big period x Daly Perodic Rate. (Yes may refer to to liana charge summary on your billing saktmert for toes amounts.) Then we add asp the Periodic Fawns Charges for each trraadion od" to get the OW Periodic France Charges for your Account. The Average Deity Balance is shorm as ono t, because of to grace period, no Periodc Fear Charges apply to the balance in a transaction category. We use the Avef&* Daly Balance (inckdlrg new fransaciora) rralrod of alo lairg the basins upon which we impose Periodic Famrce Charges. We compute the Average Daly Balance la each eansacim category by adding up all de daily be ==in a billing period fa a traroecion category and drisdi g the bbl by the number of days in to big cycle. We compute Is daily baWce for each transaction category on each day by irsl addiig to folowng to the previous day's daily behnce : transactions made tat day. lees charged tog day rd Periodic From Charges accred on the previous days duly baler, and by ten subtracting any credits and payments"re applied against the belence of the transaction caegay ont at day. n calc lating to daily baler fort* rill day a t#* billing period, we x ", Ihe'prevan *a belence'to taus been your bear for each transaction category on eb last day of your pmavious billing priori. I e Ira section is posted to you Accent after the dose of the bilrg period n whK h it occurs. we will treat to transwbon as hav- ing Doomed on the ant day of to big period in which it is paled to your Account. At fees f???j t are added to the standard purchase transaction calepay with to exception of Cash Advance Transaction Fee Finance Chagos etrrh are added to to apps a t?blraecion atsgoryand Balance Transfer Transaction Fee Finances gorges wtech are added b the appkcable balance ureter transaction category. When a special balance transfer rate exiles, we move to unpaid balance of the, balruce transfer and to Balance Transfer Trmacion Fee Fiance Charges to the standard purchase transaction category. However, t to special rate has been terminated under the Defrll Rate Plan, we leave to unpaid balance of to baance traralr and to Balance Transfer Trans- action Fee Finance Charges in the applicable transacim cdoM unit to spedd We would have expired. For TDO (TNramnaNcallons Device for the Dsaq assistance, planes all 1404347-7449. Discover may mon or ardlor record telephone cols between you and Discover representatives for quality assuar purposes. The Discevan-ad sawed by Discover Bank, Member FDIC. 01TBN170' DISCOVER New Balance Minimum Payment Due Account Number ending in 2369 $4,182.12 $238.00 Enter Amount Enclosed Below Payment Due Date $ June 14, 2009 Please make check payable to Discover Card. Minimum ymsnt due includes a past due amount of $122.00. 19 SDSN8A01 0011538 RICK HOOVER 1190 NEWVILLE RD - CARLISLE PA 17013-1739 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 Illrrrllrrrrrrlllrlrrllrrsl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeQPrint change in space ????i??(n(n? i(irl) above, or go to Discover.com. Print your e-mail address to 111receive important Account information and special offers. 000001986458892412228041821200000000023800 Discover Open Road Card Account Summary Closing Date: May 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance 54,042.28 Payment Due Date June 14, 2009 Payments And Credits 0.00 Minimum Payment Due $238.00 Purchases + 39.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $117.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges + 100.84 Cash Credit Available $117.00 _ New Balance _ s $4,182.12 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshbock Bonus Balance $ 17.07 New Cashback Bonus This Period + 0.00 Cashback Borrus® Anniversary Month: March Cashback Bonus Balance $ 17.07 How Can We Hel You? 1 Visit Discover com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service 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 (assioance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. TDrons.ab Post Date Odd/ANscoloneous May 15 May 15 LATE FEE $ 39.00 Information For You * *ATTENTION* * Your March 2009 billing statement contained a message that your Payment Due Date would be changing. This notice was provided to you in error Please continue to refer to the date printed at the top of your remittance coupon for your Payment Due Date. * *' ATTENTION • •' Your accounn is past due. Please pay the past due amount now, or contact us to make other arrangements. Mi Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE ?HtCENTAGE FINANCE FINANCE Babnces Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $37e8.22 0.08216% 29.99% V 29.99% $93.38 $0 Cash Advances $302.59 0.08216% 29.99% V 29.99% $7.46 $0 The rates that apply to your Account ,re either fixed (F) or they may vary (V) as noted above. ImpmtW Informslim. 6 there's more tan one page to this billing slalemeK see the hack of each papa fa additerw inporm ntormauen. cn Sae Your CArdrwnbarApnamanl. Your Car dnnnDer Agreement wmains our the terns of yourAccouhL cn Lost or slden ands. Report imedeteiyl Cat 1ab44474613. o' D Billing Rights Surnmary. In Case of Eras or OuestonsAbout Your BA: If you think your bill is if you need more m abate a on your bill, write to us on a ' a you no lalar then an 6 60 0 days t separate sheet of paper at Discover. PO Box 30421, Salt Lake City, UT 64130-0121, as soon possible. ble. We mat hear from you no after we aril you the first tell on which the aura or problem appeared. You can telephone us, bbd dokg so will not preserve your rights. In your letter, give us the following information: ? Your name and Account number. w The dollar amount of the suspected arc. co Describe the era and explain. A you can. why you believe two is an am. If you need more Information, describe the Item you are unsure about o V You do not lave to pay any amount in question write we ere invesigatng, bR you are still obipabd to pay hue pars of your bill to are not in gUeeti0nl. WFule the investigate your question. we canna report you as delinquent or take any action to collect the anhoum you question. Special Rule for Credit Card Purchases: If you have a problem with to quality of goods or services tat you purchased with a aadit card. and you have tied in good faith to cared the problem with the merchant, you may riot have b pay to remaining amount due on the goods or services. You have this protection only when the purchase price was more tan $50 and the purchase was made In your home stale or within 100 mks of your me" address. (If we own or operate the merdwL or t we melted you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase) Payments. Send only you payment and the top portion of this Stalemeni in to envelope provided. Do not send cash. By sending you deck as described above, you authonze us to use ktormaton on you check to make an electronic fund transfer from you accent at the financial institution kdicaled on your deck or to process the payment as a deck transaction. N payment is processed as an electronic had transfer. the transfer will be for the amount of the check. Wlhen we use in10nmatidn from your deck to make an WecW* fund transfer, funds may be withdrawn from your account as soon as live same day we receive you payment, and you will not receive your deck back from you finandal nstitution. The pocessig o (your payment may be delayed A you send cash, axrespadence or other (terns with your payment t you send the payment to any other address or t you use an envelope other tan the one provided. Payments received in paper form at our processing facility by SPAT local time on any day will be credited to your Account as of that day payments received at our processing fanny after 5PM local time will be credited b your Account as of the ned day. If you have misplaced you envelope, send your payment to Discover. PO Box 6103, Card, Stream, IL 601976103. Please allow 7-10 days for delivery. t your payment is retrred unpaid, we reserve the right to rewbrhit A as an eieckorhic debit. You can pay your minimum payment or a greater amount over the We0ions, and you can set up arlbmatc paymertb. Cat its at 1.60347-2683. You will need he statement and you bank account information. Yeu mast enure that su6kiem U* are astable in your bank acoohnt and all tai saWos mat comply with U.S. law. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authonzation to slow us and your lank to deduct each payment you authorize from your Wink account and to Initiates dW A or nredt WOW to you bank account, as eppicable, to correct an era in the processing of such payment. You must tell us the amount of each pymnert or you can sided an amount such as the WhMean Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least tree business days in advance of the scheduled payment. You may dolly us by phone at 1.800.347.2883 or by mad at to address listed in the previous paragraph. If your payments vary in amount, we will gel you on each mouthy stalernent when your payment wig be made and how much It will be. Your automatic payment amount may be less tan ildif2(ed on the m or" statement based an credte or payments applied dtring the bhg cycle. Credit RepoAkp. We may report information about your account b crerfit brews. Late payments, missed payments, or other defaults on you amount may be r AWA in your credit report. We normally report the status and payment history of you Accent to credit repo agencies each month, t you believe that our report is inaccurate or Incomplete, please write us at the following address: Discover PO Box 15316. Winwglm. DE 19850.5316. Please include your neme, address, torte lelephoe number and Account nrnber. Grace Period on Purchases (at least 25 drys). yye begin to Impose Periodic Finance Charges on all transactions from the Transaction Dos for the transaction as shown on your billing staiameK unless a transaction is posted to you Account alter the dose of to bang period in which it occurs, in which case we begin to impose Periock Finance Charges on that Icnsetlbn from live first day of the biding period in which A is posted b you Aeoaunt We confirm b impose Periodic Finance Charges urd to date you pay you were New Balance, by making payments or raceivirng credits. However, t you paid the New BelerLB on your previous bilirg statement by the Paynnem Due Date shown on that billing statensm and you pay , the New Balance by the Payment Due Date on your wffW billing statemeK we will not impose Periodic Finance Charges on new purchases, tat is, purdeses Gal appearing on the current bilking statement. We call On the "grace period.' There is no grace period on balance lensfers or cash advances. Minimum Fkance Charlie. We will dwW you a minimum FINANCE CHARGE of 560 for any billing period in which Periodic Finance Charges of ass than 5.50 would otherwise be Imposed. Annual Fee. If yourAccourt has an annual fee, it will be billed at the beginning of each anniversary year WAoxxri is open. The amount of the fee appears on the statemat when to fee is billed. The amuai fee is not refundable unless you noty us OW you wish to dose yourAccasf within 30 days of the mailig a delivery date of the statement on which to fee is bided. You will receive this refund even If you use you Cad during tat parhod. Periodic Finance Charges, Vk sat your transactions h!o groups of purchases, cash advances, and balance transfers and ten funter sort the transactions within each group by theirArvnd Peroe tats Rate. For example, purchases subjea to a prmho" rate and purchases subject to a standard rate wall be separate groups. We refer to these groups as tasadion categories. AI the end of each biting period, we conpate balances and Periodic Finance Charges for each day of the biting period for each transaction category. We use the following equation to compute periodic Fiance Charges for each transaction ralegory: (Average Daly Balance) lines (days in billing grist) times (Daily Periodic Rate) (You may refer to the finance charge summary on you billing statement for these amounts.) Then we add up to Periodic Fiance Charges for each transaction category to get the foal Periodic Finance Charges for your Account. The Average Daily Balance b shown as zero A, because of the grace period, no Periodic France Charges apply to the balance in a trnsaW3 to the daily balance as of the fret say of the btlig period In which t is posed to your Account. leas charged that day and Periodic Fiance charges acahued on time previous nays aaiy Wow; all by tan subtracting any credits and payments tat are tippled apaist the balance of the tarsaction category on to say In calculating the defy balance for the first day of Ad fees charged to you Account are added to the standard purchase traneeeim cagory with to exception of Cush Advance Transaction Fee France Charges which are added to the applicable cash advance Ini sarticn category and Balance Transfer Tra sactionn Fee Finance Charges which are added b the applicable balance transfer transaction category. Whim the special rate expires. wa move the upeirl balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, t the special rate has been tenriieted under the Default Rate section, we leave the WOW balance of the balance taster and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaccton category until the special rate would have expired. We use erags Balance (ihdcxfimg new transactions) method of calculating the balance upon which we irpeee Periodic Finance Charges. M comphls to Average Defy Balance her each irmection category by adding pal tine truly balances in a biAig period fx a transaction category and aiviig the tea by is nniber d days n live f>iltrng period. We oarpuM the defy balance for each trauhsacbon catagopm on each day by feat adding the following to live previous day's daily balance: lransectlors with a Transaction Dab of that day as shown on your biig statement amass to traraaftiorl is posted to your Account after the doss of the bitting period in which it occurs, in which case the transaction will be added the billing period, we consider the previous day's daily baarce' to have been your balance for each transaction category on the last say of you previous biding period. For TOD (TeNeomrmmieatons Device for the Deaf( asslatiem, please rat 14104317.7149 Discover may monAa andfor record telephone calls between you all Discover representatives for quality assurance purposes. The Discover' card's issued by Discover Bank, Member FDIC. OITSK171 New Balance I Minimum Payment Due Account Number ending in 2369 DISCOVER $4,200.42 $237.00 Enter Amount Enclosed Below Payment Due Date $ July 14, 2009 Please make check payable to Discover Card. Minimum poyment due includes a past due amount of $ i 16.00. 19 SDSN6A01 0011539 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Access and manage your account at www.Discover.oom or visit m.discover.com on your mobile phone. PO BOX 71084 (??sss??rrrrrr???s?rr??srs? CHARLOTTE NC 28272-1084 Address,a-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to I I I II 11rBill rI II I rrrI rrlrlirrl1llrrrlrr1 Bill 111 111 111111 1 1 11 11 receive important Account information and special offers. 000001986458892412228042042200122000023700 Discover Open Road Card Account Summary Closing Date: June 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance $4,182.12 Payment Due Date July 14, 2009 Payments And Credits 122.00 Minimum Payment Due $237.00 Purchases + 39.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $95.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges + 105.10 Cash Credit Available $95.00 New Balance = $4,204.22 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashback Bonus® Anniversary Month: March Opening Coshbock Bonus Balance $ 17.07 New Coshbock Bonus This Period + 0.00 Cashback Bonus Balance $ 17.07 How Can We Help You? 1 Visit Discovw can to pay your bi for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. TDranb s. Post Payments and Credits May 24 May 24 PAYMENT THANK YOU $ 122.00 Other/Miscellaneous Jun 15 Jun 15 LATE FEE 39.00 Information for You * * * ATTENTION ` * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. FWWCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3816.40 0.08216% 29.99% V 29.99% $97.20 $0 :Cash Advances $310.27 0.08216% 29.99% V 29.99% $7.90 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important nformaton. N throe's more Then one page to this billing statement, see the back o (each papa for additional important information. cn See your Cardmamba Agreernem. Your Canknember Agreenterd contairhs all to term of your Accent. Z Log or Station cards. Report immisdiatelyl Call 1100317 ?653. > 0 BlIft Rights Summary. In Case of Emors or Questions About Your BML' N you fwok your bill k w o g. or if you need more iMarratiah about a transaction on your bill, write to us on a J separate wheel of paper a1 Discover, PO Box 30421, Saft Lake City, UT $4130-0421, n soon as possible. We must hear from you no later then 60 days a0er we saint you the fret bit on 13 which the wor or piabler, appealed You can telephone us, but doing so will no preserve your rights. In your letter. give us the following information: Your none and Amount number W The dollar amount d the suspected arras rO Describe to aror and explain, N you can, why you believe there is an error. N you need more fnbmalion, desrnbe the item you are mum about. You do not have to pay any amount n question while we are investigating, bul you are $9 obligated to pay the park of your bill that are not in ghostion. Whte we investigate your question, we cannot report you as dek quern or take any action to cotes the amount you gAsW, Special Rule for OKM Cant Pumbeses: 9 you have a problem with Is quality of goods or services that you purchased with a credit card, and you have tried in good laic h to cored to problem with the merchant you may not have to pay the remaining arnert due on to goods or almost. You have the pnNedion only when Ica purchase price was more than $50 and bhe pwdase was made n yam hors stale or wigm 100 miss of you mating address. (If we own or operate the merchant, or N we mated you the advertisement for the goods or services, at pwdases are oovered regardless of the avant or location of purchase.) Payments. Send any you payment and the top portion of this statement in to envelope provided. Do not send cash. By sanding your tack as described above, you sutlrorbe us to use information on your check to mdse an electronic fund taskr from your account at is financial Maution indicated an your dace or to moves the payment as a dock transaction If payment Is processed as an electronic Axle transfer, the Lander will be for the amount of is dads. When we use intimation from your dads to make an elections: fund ham*, funds may be withdrawn from your amount as som as the same day we receive your paymak and you will not receive your check bats from your 6namdd nstiaaion. The processing of your payment may be delayed Nyou sold rash, correspondence or other hems with you payment, 9you said the payment to any other address or N you use an envelope other than to one provided. PapneMs received in proper form at our proaesanng b*y by 5PM local tine on any day whit be credited to your Account as o (M day. Payments received at our processing bdlily after 5PM local time will be ore" b your Account as of the next day. N you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card, Stream, A 60197-0103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your mninun payment or a greater aloud ova the wkphaw, and you can ad up eubmake payments. Cat us at 1-000.347.2683. You will need two statement and you bank accent information. You mud ensue this suf iciad furls are available in you bank account, and at baaadims mug am" with U.S. law. You will be askW to provide the first 5 diges of you account statement ZIP code. By arsevig those numbers as your aNctranic signsl re, you will be agreeing to this authorization to slow us and you bank to do" each payment you autrortze from your bees account, and b rritiate debtor credit , ies to your bank account, as applicable, to armed an ernes n tirprooeeWg ofandn paymant You must tell us the arrant of each payment or you can Baled an amount Much as Ms Minimum n Payment Due or the New Balance on each statement. You can canal a pa rnert; however we must mum notice at least tree business days In advance of the scheduled payment. You may nody us by phone at 1400.347-2683 or by rat at the address listed In the previous paragraph. f your payments vary in amount, we will fall you on each monthly statement when you payment will be made and how much it will be. Your automatic payment amount may be less than indicated an the monthly statement based on aeda or payments applied during to billing cycle. CmM Reporting. We may report info nation about you amount to credit bu tiara. tae payments. missed payments or oft defo lls on your account may be reflected in you credit report. We normally repon the starts and payment history, d your Account to ask reporting agencies each month. N you believe tal our report is inaccurate, or noonplete, please write us at tls fosowing adoass: Discover, PO Box 15316, Wilmington, DE 19850.6316. Please made you same, address, home telephone number and Account number. Grace Period on Purchases (at Nast 28 days). We begin to impose Periodic France Chegea on all barsac9ms from the Transaction Data for the transaction as shown on you bitting statement, unless a transaction is posted to your Accowd after the dose of to big period in which 4 occurs. in which see we begin to impose Paiodc Finance Charges on that transaction from the 10 day of the billing period in which it N posted to your Account. W1f continue to impose Pen odic Finance Charges welt the date you ply your entire New Balance, by making payments or receiving credits. However, N you paid to New Balance on your previous billing saement by the Payment Die Dell shorn on tat biting stManad and you pay the New Balance by tle Payment Due Dale on you current big stelemeK we wg not impose Periodic Finance Charges on new purcheses, tat is, purchases first appealing on the crrent billing statement. We art this the 'grace period." There is no grace period on balance transfers or rash advances. Mnkman Fkance Charge. We will large you a minimum FWANM CHARGE of $.50 for any billing period in w/wch Periodic Finance am" of less than 5.50 would otherwise be krposed. Anal Fee. N you Account has an amxei fee, it will be billed at the beginning of each anniversary yea your Account is open. The amount of the fee appears on IN statement when Di) fee is bided. The arrasd hie is not refundable unless you n otiy us Met you wish to dose your Account within 30 days of the mailing or delivery date of be stabmerd on which do fee is billed. You will receive to refund even N you use your Card during that period. Perlolk Finance Charges. We sat your transactions into groups of purchases, cash advances, and balance transfers and then further sat to transactions within each group by lheirAnnu,j Pwcenlayk: hti,t- Fu example, purchases subjecib a promliaal rate and purchases sub)ed to a standard rate world be separate groups. We refer to Lase groups as transaction categories. Al the and of each biting priod, we compute balances and Periodic Finance Changes for each day of do bung period for each transaction category . We use tine following equation to compute Periodic France Charges for each transaction calegay: (Average Daly Balance) Uses (days In biting period) Imes (Daily ftiodlo Raw). (You may refer to to farce charge summary on you billing statement for two amounts) Then we add up the Periodic France Charges for each transaction category to gal the halal o ga s for your Account. The Average Daly Balance is shown as zero N, because of the grace period, no Periodic Finance Charges apply to the balance in a P ri dicc Finance Cha r s a !? ? Wa userett BVBalance (inducing now trasaedons) meM od of calculating bhe balance upon which we impose periodic Finance Charges. We compute the Average Daily Balannce for each rasectiorh caegory by addling up all the daffy bdahoea n a bang period bra transaction aterM ant diwidig is total by the mrnberddays in the big period. We compute to daily balance for each transaction aNgay bin each day by trd adding the following to ft previous day's dally bate c e: transactions with a Transaction Date d the day asshown onyour big daWn@K unless dw trasectm a posted b youAmeud after fs done ofIca biog period n which M owes. n Wwb rase t s raasabtion willbe added to the dory balance as of the first day of the bXng period in which it Is posted b your Account. bes charged tW day and Perb6e Finance Charges accrued on the previous days daily baannce; and by ten anbrecUg any medal and payments MA are applied against the balrhoe of the transaction category an that day. In calculating to daily balance for the test day of the billing ported, we consider as 'previous day's daily balance to hew been you balance breach re soar category on to Met day of your prev+as big period. AN lass changed to your Account us added to is standard pudase transaction celagory with is exapton of Cash Adam Transaction Fee Finance Charges which we added to the appdable cadn advanceaYlateaclarn ategory ad BWahoe TwdW Trarsacim Fee Fkw C hrges which are added I DV* applicable baarnce ranger tansaction category. When the spacial rate wpm. we mow the uhpaW balance offs balance tasler and the Balance Trash Transaction Fee Finance Charges tote standard purchase transaction category . However, P to special raft has been terminated under is DsNdt Raw seal orv we leave is unpaid balance of the baler transfer and the Balance Transfer Transaction Fee France Charges in Ma applicable balance transfer trarsacdon category until is spedal rasa would hew expired. For TOD (TaNoxmmurk4tiont Device for the Deal) seekfance, please call 12110317.7449. Discover may mor or mxft record blephaa all between you and Discover representatives for quality assurance purposes. The Dkcowr' card is issued by Discover Be* Marker FDIC. 01TBK171 DISCOVER $4Now Bala ,2 065cs 19 SDSN6A01 0011540 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due Account Number ending in 2369 $240.00 _ __ , Enter Amount Enclosed Below Payment Due Date $ August 14, 2009 Please make check payable to Discover Card. Minimum yment due includes a past due amount of $121.00. Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 111.11??rrrrrr???r?rs??rnr? CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lnlrllr,l?rrlrllu?lr,l?lrr,lllln?lnlnlnllrrlnlrrl?lnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228042306500116000024000 Discover Open Road Card Account Summary Closing Dale: July 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance $4,204.22 Payment Due Date August 14, 2009 Payments And Credits 116.00 Minimum Payment Due $240.00 Purchases + 39.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $69.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance a s + 103.43 Cash Credit Available $69.00 _ Now Balance _ $4,230.65 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance 5 17.07 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 17.07 Cashback Bonus® Anniversary Month: March How Can We Help You? . 1 Visit Discover cons to pay your bit for no cost, view r latest Account information, own and redeem rewards and more Ctrs your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy sellLservice options or to speak with a Customer Service Account Manager Please haw Discover Card available. your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. s. Post Da Dole Paymenb and Crodik Jul 5 Jul 5 PAYMEN T THANK YOU $ 116.00 Odd/Miscellaneous Jul 15 Jul 15 LATE FEE 39.00 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashbock Bonus for a $25 Bed Bath & Beyond gift card. AAAHi 'Charge Summary Nominal Transaction Averogi Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolan,=z Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $387813 0.08216% 29.99% V 29.99% $95.59 $0 Cash Advances $318.13 0.08216% 29.99% V 29.99% $7.84 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. lmpalard Ydormatim. If there is more tam one page to On billing statement see to back of each page for additional important information. Sea your Cardmember Agreement. Your Candmenba Agreement conlars al the terns of you Account. Lost or stolen cards. Report immediately! Cal 1.111.347.28113. Billing RVU Summary. In Case of Emors or Questions About Your Bit: If you MM your bill is wrap, or l you need more information about a transaciol on your bill, vnile to us on a separate sheet of p Bier at Dtsmver, PO Box 30421, Salt Lake City, UT 64130-0121, as soon as poselble. We must hear from you no later than 60 days aler we sent you the first bill on which the error or problem appeared. You can Wepone us. but doing so will not preserve your rig t. In your arse. give us the following orientation. Your now and Account number. The dollar amount of the suspected error. Describe the error and explain. it you can, why you believe there is an are. If you need more nkxmalon, describe file item you are ~a about. You do not have to pay any amount in question while we sro investigating, but you are all atligeted to pay the pans of your bill that are not in question. While we Investigate your question, we cannot report you as delinquent or We any action In called the armean you question. Special Rule for Credit Card Purchases: If you have a problem with the quality o1goods or services that you purchased with a sent card, and you have hied in good faith to comect the problem with the merchant you may net have to pay the remaining amount die on the goods or services. You have In protection only when the puchase price was more dean $50 and to purchase was made in your hone slale or witlrn 100 miles of your maing address. (t we own or operate the merchant, or l we mailed you file advertisement for the goods or services, at purchases are covered regardless of the amount of location of purchase.) Payramte. Send only yaw payment and the lop portion of Iles stanniadd In to envelope provided. Do not send rash. By sanding your check as described above, you aularize ups to use information on your check to make an electronic kind bander from your account at the fneidal institution ihdicafed on your check or to process fie payment as a ededk hansadtiah. H payment is processed as an electronic fund hander, the Wander oil be for the amount of the deck. Man we use nWrmalgn from you detdk 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 dad bade from your financial Institution The processing of your payment may be delayed If you send cash, correspondence or other lems with your payment, a you send the payment to any odar address or if you use an envelope other than the one provided. Payments received in proper format our processing fatly by SPM local time an any day will be credited to your Accent as d that day. Payments received at our processing Wilily after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol, Stream, IL 60197-6103. Pease allow 7-10 days for delivery. If your payment is rekrned unpaid, we reserve the right lo resubmit it as an electronic deba. You can pay your mirmune payment or a greater amount over the telephone, and you can set up asterisk payments. Cat us at 1.800.347.2683. You will need this statement and your bank account infamatiah. You must ensure to suMcient funds are available in your bank auant and at transactions must comply with U. S. law. You will be asked to provide the first 5 do of your account statement LP code. By ameng those nrrdes as your slectonb Wailes. you will be afire si g to this autbdzatrn to allow us and your bank to deduct each payment you autadze from your barilk account. NO to kOM debt of credit emites lo your bank account, as apps cable. to oared an ems in the processing of such payment. You must tell us On amount ol each payment or you can select an amount such as the MiN mm Payment Due or le New Balance on each statement. You can cancel a paynenk however we must receive notice at least tree business days in advance oldie sctedmed payment You may rawly us by phone at 1800.347-2M or by mail at the address listed in the previous paragraph. If gar payments vary in amount, we will fell youm each monthly statement when your payment will be made and how much t will be. Your automatic payment amount may be less tlhan indicated on the monthly statement based on creft or payments applied during fie bung cycle. Credit Reportig. We may report nbmratiorh about your account b credit bureaus. Late payments, missed payments, or other delaufs on yam account may be reflected in your credit repot. We normally report the status and payment history of your Account to credit reponip agendas each month. l you believe that our report is inaccurate or Incomplete, please write us at the following address: Discover, PO Box 15316. Winninglon, DE 19650-5316. Please include your name, address, fame elephone number and Account number. Grace Period on Purchases (at least 21 daysl. We begin to impose Periodic France Charges on all transactions from the Transaction Date for the transaction as shown on your biting statement, a lieu a transaction is posted to your Account aler to dose of to bft period in which l occurs. in which case we begin to impose Periodic Finance Charges on that uansactm from the lest day of the Wkng period in which R is pasted to your Account. We cannlroae No impose Periodic Franca Charges until the date you pay your entae Now Balance by making payments or receiving credits. However. N you paid the New Saterlde on your prevaut b*V stalemam by the Payment Due Date shown on that billing statenet and you pay the New Balance by the Payment Due Date on your current biting staternem, we will not In" Periodic Finance Charges on new purchases, tat is, purchases lust appearing on the current billing statement We cal his the -grace period:' There is no grace period on balance hreem or lash advances. Minimurn Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any bung period in which Perak Finance Charges of less than $30 would dhemdse be reposed. Annual Fes. If your Account has an annual fee, It will be billed at the beginning of each arr'vesary year your Account is open. The arrant of the fee appears on the statement when to fee is billed. The annual fee is not refundable mess you nobly us tat you wish lo dose your Account welkin 30 days of the mailing or delivery date of One statement an which the lee is tailed. You will receive In reknd even l you use your Card during thal period. Periods Finance Charges. We sot your transactions Into groups of purchases, cash advances, and balance tansefs and Can further surf the transactions within each group by lei Annual Percentage Rau. For example, purchases subject to a promotional rare ant purchases subject to a standard rate would be separate groups. We refer to these groups as tretacbm categories. AI the end of each billing period. we compute balances and Periodic France Charges for each day of to being period for each transaction category . We use the blowing equation to con" Periodic Fmww Charges tor each transaction category: (Average Daly Balance) times (days in tiling period) tires (Daily Periodic Raiel. (You may rider to to finance charge summery on your bilrp statement for terse amounts.) Then we add up the Periodic Finance Charges for each transaction caegory to get the Will Periodic France Charges for your Account. TtaAverage Daily Balance is shorn as zero if, because of Me grace period, no Periodic Franca Changes apply to the balance in a We .4. M.M. 6 rg5etly Balance (including now tmnsectim) method of cakadaing to balance upon which we impose Pei Finance Changes. We cer" to Average Daily Ba{emoe for each tanaaction pate- by adding up al the daily balances in a bring period to a transaction category and dividing the local by the number of days in to bdIM period. We compute the daily balance for each transaction category at each day by list adding the lob" to the previous day's daily balance: transactions with a Trensecton Date of to day as shown on your bNM statement, unless #a transaction liar posed b your Account ale the dose of l he billing period in which t occurs, ih which case the transaction will be added to the daily balance as of the first day of the billing period irkwh ion it it posted b you Accout, has charged that day and Periodic Fnamee Charges accrued on to previous day's daily balance: and by tan subtracting any credtte and payments list am applied sprat to balance of In transaction category on that day. In calculating to daily balance for the first day of to berg period, we consider the'previous day's daily belance- to hwhe been your balance for each transaction category on the lest day of your previous bill" period. Al tees charged to your Account are added to *a standard Purchase twaUbn category with go exception of CwhAdva ce Transaction Fee France Barges which we added b the applicable lash advance bersaclan category and Balance Tranehr Transaction Fee France Charges which am added lo to applicable balance Insider transaction c megay. When to spawn rate expires, we move to unpaid balance of to balance as dim cad to Balance Tralaer Tmneaclm Fee Finance Charges lo @a standard purchase transaction category. However, t the special no has been fernihsted under to Data* Rate sector, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges in the applicable balance transfer transaction category u4l the special rate would have expired. For TDD (Telecomirmications Device for the Dad) assistance, please call 14WU7.7449. Discover may manila ardor record teteptio a cats between you and Discover, representatives for qu" assurance purposes. The Discover' card is issued by Discover Bank, Member FIJIC. OITBK171 DISCOVER S4590M ' 19 SDSN6A010011541 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due Account Number ending in 2369 $244.00 _ Enter Amount Enclosed Below Payment Due Date $ September 14, 2009 Please make check payer to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the ovedimit amount of $290.69. Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 11111111 111111111611111 go I CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228045906900000000024400 Discover Open Road Card Account Summary Closing Date: August 19, 2009 page 1 of 2 Account number ending in 2369 Previous Balance $4,230.65 Payment Due Date September 14, 2009 Payments And Credits 121.00 Minimum Payment Due $244.00 Purchases + 371.80 Credit limit $4,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Fiance Charges + 109.24 Cash Credit Available $0.00 New Balance - $4,590.69 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashbock BonusO Since Anniversary Month March: $5.48 Opening Cashbock Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance $ 17.07 + 5.48 $ 22.55 Y H C H l ? W I Visit Dixover.com to pay your bill for no cost, view your p ou ow an e e latest Account informafion, *am and redeem rewards and more s to help It's our choice - 3 wa 2. Call I.800aSCOVER (347-2683) for fast, easy sell service y y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) no reverse side Salt Lake City, UT 84130 'Transactions $0 Fraud Uabihty Guarantee Use your Discover Card with confidence. Trans. Post Dab Poymenh and Credits Jul 25 Jul 25 PHONE PAYMENT THANK YOU $ 121.00 Merchandise/Retail Aug 8 Aug 8 BEVERAGE EXPRESS CARLISLE PA 4698 Aug 9 Aug 9 WAL-MART SC #2574 CARLISLE PA 100.75 Other/m6celaneous Aug 15 Aug 15 LATE FEE 39.00 Aug 19 Aug 19 OVERLIMIT FEE 39.00 Gasoline Aug 8 Aug 8 BP OIL 06142384 PLAINFIELD PA 50.00 Aug 9 Aug 9 BP OIL 06142384 PLAINFIELD PA 65.01 Aug 10 Aug 10 BP OIL 06142384 PLAINFIELD PA 14.01 Supermarkets Aug 8 Aug 8 WEIS MARKETS #95 CARLISLE PA 17.05 Information For You tp?jPN "• Your account is past due. Please pay the past due amount now, or contact us to make other a ng on Mnportant bllonnadom Itthare s more than one page to this bang salanent sea the bad of each pope br additional imporlarl inbrmallon. U) See yourCardmermba Agreement. Your CartmemberAgrembnl contain el to lerms of your Account. Z Lost or slokn cards. Report imneclai Call 1.800347.46&1. o BAIkp FWft Summary. in Case of Errors or Questions AbonA Your Bit: If you think your bill is wag, or A you need more inicausilon about a transaction on your bit, was to us on a c separate ah"t of paper at Discover, PO Box 30421. Sall Lake City. UT 841360121. as soon as possible. WB must hear from you no later than 6D days after we sent you the fast by on o which the aror or problem appeared. You can telephone us, bul doing so will riot preserve your rights. In your beer. give us the following hicirmaticn: Your name and Account number. T The dollar anound d the suspected error. X Describe the error and wiplain, t you can, why you believe tare is an army. If you need more Wormation, describe the item you are unsure about. You do not have to pay any amount in question white we are Investigating, but you are ON obligated to pay the parts of your bill that are not in question. White we investigate your question. we cannot report you as deittgtwd or take any action b collect She amount you question. Special Rub for Credit Card Purc h"sas: If you have a problem wilh ft quality of garde or services thal you purchased wch a credit cad, and you have tried m good IsM b correct the prottan with the merchant. you may riot have to pay the rentaning ansut de on to goods or services. You have tits protection any when the pundhi se price was more than $50 and the purchase was made in your home stab or Whin 100 miles of your maing address. (If we own at operate tie madhant or t we mailed you the advertsemenl for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Said orgy your payment and the lop portion of this statement in tre envelope provided. Do not send cash. By sending your check as described above, you authorize us to use nbrmation on you check to make an electatc kad trahsler from your account at the financial istiklim fr ofteled on your check or to process Be peymeM as a check tranacl orh. it payment is pmcassed as an electronic kad transfer, the transfer will be for is amotlM of do check. When we use idamabon from you check to make an ebcbatc fund transfer, funds may be withdrawn from your account as soon as to same day we rsoeNe your payrrat and you will not receive your check bad from your Anancciat Institution. The processing of you payment may be delayed if you send cash, correspondence or other lien wiMh your payment, If you sad the payment to any other address or t you use an envelope other than the one provided. Payments received in proper brm at our proi ssi g faulty by SPM local lime on any day will be credited to your Account as of that day. Psym ews received at our processing facility after 5PM local time will be credited b your Account as of the next day. If you have misplaced your envelope, send your payment to Discover. PO Box 6103, Card, Strewn, IL 60191.6103. Please allow 1-10 days for delivery. I your payment Is returned unpaid, we reserve the right to resubmit A as an electronic dehn You can pay your minlmun payment or a greater amount over the Wephone, and you can act up aulomeUC payments. Cal us at 1.800.347.2603. You will need On statement and your bank acoount irtormation. You must ensure to suAkiml Mods are evasbie in you bank account and all transactions crust coney win U.S. law. You will be asked to provide tiro first 5 6gis of your aeoaat slebnerht ZIP code. By alllelig those numbers as your etKlionic signakre, you will be agreeing b this autlorizalion to slow us and your bank to deduct each payment you authorize tom you bank account, and b Male debit or anedt ankies to your balk account, as applcable, to coned an eta in pre processing o1sudn psymert You musk let us the amount of each payment or you Can select an amount such as rte Whim Psymem Due or the Now Balance on each statement. You can cancel a payment: however we must receive notice at least tree business days In advance of In sdrodled payment YOU may nobly to by phone at 1406347-2683 or by mail at the address listed In the precious be made and how much it will be. Your automatic payrend amount may wary in amount we will tell you on each "Oft stalamen! when your payment paragraph. If your ym or" slatemad based on credits or peynenb applied during the big cycle. t be less . c ed Credit Repadn0. We may repot IMametien about you account b Ueda human Late paynats, missed p>aymenas, a other detours on yxr account may be reflected in your credil report. M namely report the status and payment history of yourAccoult to as& neporongi agendas each month. t you believe that our report is kseaaate or incomplete, please write us at the blowing address: Discover, PO Box 15310, Wlmrglon, DE 19850.5318. Please idle you name, address, home telephone number and Account number. Grua Period on Purdbases (al least 25 days). We begin to impose Periodic Fnence Charges on all trasamna flan ft Transaction Date for the transaction as shown on your biting statement. unless a transaction is posted to your Aocoud alter the dose of tM Ding period In which It occurs, in which case we begin to noose Pe iodic Finance Charges on t&}( transaction from the Mrs! day of the biting period in which a is posted to your Acocurk rte conltrere to impose periodic Fine= Chases until the doe you pay your ernie New Balance 11he Payment Die Dale stown an that biting stalement and previous tilling slakshaint by receiving credits. 0 you this Now Balance on payments or n e n t t wB h new purchases, that s purchases first appearing o tith biti Bal she Payment D ue Date c ng statement, we will not k Impose fe C Finance Charges ie ew umeM V current big etaernert. We cat tie the -grow period:' There's no grace period on balance transfers or cash advances. MW mom Finance Charge. We will range you a minimum FIWINCE CHARGE of 550 for any bi ft period in winch Periodic Finance Changes of less than S.50 would otherwise be imposed. Annual Fes. K you Askant has an annual lee, it will be billed at the beginning of each ariversay year your Account is open. The antra of die fee appears on the statement when the fee is bind. The annual fee is not refundable unless you hotly us that you wish b dose your Account within 30 days of the mailing or delivery date of the statement on which the fee is bled. You will receive this refund even If you use your Cad dung tat payod. Periodic Finance Chagos. We son you trareactions into gags of purchases, cash advances, and balance transfers and ten khnlMr sat the Wansadlans within each group by their Anuan Fwrceruwge Rate. For example, pxarhases subject b a promotional roe end purchases. subject to a standard rate would be separate gaps. We refer to Use groups as transaction categories. At the and of each big period, we ampule balances and Periodic Finance Charges for each day of the billing period for each trimsectim category. ype use the blowup equation to compute Periodic Fiance Charges for each transaction category: (Averap Daily Balance) tines (days n lhilrg period) Imes (Daffy Paiodc Rate) (You may refer to lib manse charge summary on your big slatensM for these amotads.) Then we add up the Periodic Finance Charges for each transaction category to gal the total Periodic Finance Charges br your Account The Average Dally Balance is sham as zoo 1, because of the grace paled, no Periodic Finance Changes apply to to balance in a We use that Alves- Dally Marta (including new transactors) meted of cdmb ig the baWm upon wttchwe u pose Pwoft Finance Charges. We compute to Menage Daity Balance for each trareactorh cabgay by ildidilp uV al rte daily balm ss n a big period for a transaction category and dvidn0 to fetal by the number of days in to big period. We compute the dally balance for each kanseCton category an each day by Aral adding the following b to previous day's daily balance: transectons with a Tra isctien Dale of fret dry as shown on your billing sfa ement unless the tri secion Is posted b your Accout after the dose of the billing period n which Maxus, In which case to transaction will be added, to the daily balance a of to Alit day of to big period in which il Is posted No yo rAccant lies chaigod 00 dry and Periodic Finaoe Charges accrued on ft previous day's dally balance; all by than subaacting any credits and psyhwas Ashore applied against the balance of the transaction category on tret day. In calculating to dally balance for the Alit dry ol to biting period, we consider gw'p rAmm day's daity bstana' b have been your balance for each transaction category onto lest day of your previous billing period. AN lees dosed to yourAccouM are added to the standard pulichm transaction category with to caption ot Cash Adam Tmnsedion Fee Finance Charges which ore added to con applicable ooh advance transaction allegory and Balance Transfer Transaction Fee Finance Charges which are added b the applicable balance transfer transaction category. When to special rate expires. we move the unpaid b?stence of the balance tiensferand to Ba)anea Traofer TralmaCtian Fee Finance Chagea b pie sundwd pudess Wmadm category. However, If to special rate has been iaminaleA ender ftleeull Rase section, we leave this unpaid balance of the balance transfer and the Balance Transit Transaction Fee Fiance Charges in to app 0 1balance trarder transaction colefpry ursl to special nee would two expired. For T00 (Teleccoamu ications DrAcs for the D*A s"stance, plea" esfl 1404347.7149. Osoover may manibr andbr record letephore carts behwear, you and Dscom represahatives for quality assurance purposes The Dsoover' cards issued by Discover Back Memberl'PIC. OITBK171 DISCOVER tlpays to RICK HOOVER L DISCUVEW J Account number ending in 2369 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. Log in to your account at Discover.com from your laptop or your mobile device and see for yourself! 842012 Diwww Bonk, Member FDIC Closing Date: August 19, 2009 page 2 of 2 MVWCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Per is PERCENTAGE PERCENTAGE FINANCE F94ANCE Rgtes RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3962.41 0.08216% 29.99% V 29.99% $100.93 $0 Cash Advances $326.20 0.08216% 29.99% V 29.99% $8.31 $0 The rates that apply to your Account are either rued (F) or they may vary (V) as noted above. QU@StiWS? Manage your account at Discover.com or call 1-800-DISCOVER (I -800-347-26P,3). F-- --- -- New Balance Minimum Payment Duey DISCOVER $4,787.07 $378.00 Payment Due Date October 14, 2009 19 SDSN6A01 0011542 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Account Number ending in 2369 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $487.07 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 Illssrllrssrsrlllslrslltrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rr?rllulnr?r?lnr?ulrlnr?l?lnr?ulu?n??u?u?n?rlnl? above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228047870700000000037800 Discover Open Road Cord Account Summary Closing Date, September 19, 2009 page 1 of 1 ,Account number ending in 2369 Previous Balance $4,590.69 'Payment Due Date October 14, 2009 Payments And Credits 0.00 Minimum Payment Due $378.00 Purchases + 78.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,200.00 finance Cho%es + 118.38 Cash Credit Available $0.00 New Balance _ = $4,787.07 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 22.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 22.55 Cashbock Bonus® Since Anniversary Month March: $5.48 ;How Can We Help You? I Visit Discover com to pay yow bN for no cos', view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager P" have Discover Card available. your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post D Other/Miscellaneous Sep 15 Sep 15 LATE FEE $ 39.00 Sep 19 Sep 19 OVERLIMIT FEE 39.00 Information For You * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid of once. 'Phh'kfWCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4313.10 0.08216% 29.99% V 29.99% $109.86 $0 Cash Advances $334.62 0.08216% 29.99% V 29.99% $8.52 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) cis noted above. knpw M Infamalion. N there is more than one page to this bft statement we is bads of each page for additional imporlard nkormratim. on Sea your Cardmernbar Agrearrar Your CardinemberApernenl ordains OR the tern of yow Account. z m Lost or shrlen cards. Report immediately) Cal / N0347 2813. no Billing Rights Summary. M Case of Errors or Auestiam About Your Bub If you think your bill is asong, or N you need more nhomailiah about a transaction on your bill, write to us on a o separate dew of paper at Mouver, PO Box 30421, Souk Lake City. UT 841300421, as soon as possible. We must hear from you no War then 60 days after ova eerd you the fast bill on o winch the error or problem appeared. You can telephone us, tart doing so will not preserve you rights. In you letter, give us the timing information: i • You rhame and Account nanber. N The dollar amaaM of the suspected era. Describe to error and explain. I you can, why you believe there is an ans. N you need more inkmnkn. describe Me item you are unsure about. V You do not have to pay any somil in gnstion wI* we are investgal ng, but you are still obligaled to pay Be pads of your bill that are not in question. Whore we mmil ate you question. we carrot report you as delinquent or take any action to collect the amo rd you question. Special Rule for CroM Card Purehaas: N you have a problem with to quality of goods or services Mors you purchased with a credit card. and you have tied in good taint to coned the problem with the merchant, you may not have to pay the remaining amount due on to goods or services. You have tis protection only when the purchase price was more Man $50 and the pudwe was made in your horse stale or with 100 miles of your coaling address. (If we own or operate to merchant or N we nailed you the advertisement for is goods or services, all purchases are covered regardless of the acount or location of purchase.) Paymftata. Send only your payment and the top portion of his statement in the envelope pwvdded. Do not send cash. By sending you check as described abo^ you authorize us to use kni rmation on your check to make an electronic kind transfer from your account at the uncial insNW9m indicated on your check or to process the payment as a dftck transaction. N payment is processed as an electronic fund transfer, the tansla will be for the amount of to check. When we use ntonrhalan from your check to make an electronic fund transfer. funds may be withdrawn from you account as soon as the same day we receive you payment, and you will not receive you dock bads from your financial institution. The processing of your payment may be delayed Nyou sad Cash, correspondence or other Merin with your payment N you send the paynnerd in any other address or if you use an envelope other than the one provided. Payments received in proper form aloe processing facility by 5PM local erne on "day will be credited to yourAocaunt as of Mot day Paymeu: recewed a our processing hanky after 6PM local time will be credited to WAccaad n of the next day. O you have misplaced your erwelope, sand your payment to Discover, PO So- 6 M, Cant, Stresm, It. 601976103. Please allow 7-10 days for delivery. N you payment is reamed unpaid, we mum the right to resubmit Ras an electronic debit. You can pay your minimum payment a a greater amount over the Wephoi , and you an sat up aromatic payments. Cal us at 1.800347.2683. You will need On statemat and your bank account r kinat on. You must ensure that suBcierd lords are awiable in your bank account, and W tromactions must comply wlh U.S. law. You will be asked to provide the first 5 digits of your aaounl statareM ZIP code. By an" those numbers as your electronic signature, you will be agreeing to this autrorization b slow us and you bank to deduct earl, paylxmtyou authori a from you balk account, and to n Bate debit or oradt entries to you bank aomrrt, n applicable, b caned an am in the processing of arch payment. You mull nl us the annul of each payment or you an select an amount such n the Wwrimum Paynhent Due at the New Balance on each shlernent You can canal a p>aymad; however we must receive notice at Weal hoe bwkeas days in advari e of this scheduled payment You nay notly us by phone at 1600347.2683 or by chat at the address Asked in the previous paragraph. If your payments vary in amoon6 we will tell you on each monthly, dallmert when your psynwt will be made and how much t will be. You aukxraNc payment amourd may be leas then indicated on the monthly statement based on craft or payments applied during the biting cycle. Croft RepoAkp. We may report information abed you eoaont to cradl bureaus Lave payments, missed payments, or other delads on your account may be re8sded in your aedil report. M normally, report the stabs and payment history of your Apmunt to credit reporting agencies eafi month. It you believe that our report is na c roe or incomplete, pease write us at the following address. Discover. PO Box 15316, W it inglon, DE 198505316. Please include you name, address, home Weptnorne number and Award amber. Grace Period on Purchases (at last 25 days). We begin to impose Periodic Finahw Charges on all transactions from to Transaction Date for to transaction as shown on your biting statement. unless a transaction is posted to you Award after the dose of the blkg period in which it awe, In which case we begin to Impose Pocock Finance Charges on that transaction from the frd day of the tiling period in w4td1 it is potted to pyAcoaint We coroln is to npoas Periodic Frau Charges until the dole you pay your entire New Balance. by making paynsns or receiving credits, Hwmer, If you pail the New Balance on your perilous biting slaterrlent by Ole Paycent Due Des shown on that bung sfelemad and you pay it* New Balance by the Payment Due Date on your cument billing statemad, we will not impose Periodic Finance Charges on new purchases, that is. pudwm fist appeerig on the cacti billing statement. We call this the -grew period. There is no grace period on balance kersfers or cash edasnoes. Mkftm Finance CMrga. We will charge you a minnsm FRANCE CHARGE of $.50 for any biting period in which Periodic Finance Chagas of Ion Man $.50 would otherwise be imposed. Annual Fee. N you Account has an mural fee, it will be billed at be begh" of each anniversary year your Account is open. The arrant of the lee appears on the statement when the fee is bled. The annual fee is not refundable bless you notily to that you wish to does your Account within 30 days of to mailing or delivery date of the statement an which the fee is titled. You will receive On recoil even N you use you Card daig OW period. Periodic Finance Charges. We sat your transactions idm groups of purchases, cash advances, and balance trenslem and ten l rdsr sort the transactors witdn each group by ViJF Annum Percentage Rafe. Fur exam*, purumsea subject to a promotional rare and purchases anbjed to a standard rate would be separate groups. We refer to these groups as ransacton categories. Al to and of each bipg period. we compute balances and Perndc Finance Charges for each key of the billing period fa each tarsaction category . We use the blbwng egwbon to compute Periodic France pages for each transaction category: (Average Daily Balance) pees (days in b ling period) Imes (Defy Periodic Ras) (You may refer to the krance charge summary on your biting statement for #me amours.) Than we add up the Periodic Finance Charges breach tramcbm category, to get the total Periodic Finance Charges for yourAccourd. The Average Daly Balance a shwa as zero If, because of the grace period, no Periodic Finance Charges apply b the balance in a We M BVBWN= (khdiuding new kansacbns) method otabhteYrg to bebmhca upon which we impose Paiodc Firahce Charges, We compute tic Average Deily Balarha for serh tansaction aftgay by adding up at the dally balmoss in s berg period for a transaction category and dividing the Octal by the number of days in the billing period. We compute the daily balance for each transaction category run each day by gist ddng the bit "b the pmevbus day a daily balance: tmatwctonc with a Trasactiah Dab o (#W day esshowsh onyour WM staterasK ratast IM trasaction W posed b yo rAcaau t efer cos dove of is billing periods which k occ rs, n whit ass to t anaadhn will be added to the daily balance n of the first day of the biting period in which l is paled b your ACCantfires charged OW day and Periods Finance Changes accrued on the prevous days defy balance; and by ten subbacing any aedta and payments that are applied against the balance of the fraasactbn category on that day. In calcolatmg tie daily baler= for the gist day of the biting period, we consider Ns'previous days daily balance to have berm your betnee ter each transaction category on the bat day of your previous biting period. AM leas surged to your Armurd are added to the slatlard purchase kasaebn category with tilt exception of Cash Advawa Trasadton Fee Hence Charges whkb are added to the applicable ash advance transaction category and Balance Tnrnbr Transaction, Fee Fihahos Charges which am added to the appicede balamhca transfer fransactonh COMM. When to special rate eupi w we move the unpaid balance of to balance barrier and Oft Balace Tmoaf sr Trasacim Fee Finance Charges to the standard purchase tranadbn category. Howsm, N Me special raw has been termninaftd under the Dskuk Raft section, we Wave the unpaid balance of the balance transfer and the Balance Trans* Trnsadim fee fence Charges in its applicable balance transfer transaction category until to special rats would haws axpked. For MO (TWecoer mcnicali m Dwba for the Duq phase, plea aN 14111"T•7449. Discover may mrNa "or record MWples cob between you and Discover representatives for quality assurance purposes. The Uscover`'ard is saved by Discover Bank Member FDIC. OITBK171 DISCOVER $4,9 48 19 SDSN6A010011643 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due 1 Account Number ending in 2369 $513.00 Enter Amount Enclosed Below Payment Due Date $ November 14, 2009 Please make check to Discover Card. thl li th f th Y mit. Py e sum o e mon y ou are over minimum payment plus the ovedimit amount of 5684.48. Access and manage your account at www.Diswver.com or visit m.discover.com on your mobile phone. PO BOX 71084 1I1 rsr11s11 I"I I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print charge in space (nO(u(rnlr?)nr(n(r(ur)(()nr(uln(u((n(n(n?r(n(( above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228049844800000000051300 Discover Open Road Card Account Summary Closing Date: October 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance $4,787.07 Payment Due Date November 14, 2009 Payments And Credits 0.00 Minimum Payment Due $513.00 Purchases + 78.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges + 119.41 Cash Credit Available $0.00 New Balance $4,984.48 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaAba& Bonus' Opening Cashback Bonus Balance $ 22.55 New Cashback Bonus This Period + 0.00 Redeemed This Period 22.55 Cashback Bonus® Since Anniversary Month Cashbock Bonus Balance $ 0.00 March: $5.48 How Can We Help You? 1 Viso DiKOW.C0111 to pay yaw be- ran no cost, vi.w latest Account information, earn and redeem rswardy, ".nd more It's your choice - 3 ways to help 2. Please have Discover Card available. your 3. For TDD (assistance For hearing impaired) see reverse side Coll 1.800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 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 Dale- Other/Miscellaneous Oct 15 Oct 15 LATE FEE $ 39.00 Oct 19 Oct 19 OVERLIMIT F EE 39.00 Information For You "" ATTENTION """ Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. mane Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FRdANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4501.44 0.08216% 29.99% V 29.99% $110.95 $0 Cash Advances $343.10 0.08216% 29.99% V 29.99% $8.46 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Mormation. If there is more than one page to this biting sWonent, see the back of each page for additional important iftniation, v Sous your Crdrrember Agreenene Your CardmernberAgreement contains ad the tame of your Account. co z Last or stolen cards. Report i medlatelyl Cat 14100.347.2813. T Billing Righb Stationary. In Case of Errors or Ouestom About Your ON: If you think you bia a wrong, or if you need mare idame4on about a trdnsacbm on your bill. write to us on a c separate sheet of paper at Discover, PO Box 30421, San Lake City. UT 84130-0421, as soon as possible. We must hear from you no later that 60 days air we sent you to first bill on ? MO the ens or problem appeared. You can elephore us, but doing so will not preserve, your rights. In your tester . give us the blowing information: Your name and Account number. The dollar smart of the suspected error. Describe the error and "n. t you can, why you believe there is an error. t you need more Information, describe the bin you are unsure about. -4 You do not have to pay any wow in question while we are Investigating, but you are still obligated to pay the parts of your bid that are not in question. While we investigate your gmesaon, we cannot report you as de*xWt or take any action to caned the amourd you question. Special Rule for Credit Card Purchases: t you have a problem with to Wakty d goods or services l hat you purchased with a credit card, and you have tried in good fait to crrrd e the problem with the merchant, you may not have to pay the remaining smoad due an to goods or services. You have the protection only when to purchase price was more tlarh !en W and the purchase was made in you home state or wham 100 miles of your mailing address. (t we own or operate to merchant, or if we mailed you the add for the goods or services, all purdnases are covered regardless of the amount or WAm of purchase.) Paymants. Send only your payment and the top portion of the stabrnext In to envelope provided. Do not send rash. By sending your check as desakbed above, you authorize us to use nbrmatim on your check to make an electronic fund tansfa from your account at the f nshad krotitulak indicated on your creole or b process the payment as a died transaction. t payment is processed as an electronic fund trandar, Be transfer will be for to amount of the dnedk. Whsn we use information from your check to make an atrvanic Fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you wit not receive your check bade from you finahdal natkdion. The processing of you payment may, be delayed tyou send cash, correspondence or other items with your paymaK if you send the payment to any other address or f you use an enwbpe other tan the one provided. Payments received in proper format our proeuss. facility by SPM Coal time on any day will be credited b yourAccoknt as of let day. Payments received at our processing facility after 5PM local time will be credited to your Account as of tie next day. If you have m4laced your envelope, send your payment to Discover, PO Box 6103, Card, Stream, IL 60197-6103. Please allow 7-10 days for delivery. t your payment is retuned unpaic, we reserve the nigh to resubmit t as an el calk debt. YOU an pay you minimum payment or a greater amount over the telephone, and you an sat tip automatic payments. Cal us at 1M4341-26&7. You well need this stea meal and your bank account information. You must ensure to sutkdrnt We are available in you bank account, and all banseaki s must comply will U.S. lour. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering those numbers as your ebdronic signatu e, you will be agreeing to tits authorization to snow us and you bank to deduct each payment you suthaae kom you bank account. and to innate debt or acct entries to your bank account. as applicable, to correct an error in tie processing of such payment. You must tell us to amount of each payment or you an select an amount such as to Wihinum Payment Due or the New Balance on each statement. You can cancel a payment; however we must receive rasa at least tree business days in advance of the scheduled payment. You may no* us by phone at 1-WO-347.2613 or by mail at le address listed In the previous paragraph. t you payments vary in smoum, we will sal you on each rahtny atatemeM when yaw payment will be made and how mNdh n will be. Your automatic payment amount may be leas than indicated on the mordty statement based on sects or payments applied during de btng cycle. Cndk ReporIft We may report kdarmaton about your account to as* bureaus. Late payments, missed payments, or other delauis on your amount may be reflected in your credit report. We normally report to status and payment history d your Account to as* reporting agencies each month. I you believe that our report is inaccurate or ncomp ete, please write us at to blowing address: Discover. PO Box 15316, Wukningbn, DE 1985115316. Plus include your name, address, home Wepho a number and Account number. Grace Period on Purchases (at least 25 days). Wa begin to Impose Periodic Finance Charges on all kanaectons from the Transaction Date for to transatlion as shown on your billing sebemert, unless a transaction is posted to you Account after to dose of to billing periled in which it occurs, in which case we begin to impose Periods Finance Charges on that transaction from the test day of to billing period in which t is posed to your Amount. Vile oatwue to impose Periodic Finance Charges urd the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid Me New Balance on your previous billing statement by the Payment Due Dale shown on that bft statement and you pay ore New Balance by the Payment Due Date on your cument biting staterne t, we will not Impose Periodic Finance Charges on new purchases, that is, purchases trst appearing on the anent billing seemenl We all this the *grew period:' There is no grace period on balance transfers or rash advances. Wtnkrwm Finance Charge. We will charge you a mninsm Ft4ANCE CNARGE of $.50 for any billing period in which Periodic Finance Charges of less than 5,50 would otherwise be imposed, Annual Fur. K your Account ties an annual fee, A will be bled at to beginning of each anniversary yea your Account is open. The amount of the be appears on the slatement when the fee is bleed. The annual fee is not refundable unless you notify us that you wish b dose your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even t you use your Card during that period. Periodic Finance Changes. We sort your transactions into groups of pudeses, ash advances, and balance transfers and ten further sat the transactions within each group by their Annual Percentage Rate. For exahnple, purchases subject to a promotional rake and purchases subject to a standard rase would be separate groups. We rata to these grails as transactm categories. At ire end of each burg period, we compute balances and Periodc Finance Charges for each day of the billing period ter each transaction category. We use Ilse blowing equation to compute Periodic Finance Charges for each transaction category: (Average Daly Balance) lumen (days in bddng period) limes (Daly Periodic Rate). (You may refer to the finance charge surnmary on your bing statement kw these amounts.) Then we add up the Periodic Fauna Charges ter each transaction category to get the total Periodic Finance Charges for you Account. The Average Daly Balance is shown as zero t, because of the grace period, no Periodic Finance Charges apply to the balance in a "WIWISIM WQ use de Average Daly Balance (including new trarsaetions) rreled d aldtating the balance upon which we impose Periodic Fiery Charges. We compute to Average Daily Balance for each inereaction category by adding up at to daily balances in a bung paled for a kasacton category and dividing to local by to number of days in the billing period Yye compute the dairy balance for each transaction category on each day by *0 adding the bit "b to previous day's daily balance: tarsactans with a Transaction Date of that day as shown on your burg statement unless the transactors is posted to your Account after the dose of the billing penxl in which it occurs, in winch case the transaction will be added to to daily balance as of the first my of the billing period in whndn it is posted to your Account. lens charged that day and Periodic Fauna Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of to transaction category on that day. In calculating the day balance for the fist day of the bMtg period, we consider the'previcus day's daily balance to have been you balance for each transaction category, on the tact day of your previous bang period. AN lees charged to your Account are added to to standard purdess transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the ras applicable ash advance tonecoon category and Balance Trrstr T eclim Fee Finance Charges which are added b the applicable balance transfer transaction category . When r ` the special rate expires, we move to unpaid balance of the balance karsfr and to Balance Traveler Transaction Fee Finance Charges to the standard purchase I asiscton category. However. t the special roe has been emi Bled under the Default Rate section, we leave the upakl balance of the balance Wallet and the Balance Transfer Transaction Fee Finance Charges in to applicable balance banner transaction category uttl the special roe would have expired. For TDO (Talecommuilcalionis DwIce for Via Onq assistance please cal t-100.347.7449. Discover may monitor "or record telephone tole between you and Discover representatives ter qualiy assurance purposes. The Discoverer card is issued by Discover Bank. Member FDIC. OITBK171 DISCOVER $519; 01 `° 19 SDSN6A01 0011544 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due Account Number ending in 2369 $657.00 Enter Amount Enclosed Below Payment Due Date $ December 14, 2009 Please make check payable to Discover Card. You are overlimit. PPay the sum of the monthly minimum payment plus the overlimit amount of $891.01 Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 Illloll LrrrrrlllJnllrsrl CHARLOTTE NC 28272-1064 Address, e-mail or telephone change? Print change in space lnlnllnlr,?lnllnnlnlnlu?llllullnlulullr,lnlnlnlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228051910100000000065700 Discover Open Road Card Account Summary Closing Dale: November 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance $4,984.48 Payment Due Date December 14, 2009 Payments And Credits 0.00 Minimum Payment Due $657.00 Purchases + 78.00 Credit limit $4,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,200.00 Finance Chargees + 128.53 Cash Credit Available $0.00 _ Now Balance _ s5,191.01 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock BonuSe Opening Cashback Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashbock BonusO Since Anniversary Month March: $5.48 How Can We Help You? I Viso Discover com to pay your bill! for no cost, vi .w your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 2. Call 1.800-DISCOVER (347.2683) for fast, easy sel6service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Nov 15 Nov 15 LATE FEE $ 39.00 Nov 19 Nov 19 OVERLIMIT FEE 39.00 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. FIMIN Charge Summary Nominal Trons fiction Average Daily ANNUAL ANNUAL Periodic Fee Dc Periodic PERCENTAGE PERCENTAGE FINANCE RNANCE Baba m Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $404.59 0.08216% 29.99% V 29.99% $119.57 $0 Cash Advances $351.81 0.08216% 29.99% V 29.99% $8.96 $O The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card - plus get FREE shipping. Personalize gift cards with names and messages. Many have matching greeting cards) Saw through 12/31/09 - enter 'GIFT4 at DiscoverGiftCard.com laportant Uhnnatlaa If th re is mere than one page to t is Mktg abbmert, see the bads d each page for additional knpourt InbmtJon. o Sea your Cwdntember A"Ir ant Your Cardnterrber Agreement conliew all the Mile of your Account to Log or stalah cards. Report nrmediaMyk Call 1.1100 37.2613. S Biting Rob Summary. M Case of Errors or Questions About Your Bill- N you think your bill is wrong, or N you need more hbmdm about a transaction on you bill, write to us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake CIty. UT 81130-0421. as soon as possible. We must hear him you no later Not 60 days after we sent you the first bill on which the error or problem appeared. You cart telephone us, but ddrg w will not preserve you rights. In your letter. give us the following kdormetbn: . • Your news and Account number A The dollar amount of the suspected error. A Describe the error and explain. N you an, why you believe there is an error. N you need more Information, describe the sem you are unsure about. You do not have to pay any amount in question while we are Investigating, but you are $0 obftpafed to pay the parts d your bill that are not in question. Wide we investigate your question, we canal report you as deYnquenl or take any action to collect the amoat you question. Special Rule for Credit Card Purehasa: t you ham a problem with the gtrefy of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with tle merchant, you may not have to pay the remaining amcwt due on the goods or services. You have this protection only when the purchase price was more Own $50 and the purchase was made in your horse state or within t00 miss of your mailirhp address. (t we own or operate the mwdhanf, or N we nailed you the advertisement for the goads or services, at purcases are covered regardless of to amowd of location of p archa e.) Payments. Said only your payment and the top portion of till alatemerd in the envelope provided. Do not send ash. By sending your check as descraW above, you sutlarize us to use information on you check to make an electronic fend transfer Mom your account at the fnsncel insaWkon indicated on your ceck or to Process the payment as a check VmsacG:n. If payment is processed as an electronic kind transfer. the transfer will be for the amount or to check. Whah we use Wominim from you deck to make an electronic fund transfer, funds may be withdrewm from you amount as soon as the same day we receive you payrrot, and you will not receive you deck back from you inanciat mltimm. The processing of your payment may be delayed if you send ash, conespordenhce or other Items with you payment, N you send the payment to any other address or N you use an envelope other than the one provided. Payments received! in proper form at our precaeirg Willy by 5PM Murat arts on any day will be credited to your Account as of let day. Payments received at our protwsing facility after 5PM local time will be credited b your Account as of the next day If you have misplaced your envelope, send your payment to Discover. PO Box 6105, Card, Sueam, L 60197-6103. Please allow 7-10 days for delivery. t you payment it rearmed unpaid, we reserve the right to restbmil it as an electrahio debit. You an pay your minimum payment or a greater amaint over the telephone, and you an sit up auornsae payments. Call us at /-800347.2683. You will need to statement and your bank account nfamelim. You must ensure that sufficient funds are available in you bank account, and all transactions must comply will V.S. law. You will be asked to provide to first 5 digits of you account stater erd ZIP code. By entering time numbers as your 11 o , mil F signatiue, you will be agreeing to this authorization to slow in and your bilk to deduct each payment you authorize from you bank account, and to tliti ale debit or credt entries to you bank account, as applicable, to oorect an error in the ptooe=V of such payment. You must tell us the amount of each payment or you can select an amours such as to Minimum Parrot Due or the Now Balance on each statement. You an cancel a payment: however we must receive notice at bast tree business days in aMance d to scheduled payment. You may may us by phone at 1400.347.2683 or by mat at On address listed in the previous paragraph. If your payments vary in amount, we will let you on each mor" slaternent when your payment will be made and how much it will be. You automatic payment amount may be less than i diraled on the mox" slaternaN based on credits or payments applied during the b&q cycle . Credit Repordng, Yre may report information about your smout to credit bureaus. LOW paynsnb, missed payments, or other debub on you account may be reflected in your credit report. We ronnaMy report to states and payment history d ywAccout to mad t rspating agencies each mute. N you believe that our report is inaccurate or ncomplele, please white us at to following address. Discover. PO Box 15316, ftnngim. DE 198505318. Please include you name, address, home Weplhone numtber and Account number. Grace Period on Purchases (at lead 25 days). We begin to wpm Periodic Finance Chagas on ail uarmabas from to Transaction Date for the transaction as shown on your Wing statanwt, unless a transadim is posted to your Account alter the dose of the brig period In which t occurs, in winch case we begin to repose Periodic Finance Chagas on that transaction kern the fail day of the billing period in which N is posted to you Aaourt. We confirm to I npoa Periodic Finance Ctwges until the date you pay your entire New Balance by making payments or receiving credits. However, N you paid the New Balm on you previous billing ahalement by to Payment Due Date shown on that bung etaMmRn and you pay to New Balm by the Payment Due Date on you current btlkg statement, we will not lapoae Periodic F'nanoe Charges on new purchases, tat is, purchases txst appearing an the current bill" statement We cat this the -grace period:' There is no grace period on balance translars or cash advaihoes. MWmwn Finance Charge. We will dwge you a mwwnun FINANCE CHARGE of 5.50 for any billing period in which Periodic France Charges of less than 3.50 would otherwise be imposed. Annual Fee. If your Account has an areal fee, it will be billed at the begtrrwg dash anniversery year your Acaurt le open. The amount of the fee appears on Ne statement when the fee is billed. The annual fee b not refundable unless you nobly us that you wish to dose yourAomunt within 30 days of the making or delivery data of the statement on which the tee is baled. You will receive this refund even N you use your Card dung that period. Periodic Finance Chaga. We son you transactions into groups of purchases, cash advances, and balance transient and ten further sat the transactions within each Wow by ll arAioaai 'b+cea ,,.: Kite. Fa, example. purchases subject to a pronaaahal rate and purchases subject to a slandaid rate would be separate groups. We refer to tiles groups as transaction aMgones. At the end of each bRng period, we col" balanroes and Periodic Finance Chagas for each day of to bang period for each transaction category. We use the bNowing equation to compute Periodic Finance Charges br each trarsaclim category. (Avenge Daily Balance) Ikres (days in tiling period) times (oaiy Periodic Rate). (You may refer to to trance carpe summary on you bllfing statement for than amounts.) Than we add up the PerfokNc Finance Charges for each trasaecaon category to get the total Periodic Finance Chages for your Account. The Average Daly Balance is Mown as zero N, because of the grace period, no Periodic Finance Charges apply to the balance in a balance; and br Non subtracting any credits and payments lad are sppid against the balance d the transaction category on that day. M calculating the daily balance for to tint day of applicable cash advance trensaction cMegay and Balance TransMr Trensecaah fee Ftrharmoe Chugs which are added b the applicable balance tranNer tansecllarh aiegay. When However, t to special role lee been terminated under tie DelauN Rob section. will, lave to unpaid balance of the balance transfer ate the Balance Transfer Transaction Fee Frame For TDD (TNseo oce Device for tin Deaf) assistance, please call 11411111111-347-7449. Discover may mondor "or record telephone cats between you and Discover representatives for quality assurance purposes. The Oflcover'' card is issued by Discover Bank, Member FDIC. OMK171 We use Balance (ntdudkg new traroaefons) method d calculating the bell= upon which we Inpae Periodic Finance Charges, we carpude time Avenge Daily Balance for each traihsectia, kabgay by adding cep ail ft dory balanoea in a billing period to a transaction category ad diwd:g thou tidal try tae number d days n the billing period. We oompuAe the daily became for add transaction category an each say by first ad" the foNOwfrg b Nor Previous days defy balance: trareakdiorhs with a Transaction tole d Net day a Nhowm on you billing statement. finless to transaction le pooled b your Aknmut after fir dale d the brig period n which N oasis, n xhidh ass Noe transaction veil be added b the deity balance a d the *9 day d Iha billing period In which N le posted b youAaann, fees charged that day and Periodic Finance Charges accrued on to Previous day's daily the billing period, we consider te'previous days daily balance' a have been you balance 1a each trasectlon category on the last car d your previous bit period. AI fees charged b you Amount are added b to slarnderd ptrchase ttanesdion category with tle exception d Cal Advance Transaction Fee Finance Changes which are added b the tle special sale expires. we move tle unpaid balance d to balance "ask and the Balance Trawler Transaction Fee Finerha Charges b tle standard pudsx transaction category. Chagas n Ns apptkade NW" WOW transaction category king the special nab wand have expfrod. DISCOVER $5 Now Bal 398.50 ance 19 SDSN6A01 0011545 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due j Account Number ending in 2369 $802.00 1 Enter Amount Enclosed Below Payment Due Date $ -? January 14, 2010 Please make check payable to Discover Card. Minimum paymerrt due includes a past due amount of 5657.00. Access and manage your account at www.Discover.com or visit m.discover.com on your mobile phone. PO BOX 71084 Illrsrllsrss?rlllrlrrllrrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?ul???n?mlil?m?u?i)u??)))u?)u)u(nl)u?u?nl?ln above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228053985000000000080200 Discover Open Road Card Account Summary Closing Dale: December 19, 2009 page 1 of 1 Account number ending in 2369 Previous Balance $5,191.01 Payment Due Date January 14, 2010 Payments And Credits 0.00 Minimum Payment Due $802.00 Purchases + 78.00 Credit Limit $4,300.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Fiarrce chow s + 129.49 Cash Credit Available $0.00 ' New Balance $5,398.50 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Since Anniversary Month March: $5.48 How Can We Help You? 1 Visit Discover corn to pay your b8 for no cost, view your latest Account information, earn and rodeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date other/Miscellaneous Dec 15 Dec 15 LATE FEE $ 39.00 Dec 19 Dec 19 OVERUMIT FEE 39.00 Information For You "" ATTENTION •' • Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. f Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee D E RA RA CF NiAGE FINANCE F&tANCE olcincos Rates TES S CHARGES CHARGES current billing period: 30 days Purchases $4892.59 0.08216% 29.99% V 29.99% $120.60 $0 Cash Advances $360.73 0.08216% 29.99% V 29.99% $8.89 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Discover(R) gift cards make easy holiday gif ,i. Now save $2 on the purchase fee of each gift card - plus got FREE shipping. Personalize gift cards with names and messages. Many have matching greeting cardsl Save through 12/31/09 - enter GIFT4 at DiscoverGiflCard.com Important Information. If tee is more than one page to this billing sblennent see the hack of each pegs for additional Important nlonna0 on. T Q See your Cardmember Agreement. Yor CahdmnMer Agreement oontans all the Items of your Account z Lost or alMen carte. Repon immedlatelyl Call 14"7.2M. D Billing Rights Summary. in Case of Errors or Quasi= About Your Bill: N you ft* your on 16 Nf0^g, or l you need more information about a than 60 days your bill, thfi ca on a separate sheet of paper at Discover. PO Box 30421. Sall Lake City, UT 641 30-0121. as e soon as pxssibfe. We must hear from you no 18ter H tlhan 80 days alter we sent you u the fast dip on °o which the era or problem appeared. You can telephone us, but dung so vril not preserve your rights. In your lease. give us be following information: , Your creme and Atcaut number. The dollar amour of the suspected error. Describe to array and explain. Y you can. why you believe Owe as an am.. 0 you need more nformation, describe the item you are unsure about. V You do not he" to pay any amount in question while we are meshgWq, but you are ad obigaled to pay the parts of your bill that are not in question. While we mestigate you question, we cannot report you as deahoueent or We any action to Meta the snout you question. SpwW Rule for Credit Card Prchasn: If you have a problem with to quality of goods or s evices that you purchased with a credit card, and have tried n you gad ratan to tarred the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this purchaseprice Ow $50 i and the purchase was made in your home state or vvithin 100 miles of your mailing address. IN we own or operate the merdan t or if we mailed you the for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payranes, Send only your payment and the top portion of the statement in the envelope provided. Do not send cash. By sending your cock as described above, you aulhhonze us to use intimation on your dhedt to make an electiahic fund trailer from your amuit at the financial Istitution indicated on your died or to process the payment as a deck Iransacfion. it payment is processed as an de"fic fund tr enalw. the Water will be for the armail of the dhedt. When we use inbmatm from your check to rake an electronic fund transer, funds may be withdrew from your acoo u l as soon as be sera day we mosive your paymam. and you will not receive your decd bads ham your frhax>al Institution. The processing of your payment may be delayed if you send cash, correspondence or other item with your payment, 9 you send the payment to any other address; or if you use an envelope other than the she provided. Payments received in proper Item at our processing facility by 5PM local are on any day will be credited to you Account as of that day. Payments received at our processing facility alter 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Cad, Stream, L 601976103. Please allow 7-10 days for delivery, l your payment is retuned upaid, we reserve the right b resubmit A as an electronic de&L You can pay your mk*rum payment or a greater amount over the telephone, and you can act up auometc payments. Cal us at 1.604341-2663. You will need this statement and your bank amount information. You must ensure Mail sufficient funds are available in your belt account, and all trai saclers mist comply wlh U.S. law. You will be asked o provide the first 5 digs of your account statement ZIP code. By entering those rhurhbers as your eedrork signature, you will be agreeing to this legalization to allow us and you bank to deduct each payment you atthonze from your Dank amount, and to Whole debA or credil art= to you bah account, as applicable, to correct an error in the processing of such payment You must tell us the woo of each payment or you can select an amount such all The fKiniram Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at least three business. days in advance of the scheduled psymwt. You may naMy us by phone at 1400.347-2663 or by rtao at the address lead in the previous paragraph. If you payments vary in anourt, we will eel you on each mahtny statement when your payment will be made and how much it will be. Your automatic payment amount may be less tan indicated on to monthly statement based on credits or payments applied during t e billing cycle. Credit RpoAMp. We may report nbrmaltim about your account to pew bumm us. Lae parwas, missed payrwhts. or other defaults on you amount may be reflected In your credit report. We normally report the slaws and payment history of your Acoo rut b a" vaporing agenda each north. If you believe that our report is inaccurate or incomplete, please write us at to following addwsa Discover. PO Box 15316, Wilmington. DE 19850.5318. Please include your name, address, home telephone number and Ammunt number. Grace Perlod on Purchases (at least 25 days). We begin to impose Periodic Fiance Charges on all transactions; from the Transaction Date for the transaction as shown on your Diltig statement, unless a iansacion is posted to your Arrant after the dose of the billing period in which It occurs, in wNdi case we begin to impose Periodic Finance Charges on that transaction from the Arse day of the billing period in which A is posted to your AcomA We canine to Impose Periodic Finance Charges until the data you pay you o tee New Balance. by malting payments or reoerving credits. However, t you paid the New Balance on your previous billing Statement by do Payment Due Data shown on that biNhg statement and you pay the New Balance by the Payment Due Date on your curets billing sWtennn, we wN not impose Periodic Flanoe Charges on new purchases, that is, pnthases Arse appearing on to current tilling statement We call this Ihe'gmoe period.' These a no grace period on balance transfers or cash advances. Minimum Finance Charge. We will doge you a minimum FINANCE CHARGE of $.50 for any tilling period in whin Periodic Finance Charges of less tan 550 would otherwise be Imposed. Annul Fee. I you Arrant has an amuai fee. A will be billed at the begrnng of each anniversary year your Acomil is open. The amore of the fee appears on the statement when the fee is billed. The annual fee is not refund" unless you notify us that you wish to dose your Account Oft 30 days of the no" or delivery date of the statement on which the fee is billed. You will receive this refund even l you use your Cad dump VW period. Periodk FNhsrt, Charges. We sal yam transactions into groups o(pure asea, cash advaoes, and balance transfers and than fatty sort the treneactiors wil ah each gray by ter Annual Percentage Rate. For example, purdasec subjed to a Promotional rate end prdases subject to a standard rate would be separate groups. We refer to these groups as transaction oategodes. At the and of each billing period, we compute beenoes and Periodic Finance Charges for each day of the billing period for each transaction category . We use the bowing equation to ampule Parodic Finance Charges for each translation category: (Average Daily Balance) Was (days in billing pedod) ernes {Daly Pnitdic Rale). (You may refer to the finance charge sumnacy on yourb tag stalsmad forthese amounts.) Then we add up the Periodic France Charges for each trai section category to get Its total Periodic Finance Chagas for yotuAcoounL The Average Daly Balance is shown as zero if, because o (the grace period, no Penodic Finance Charges a" to to balance in a imnjWfM5 We used* Average Daily Balance (including now tra rsedons) method of talataaq the balartoa upon which we impose Periodic Finance Charges. We coy Vine tieAverage Deily Balance foreach trasacion category by adding up al the daily bdarim n a bing perod for a transaction category ad dividing tiro old by the numW ol days in the Will grind. We ompute the daily ball noe for each transaction oslepory on each day by Est witting the fhlowing to the preNos day's dolly balance: transactions wdh a Trasecton Dab of that day as shown on your billing sWanet, union the Invasctio r is potted b your Account ally the dose o (ft billing period in WO l ooc rs, in which case to trasactonwil be added to the daly balance as of 0e first day of to billing period in wh W h it is posted to yourACCart, fees charged that day and Periodic Finance Charges adrned on the previous day's daily below; and by ten subtracting any credits and payments that are applied agaiW the balance of the transaction category on tat day. In calculating to daily balance fa the fist day of the billing period, we consider the'previous We telly belenoe' to lave bean your b elenoe for each transaction category on the last day of your previous billing prod. Al fees charged b your Amount are added to to standard purcase Impaction category wpm the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance Intersection category and Balrce Trager Transaction Fee Finance Charges which ate added to the applieabe batence transfer transaction categoryr. When the special raft expires, we move the unpaid balance of to balance Yare% and to Belnce Transfer Transaction Fee Finance Charges b the Mallard purchase transaction category. However. A the special rate has been asnnnaued udar she Default Rae section, we leave tip upeid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction oebgory urAA the special ree would have expired. For TDO (7Mecommw nicsti ro Device for the Deaf) & %loti nce, pew al 1400.347.7449. Discover may momor wdmor record elephoe carts beh, on you and Discovr represerufetives for duality assurance purposes. The Discover' card is issued by Discover Bate. Wembe r'DIC. OITSK171 DISCOVER $5New Bal ,576.70ce 19 SDSN6A010011546 RICK HOOVER 1190 NEWVILLE RD CARLISLE PA 17013-1739 Minimum Payment Due; $957.00 Payment Due Date February 14, 2010 Account Number ending in 2369 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum yment due includes a past due amount of $802.00. Access and manage your account at www.D4cover.corn or visit m.discover.com on your mobile phone. F0 BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I?rlrllirl?ril?ll?rrlr?l?l?irlllliril??lirl?r?li?l?rlrilili?l? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892412228055767000000000095700 Discover Open Road Card Account Summary Account number ending in 2369 Payment Due Date February 14, 2010 Minimum Payment Due $957.00 Credit Limit $4,300.00 Credit Available $0.00 Cash Credit Limit $2,200.00 Cash Credit Available $0.00 Closing Date: January 19, 2010 page 1 of 1 Previous Balance $5,398.50 Payments And Credits 0.00 Purchases + 39.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 139.20 New Balance $5,576.70 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashback BonusO Since Anniversary Month March: $5.48 Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 How Can We Help You? 1 Visit Dacover.com to pay your bill for no cost, view your l? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-8004DISCOVER (347-2683) for fast, easy selfaervice 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) 3" reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Other/Misadloneous Jon 15 Jon 15 LATE FEE $ 39.00 Information For You Your Account is overlimit. While we are permitted under the Cardmember Agreement to charge you an Overlimit Fee, we 'have chosen not to do so at this time. We reserve the right to do so if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Overlimit Fee section of the Cardmember Agreement for details. • ` ATTENTION "' Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immeliately. 1141 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE BUl9ns_? Rates RATES RATES ? CHUM current billing period: 31 days Purchases $5095.69 0.08216% 29.99% V 29.99% $129.78 $0 .Cash Advances $369.88 0.08216% 29.99% V 29.99% 59.42 $0 The rates that apply to your Account are either fixed fl or they may vary (V) as noted above. Important Information. If two is more Ian one page to this bksg ahtermere, tee se back leach page for additional important nrotm him. - co See year Cwdwm bw Appesmem. Your Cadmwrbw ApyreerneM contains all the temp of your Account, CO Z Lost or stolen cods. Report immediately! Call i-te Ul-26a P> BWeng Rob Summary. In Case of Errors or Uwstions AbmA Your Bi M you sink your bill is wrong, or I you need more intanrtion about a transaction on your bill, write to us an a 9 separate sheet of paper at Discover, PO Box 30421, Sal Lelia City. UT 841300421. as soon as possible. We mat hear from you no later den 60 days after we sent you the IN bill on c which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your War. give us the following informalim: - Your name andAccount number. a The doter amount of the suspecled error. rn Describe to anor and explan. W you an, why you bekere tare is an emor. If you need more inbmretion, describe the Item you are unsure about. x You do rat to" to pay any amount in question while we are i vestipting, but you are Will obig obd to pay are parts of your bill that are not in question. VNile we investigate your question, we canna report you as defrnquert or take any action to coaert the amount you ghraation. Special Rule for Cro& Card Purchases: If you have a problem with the guaBy of goods or services trek you purchased with a credit card, and you have tried in good bath to ochres! the problem with the merchant, you may not have to pay the remaining amount due an the goods or services. You have this protection only when the purchase price was mono than $50 and the purchase was made in you home stale or oft IOD miles of your m ilig address. (If we own or operate the merchant, or if we mailed you the advertisement for to goads or services, at purchases are covered regardless of the amour «loalbn of purcrese.) Payments. Send only your Payrrott and the top potion of this statement in the envelope provided. Do not cab ash. By sending you chess as described above, you a da tte us to use rdmnabon on you check 10 moire an electronic Asd transfer from you account at the financial nsdkrdm Indicated on you c edk or to process the payment as a check transaction. t payment is processed as an electronic fund transfer, the Wander will be ter this amount of the choir. ylen we use information from you check to make an electronic fun banister , finds may be wldrawn from your aocant as wan as the tame 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 W you sand cash, correspondence or other at =with your payment, it you sand the peyrnat to any other address or it you use an envelope other than to one provided. Payment received In proper form at or processing fatly by 5PM local done on any day will be aadlted to you Account as of dim day. Payments received M our processing facility after 5PM local time will be credited to your Account as of the nerd day. If you have misplaced your envelope, sand your payment to Discover, PO Box 6103, Carol Stream, IL 601976103. Please aloe 7-10 days fa delivery If your payment is returned unpaid, we reserve the right to rewbmh it as an electronic debit. You an pay your nwNmrn payment or a greater amount over the telephone, and you an eat up aubmedc percents. Cal us at 1.800347.2683. You will need In afaement and you bank account nfomadon. You must ensue that suficied funds are available Or you balk a=ulj and at transadiaw mat comply with U.S. larw You will be allied to provide to W 5 digls of you aceaait store rent ZIP code. By entering those numbers as you elertdonlc signature, you will be agreeing to this ahdtaiaalion to ebw us and your bank to deduct each payment you authorize Iran your bank acmknt and to h t b debt oraoM w*M b your bank xomm, as aPPlable, b coned an error in the processing of such paymherht You must tea us to amount of each paymet or you an sailed an amount such a to MfnWam Payment Due or Me New Balance on each statement. You can cancel a payment: however we must receive notice at least tree business days in advance of the scheduled payment You may nobly us by phone at 1.800347-2683 or by mail M the address listed in the previous paragraplh. W you payments vary in arrow, we will tell you on each monthly da mom when your payment will be made and how much it will be. Your autanMn payment amount may be less elan indicated on the rlromhy statement based on credits or peyrnarb applied during to billing cycle. Coed Reporting. We may report information about you smart 10 credit bureau. Late paymats, missed payments, or other defaults on you account may be reflected In your credit repo!. We nomaty report the statue and payment history of your Account to credit reporting agerhrie1 each month. t you bel eve that our report is inaccurate or incomplete, Penes write us at the blowing address: Discover. PO Box 15316, Wiknigen, DE 19050.5316. Please imckrde your name, address, hone telephone number and Account number. Grace Perbd on Purchases (at Mach 25 days). VW begin to irpcee Periodic Finance Charges on all transactions; from the Transaction Dab for the transaction as shown on you b*q sblement, unless a transaction Is pared to your Account after the dose of Me burg period in which a occurs, in which toe we begin to impose Periodic Finance Charges on tha:, transaction fran to first day of the burg period in whack it Is posted to ymAccouht. We amlknue to impose Periodic Fiance Charges ur dl the date you pay you ere New Belance. by m*% paynonts or receiving creft However, if you paid the New Balance on you previous biRrg sblanert by the Payrnem Due Dale shown on tat biting Metemert ad you pay to New Balance by the Payment Due Date on you anent billing stebrnera, we will not impose Periodic Finance Charges on new pudreaes, that is, purchases fret appearing on the arrant biking sbMrrsm. We call On t e -grace period:' There a no grace period on balance transers or cash advances. Midnaan Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Animal Fes. I your Arrant has an annual fee, a will be bled at the beginning of each anniversary yea your Account is open. The amount of tle lee appears on the statement when the tee is bled. The annual fee s not refundable unless you no* us 20 yet wish to dose your Amount within 30 of the mailing which the Wad. You will receive In rehnd even if you use your Card during Mat period. days g or delivery dale of the sbbment on w wonfee is Periodic Finance Charges. Vie son your transactions limb groups of ptrdlaw ash advances, and balance traraMrs arid than Who sat the transactions within each group by their Annual Percentage Fine. For example, purchases K*d to a promotional rat and purchases subject to a standard two would be separate groups. We refer to these groups as transaction alegones. At the end of each billing period, we eompule balances end Periodic FWrefICe Charges for each day of the billing penod for each transaction category We use the fcloweig edyualion to cor" Periodic Rom Charges for each transaction calegwy (Average Daily Balance) lines (days in billing period) tines (Dairy Penoft Rat). (You may refer to the krance charge summary on your billing Matore t for these aeourds.) Then we add up the Pei Finance Charges for each transaction at" to get the Waal i Periodic Finance Charges for yourAaart. The Average Daily Balance Is shown as =ono I, because of the grace period, no Periodic Finance Charges aptly to to balance in a We use lq Balm- (including new transactions) Method daldlstrg the balance upon which we rpm Periods Finance Charges. We compute the Average Only Balance rot each Waaection ategay bT addling hp all se daily Wwms n s hiring paled fora t wwcwn mtgmy and &4ck g to bhp by to numberofdays n d* Wmg parted. m corn" Im daily balerwe breach Wareeclion category on each day by firM adding the followig to the previous days daily balarha: transactions win a Transaction Dab of to day es shown on your bli g sble ent, atessthe trenee", is posted to yo rAcoout after the dealt of the Ming period in which it ocdrrs, in which ace the transadon will be added, to the day balance as of the test day of the billing period in which l is posted to ymAmount, tea charged that day and Periodic Finance Charges accrued on the prevlo l day's daily balance; and by ten 1 11 g ar y oracle and payment sot are applied against the batnoe of the tareadiom d:etgory on that day. In ce cuWbr g to daily balance for the first day of the billing period, we consider Ihe'prevfars days daily balance to have been you belsrhce ter each hmaodm atgwy onthe MM day ofyw Previous b*V Period. At ties doped b your Aeoout ore added to dot atrdsd pucase transeclbn cetgory weft exception of Cash Advance Transaction Fair Finance 00" which are added to the applicable cash special rate enadvance transaction category and Balance quires, we wiped balance of the Transfer befaice transfer In B tuna Tr Charges T?aeodon Flee Fbmathe applicable dce balance transfer transaction category Mien Charges for the etardad purchase transaction category . However. W the special rate has been lermiebd user the Default Rate notion, via leeve the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charge; in l he applicable balance transfer transaction abgoy until the special rate waitd haws expired. For TDD moo m Device for the DUO aeeletrnce, pMaee all 14"7.7441 Discover may monitor andbr record telephone ads between you and Discover repreaenbtives ter quailly assurance purposes. The Discover" card is sped by Discover Bank, Member FDIC. OITBK171 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Amended Compliant has been served by U.S. Mail, Postage Pre-Paid, on ?? f day of , 2012 upon the following: Joseph P. Murphy, Esquire The J. Murphy Firm THE GRANT BUILDING, 33RD FLOOR 310 Grant Street Pittsburgh, Pa 15219 By: Sarah E. Ehasz, Esquire IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, ET. AL., CJ) Plaintiff(s) Docket No.: 11-9072-Civils °c- r- V . RICK HOOVER, Defendant(s) PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT Filed on Behalf of Defendant Counsel: The J. Murphy Firm The Grant Building, 33?d Floor 310 Grant Street, #3309 Pittsburgh, PA. 15219 (412)521-2000 Joseph P. Murphy, Esquire Pa. Supreme Court I.D. 83120 .1 INA, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, ET. AL., Plaintiff(s) Docket No.: 11-9072-Civil v. RICK HOOVER, Defendant(s) CERTIFICATE OF SERVICE I, Joseph P. Murphy, counsel for the Defendant in the above captioned matter, do solemnly swear that the foregoing OPRELIMINARY OBJECTIONS TO AMENDED COMPLAINT yCJ MOTION/REQUEST/PRAECIPIE FOR ARGUMENT were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below: Sarah Ehasz, Esq. Weltman, Weinberg and Reis Co., LPA 436 Seventh Avenue, Suite 1400 Pittsburgh, X219 u Josg,?y?'. Murphy M ay, June 11, 2012 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, ET. AL., Plaintiff(s) Docket No.: 11-9072-Civil v. RICK HOOVER, Defendant(s) PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT Now comes the Defendant, by and through counsel, the J. Murphy Firm, and Joseph P. Murphy, Esquire and bring(s) and file(s) the within Preliminary Objections to Amended Complaint, averring in support thereof as follows: OBJECTIONS DIRECTED TOWARD LACK OF SPECIFICITY 1. These objections arise under Rule 1028(a)(3) and Rule 1019(f) 2. Pa. R.C.P. 1028(a)(3) provides for the filing of preliminary objections where the complaint is insufficiently specific. 3. Rule 1028(a)(3) is commonly understood to require that the complaint be sufficiently specific as to allow the Defendant to formulate an answer, admitting or denying the averments in the complaint. 4. As set forth in the attached brief, the complaint in this case is not so sufficiently specific, to wit, the statements begin with a rather large balance, and no explanation is provided. 5. Pa. R.C.P. 1019 requires, inter alia, that facts be pled and that items of special damage be pled with specificity. 6. In the context of a credit case, the facts and items of special damage, which are to be pled, include the dates and amounts of charges, fees, fines, interest, and the like. 7. In the context of a credit case, the requirements of 1019 are normally met by attaching copies of an un-interrupted chain of statements, starting with a zero balance and ending with a statement showing the amount sought in the complaint. 8. It is respectfully submitted that the neither the Amended Complaint, nor the documents attached thereto, sufficiently or specifically plead the facts and items of special damage underlying the case. 9. This renders the Amended Complaint the proper subject of preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2), for failure to conform to Rule of Court 1019, and the proper subject of preliminary objections, pursuant to Pa.R.C.P. 1028(a)(3) for insufficient specificity. WHEREFORE, Defendant respectfully prays that the Amended Complaint filed by the Plaintiff be dismissed with prejudice, or, in the alternative that the complaint be stricken, and the Plaintiff be required to plead over in accord with the Rules of Court. CA/Au PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Argument Court.) CAPTION OF CASE (entire caption must be stated in full) V t??-{ t7 v-4- 'i? "n L vs. CO (List the within matter for the ne c, M1.:4 r -- CFA -ta // " q 07Z C, r/r I No. Term 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): ^ 9 / J a6 ? !.a ?1 Q- T (. ;. k..l r.. C_: 2. Identify all counsel who will argue cases: (a) for plaintiffs: -ter (Name and Address) (b) for defendants: M?-eV,4 -3 /a 5? g P rsz?j -- 1 7 (Name and Address) 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: al y4l-lv? Print your nam Ill. Attorney for Date: ? ? I Z INSTRUCTIONS: 1. Two copies of all briefs must be filed with the COURT ADMINISTRATOR ?S?Na (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 92 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT 75 Pb A771 ADMINISTRATOR (not the Prothonotary) after the case Is rellsted. 9qs 0a'70?o DISCOVER BANK, PLAINTIFF IN THE COURT OF COMMON PLEAS O CUMBERLAND COUNTY, PENNSYLVIA V. RICK HOOVER, DEFENDANT 11-9072 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTION BEFORE HESS, P.J., MASLAND, J. AND PECK, J ORDER OF COURT AND NOW, this Iday of July, 2012, upon consideration of the preliminary objection filed by Defendant, Rick Hoover, briefing by the parties, and argument en banc, the preliminary objection is OVERRULED. Defendant shall file an Answer to the Amended Complaint within twenty (20) days of the entry of this order. By the Court, Albert H. Masland, J. ? Sarah E. Ehasz, Esquire 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 For Plaintiff Joseph Murphy, Esquire 310 Grant Street, Suite 3309 Pittsburgh, PA 15219 For Defendant saa f C?;eS ',,ta ?Wl L? h.J cz, CD co ?' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNT' PENNSYLVANIA rn CIVIL DIVISION xr NA --G ~ DISCOVER BANK, ~© ao Plaintiff(s) y~ Docket No.: 11-9072-CIVIL „~ v. RICK HOOVER, ANSWER TO AMENE'3ED COMPLAINT Defendant(s) Filed on Behalf of: DEFENDANT Counsel for this Partv: Joseph P. Murphy 83120 i~.i: ~~ -i .i ~; ~ ~: -,-, ~ `~"~° ~ -v ,,,_ ~c3 --~ --~ ca -v c~-~n s ~ t-; . ~r~ a THE J. MURPHY FIRM THE GRANT BUILDING, 33RD FLOOR 310 GRANT STREET, #3309 PITTSBURGH, PA 15219 (412)521-2000 .,,.. .~ ~~ + ~!`. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff(s) v. RICK HOOVER Defendant(s) Docket No.: 11-9072-CIVIL Certificate of Service I do solemnly swear that a true and correct copy of the within ANSWER TO AMENDED COMPLAINT was delivered to the below party or counsel therefore as follows: Sarah E. Ehasz, Esq. Weltman Law Firm 436 Seventh Ave, # 1400 Pgh., Pa. 15219 [ x ]Via First Class U.S. Mail, Posta a Pre-Paid [ ]Via Facsimile: [ ]Via Certified U.S. Mail, Postage [ ] Via Express Mail Pre-Paid Carrier: Article Number [ )Via Certified U.S. Mail, Posta [ Ot Method as follows: Pre-Paid, Return Recei t Re ue ed. y`y Joseph P. y 8/15/1 ,~1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff(s) v. RICK HOOVER Defendant(s) Docket No.: 11-9072-CIVIL ANSWER TO AMENDED COMPLAINT AND NOW, come(s) DEFENDANT, by and through counsel, the J. Murphy Firm, and Joseph P. Murphy, and bring(s) and files the within ANSWER TO AMENDED COMPLAINT, averring in support thereof as fgllows: 1. After reasonable investigation, unable to admit or deny these business matters of the Plaintiff. 2. Admitted. 3. Denied, §4122 doesn't work that way. 4. No reply required. 5. The referenced document speaks for itself. 6. Denied, this was acceptance of an offer that Plaintiff itself solicited. Otherwise, See #5. 7. Denied, for the same reasons as set forth in #6, above. 8. Admitted that the defendant has had and used cards. After reasonable investigation, unable to admit or deny receipt or use of the card described in the complaint. 9. After reasonable investigation unable to admit or deny what Plaintiff may have done. 10. See #9, otherwise, see #5. 1l. See #5. 12. Admitted that payment has not been made in some time, if' ever. 13. See #5, otherwise, unable to admit or deny after reasonablie investigation. Denied as a legal conclusion. 14. After reasonable investigation unable to audit these calculations. It should be noted that the statements begin with a rather large balance in relation to the amounts sought in the complaint. 15. See #5. 16. See #12, otherwise denied as a legal conclusion. 17. No #17 in amended complaint. 18. No reply required. 19. See #8. 20. See #$, otherwise and additionally, denied as a legal conclusion. Also denied as when taken together with the preceding averment this represent a misconstruction of the benefit conveyed. 21. See #8 Respectfully Submit (Counsel for DEFENDANT) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff(s) v. RICK HOOVER Defendant(s) Docket No.: 11-9072-CIVIL VERIFICATION I do solemnly swear that the averments in the foregoing answier to amended complaint are true and correct to the best of my knowledge, information and belief. I make this verification subject to the penalties set forth in 18 Pa. C.S. 4904, relating to unsworn falsification to authorities. Signature Date Name Printed: