HomeMy WebLinkAbout12-2479."
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Discover Bank,
Through Its Servicing Agent,
DB Servicing Corporation
Plaintiff
vs.
PATRICIA M MEIXNER
Defendant
No: ?a - p?77C7 (iul?
COMPLAINT IN CIVIL ACTION
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan,47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
09578334 C A Pit SJS
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No h ck WvA?'-eg
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Discover Bank,
Through Its Servicing Agent,
DB Servicing Corporation
Plaintiff
VS. Civil Action No
PATRICIA M MEIXNER
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, :by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, Discover Bank, is a banking institution organized under
the laws of the State of Delaware and maintains a business address of
12 Reads Way, New Castle, DE 19720.
2. DB Servicing Corporation is the servicing affiliate for Discover
Bank, f/k/a Greenwood Trust Company, an FDIC-insured Delaware State
bank. As the servicing affiliate, DB Servicing Corporation performs a
variety of services for Discover Bank including, among other things,
the collection of delinquent accounts, marketing, application
approval, transaction approval, customer service, and billing. The
collection of delinquent accounts includes the right to forward the
account to the attorneys and/or collection agencies for collection and
to file suit on Discover Bank's behalf.
3. At all times pertinent hereto, DB Servicing Corporation is the
servicing affiliate for Discover Bank, in reference to Defendant
account, which is the subject of this litigation.
4. Defendant is adult individual(s) residing at 14 BRIARLY DR
CARLISLE, PA 17015
5. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXX9400 .
6. Defendant made use of said credit card and has a current balance
due of $6401.36 , as of January 31, 2012 .
7. Defendant is in default by failing to make monthly payments when
due. As such, the entire balance is immediately due and payable to
Plaintiff.
8. Plaintiff is entitled to the addition of interest at the rate of
13.240% per annum on the unpaid balance from January 31, 2012 . A copy
of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 111".
9. Although repeately requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due the Plaintiff.
WHEREFORE, Plaintiff prays for Judgment in its favor and against
Defendant, PATRICIA M MEIXNER INDIVIDUALLY , in the amount of
$6401.36 with interest at the rate of 13.240% per annum from January
31, 2012 until date of judgment and costs.
William T. Mo cz ,47437
WELTMAN, WEINBER & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 1521.9
(412) 434-7955
FAX: 412-338-7130
WWR# 09578334 C A Pit SJS
This law firm is a debt collector attempting to collect this debt for
our client and any information obtained will be used for that purpose.
DISC, AVER
New Balance Minimum Payment Due Account Number ending in 9400
$6,401.36 $6,401.36 Enter Amount Enclosed Below
Payment Due Dote
DUE VAMEDIATELY
08 SDSN6A010002291
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Tent APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
PO BOX 6103 lllnsllurlluelnlnrlrll EXHIBIT
CAROL STREAM IL 60197-6103
Address, e-mail or telephone changes: I Ilnd?nnn??Ii?n?ntL??utu????nnalln?lnnJ?n??I
Go to www.Discow corn or print change in space above. It
000001986458214473213064013600000000640136
Opening Date: February 3, 2012 - Closing Date: Febr
D'lscover More Card Account Summary
Account number ending in 9400
Previous Balance $6,401.36
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees charged + 0.00
Interest Charged + 0.00
New Balance ,40136
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,300.00
Credit Line Available $0.00
Cash Advance Credit Line $0.00
Cash Advance Credit Line Available $0.00
COS 1 ac [ BonsuSe Anniversary Month
February
Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cajdm& Bonus balance $ 0.00
To leam mom, log in at www.D'mcow.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Diocova corn
2. 0111-8 SC R -0IOVE(1.804347-2683)
Please have your Disc card available.
3. Writs to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, pleass send to address on remittance or
Discover; PO ox 6103, Card Stream, IL 60197-6103
For TDD (Telecommunications Device for the Deal)
assistance, please call 1-800347-7449.
uory 8, 2012
page of 2
Payment Information
New Balance $6,401.36
Minimum Payment Due" $6,401.36
Payment Due Date DUE IMMEDIATELY
'Includes past due amount of $1,403.00
Late Payment Warning: IF we do not receive your minimum
payment by the data listed above, you may have to pay a late
Fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 18.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you kroner to pay off your balance. For examols:
c,u " ' a 4i., Y€ru "::06y oiffM ";tau ' -end:
chatgrs bakutci shown:. vA pwOV on.
this and tit ootsment in *0mated teal of
!'?:paY about.
Only the minimum 8 years $6,401
payment
IF you would like information about credit counseling services,
call 1-800.347.1121
Manage Your Account Online at www.Discovw.com
• Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money wash more sm-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
Transactions
9578334 Trans. DateDate
Fees TOTAL FEES FOR THIS PERIOD S 0.00
Interest Charged TOTAL MEREST FOR THIS PERIOD S 0.00
2012 Totals Year-lo-Date
TOTAL FEES CHARGED IN 2012 $ 35.00
TOTAL INTEREST CHARGED IN 2012 102.01
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS Y E
You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance,
over the telephone or you can setup automatic payments through a customer service representative by calling
1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment
date (e. .the 15th of of the month) that occurs before your Payment Due Date. If your scheduled payment date Falls on a
weekend or bank holidyay, your payment will be processed the business day prior to the weekend or bank holiday. In order
to schedule monthly payments b telepphone, you will need this statement and your bank account information. You will be
asked to provide the lost four (4?digits of the social security number of the primary borrower. By providing those numbers as
your electronic signature, you will be agreeing to this outhorization to allow us and your bank to deduct each pa enf you
authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to
your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled
payment by phone at 1.800-347.2683 or by mail at Discover, PO Box 30421 Salt Lake City, UT 84130.0421 however we
must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount,
we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure
that sufficient Funds are available in your bank account, and all transactions must comply with U.S. law.
You can set automatic payments for- (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum
Payment Due plus a Fixed dollar amount, or (IV) a fixed dollar amount. If your scheduled fixed payment is not enough to cover
the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be
increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any
excess will be applied in accordance with your Cardmember Agreement. IF your scheduled payment is greater than the New
Balance on your billing statement, that payment will be rocessed only for the amount of your New Balance. Your automatic
payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the
Closing Date.
If you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization
For your records.
Amount- ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$
Bank Routing #: , Bonk Account #: , Frequency:
Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or
other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of
your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
us at the following address: Discover PO Box 15316, Wilmington, DE 19850 5316. Please indicate your name, address,
home telephone number and Account number
Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the
dally balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying
interest on Purchases as described below. However you cannot avoid paying interest on Balance Transfers or Cash
Advances.
How to Avoid Paving Interest on Purchases ("Grace Period"I
you paid the New Balance on your previous i mg statement by the Payment Due Date shown on that billing statement, we
will not impose interest char Ngas on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your
current billing statement. New Purchases are Purchases that first appear on the current billing statement.
How We A I Pa ants Ma Im ct Your Grace Period
you o not pay your ew a once in each month, then, depending on the balance to which we apply your payment,
you may not get a grace period on new Purchases.
How We Calculate Interest Charges Daily Balance Method (including current transactions): We calculate interest charges
each billing period by first figuring the "dil
ay balance" for each Transaction Category Transaction Categgories include
standard Purchases, standard Cash Advances and different promotional balances, such as Balance fronsfers.
How We Figure the Doily Balance for Each Transaction Category
We start with the beginning balance for each day. The beginning balance For the first day of the billing period is
your balance on the last day of your previous bilring period
We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We
add any new transactions or Fees as of the later of the Transaction Date or the First day of the billing period in
which the transaction or fee posted to your Account.
We subtract any new credits and payments.
We make other adjustments (including those adjustments required in the "Paying Interest" section).
How We Figure Your Total Interest Charges
We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in
the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate,
we divide the APR that applies to the Transaction Category by 365.
We add up all the daily interest charges. The sum is the total interest charge for the billing period.
How We Include Fees
We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance
Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase
Transaction Category.
Balance Subject to Interest Rah. Your statement shows a Balance Subject to Interest Rate. It shows this For each
transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing
period.
Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement.
A credit balance is money that is owed to you. You may make charges against this amount if your Account is
open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise
required by applicable law.
For TO (Telecommunications Device for the Deall assistance, please call 1-800.347-7449.
DiscWOJfUnitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discover(Ocard is issued by Discover Bank, Member FDIC RZNFEOOI
Questions? Visit www.Discover.com or c^
call 1 800-DISCOVER (1.800-347-2683 DISCOVER
It pays to PATRICIA MEIXNER
DISC VER DM OVER Account number ending in 9400
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rafe )APR) is the annual interest rate on your account.
Currw* Affi sg Period: 6 days
TYPE OF IIAIANCE ??U I" INMST PERCENTAGE ISALANCE RASI EJECT TO INTEREST CHARGE
Purchases 13.24% V $0 $0
Cash AdvaKes 23.99% V $0 $0
V = Variable Rate
Additfossel Itnpertasf hrfermalien
See your Cocknenrber Agresrrsent. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediatelyl Cal 14WW-2683.
Mllsat To Do N You TTsinh You Ffrsd A Mistake On Your Segment
IF you think then is an error on your statement, write to us &.. Discover, PO Box 30421, Salt Lake City, UT 84 1 30-042 1
In your letter, give us the following information:
Account information: Yaw name and account number.
• Dollar amount. The dollar amount of the suspected erns.
• Descri lion of Problem: IF you think there is an error on your bill, describe what you believe is wrong and why you believe
d is a mrsta You You must contact us within 60 days after the error appeared an your statement.
You mud notify us of any potential errors in?ti . You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate vvhethwr or mat then has been an error, the following are true:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
• Thus charge in uestion may remain on your statement, and we may continue to charge you interest on that amount. But, if
we detemirw that we made a misto e, you will not have to pay the amount in question or any interest or other fees related
to that amount.
• While you do not have to pay the amount in question, yyoouu are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit lim't.
Your AfaMs N You Are Obso"ed Wkh Your Credit Cant iPsMellaeM
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you tam tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be hue:
1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement w• mailed to you , or if we own the company that sold you thre goods or services.)
2. You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card accourd do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover. PO Box 30945, Salt Lake Ci yf ,LIT 841300945
While we investigate, the some rubs apply to the disputed amount as discussed above. After we finish our
investigation, will d tell you our decision. At that point, if we think you owe an amount and you do not pay we
may repo you as delinquent.
Payrrwrsh. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum
Dus by the Payment Due Date. Send only r payment and the top portion of this statement in the envelope
provided. Do ref send cash. BYY sending our as descnbed above, yntt authorize w to use information on your check
Payment
to make an electronic Gird hamster from your accoue Rnancial insttdion indicated on your check or to process the
payment as a cheek transaction. IF poynnant is proits an sFsr the hansFsr will bs far Thre amount of
the check. ion your che atrans?er, Funds may be withdrawn from your
accountas soon athe samday we ecve your , and you will rat receive your check back from your financial
institution.
Trocessing of your payment may be delayed if you send cash, correspondence or other items with 91u r paymet, if you
M payment to anyy h r address or if you uas an envelope other than the one provided. Payment-
$:400 eived in proper
form at our processing fgcilEly hy5PM local time on any day will be credited to your Account as of that day. Payments
received at our processing tacit after 5PM local time will be credited to your Account as of the nod day. If you have
misplaced your envelope, send your payment to Discover, PO Box 6103 Card Steam, IL 60197.6103. Please allow 7.10
days for delivery. If your payment is returned unpaid, we reserve the rigk to resubmit it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloadable, password protected statements.
• See your statement as soon as it's available rather than wait for it to arrive in your mailbox.
• Get helpful payment reminders through e-mail or text messages on your mobile phone. j
• Print a paper copy of your statement anytime.
• Sign up today at Discoveccom/paperless
,1:2010 Di-w B.A. Member FDIC
PAPER.0310
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9578334
Questions? visit www.Discovor.com or
call 1.800-DISCOVER (1 .800-347-2683). DISCOVER
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to
unworn falsifications to authorities, that she is Natasha Szczygiel, Legal Placement Account Manager,
(Name) (Title)
of DB Servicing Corporation successor to DFS Services LLC servicing agent for Discover Bank
(Company)
plaintiff herein, that she is duly authorized to make this Verification, and that the facts set forth in the
foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and
belief.
WWR# 9578334
Patricia M. Meixner
6011002170279400
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
Discover Bank
vs.
Patricia M. Meixner
?????at? of ?uiubrrl{?,#
OFF , c c s c ?,.,?F
'. ED-OFF ICL-:-
(J > Tr1iE PROTH0N0TAIR
7-012 MAY -8 AM 9: 54
CUMBERLAND COUNT'S
PENNSYLVANIA
Case Number
2012-2479
SHERIFF'S RETURN OF SERVICE
04/24/2012 08:25 PM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on April 24,
2012 at 2025 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Patricia M. Meixner, by making known unto herself personally, at 14 Briarly Drive,
Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to her
personally the said true and correct copy of the same.
SHERIFF COST: $34.00
April 26, 2012
DENNIS Y, DEPUTY
SO ANSWERS,
RON R ANDERSON, SHERIFF
!c;. GountySuite Sheriff Teieosoft inc.
In the Court of Common Pleas of Cumberland County
Discover Bank
Through its Servicing Agent
DB Servicing Corporation
Plaintiff
vs'
Patricia M. Meixner
Defendant
No 12-2479 Civil
The defendant Patricia M. Meixner X111/ WS Plaintiff complaint as follows:
1. Admitted
2. Denied
3. Denied
4. Admitted
5. Denied
6. Denied
7. Denied
8. Denied
9. Denied
r
-< > C
--f
D C%r
M
Wherefore Defendant requests that judgement be entered in her favor.
The undersigned, does hereby verify subject to the penalties as of 18 PACS 4904 relating to unsworn
falsifications to authorities, and that the fact set forth in the forgiving answer are true and correct to the
best of her knowledge, information and belief.
Patricia M. Meixner
Patricia M. Meixner
14 Briarly Drive
Carlisle, PA 17015
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVE BANK,
THROUG" ITS SERVICING AGENT,
DB SERVICING CORPORATION,
Plaintiff,
vs.
M m
XM
?
-?n
Case No.: 12-2479 Civil , ::x °-n
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n
MOTION FOR SUMMARY JUDGa4EIWf
PATRICIA M. MEIXNER
Dgfendant.
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Sarah E. Ehasz, Esquire
PA ID# 86469
Weltman,Weinberg & Reis CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
WWR No. 9578334
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
THROUGH ITS SERVICING AGENT,
DB SERVICING CORPORATION,
Plaintiff, Case No.: 12-2479 Civil
vs. MOTION FOR SUMMARY JUDGMENT
PATRICI4 M. MEIXNER,
Defendant.
MOTION FOR SUMMARY JUDGMENT
M.41) NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co.,
L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof,
Plaintiff avers as follows:
I. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of
$6,401.36 with interest at the interest rate of 13.240% per annum from January 31, 2012, and costs. A
true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof.
2. Attached to the Complaint was Verification from an authorized representative of Plaintiff
verifying the accuracy of the amount sought. See Exhibit "A".
3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the
Answer is! attached hereto as Exhibit "B" and made a part hereof.
4.. On or about July 16, 2012, Plaintiff served upon Defendant a set of requests for
admissions and requests for production of documents. A true and correct copy of same is attached hereto
as Exhibit "C" and made a part hereof.
5 .Defendant served upon Plaintiff her Answers to the discovery demands. A true and
correct coy of the same is attached hereto as Exhibit "D" and made a part hereof.
WWR No. 9578334
6. The Defendant admits all of Plaintiffs request for admissions. Thus Defendant has
admitted she applied for, received and made use of the credit card; that the statements attached to
Plaintiffs Discovery Request correctly identify the payments and/or credits, purchases and/or balance
transfers and/or cash advances, and interest rates; that she has not submitted any written disputes as to
billing inaccuracies; that the account accrued interest at a variable rate; that she has made no payment on
the credit lard since May 26, 2011; and that $6,401.36 is a correct and accurate balance on the credit card
account.
7. The Defendant has therefore admitted the material facts in the Complaint and the requests
for admissions and verified the amount of debt owed. There are no meritorious defenses against this
action and Plaintiff is entitled to summary judgment as a matter of law against defendant.
WIIEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment
in favor of Plaintiff and against Defendant for $6,401.36 with interest at the legal interest rate of 13.240%
per annum; from January 31, 2012, and costs.
Respectfully Submitted:
BY: AOOO?f
Sarah E. Ehasz, Esquire
PA ID# 86469
Weltman,Weinberg & R ' L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
WWR No. 9578334
09578334 C A Pit SJS
Supreme Cot Pennsylvania NVWR0
i Coup*)- f Conlmo* leas
h ForPmtlronotan, Use 022
Docket No:
'., it utlfy
CUMBER EON,
CO
The i?rfoj-mation collected on rhis form is used solely! for conrr administration prriposes. This form sloes not
supplemo6tt or replace the filing and service ofpleadings or orher papers os required by lain or rules of court.
S
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Commencement of Action:
M Complaint ? Writ of Summons ? Petition
Transfer from Another Jurisdiction 13 Declaration of Taking
Discover Bank, Throug h .
Lead Plaintiff's Name: its Servicing Agent, Lead Defendant's Name:
DB Se icing Corporation PATRICIA M MEIXNER
Are money damages requested? 10 Yes ? No Dollar Amount Requested: 53 within arbitration limits
(check one) ? outside arbitration limits
Is this a 61ass Action Suit? ? Yes 13 No Is this an MDJ Appeal? ? Yes W No
William T. Molczan,47437
Name of Plaintiff /Appellant's Attorney:
? Check here if you have no attorney (are a Self-Represented [Pro Se} Litigant)
Nature Of the Case: Place an "X" to the left of the ONE, case category that most accurately describes your
PRIMARY CASE. If you are making more than one type of claim, check the one that
you consider most important.
not include Mass Tort)
E
C
T
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N
? Intentional
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Updated 1/1/2011
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Discover Bank,
Throughlts Servicing Agent,
DB Servicing Corporation
Plaintiff No:
VS.
COMPLAINT IN CIVIL ACTION
PATRICIA M MEIXNER
Defjendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan,47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
09578334 C A Pit SJS
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Discovet Bank,
ThroughIts Servicing Agent,
DB Servicing Corporation
Pli jintiff
vs. Civil Action No
PATRICIA M MEIXNER
Defendant
COMPLAINT AND NOTICE TO DEFEND
Yoh have been sued in court. If you wish to defend against the
claims et forth in the following pages, you must take action within
twenty 1(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
againstiyou. You are warned that if you fail to do so the case may
proceed1without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for anyother 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 WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH B LOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICE' TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, Discover Bank, is a banking institution organized under
the laws, of the State of Delaware and maintains a business address of
12 Reads Way, New Castle, DE 19720.
2. DB servicing Corporation is the servicing affiliate for Discover
Bank, f/k/a Greenwood Trust Company, an FDIC-insured Delaware State
bank. As the servicing affiliate, DE Servicing Corporation performs a
variety bf services for Discover Bank including, among other things,
the collection of delinquent accounts, marketing, application
approval, transaction approval, customer service, and billing. The
collection of delinquent accounts includes the right to forward the
account to the attorneys and/or collection agencies for collection and
to file suit on Discover Bank's behalf.
3. At all times pertinent hereto, DB Servicing Corporation is the
servicing affiliate for Discover Bank, in reference to Defendant
account,, which is the subject of this litigation.
4. Defelndant is adult individual(s) residing at 14 BRIARLY DR
CARLISLE, PA 17015
5. Defendant applied for and received a credit card bearing the
account xaiumber XXXXXXXXXXXX9400
6. Defendant made use of said credit card and has a current balance
due of $6401.36 , as of January 31, 2012
7. Defendant is in default by failing to make monthly payments when
due. As'such, the entire balance is immediately due and payable to
Plaintiff.
8. Plaintiff is entitled to the addition of interest at the rate of
13.24051.,'per annum on the unpaid balance from January 31, 2012 . A copy
of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1".
9. Although repeately requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the balance due the Plaintiff.
WH4REFORE, Plaintiff prays for Judgment in its favor and against
Defendant, PATRICIA M MEIXNER INDIVIDUALLY , in the amount of
$6401.36' with interest: at the rate of 13.2400 per annum from January
31, 2012; until date of judgment and costs.
William. T. Mo cz ,47437
WELTMAN, WEINBER & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
WWR# 09578334 C A Pit SJS
This law firm is a debt collector attempting to collect this debt for
our client and any information obtained will be used for that purpose.
DISC VER s aol?.36nCe
os SDSN6ao10002291
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Taxi APP to DISCOV• to receive a link to our
free mobile app and pay your 1411 In eeccnda
from anywherel
PO BOX 6108 Illusllu111n1luluslrll EXHIBIT
CAROL STREAM IL 60197-6103
Address, e-mall or Wsphonw changev IIIII1111If 111 11111uv11111go r1111n11111111nnIII IIIIIf 11
Go to www.Obcom.com or print change In space above. _
000001986458214473213064013600000000640136
Opening Dale. February 3, 2012 - Closing Dale: Febr
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $6,401.36
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Face Charged + 0.00
Interest charged _ + 0,00
New Balance ,401.36
See Interest Charge Calculation section following
transactions for detailed APR Information
Credit Une $5,300.00
Credit Una Available $0.00
Cash Advance Credit Line $0.00
Cash Advance Credit line Available $0.00
Ca3 ac c Bonuse Anniversary Month
February
Opening Cashbook bonus Balance $ 0.00
New Cashback Boras This Period + 0.00
Cashbis& Bonus Balance $ 0.00
To Isam more, log In at www.Discowr.com
3 Easy ways to Contact Us
1 Access your account securely of www.Dinewr.com
2. Cal 14MDISCOVER (1.800.347.2683)
Please have your Discovers card ova liable.
3. Write to us at Discover, PO Box 30943,
Sok Lake City, UT 84130 (Not a payment address)
For paymerts, send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197-6103
For TDD (Telecommunications Device for the Deaf)
oWstance, please call 1-800347-7449.
8, 2012
elof2
Payment Information
New Balance $6,401.36
Minimum Payment Due" 36,401.36
Payment Due Dale DUE IMMEDIATELY
*Includes past due amount of $1,403.00
Late Payment Wangling: IF we do not receive your minimum
payment by the dale listed above, you may have to pay o late
Fee of up to $35.00 and your purchase and balance Iransler
APRs for new transactions may be increased up to the Penally
APR of 18.24% variable.
Minlunung Payment Wanglllg: IF you make only the minimum
paymeal each period, you will pay more in inlered and k wA
lake you longer to pay off your balance. For example,
Only the minimum I 8 years $6,401
IF you would like Information about credit counseling services,
call 1.800,3A7.1121
Manage Your Account Online at www.Dinaver.com
• Access free online tools like Paydown Planner to create a plan
io pay down your balance, securely access stalements, pay
bills online and easily track all transactions
• Make your money worth more 'OA-find easy ways to earn
and redeem cash rewards
• NEWI Access your accounf securely through your
mobile phone
Transocfiions
9578334 Date ' om`re
fee. TOTAL F ES FOR WS PERIOD $ 0.00
Interest alerged TOTAL [MUST FOR TIES PERIOD $ 0100
2012 Totals Year-to-Date
TOTAL FEES CHARGED IN 2012 $ 35.00
TOTAL INTEREST CHARGED IN 2012 102.01
Minimum Payment Due Account Number ending in 9400
$6,401.36 Enter Amount Enclosed Below
Payment Due Date
-
$I
DUE WIMEODUELY
NOT": SEE REVERSE SIDE FOR IMPORTANT INFORMATION ?I V R
I can ppa4yy yyoouur monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance,
r z telephone or you can setup automatic payments through a customer service representative by calling
00.347.22683. Arrlomatic payments will be deducted on the Payment Due Date union you request a recurring p ent
s {a.gg. the 15th daayy of the month) that occurs before your Payment Due Dole. If your achedulsd payment date fails on a
rksrd or bank hall Y, your payment will be processed the business day prior to a weekend or bank holiday, In order
chadufe monthly payment ?ete?he is, you will need this statement and your bank account information. You will be
ad toprovlde the ksst four {4 digits of the social security number of the primary borrower. By providing those numbers as
r elrsnironie signature, you w If be agreeing to this authorization to allow us and your bank to deduct each POm*nt you
rortzein the amount selected by you, from your bank account. You also authorize us to initiate debit or ors It entries to
;Z-t' account, asap I<able, to cnxrecf an error in the processing of such payment. Yau can cancel a scheduled
by phone al 1.8347.2683 ar by mail m Discover, Po Box 3042 ! Salt Lake City, uT 84130 042 I however we
rt receive ratite at k3as1 three buslneaa days in advance of the scheduled payment. If your payments may vary in arnovrn,
will tell you on vadH monthly biNing statement when your payment will be made and how much it sail be. You must ensure
wfficfent kxrds to,
vailable in your bank account, and all lronsadions must comply with U.S. kw,
r can 3e1 automatic payments for- fi) statement New Balance, (ii) statement Minimum Payment Due, (tit) statement Minimum
'rent Due plea a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover
Minimum .ynH.rn Due as listed on your monthly lolling statement, your scheduled payment for that month will 6e
ersaed to cover the Minimum Payment Oue. If the cheduled payment rs greater than tM Minimum Payment Due, any
eaa will be apddred in accordmrce with your Cardmember Agreement. IF your xheduled payment is groaler than the Naw
once on your billing statement, that payment will be processed only for the amount of your New eolance. Your automatic
anent amours maybe less than the amount Indicate on the pert re statement based an credits or payments aNer the
ou enroll by phone in our automatic payment service, please Pill-in the following blanks below and retain the authorization
your records.
rout: ? full Pay ? Min Pay ? Min Pay + $ _, ? Fixed Pay$
nk Routing #: , Bonk Account #: , Frequency:
Hatt RepaHirrg. We may report information about your Account to credit bureaus, late payments, missed payments, or
or de lh on your Account may be reflected in your credit report. We normally report the status and payment history of
it Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316, Please indicate your name, address,
me telephone number and Account number
y1. Inbresh We begin to impose Interest charges on a transaction fee or interest charge from the day we add it to the
illy balance. We continue to impose interest charges until you pay & total amount you owe us. You can avoid Paying
zest on Purchases as described below. However, you cannot ovoid paying interest on Balance Transfers or Cash
as a ew nes on your previous r tag statement by the Payment Due Date shown on that billing statement, we
impose interest charges an new Purchases ar any portion of a new Purchase, paid by the Payment We Date on your
billing statement. New Purchases are Pure)Sases shot first appear on the current billing statement.
u o not pay your ace o ante m 1511 eat monl , i en, depending on the balance to which we apply your payment,
may not got a grace period an new Purchases.
Interest Charges Daily Balance Method (including current transactions); We calculate interest charges
by first fi uring the "daily balance" For each Transaction Category. Transaction Categories include
standa Cash Advances and different promotional balances, such as Balance Transfers.
Hew We Figure the Daily lalance for Each Transaction Category
We start with the 6 inning balance for each clay. The beginning balance for the first day of the billing period is
your balance on the ast day of your previous billing period
We odd any interest charges accrued on the previous day's daily balance and any new fransoctions and fees. We
add any row transactions or fees as of the later of the Transaction Dote or the first day of the billing period in
which the transaction or fee posted to your Account.
We subtract any now credits and payments.
We make other adjustments (including those adjustments required in the "Paying Interest" section).
Hbw We Figure Your Total Interest Charges
We multiply the daily balance for each Transaction Category by Its daily periodic rate. We do this for each day in
the biQi .g period. T is gives us the interest charges for each Transaction Category. To get a daily periodic rate,
we divide the APR that applies to the Transaction Category by 365.
We add up all the daily interest charges. The sum is the total interest charge for the billing period.
pw We Include Fees
b?Je add Balance Transfer fees to the applicable Balance Transfer Transaction Category We add Cash Advance
F}sans to the applicable Cash Advance Transaction Category. We add all other fees ?o the standard Purchase
T sadion Category.
fence Subject Is Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each
1 =ton category. The Balance Subject to Inlarest Rate is the average of the daily balances during the billing
pried,
4 ?edis Rafances. IF your Account has a credit balance, the amount is shown on the front of your billing statement.
AAII audit balance is money that is owed to you. You may make charges against this amount if your Account is
a hen. We will send you a refund of any remaining balance of $1,00 or more after 6 months, or as otherwise
r1quired by applicable law.
ir TDDIelecunmunk:ations Device for she Deaf] assistance, please call 1-800-347-7449.
rsl7rnitor and/or record telephone calls between you and Discover representatives for quality assurance
poses.
The Discover's card is issued by Discover Bank, Member FDIC RzNFEOar
BSf ens;? Visit wwwAscover.com or DISWER
call 1.800-DISCOVER (1.800-347.2683).
DISC VER trpo go PATIUCIA
Account mren Iorending
? C ??Y?? Aeerwnl in 9400
prago 2 of 2
Interest Charge Calculation
Your Annual Percentage Rafe (APR) Is the annual Interest rate on your account.
Cunw* IGhrg Period: 6 days
TYR OF 6AIANCE At IUAf gERCENTAGE 6AIAP?CE?SUUE? CI TO INTSM CHARGE
pund,vou 1314% V SO SO
Cosh Advanves 23,99% V $0 $0
V . Variable Rate
Addillonai knporkw leforrrrdian
See yaw C ilmomber Agree .mill Your Cordmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report Immedlotelyl Call 14~-2&U.
iA*af To Do if TM Thb* X ft &dA Mdgb On I=Stairntimt
ifyou think Ouse is on enor on your ddement, write to us at: Discover, PO flax 30421, Salt lake City, UT 84130.0421
your biter, give us the following Information:
Account iniarmaMM Your name and account number.
• Donor omounr. The dolor amount of the suspected error.
• o o o Prob : If you think there is on error on your bill, describe what you believe is wrong and why you bellow
sam
You must conloet us within 60 Joys after the error appeared on your statement.
You must notify us of any poterdial errors You may call us, but if you do we are not required to investigate any
potential errors and you may haw to pay the amount in question.
White we investigate whether or not dwo has been an error, the following are true:
We carrnat tryb select thae amewnf in question, or roport you as doiinquemt on that amount,
• The charge in ton may remain em your alahmenl, and ?w may cor?inuo to charge you Intaost on the amouek, But, if
we determine that We made a mistake, you will not haw to pay the amount In question or any interest or other few related
to that amount.
• While you do not have to pay the amount in question, yyoouu we responsible For the remainder of your bakmce,
• We can apply any unpaid amour! agaimt your credit Hmit.
Yosrc AfaW If Ym Mitts DfeeatbNiiid WM Your Qrrefk Card Pfwrchasr?s
If you are dinalisned with the goods or services that you have purchased with your credit card, and have tried
in good failh to correct the p em with the merchant, you may have the right not to pay the romainamount
due on the purchase.
To use this right, all of the folowing must be true:
1 The purcho» must have been made in your home aide or wlthhn 100 miles of your current mailing address, and
the purdsoa price must have been mart than $50. (Nora: Neither of these am necessary if your purchase was
based on an advertiaoment we mailed to you , or if we own the company that sold you"goods or services.)
2. Yournus! have used your credit card for the purchase. Purchases mode with cash advances from an ATM or with a
check Nod accesses your credit card account do not qualify.
3. You must not yet bow fully paid for the purchase.
If all of the orkeria above am met and you are still dissatisfied with the purchase, contact us in writira aY
Discover, PO Box 30945, Sak Lake City, UT 841304945
While we investigate, the some rules apply to the disputed amo nt as discussed above. After we finish our
investigation, we wig %I you our derision: Af that point, if we think you owe an anwvrd and you do not pay we
may report you delinquent.
Payments. You may rill or part of your
Pay Account balance at any time. However, you must pay of least the Minimum
mad Due by the meat Due Da?e..Send only your payment and the top portion of this statement in the envelope
ptavlded. loo not each. gy sending your creek as described above, you authorize us to use Information on your check
to make an electronic fund tansler from yam accost al Noe financial tnsithdion indicated an your check or to process the
end as a check tmsadion. If poymerat is processed as an electronic fund transfer the tramfer will be for the amount of
the C?sele. When we use information from your check to make an electronic fund tanner, furs may be withdrawn from your
account as soon as Noe someday we receive yaw payment, and you will not receive your cheek back from your financial
institution.
?toceseirag ofyour may be deksyed If you send cash, sour spo?den?e or terns with our payent, if you
The eived
serest N» payment roarny?olMr addross or If you u» ar envelope ortner t?non the ore provided. I'aymen?s rec In proper
form a! our processing taeility SPM local time ar ay will be credited to your Aexourd eu of tied day. Payments
received a our proeeaing facili aRer SfMh trot Ilme will 6e crodlted to your Account w of the next dry. if you haw
misplacedYoor envefpe, send your paymsod b Discover, PO Box 6103 Carol Siroam, IL 601 97 61 03, Please allow 7.10
days for delivery. If your paymord is ratumed unpaid, rue resarw the right to resubmit it os on etectonic debit,
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI ER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloadable, password protected statements,
• See your statement as soon as it's available rasher than wait for if to arrive in your mailbox.
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• Print a paper copy of your statement anytime.
• Sign up today at Discovercom/paperless
®2010 Discom Bank. NWd w FDIC
PAPER.0310
0
v
19578334
Questions? Visit www.Discavor.com or
call 1.800-DISCOVER (1.800-347-2683). DISCOVER
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to
unsworn falsifications to authorities, that she is Natasha Szczygiel. Legal Placement Account Manager
(Name) (Title)
of DBB SorvicingCorporation successor to DFS Services LLC servicing agent for Discover Bank,
(Company)
plaintiff kerein, that she is duly authorized to make this Verification, and that the facts set forth in the
foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and
belief.
WWR# 578334
Patricia M. Meixnex
601100200279400
in the Court of Common Pleas of Cumberland County
Discover Bank
ThrouOh its Servicing Agent
DB Ser*icing Corporation
Plaintiff
Vs'
Patricia] M. Meixner
Defendant
No 12-2479 Civil
The defendant Patricia M. Meixner answers Plaintiff complaint as follows:
1. Admitted
2. Denied
3. Denied
4. Admitted
5. penled
6. Denied
7. Denied
8. Denied
9. Denied
-.-
Wherefogre Defendant requests that judgement be entered in her favor.
The undosigned, does hereby verify subject to the penalties as of 18 PACS 4904 relating to unsworn
falsificati ns to authorities, and that the fact set forth in the forgiving answer are true and correct to the
best of * knowledge, information and belief.
Patri "Patricia K Meixner
14 Briarly',Drive
Carlisle, P#. 17015
P C3
GSlK?3Q1,
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION
DISCOVER BANK,
TOUGH ITS SERVICING AGENT,
D SERVICING CORPORATION
Plaintiff,
V. NO.: 12-2479-CIVIL
PAUUCIA M MEIXNER,
Defendant.
PLAE"UF'S FIRST REQUEST FOR ADNUSSIONS AND REQUEST FOR
PRODUCTION OF DOCUMENTS
Plaintiff demands that the defendants answer and respond to the following Request for
Prolduction of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure
within 30 days from the date of service hereof.
Plaintiff also demands that defendants answer and respond to the following Request for
Admissions pursuant to Pa. Rules of Civil Procedure 4014.
You are requested to admit the truth of each of the statements of fact hereinafter stated. You are
instructed that:
1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et
segj.,'and each of these matters of which an admission is requested shall be deemed admitted
unless your sworn statement in compliance with such Rules is timely made.
2. If you do not admit each of such statements, you must specifically deny each one
not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each
such matter.
3. Your answer, signed and properly verified, must be delivered to the undersigned
attorney of record for the Plaintiff within thirty (30) days after delivery hereof.
4. If you fail or refuse to admit the truth of any such statement of fact and the
P1antiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses
incurred in making such proof, including attorneys' fees, witness expenses, etc.
5. If, in response to any of the following statements of fact, it is your position that
thel statement is true in part or as to some items, but not true in full or as to all items, then answer
separately as to each part or item.
6. If you have been sued in more than one capacity or if your answers would be
different if answered in any different capacity, such as partner, agent, corporate officer or director
or the like, then you are requested to answer separately in each such capacity. Failure to do so
constitutes an admission in any such capacity.
7. In these Requests for Admissions:
A. The word '!person(s)" means all entities, and, without limiting the
gen rality of the foregoing, includes natural persons, joint owners, associations, companies,
partnerships, joint ventures, trusts, and estates,
B. The word "document(sY' means all written, printed, recorded, graphic, or
photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any
manner to the subject matter indicated;
C. The words "identity" "identify". "identification", when used with
res t to a erson s means to state the full name and present or last known address and business
add ss ss of such erson s and, if an actual person, his present or last known job title, and the
narpe and address of his present or last known employers;
D. The words "identity..... identify" "identification", when used with respect
to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise
participated in the creation of the same, the name(s) of the addressee or addressees if any and the
name(s) and address(es) of each person who have possession, custody, and control of said
do men s . If any such document was, but is no longer in your possession, custody, or control,
or r, existence, state the date and manner of its disposition; and
E. The word "identi ' when used with respect to an act (including an
all ged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means
to Q) describe the substance of the event or events constituting such an act, and to state the date
whon such act occurred; (2) identi each and every person(s) participating in such an act; (3)
ide ti all other erson s (if any) present when such act occurred; (4) state whether any minutes,
not s, memoranda, or other record of such act was made; (5) state whether such record now
exits; and (b) identify the 12erson(s) presently having possession, custody or control of such
record.
8. Unless otherwise indicated, all Requests herein relate to those certain events,
persons, and period of time more fully described in the pleading in this case.
9. These requests are of a continuous nature.
These Requests for Production of Documents shall be deemed continuing so as to require
supplemental answers and documents if any information of documents are acquired subsequent to
the` filing of responses hereto, which information or documents would have been included in the
answers and documents produced had it been known or available at the time the answers and the
documents provided pursuant hereto were produced. Defendants shall supply such information
ano documents by supplemental answers and production of documents as soon as such
information becomes known or available and in all events, prior to trial of this action.
If objection is made to any requests for production of documents, it is demanded that the
requests for which there is no objection be answered and furnished within the aforesaid period.
All documents identified in response hereto shall be organized and labeled to correspond
with the request to which it pertains. For all documents produced, list the individual and his or
her job title and department from whose files it was produced and the current custodian of said
document.
If a document called for is believed to exist or is known to exist, but is in the possession,
custody or control of another person or party, the existence of the document, the identity of the
pos essor, custodian and one in control of such documents shall be provided along with any
applt'cable common description or citation utilized by the publisher, possessor, custodian or
diss?mmator of such document.
If any document called for by this request is withheld on the basis of any claim of
privilege or any similar claim, identify that document as follows: author; addressee; indicated or
blind copies, date, subject matter, number of pages; attachments or appendices; all persons to
whom distributed, shown or explained; present custodian; and nature of the privilege or similar
claii,n asserted.
REQUEST FOR PRODUCTION OF DOCUMENTS 1:
Produce any and all documents evidencing proof of all payments on the subject credit
card referenced in the Complaint, including, but not limited to, cancelled checks, receipts,
couOons, statements, accountings, memoranda, invoices, financial statements, accounting entries,
diaries, charts, lists, phone records, data compilations etc.
REQUEST FOR PRODUCTION OF DOCUMENTS 2:
Produce any and all documents you intend to introduce and/or provide testimony on as
evidence at the time of trial.
REQUEST FOR PRODUCTION OF DOCUMENTS 3:
Produce all documentary evidence or information substantiating the defenses asserted in
your Answer.
REQUEST FOR ADMISSION NO, 1:
Mfendant applied for the credit card referenced in the Plaintiffs Complaint.
Admitted
Denied
If the answer to Request for Admissions No. I is anything other than an unqualified admission,
plee qualify your response by setting forth which parts of the request are admitted and which
par?s are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Pleise attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 2:
Defendant received and used the credit
card referenced in the underlying action.
Admitted
Denied
If tl a answer to Request for Admissions No. 2 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 3:
DOendant resides at the address listed on the monthly statements dated October 02, 2008 through
February 08, 2012 and attached to these requests as Exhibit 'T"
Adsnitted
Derpied_
If Oc answer to Request for Admissions No.3 is anything other than an unqualified admission,
ple#se qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
PI ' e attach any documentation in your possession that supports your response to this request
ancidentify the Defendant's addresses and the dates that Defendant resided at the said address.
REQUEST FOR ADMISSION NO.4
The purchases and/or balance transfers and/or cash advances listed on the monthly statements
attached hereto as Exhibit "I" are correctly identified for the underlying credit account.
Admitted
Decried
If the answer to Request for Admissions No. 4 is anything other than an unqualified admission,
ple0se qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Plerase attach any documentation in your possession that supports your response to this request.
RMUEST FOR ADMISSION NO. 5:
The{ payments and/or credits listed within the monthly statements attached hereto as Exhibit "I"
are correctly identified for the underlying credit account.
Admitted
Denied_
If tl a answer to Request for Admissions No. 5 is anything other than an unqualified admission,
ple4se qualify your response by setting forth which parts of the request are admitted and which
pans are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 6:
De$endant made no payment on the credit card since May 26, 2011.
Admitted
Denied
If t$e answer to Request for Admissions No. 6 is anything other than an unqualified admission,
ple#se qualify your response by setting forth which parts of the request are admitted and which
pans are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REWEST FOR ADMISSION NO. 7:
Thqcredit card account which is the subject of the underlying action accrued interest at a variable
rate4
Adrliitted
Denied
If toe answer to Request for Admissions No. 7 is anything other than an unqualified admission,
plese qualify your response by setting forth which parts of the request are admitted and which
pa s are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 8:
Tho interest rates listed within the monthly statements attached hereto as Exhibit "1" correctly
ide?tify the interest rates for the underlying credit account.
Ad*iitted
Decried
If a answer to Request for Admissions No. 8 is anything other than an unqualified admission,
ple a qualify your response by setting forth which parts of the request are admitted and which
par s are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
PI se attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 9:
Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit
card in question.
Aftitted
Denied
If toe answer to Request for Admissions No. 9 is anything other than an unqualified admission,
pi a qualify your response by setting forth which parts of the request are admitted and which
pa are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Pie a attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 10:
$6,4101.36 is a correct and accurate current balance of the credit card account in question as of
January 31, 2012.
Admitted
Denied
If the answer to Request for Admissions No. 10 is anything other than an unqualified admission,
plealse qualify your response by setting forth which parts of the request are admitted and which
pans are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Ple4se attach any documentation in your possession that supports your response to this request.
T>S IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFO
OBTAINED SHALL BE USED FOR THAT PURPOSE.
M ;T.
Sarah E. Ehasz, Esquire
Pa. I.D. #86469
Weltman, Weinberg & Reis
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR:9578334
DEFENDANT'S VERIFICATION
I, , (please print) under penalty of perjury and
subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities
ve.iify that the foregoing Responses are true and correct to the best of my knowledge, information
and! belief.
Dato Signature
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiff's First Request for Production of Documents and
Rej I uest for Admissions has been served by U.S, Mail, on the 1(PI-11day of ,
2012, upon the following:
Patficia M Meixner
14 Priarly Drive
Carlisle, PA 17015
By:
New Balance Minimum Payment Due Account Number ending in 9400
DISCOVER $5,158.42 $103.00 Enter Amount Enclosed Below
Payment Due Date
November 1, 2008 Please make check payable to Discover Card of
pay online 0 Discovercard.com.
02 SDSN0A01 0005023
PATRICIA MEIXRER
14 BRIARLY DR
CARLISLE PA 17015-767D
Address, eanall or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Text APP to DISCOW to receive a link to our
tree mobile app and pay your bill in seconds
from anywherel
PO BOX 71084 1111111 lilts lillill
CHARLOTTE NC 2827Z-1084
11IlellrlleeelellenleelelelliIIIIIIIIIII111111111
lllerlrlrell
000001986458214473213051584200000000010300
Discover More Card Account Summary
Closing Date: October 2, 2008 page I of 2
Account number ending in 9400 Prevlous Balance $0.00
Payment Due Date November 1, 2008 Paymenb And Credits 0.00
Minimum Payment Due S 103:00 Purchases + 0.00
Credit limit $6,000.00 Cash Advances + 0.00
Credit Available $841.00 Balance Transfers + 5,000.00
Kash Credit Limit $3,000.00 finance Charges + 158.42
Cash Credit Available $841.00 New Balance - $5,158.42
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cosh6ack Bow? Opening Cashback Bonus Balance $ 0.86
New Cashbock Bonus This Period + 0,00
Redeemed This Period 0.86
Cashback 8onusO Anniversary Cashback Bonus Balance $ 0.00
Morth: February
Keep building your rewards with every
Ipu base. Scat redeeming once you reach
520 Cashback Bonus(R).
How Can We Help You?
I How 1 Vises Diwover eom to pay your bill for no cost, view your
f
Account In
ormation, earn and redeem rewards and more
IIFrs your choice - 3 ways to help 2. Call 1-800-DISCOVER (3A7-2683) for fast, easy selfservice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
,For TDD (assistance for hearing impaired) see reverse side Saft Lake City, UT 84130
Transactions $0 Fraud liabllity Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Potence Transfers Sep I Sep 3 HOME DEPOT CREDIT XXXXXXXXXXXX0787TI NV g 5,000.00
APR 1.99% EXPIRES 07/2009
Sep 1 Sep 3 BAL TRANS TRANSACTION FEE FINANCE CI LARGE 150.00
EXHIBIT
19578334
feed Cash? Whether it's For an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card
4an always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit
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fang and Wormtlon. H there is we two rule page to this billing statemaN. we to back at each page for addi0onel impormN inkrmnGon.
So yaw CerdmemberAgreameni. Your CardrmrrberAgreement orxaains no tee terms of yeirAccounl.
Loy w station cards. Repel iaere3elelyl Cal 1.600.347.2683.
g IugMs Summery. to Case of Eners or Questions About Your DA: N you thank yatwbl fs wrong, or if you need more nlomimim dwul a transaction on yourbb, write to us on a
are sheet of paper at Discover, PO Bus 30421, St I.alne Ci% U 18413DWI, as soon as poN*- We mast hear from you no Wilson 60 days aga we sera you the first bit on
the am or problem appeared. You can telephone us. but doing so wdl not preserve yea no & In your letter. give us to following worrruion:
tomeordAccetot t Is&
dater amoraa of to suspected ester
ode the error and expfrvl, I you can, why you believe Mere is an error. D you, need mare Nomtafen, dr5oiie the darn you are unsure ebotd
o tN how to pay any aussuiin question Yh1e we me igvesliOng, hit you are sil ohiflAd to pay the parts of you bill That are not in question P& we inesfgale your
ion. are earaml reps[ you as debRuard or take any action to colad Ds smoui you guamina
3 islRule tw Credo Card Purcluso: 6 you have a "m with ore quality Of goods or saruxes the you purchased with a credit card, and you two tried in good faith to correct
Be Oblem with tar merchant. you ratty, not have to pay the ramsiumg amour due urn the goods or seMms. You hove Mica potmfon only wham rive purchase prime was more than 550
and ?he p ' wduse sutra rvnde inyowhorae stab or willnn 100 miles of yaw mo ing address. (If we am or operate the madsen4 or if we mated you the advedieanuml bi the goods or
ON whom am covered regardless of ffwamowd or location of piedae a.)
P Sad xdy yea payees[ end tee tap porinn d Mhle slslaiiaY in Aar enudope provided. flat rs>t send reef[ By sandig your clpdc as desedbad atxtve, yixi auNuxize us b
use moan ire your direct b make an elaaratlc fraud trarsfru hoar yttr account m its Iruxicial ins6adien indented on yew octant a lo prpcess Ms payment as a rlieek kansacfoh.
II le prtxreod es an Nedssahelund traMfa. Ne Uara1x will be tau Nm anaud on the check 1Mhorh we tree isles el on limn yarded to nuke srt aLchorrie Mil herwier
ties may Le witrkeitii (tint you axannl as soori ffi due same ulaywa recax your payment. ad you vii trot reeawa yew dierk beck limn yowinhirtcid inskkpon.
an
The ?imcsasinll cyan payment may he delayed I you card cash, oorrespadanna at odor items with yew p?ymeof, ff you send the paymcm to any other address or 0 you use sec
olia then M one povded Payments temind in proper farm al our processing faulty by 6PLl (oral im on my day wd bo wodibd m yourAcmuntas d that dray. Poyyr„its
h veil is our pteawrg trrsi4y tier 6Pkl low fans will be Medhid b yuwAawnl as of the riexl days If you have mspkad yorrawroye, send your poymera to Ohne"t. PO flux
619. Gerd Stream, L 60197.6183. Plates slow 7-10 days for dekvery. If your payment is returned unpaid, we reserve tae iiglt to resubmit it as an eledromodebit.
You' pay your fricinam payment or a greater Meow over he telephone. and you can set up Kai sdc psymems Cod us at 1.800.341.2683. You vii road this statement and your
hand aslmtN iddatakcs You must [tares purl sufficient Imxh are walirhle it your bards arxmd, and al karsacfons must comply wall U.S. law. You WE be asked to Key* the first
5 d yew acceuntalalasraa Zip code. By aiming these numbers as your dacOronrc sign ure. you will be ageeng to this authorization to allow is and your bank to deduct each
pays you audrorfze horn you bank account, and to irihae delht or credit Mesta b your Lm* account, as appicmla, b oxied an offer in the processing of such payment. You must
Isle to invent of each psymed, or We can select an enraN suds as the Wmimum Payment Due or The New Blanca on each statement You can emtxl a payeters, however we
receive rmotioe al Last ones bnsirsas days in advance of Me sduduled payvn tit. YOU may wily to by ph" of I-OW-317,2683 or by mail at the address koted in the previous
par aplt. If your paycnents aiey very in anoatl we wit tvu you an each nwrd* stabrnni when your payment wig be made and how much n Al be. YoaAulontatic papimnt amount
may less than itedieatedon ft mamldlysreramsrtbawd on credits or payments apphddwwngIM bitingcycle.
Cte it Reporting. [Ate may repon Nernsoon about you aensa to norit bureaus. Late payments. nissed p ryroores. or oter dehniku on your account may be reflected in yourcreda
r I. We monelyreport litre sops and payment history of your Account to credit repur ing agencies each month. If you believe first our repel is inaccurate or incomplelo, please virile
is he Minwi g adbess: Disc over PO Box 15316, Wimiigoh, DE 19850-5316. Please include your name, address, home telephone number and Aoooaa number,
PE ODIC FINANCE CNARGE& Periodic Freres Charges ere imposed on all IrnsaUions Sam Me date to tronsaclkn is posted In your Account udl #ie dare you pay yew mire
New Batatece. by raelang payments ateceivfng credits. However, it you paid tie New Balance on your previous billing slakslunl by the Peym*A Drs Date shown on Hurt shoemaM, and
you y Mrs New Batteries by IM Pertinent Due pate on your anent bring aWtanw•nl, war weir mar krywse Periodic Finance Charges on new purchases, that is, purchases lost
on serail statement We call this tw Smoo period.Olhenvise, you wit rewhve a billing armament next mnlh that induft Periodic Feprr t Charges an apse new puichowss. Thee
is ix aka period onlalenoo kamfers or cash advarices.
Vm tyowtransaommiaogaupsdpwdreses,ceatwkwwn,andbmancelmWersaiWtmi rgiersWftnosacdoniwdhneedigrotpbyfttAimmlPenxrrtagaf2afa_For
am ple, pudtase ; adOd to a plermokwhai tale and ptechases bubfocl to a imardard nab would be sepeaele groups. fAre refer to these gawps as bensaUan categories. At to owl of
each b*M pared, via compute hsfatcia; &A Periodic France Charges tar each day of the hifwg paned for sa6 eansadion caropq We use Nor Kuwaiti; equation to compute
Pork dic Fiance Charges kw each karsection category; Average Doty Belmice x norther of days in the UK%period x Body Penodo Pole. (You may refer to the fnance charge
sum rayon your lriig statement fa shove anovim) Than we add tip to Pei iudk Finance Change: fa each transaction category to gel ho brel Penode Finance Charges for you r
Accit L The Average Why Beleoee is shown as zero if, because of tin grace period, no Period(; Firimm Owgm alpty b the holaice, in a eansacIOA category
we t- inAvenW Daft flAvce (ndudig new Itsonens fors) nidW of calculating dobawice upon Ouch we iripose Pnxxlc Finance Charges. We compute deAvaraga Daly
fila*w Iw earii aamachm calegay by a ddng up as the dally balarass n a bang period for a Uansacm eilogoy aid sk ndng the tiara by the nnitar of days it Die billing cycle. We
coqute to do* balance for each vease:ft cutw try on aath day by fret addling In lolowsg to die previous day's catty bmlerce: eonsoctams inside that day, fees charged gel day
ad Oviodic, Finance Charges eocaead m the prevprs clay's drafty balanhee: and by then subtracting nmycreds and pprionts that ere applied against the e d the Ua
cos on dear day. In calcomig to 4aly ico for le first day of Vie bl' parted. eve consider "'previous cW each en n
on Nre Fast day d your day s ts pef'r to which ic been your vill t tonsuc k -itcrm
w prraous bikhg period N e transaction is peeled to your Aoootnl alter the close of the IiWhg paired in wfnrh t ouxhre, or ws wit bast the Uansaolion as liav-
*ht.e d on thefirst daydMebfirgpriednvAichltisposted byewAamM.
Aoco ud are added to tar standard pudhase rraissoclim calegory with the excepiai of Cash Advance Traiseckon Fee Fxiarm Chwgw which are added to the
transaction coleg vyand fWaice Transfer Transaction Fee Fiances CJmrgas which are added to the applicable balance transfer lamescton category. Whtm
elsnce handl r rare e>?res. we move tho unpaid balace of the balemce hansfermd the Balance Transfer iranswAnn Fee Fstance Charges to ais standard purchase
category. ilowava. lkospecial rote has been terminated under Ibe Def sil Rate Pion, we Peeve to unpaid balance of to belenee Imnslat and die Balance Transfer Trons.
Fnance Char ges in the applicable Uaasecton category until the special rare would hm expied.
For 100 (Telecommunleadvi s Device for the Deaq assistance, please cat 1.800347.7449.
Docritier may mmdor sonar rand Idephorre calls between you std Discover reyxesentaDwes for qually assurance papnes_
is saved by Deemer Bank. Member FDIC.
O1TBK110
DISCOVER
updy:?, PATRICIAMEIXNER
DiSC? SVER` Account number ending in 9400
introducing the Redesigned Discover" App.
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832012 Dkow Bonk. Meober FM 'Onrlime only "mea. M,g d due roes may apply.
Closing Date: October 2, 2008 page 2 of 2
Finance Charge Summary
pramorion: Make a purchase by 12/31 /08 to receive a 1,90% APR on all purc hases made from 10/04/08.04/30/09.
wily Periodic Rate: 0.00521%.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
*578334 Dgily
Be Periodic
Rates PERCENTAGE
RATES PERCENTAGE
RATES FINANCE
C. S FINANCE
CHARGE$
current hiring period: 30 days
Rurclwses $0 0.04038% 14.74% V 14.74% $0 $0
h Advances $0 0.06299% 22.99% F 22.99% $0 $0
rloncoTransfers $5154.06 0.00545% 1.99% F 36.88% $8.42 $150-00
ous bilSng period: 31 days
chases $0 0.040381% 14.74% V 14.7A% $0 none
The rates that apply to your Account are either fixed (F( or they may very (V( as noted above.
questions? Manage your account at Discover.cotn or
call 1-800-DIISCOVER (1-800-347-2683).
c New Balance Minimum Payment Due Account Number ending in 9400
DISCOVER S5,057.10 $101.00 Enter Amount Enclosed Be"
Payment Due Dare $ 1- -?
December 1, 2008 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDS14BA010005024
PATRICIA MEIXNER TextAPPto DISCOV"to receive alink to our
free mobile app and pay your UK in seconds
14 BRIARLY OR from anywherel
CARLISLE PA 17015-7670
PO BOX 71084 111 .llt,rllrsr,6lir,lr1
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Iu?illnlurlillirrfrrlrlirrll?Inilnlnlu?In?Filn?rtnll
above, or go to Discover.com. Print your e-mail address to
;receive important Account information and special offers.
00000198645821447321305057loool10t)00010100
Discover More Card Account Summary
Closing Date. Navem6er 2, 2008 page 1 of 2
Account number ending in 9400 Previous Balance $5,158.42
Payment Due Date December 1 2008 Payments And Credits 110.00
;Minimum Payment Due $101.00 Purchases + 0.00
Credit Limit $6,000.00 Cash Advances + 0.00
Credit Available $942.00 Balance Transfers + 0.00
Kash Credit Limit $3,000.00 finance Clrarges
" + 8.68
^?
Cash Credit Available $942.00 New Balance - 5,037 10
You may be a66 to avoid Periodic Finance Charges, see the
reverse aide for details.
Cashback Rome Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance S 0.00
(Cashback Bonuse Anniversary
(Month: February
Keep building your rewards with every
rchass. Start redeeming once you roach
r
0 Cashback BonuslR).
2
OW Can We Help You?
P I Visit Discover cores to pay your bill for no cost viewyaw
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800AISCOVER 1347.26831 For fast, easy self-service
'lease have your Discover Card available, options or to speak with a Customer Service Account Manager
or TDD (assistance for hearing impairedl see reverse side 3. Write as of Discover Card, PO Box 30943,
Salt Lake City, UT 84130
ransactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
taynw is and Credits Oct 29 Oct 29 PAYMENT THANK YOU $ 110.00
Information For You
Ounce Transfer oHorisj-for current billing period:
ihaily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0.00%
6578334
Freel Discover Gift Cards ship FREE and come in a variety of holiday designs. Choose any dollar amount from $20 to
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s rme can am page b Ombilirg slaterosrd, see rho bad of eadr page lax additional imnpofenq i formatif h.
neat Your Cass daieinba Apreemaot contains al the lane of you Account.
w strden cards. NepM inanedialetyl Ca91.800-347-2683. o
g Rights Senrrrarµ In Case of Hots orOuestcns About Your 1341: II yah penal your b ll ¢ morg, or if you need more infomaiim about a transaction an you bill, write w us on e
aid sheet of paper of Discover. PO Box 30421, Sal Lake City, UT 84130-0421, as soon as possible. We must hear Iron you no lake sear 60 days age we sem you the first bill on o
Oho am or pobkgr afrp sexed. You can Islephort a ua, but doing so wil roof preserve y7na dgfna In your kger, pare us fie folowbng inlormsai : o
r name andAcoou l n ff1w i
dolor wnourm of her stespected awn
Vitro Ow amt and explain. U you can, shy you believe there is an error. It you need more Wannolion, desorbe the ikon you are unsure about.
YOU not have to pay any anxxrd in queston while we we laiesdpafrg, but you are still obligated to pay the parts of you brit enet are not in question. Whik we investigasr you
quet We, we cwrwl tepat you as de6agnsm or late any action to collect du ama+m you tylasliat
Special Rule for Crodh Cad Purchases: If you have a problem Nth the quality of goods or service hit you purdhewd with a credit card, and you have tried in good fain to correct
the Wool wills Ow mtechem. you rarely not have ad pry the fanrethag amoral due an the goods or serum. You have ties pr awlion only, when die puchaw poor was more than $50
and fie pun chase was made at Vale home stale a within 110 miles of your nadig address. (If we ow or operate die merdhenC or if we mated you the atiMsensnt for the goods or
a rrv omi, d purchases are mvaad tagadfess of the abroad or bcoiorh of fnrdusea
P . Sardonlyyosr paynewfl end are top fimiiott of t his ateeanenl in dw envelope parMa Wool send cash. By sending your dwdc as described above, you aulhon@e us to
use an you chalk as, male an eledmnic ford mmolm from yaw ncoaatl at fire f mnaid Institution k4mled on your check of to process Use payment as a check I ansaclion.
H pre is posesaed as an elece onie hind trainer. he hander will be for he amount at the check. When we use information ban your (deck to make an stwiranic fund aarsra,
h may bevNeIrasnkanyewaccount assoon asheowner daywetoraveyour payment and you will naprecenetarBredbadssoaryour ke cal institution.
This daeaehx3 of your payments Italy be destroyed T you sand sash, comeapordence or Octet items with your ?yrna?t, 9 you sad 6ha paynad b arty mho akkess of l you use an
Odae Iles he one play" Papnads raceived in popaform elan processing faddy, by 5PM local dabs on atrday roil be ceded to you Aomurd as of Ihaa day. Payments
I aE so rpata;scwsg M* * r Fla 5PM local line *1 be credited W your Account as of the next day. Myou how misplaced your envelope, send your payment to Discover. PO Box
61 , Card Stream. 0. 60197.6103. Please allow 7-10 days for delivery. 0 your pmyrruml is returned unpaid, we reserve die fight to rearbndi has an efecl odc debil.
You pay ynr mihirmwa payrnad are greater amount ova the WoFr one, and you can set up womaec payments. Cal us at 1-800-347-2683. You wlf need this statement mid your
aucu nt idtkxnsutikxa You ache release Owl au16c5eud hide as available in yaw bank amount, and a8 aansodta>s must comply with U.S. Ira. You vii be asked b provide the to sl
5 at F year occord sla ern adlip colt By essstng theca numbers as your etechontc slgrtal ure, you vii ba agreeag to thus atdmiaaBon W slow us and you bank so deduct each
you mdlmore front you bait awmid. and to inflate delsl or ae? entries to your bar* accoua as eppicabde, to coaod an error in he pceessig of such psymatL You earst
tel due easel of each p ymoK or you can select an anard suds as de tsinwtun Payment Due of the New galahae an each slehrnent You can cancel a payment, howem we
receive, robe at lent dreg buaiuss days it advance of the scheduled payment. You may notify us by plum at 1-NO-W-2663Of by mad at the oftess fisted in One pervious
par oph II Your paynreMs may way in aroattad, we Will lei you ari 88th ncnlhty statement whim i your payneF wi be made and how arch H will be. YourAulon fide fo ineni savant d
may lass Iran rrkcread on Iha nhornddy statemderd based on arafhs a payments applied dung to bing cyder.
Cm Re orting. We may report information shad yoira®unl to nedl break. Late payraerds, massed payments. or other delakdis on your aomug maybe reflected it your crodi
ropw We nomuYy report die status and Peymmit Idsimy d yourAomurd to ere it reporting wgenoies wadi month U you befievo dim our report is i am mte or kscanipilale, posse wile
as d the fulovrirg addnaar Oimorer. Po Box 15316. Wilmington, DE 19850.5316. Pkase butu a your narrw, address, home lobphone sober aiJAcuount s u lben.
PER OIC FUNCE CHARGES. Psrindxs Finnic Charges are imposed ort d iansediats from the dole the annse.{on is posted to ym Account ung the date you pay your emie
Now alsonce, by alakag payreares or receiving as". However. it you paid the New Balance on you pervious bing statement by the Payment DA Date shown an that stalemerd, and
you yOnes NowBdaircahynoPayment DADeal onyour crwnlfalling stakiueid.wewill nafinpose, PejbkFinance Charges onnine purchases, tois,lxadlaseslost appealing
on rxrrentsiviemad- WecaltisImgracepaiadghawise,youvAtecerieabfangstalernamnextinonththatmdtaksPeriodicFtwancoChnrgssondusenowpadeses.There
is sic awpandonbdauatransfers ofmahadvimom
Wes tydrwomctoMirdagaoupsofpkrdmses,cash advances,and belana,banafassand dianfurther scelthe transactiohstwillnneach 9"by lhreirAnnual PeicensogeRate. For
axe , purchases W*d tea pwandond rate and InKhaws wbyecile a standard rate would be separate groups. We refer to theta groups as transacaah categories. At" end of
each period, we composite, b dersom oaf Pakxho From Chagas foreeerh day of he b* g period for each transaction calegay. We use the k laving equation to wnspute
Ftauhce Ctwges ter each atsreacalin cabguy_ Am W Doty Ralenee x rise" of days in lie bft period x 0* Pariade Role tYou may valorb the (Want, charge
su on your biwg statannam for dose amouits.I Then we add up he Periodic Fneram Charges for each transaction celeguy to get the W4 Pertodc Fnwme Charges ter your
nnl TherAeatags Dimly Balance is ehnvat as taro (, bemuse of the grace period, no Periodic Fiwem Chorom"b de baksme in o transaction caegay.
dteAvaaye naafi Sdbwce (ixdalvg n fransadgnsl nefwkl of cdatLgvng lhb isle xe up err ,I+ It ivu inposa Pe node Fnnoun Chuig¢r Vie canpuk lhoAvohago Duty
Bata ere bromin aarsa i m category by adding up of are deny bottom in a 144 period b e a ar daot augury and lvalsiy the total by me mantra of days in Use failing cycle. We
aM ft day, bataee fa each avesocfat eategrdy on each day Icy bnsl addng le following to the iaevikws day's daily Interim lassacaahs made Ural day. fees charged that day
find mist&Fitenca Charges; waged an the piamis day's duly balance: and by then svblrading arty aedis and payments that are applied against One balance of the uansactian
c, h7 on ohm day In caloulakrg the d* bafmue for ha final day of Hoe Isifi g period, we consider to -paehiaus day's bdahce- to have been yar balance breach transaction
on he last day dyw premw bring purod. gat araneaclion is posted to your Acoaumrdter pis close of the bill g period In which it occurs, we will areal caw he ma liar as lwr-
ng rad cot the hstday of lie blmgponadin which 0is posted to your Aoounl.
All r r k Aanurd are added to he staidahd ppuurchare transaction category wall me excgx at of Cash Advance Ita soction Fee Finance Charges which are added to the
a tnrwactoncategoryand BafwastTransferTtaisoceorFee FinaicesChageswhich are added In ft applicable balauei transfer IrensaclionealeM,When
a . hFarrce Irwmier rat amires, we mxrwe ho unpaid balarm of In balance tras(a end he Balsam Tiasler ha saction Fee Fiance Olargas to the standard purchase
tr . category. However, Ito spatial mass has been terminated rexxler the Def.-dl Rau Plan, we cave the wgxsid balance of the balance transfer and he Bahince Transfer Toms-
' Fee Fiance Clwrgos in the yspbcable banawtion cekgoty until die special rate world have expired.
For Tdeconrnunteaioa Device tar the Da4 assrataticq phaase call 1-500-317.7414.
Llaoo?r may monitor anda record ldepfane calk between you and Discover representatives fm quaky assurance purposes.
cad is issrnad by Dharwar Bank, Member FDIC.
01T0It170
DISCOVER irpaysro Account number ending L.??,?VER• J Account numding in 9400
Introducing the Redesigned Discover* App.
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roWr2lX.ea,k,M. &rFDIC '0-4.
AG 8 dew r h., m.Y nary.
Closing Date: November 2, 2008 page 2 of 2
Finance Charge: Summary
Promotion: Make a purchase by 12/31/08 to receive a 1.90% APR on all purchases made from 10/04/08-04/30/09.
Dally Periodic Rate: 0.00521 %.
P578334 Average
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Ba antes Rates RATES RATES CIS CHARGES
current billing period: 31 days
Purchoses $0 0,03744% 13.74%. V 13.74% $0 $0
ash Advances $0 0.06299% 22.99%, F 22.99% $0 $0
lance Transfers $5144.87 0.00545% 1.99% F 1.99% $8.68 $0
previous billing period: 30 days
,Purchases $0 0.0403890 14.74% V 14.74% $0 none
the tales that 0001y to your Astound are either fixed IF1 or ili- - - NI ,. -t..l .1
2uestionS? Manage your account at Discover.com or
all 1-800-DISCOVER (1-800-347-26831.
New Balance Minimum Payment Due Account Number ending in 9400
DISCOVER $5,170.10 $104.00 Enter Amount Enclosed Below
Payment Due Date
January 1, 2009 please make check payable to Discover Card or
pay online 01 Dlscovercard.com.
02 SDSN6ADt 0005025
PATRICIA HEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Text APP to DISCOV" to receive a Rrtk to our
free mobile app and pay your bill in seconds
from anywhere)
PO BOX 71084 t(?rrs?(snE?srur)r??rr?s?
CHARLOTTE NC 28272-1084
,Address, e-mail or Woo- changel Print change in space (re)r?)r,(nr?r(?rn?u?i?rn(?((u,?,i(u(r,Ou(s:?ri?s(a??
!above, or go to Discover.com. Print your e-mail address to
;receive important Account Information and special offers.
0000019A6458214473213051701000110000010400
'Discover More Card Account Summary
Closing Date: Oecember 2, 2008 page 1 of 2
;Account number ending in 9400 Previous Balance $5,05710
rayment Due Date January 1 2009 Payments And Credits 140.34
;Minimum Payment Due $104.00 Purchases + 244.89
;Credit limit $6,000.00 Cash Advances + 0.00
Credit Available $829.00 Balance Transfers + 0,00
Cash Credit limit $3,000.00 Finance Charges + 8.45
Cash Credit Available $829.00 New Balance - $5,170.10
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonu a Opening Cashback Bonus Balance $ 0.00
New Cashbock Bonus This Period + 0.53
Cashback Bonus Balance $ 0.53
Cashback BonusS Anniversary
Month: February
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Flow Can We Help You? 1 Visit Diwover com to pay your 60 for no cost view your
P latest Account information, earn and redeem rewards and mere
It's your choice - 3 ways to help 2. Call 1-8004)ISCOVER (347-2683) for fast, easy selhservice
options or to speak with a Customer Service Account Manager
0ease have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
#or TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
8ayments and Credits Nov 30 Dec 2 DICKS SPORTING GOODS M PA $ -30.34
Dec I Dec I PAYMENT THANK YOU 110.00
Merchandise/Retail Nov 3 Nov 3 BONWORTH 29 READING PA 54.97
Nov 17 Nov 17 DREAM PRODUCTS INC CHATSWORTH CA 22.94
Nov 19 Nov 19 DICKS SPORTING GOODS M PA 107.67
Nov 24 Nov 24 SMOKER'S EXPRESS #1404 NEW CUMBERIANPA 14.29
Nov 29 Nov 29 SMOKER'S EXPRESS #1404 NEW CUMBERIANPA 9.96
aasoine Nov 25 Nov 25 GIANT FUEL #253 NEW CUMBERIANPA 15.00
010007
X578334 Nov 29 Nov 29 GIANT FUEL 11253 NEW CUMBERLANPA 20.06
010008
Information For You
Bounce Transfer offer(s) for current 61Ring period:
Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0.00%,
Lo"4' for a last minute holiday gift? Give the Discover eGift Card. No driving around for the perfect gift - send ordine
irjstanily._tPs good for purchases at millions of locations, online and over the phone. Finish your shopping today at
lent Inforwielion. If Vera is nano Than one page to ttms billing Maim M see dot bed; W each pope for additional kmpalanl iMamalion.
our Cardimenmes Agrceml. Your Cardnherrfber Agnerxaenl corda is ad ft Roams of you Account.
m stolen cards. Repot iimrediii Cab 1.800.347.7,683.
I Rota Summary. bur Can of Errors or Ouesdon s About Your Bik I you think you lad is wrong, or % you reed more Information about a transaction on
ro sheatof paper FA Dlsim. PO &u 30421, Salt Late Cry, UT 04 3x0421, me soon as possible. ft mum hear Rom you no later then 60 d oller curyour rA bill, win to to ? on
o
M error at problem appeared. You can lelophroe us, but dohg so d not preserve your n sf You the ifs[ hill on
ghts. In you latter, give us the following information:
rums ariAamrehd numriet
fmlw amrwra of the arrpedled err
An or war and expbin, xyou can, why yaw believe three is an g your creed more hrounotion, describe the tent you are unsure about.
b mot twit to pay any aoaumir gnCa4ps while we ore investigating, you are slid whirled to pay the parts of you ball 9to are not n quest in Whim we iwestigate your
n, we tamed iellal you as delexpld at take any action to cob 1 enwrd you gnas0on.
Rlie for Credit Card Purdwaes: Myou have a problem wilh the iy of goods Of services thel you purchased will a debit cad, and you have Tried in good fiedh In cared
Me ablem aidr the nnerdasnt you may not have to pay Nemmdprng r;P due an the goods all services. You have this, protection a* whale the purchase price wax more than $60
and freduse, was mode in you line state a widen 100 miles of mailing address. (I we own or operate the metchani, or t we mated you fire advabeenni for die goals or
set , al purchase are corned regardless of the amount or location purduso.)
P the. Serer a* your payment and die top portion of Iles sudeme it dx emelope provided. Do not sad rash. By reading you diedc as described above. you audix¢e its to
rasa mason, on ynurdwdi to make on eledrrda Mod transfer from eaetnr of die financed insOikdan Inrlicaled on your dada or to process the payment as a chock bam ad on
M to pt omW as en ehd=io kind transfer. Ba barafor w'i be the amount on doe check. 6ti11en we use Woure eel tram yo r check b make an elecartic lied varukr.
may,
he wiMram kart yule account as sti n as ft mane day war your payment And you call rot receive your dieck beck from yaw financial hisiturion
The of you litimi M maybe delayed t you acrd calla, con or other items wilt ymtr Papmorit. 8 you send me payment to any other address or g you into an
r archer tlhar tlu one prawded. Paymasds rarnivad a proper form
xd steel ptocessag kwxlq aler 5PM focal tine 4 be crooned to oar processn>8 fodkly by 5Pk11ocal lime on any day wi be arited to you Account as of fillet day Pay+nems
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yow paynamt to Discover. PO box
your Paymerd is rattnrrad unpaid. we reserge the right to restAndi it as an cladraic debt
You .wi pay you mnirrxm payment r e grcekx mnnounl over dot: ndepl , and you can sac cry ararspakc paynrords. Cal us all 1.600.347.1663. You oil need di5 Walrnrt end.your
rxawd K k Orion. You oast eniaxe thin mortician 0 funds are
' tar your frank account, amt al uwnsacbons most cahlymy with U.S taw. You vat he asked to prowls fire fist
5d afyouraccount steturumnizpcode. By entering Owe Matters yawekrWOrricsgnakrd.youwigbeagreeing blrsauthorization loalowrusavd
yra bank to deduct emdp
you armhrue from your bark account. sod to I** d*W ora entries in your iron k i ocoumt, as apple &. to coned au error in die prooassng of such payment You must
tat the awKaaofemb paymrm, or you can soled all inerrant such as a M rtimum Payment DA or One New Name an eadh swismanl You can eemael a paymet hamever we
retie ree0laa ralie at Drat thin; b nsiew days it advartmo of Ille 9 payrnrd. You raw notify us by phafe at 1.800347.2683 or by mad of doe address fated in No previous
par qtr. ffyoxr peymerds many very ki anln eil, we will id you on eadr onlfmy, statement wfan your payment will be mode and how much it will be. YourAaarnekc payment amount
nvoy less der in lcakd on Ile nandmy stateraerd based on credits or s applied dung the bitihg cycle.
We rally nypobt idamakon about your account to oredij but anus. Late peymm dot. missal payn>erds, of other detauks an your secant may be reflected in your credit
rreport 0m$MM;endpayment istayofyour Aoooun bored'brepringagresesuuchmonN.11youbekevedletourreprtiseuecurmeOrincomplete.phrasewtte
rddraw. Dacovar, PO Box 16316, tA4lmitgym, DE 1 316, Planes knckWe your name, address, home teks"ie number and Acornt number.
FMRANCE CHARGE& Periodic Finance CFwgos ere nnxu on eN trleaedione tarn Ire date due tramecW Is posted b yml Accotrd until 14e date you pay yule mire
Balrtce, by malaag peyatrms or
race v ng nxedtls, fioaever, it you Ilia Nays Balence rl you previous birg smlemanl by due Payment Due Dale shown an this[ statement, and
you One New Sa Sam by Be Pef eri Dw Dada on you wrest Is slalenpand we will not knpose Periodic Flounce Charges err new pudhases, drat is. purchases %I appearing
Off Burred ilk toolo 1. We call dins the grace period. OMiami you ws receve a bilk Morning nex(nonth that induces Periodic Finance Charges on those new purchases. here
is gno Wrap err balance vanahxs at cash advances,
we yaurirrsadronsawutpwpsof purduus,ceshnOvmhcce,edI
e birgperad we compute balrehoi amid Periodic Finance Charges
Paul Finance (7iargms for reach as Marmon categcsy!Ae op Dally B
s ry on your billing slalimme l for those wrou ts.) Then we add up M
Ac . The Aveiage Duty fl dance is shown as zero 9, because o[ the f
we draAvcngo Daih Burr s a lkvdaleng nbw oa:cu a apt medhxf o
bale for each hrns;rawr calag y by stilling up ad tine dally balunas
cum dot da daily balance for much Unisndrrr ca[egcry w eadr day by 1
and irradic, Females CfergesawrMdrtMwprevious dayrsdaily, Marx
., ay an that day. by ralcolo" rue dry balance for em tint day of On
came y on the last day of you protects bnPug pwiud If a fansacan ell
ing red an Val I W day of sir billing period it which m fs posted to yo
Alf Awrxc are added to the s adard plural ban
lipp! ?e dais rd on category and Balance Transfer Trams
a sp#Wballence trander rase expires, we move [he unpaid balance of th
feral category. However. d the special rote has been tamvnated we
act Free Finance Charges in the applcado kmsacton category un l th
Fors DD (Telecommunkatioiu Device forthe Deaf) assistance, plan
forms benafars and than hedger eat the Melodious wither each glop by ter Annual Percentage Rare. for
a standad rate would be seperate groups. We ift to [hero groups as hensadan categories. At the end of
each day of the biding period for each transaction category. We use the Winning equation to compute
ors x number of days in the bdbV period x Willy Parodic Reel. (You may later to the lnace charge
Periodic Flume Charges for each trrnsodan category to get tlu toWi Periodic France Charges for your
ce period, no Periodic Fiance Chwges apply to file balarice in a Irallsacti0rt category.
iloxdairg the balance *xi which we hnpase Rands: If maira Clrwges We compute die Average Dart'
a bigg period furs a baauardirh calogary and okvKfiag the bled by the number of days n the bating cyds_ 'Be
adding Its lolirwg to the previous day's daily balance: hensacbons made Mad day, fees charged N a dry
and by then sublimating any credits and peymeds dud ado applied against the balance of the iransactoi
ding period. we consider due'prevaus day's balace' W have been your dance fr each Uarlsedio n
sled to your Account after the dose of dot billing period in whidr t acres, we will beat the hansadion as Iwv.
elion category with the exception of Cash Advance Traraddinn Fax Fiimnce Ctiarges which am added to the
idol Fee Finances Chagas which are added to the applicable balance bander bansadan category, when
balance transfer and Ave Balance Tan der Transaction fee Fv?tinoe Charges to the standard purchase
r The De" Rarer Plan, we leave tie limited balance of Are balance transfer and the 0Wawk Transfer Trans-
special late wild have expired.
wit 14600.947-7449.
Ow.l siWnhrilrandAornwardkieptonwradsbeMeenyouard representatives for quality assurance purposes.
The lllisca sr'' card is issued by Discover Banc, Member FDIC.
OITBK170
DISCOVER E ttpays r° Account PATRICIA
?? Account number ending in 9400
Introducing the Redesigned Discovero App.
A 4.5-star rating on Apple's lTunes Store with rave reviews calling it
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Get the free Discover App - Text "APP" to DISCOV (347268)-
Or visit Discovercom/GetApp on your mobile device.
(02012 Discurer bank Member MC 'Orwfime ordy mrssage, Mig & dale tales may
Closing Date. December 2, 2008 page 2 of 2
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finance Charge Summary
(Promotion: 1.90% APR on al purchases made through 04/30/09. Promotional Rate valid through May 2009 statement.
$578334
Average
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily
8glances Periodic
Rafas PERCENTAGE
RATES PERCENTAGE
RATES FINAh1CE FINANCE
_ CHARGES QJOGES
jurrent billing period: 30 days
urcbases $0 0.03764% 13,74% V 13.74% $0 $0
ramotiomlAPR $128.79 0.00521% 1.90% F 1.90% $0.20 $0
h Advances $0 0.06299% 22.99% F 22.99% $0 $0
dance Transfers $5053.74 0.00545% 1,99% F 1.99% $8.25 $0
11he fates Itvd mnty M vnur Ar.v,e.nV nre ultl.e. 1;---4 M -L- -, .Iscv?anvss? manage your account at uiscover.corn or
call 1-800-DISCOVER (1-800-347-2683F.
DISCOVER
New Balance Minimum Payment Due Account Number ending in 9400
$5,315.50 $107.00 Enter Amount Enclosed Below
Payment Due Date $1
Fal ruary I, 2009 please make check payable to DYscover Card or
pay online Discovercard.com.
02 SDSN6A010OW26
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
! Address, e-mail or telephone cha%al Print change in space
j above, or go to Diseover.com. Print your e-mail address to
receive important Account information and special offers.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bll in seconds
from anywhere!
PD BOX 71084 Illrssllrrsllnnalrllnlal
CHARLOTTE NC 28272-1084
If 11114 fill 111111 [111 111 lot 11
000001986458214473213053155000110000010700
Discover More Card Account Summary
Closing Date: January 2, 2009 page 1 of 2
;Account number ending in 9400 Previous Balance $5,170.10
;Payment Due Dale February 1, 2009 Payments And Credits 110.00
Minimum Payment Due $107.00 Purchases + 246.42
Credit Limit $6,000.00 Cash Advances + 0.00
Credit Available $684.00 Balance Transfers + 0.00
Cash Credit Limit $3,000.00 Finance Charges + 8.98
Cash Credit Available $684.00 New Balance $5,315.50
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bowe Opening Cashback Bonus Balance $ 0.53
New Cashback Bonus This Period + 0.61
Cashbadc Bonus Balance $ 1 14
Cashback Borws® Anniversary
Month: February
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hex. Start redeeming once you reach
Ourc,
20 Cashback Borauslit).
How Can We Help You? I Visit Diuavercom to pay your bill for no cost, view your
p latest Account information, earn and redeem rewards and more
?trs your choice • 3 ways to help 2. Cal 1.800-DISCOVER (3x7-2683) For be, easy sollssrvice
options or to speak with a Customer Service Account Manager
se have your Discover Card available. 3. Write us of Discover Cord PO Box 30943,
tF, ar TOD (assistance for hearing Impaired) see reverse side Sall Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Past
Date Daft
" ments and Credits Dec 31 Dec 31 PAYMENT THANK YOU $ 110.00
t?terehaadise/Retail Dec 4 Dec 4 GAMESTOP #4906 CARLISLE PA 95.39
Dec 13 Dec 13 GAMESTOP 63263 CARLISLE PA 100.15
Dec 20 Dec 20 GEORGES' FLOWERS CARLISLE PA 50,88
formation For You
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ottahd lefomrodoi, g Here is more ton one page to this billing slat see His beds of each page for additional important nfotmolion.
your CardmemfmAgrcementYmGardmembot Agreemerd dMrehams ofyouhaaaN.
t at stolen cards. Report iormelieldy!Call 1-M-341.2663.
ng Rights Seminary. In Case d Elfors a OnstrorsAbont Your Rig,
tram sheaf or p lw of Recover. POP= 3D421, Sell mete C1g UT yyoouu tiht your MY is wrong, or it you owed more adormaion about a transaction an your lid. wrote to us on a
130.0421, as scan as possilda. We must ham from you no later awn 60 days after we sort you the first hill on
h dire amt u prdAens apraered. You can telephone us, but doing so 'not pneaaK yar lights. III your leber, give us ate kilkwang information:
rn rune aW Acxncmt iumtw.
e doter amount of the suspected cow
epee the anor and ezplast. I you an, wiry you lode ace there is an II you need more idonrlstian, describe the item you are unsure abaci.
do rbt have to pay arty amant in question while we are irweslgain but you are s01 obigatal to pay the pats of you bill 9tat ore rut n question While we investigate your
Am weaMol nepo( you asd*gmlor take Anyaekon b aakBM a amount you yu eskia.
did Rule fr Credit Card Pirdrasas: N YW have a problem wait queldy of goods or services tat you purchased with a credit cad, and you how tried n good faith to correct
blarn vA h ft madnad. you may not have to pay HIS remairting I
' aunt dua an the goods or services. You haw dis prdad on only when the purchase pace was more Hula $50
ya phrchase was made in your home able or within
40 mike of yci meilrg address. (11 we own or operak the merchant, ail we marled you the advataeraerd for die goods or
res. aspuchaseaareWiMedregardless of the amotlill loaarort purchase I
Penh. Sad only your payment and the top patron of Ilhia shalainat lie arwalnim provided. De not send cash. By seeing your check as described abate,
you aulhorire us to
riamaka on you dnark to main an eleawnic hind on er from account of the inatcial flcGtrsrrn Indicated an yon drank or b.pwcess the P1YMCM as a check harisaclion.
Nnerd is processed as an aleclionic fund transfer. the transfer will be the
atrard on ihecheck When we use nlo"Non ham you check to make an akeeonic fwd tasfe
B maybe Nhdrawn fan your somut as scar) as Ilia creme dayYA ,
Mpaymerd. and you will not receive yaw cheek back J,om yaw financial insrikawn
OK-
The to of your payment nay be ddayod if you send aril aYr once or otter IN= with your paymerd, if you send the, payment to any other address or I you use an
en Otte dol the one larovifled Psyrrents raccived b proper lam tour pcacessing Nc7iy by 5PM local firm err any day will be aaddbd to your Amount as of drat day Payments
r nt om pfooesarg bcftgralee SPM bcnl enro wit he usdaeIf to Acrwud as dt he (seal day. H you have misplaced your emelupe, send Wu payment to Discover, PO Box
610 , Cad Suream. IL 60197-8103. Please allow 7?-i 0 days fo detvery. your payment is retuned unpaid. we tarsus the right to resutirm d es an elecuordc debit.
Yah pay your nnitasn payment a a Wealm amrt aver the udepl and you can sel Is) eutar ek poymerds. Cell us at 1-800.347.2683. You wit need this statement and your
accurst sdmnaton. You inrsternwe M suffbeat funds are a in n your bands aaeanl, and at uatsatlbhs mrsl campy wan U.S. law. You will be asked to provide ft first
5 ' s at you adcaad stalentod zip code. By enkrrg time markers a your sleclror? signetrue, you will be agreeing to she atificri tian to aiow us and you bank b deduct each
yoreaahonzehamyokebardsaccount,adtoinhale dehla entries to your bads account, as applicable. bcorrectaneraintheprocessing dsuch payrro You must
tee toe amount of each paymoK or you an select on amount such tie Minimum imum Paymnd Due or I ha New Balance on each Werernamt You can anal e
paylwrd, however we
inub receive Polite at leas) tree business doys in advarw d the s bid payment You may notify us by phone at 1.800.347-268.1 or by mall at ire address 616 in Ha previas
qdi 8 yoke parr er is myvay in amashL we will Intl you om each lmdhy statement When yaW payment Will the r a de and hair riudh it wd1 be. Yaw Aub ueio payment amount
may foss than indicated on go monthly stakmePl based on crock or wymanti; applied dkaing the bung cydo.
Cre Recta ft. We may report Worrnaim dead your aocaml to bureaus. Late payments, missed paysrads. or other defaults an you aamrnt may be raWool'n you credit
Y(eno aly" dhestarts adpayrrwehistory ofyau to aedhhueporlurgagencies such monYtllyou beiivethat oarepatis Inaccurate of incarhptete,please-milo
us a the fcNowwg a" ass Decoy. PO Oa 153 15. W*kglon, DE i •5316. Please include you now, address, home tolephons number aria Accost number.
PER FINANCE CHARGES. Patio* Fnrow l hKW ore unrposa ail all tared ms hart to data the taraacion Is pooled to you Account until ft date you pay your entire
New by making paymrds Of mitring setts. I bwever, if you id the New Balance on your previars biing slaftien(by the Payment Duo Dole shown on that statement, and
YOU Y Now Babrow by Cre Psymew Due Doe an your arrant Wall statement . we will not itlpaee Periodic Fmrwe Charges on new purchases, the is, pure asas first appewng
W aaeMSlakmenc Vile cal Ids the 91WO Period.0lhawise, You w raceme a Wing slatemed r eel month Ural includes Priodo Finance Charges at Dose now purchases t thane
is no prad on balance tran*m a msli advances, ,
Was yow Wwasciors into groups of padions, ash advances, ad
purchases subjeef b a pr ar adoral Hale and purchases vA*d
lath AV paled, we compute balrees and Periodic Finance Charges
Pet Fiance Chrgl s fa each lamination ca igoryr Average Daily 8
on your biting sfefenrnt for Irse mhwnts) Than we add up i
,,The Average Daily Batarce is shown as zero It., because of gee!
Yreri tmAvropDadyUahenor(WAV1ewbunsadycrs)IPebW4
b each transaaohh alegari by adding up all UW daffy botanical
lm day bMance for each suomelan rnfegay u) each day by
xd Ferret'hrgesaoauedantispmvrnusdeisdailybalso
WNW day In calatatihp the" balance, W Pis Ikst day of nth
an IJr ini deyof ywa pavan burg pataJ If a frswhlan is
ng lied am lea Brat day of In bang period in which I Is posted to yo
AM It chorgodlo sec we added try, slid and ce Trahasa tar
narsecim category, and Balance Transfer iron
a hate expites, we move the unpaid bala10e of th
aakgaryt Hai evaf. if the special rate bur been terminated an
era Fee Fnane Cfmges n die applicable tansadon alegoyr urMl 0
For T?W (ieiecommunbcafiawDevtcefortheDeaQassistance, ploat
its may martou asAU sooad Ideptwrie Halls between you and Ois
T1r iscovef ad is issued by Drscuvr Bank, Member FDIC.
181101 tratudera ad gun tafhersut die Iminsaclons within each group by Ihetr AahtrJ Perceldage Role. for
a standard tale wadd be separate groups. Ale rater so these groups as kansfldon ategori At the end of
each day of the billing period for each transaction categoy. We use Ire foimtng equation to cenhpub
noo x somber of days in the billng pooed x OWy Padolic Rata (You may refer to the fnarice charge
Periodic Falance Charges Ion elicit transaction category to get the total Periodic fine ce tgargas for you
ce peed, no Periodic Fina¢a Changes apply to the balance in a 7msadim category.
rdadaleylieLAiinceupon Much weunpc"P ioda;Finmica AwIF Wat»ngs:6IheAvmag0D4Y1y
a brsag period kx a transaction category and duvking ilia Ual by His riomlan of days in Pie tvlrg cycle. We
I adding ft ianalmg b the pe%ious day's it* balance: transaobons made dlr cry, fees charged that day
and by Pion abtacirg arty credts and poymags dead are applied aganal the balance of the transaction
dkng po ud, we cim or the'prewma day's batince'to have been yaw halonea for each tarrAdon
died to Vail Aoeaurd after the dose or Ina burg period in which it ocars, we wilted the tanswAiah as hay-
rdbn Category, with Ike areaptiat of Cash Advance liansoction Fee Finance Changes which are added to dhe
cian Fee Finances Charges which are added b the applicable balance hansfer tansecuan aNagay. When
balance transfer and the Balance Transfer Trensacbal Fee Fiance Charges b the standad purchase
rthe Defortl Rate Dan, wok leave die unpaid Wan10e of dsr Meru transfer aid the Balance Retailer Trans-
special role would have expired,
call i-/00.947.7449.
la quaky asumance purposes
OtTBK170
?} i It pays to I PATRICIA MEIXNER
DISCOVER I DISCOVER' 1 Account number ending in 9400
Woducing the Redesigned Discover App.
A 4.5-star rating an Apples Tunes Store witli rove reviews calling it
"quick", "very detailed", and "easy to use"
Easier navigation, a sleek new design and now on Wad, dtere s never
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Get the free Discover App - Text AW to DISCOV (347268)•
Or visit Discovercom/GetApp on your mobile device.
W012 Dikowr Sank. A%n%1w FDIC 'One-time 64Y musane. Abp S dabd /ate,
Closing Date, January 2, 2009 page 2 of 2
?inance Charge Summary
Promotion: 1.90% APR on all purchases made through 04/30/ 09. Promotional Rate valid through May 2009 statement.
$578334 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Q4wMqj Rates RATES RATES CHARGES CHARGES
qurrent billing period: 31 days
umhcoss $0 0.03559% 12.99% V 12.99% $0 $0
romotional APR $398.15 0.00521% 1.90% F 1.90% $0,63 $0
ash Advances s0 0.06299% 22.99% F 22.99% $0 $0
alanceTransfers $4948.74 0.005A5% 1.991% F 1.991% $8.35 $0
Tate rotes that apply to your Account are either fixed (F) or they may vary (V) as Haled above.
T QUeStiORS? Manage your account at Discover.cotn or
call 1-800-DISCOVER (1-800-347.26831.
DISCOVER
New Balance Minimum Payment Due Account Number ending in 9400
$5,252.97 $105.00 Enter Amount Enclosed Below
Payment Due Date $ 1?? 1
March 1, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.cc m.
02 S0SN6A01 000.5027
PATRICIA MEIXNER Text APP to DISCOW to receive a link to our
free mobile app and pay your bill In seconds
14 BRIARLY DR from anywhereI
CARLISLE PA 17015.7670
PO BOX 71084 ?llur?lrselluurlsliulsl
CHARLOTTE NC 28272-1084
Address,a-mail or telephone ehange€Print change in space
?r,?r??n?u[ji?wr?r[Ir?nr????ru?rr?u?[e?Ir??u?rr?r?nE)
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
00000198645821447321305252`1700107000010500
Discover More Card Account Summary
Closing Date: February 2, 2009 page I of 3
,Account number ending in 9400 Previous Balance $5,315.50
Payment Due Date March 1, 2009 Payments And Credits 107.00
Minimum Payment Due $105.00 Purchases + 35.50
Credit limit $6,000,00 Cash Advances + 0.00
CreditAvailable $747.00 Balance Transfers + 0.00
;Cash Credit limit $3,000.00 Finance Chai as + 8.97
Kash Credit Available $747.00 New BOI&ce $5,252.97
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonu a Opening Coshback Bonus Balance $ 1 14
NowCashbock Bonus This Period + 0.06
Cashb" Bonus Balance S 1.20
ICash6ack BonusS Anniversary
Month: February
How Can We Hei You?
p 1 Visit Discover com la pay your bill /ar ne ces, view your
l
t
t A
f
a
es
ccount in
ormation, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) far fast, easy selkservics
lease have your Discover Card nvai661e. colons or to speak with a Customer Service Account Manager
3. Write us of Discover Card, PO Box 30943,
for TDD (assistance for hearing Impaired) see reverse side Soft Lake Cify, UT 84130
transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Data
Payments and Credits Feb 1 Feb 1 PAYMENT THANK YOU $ 107.00
estosaards Jon 17 Jon 17 RED LOBSTER MECHANICSBURGPA 25.51
od./fNiscaWaneous Jan 2A Jan 24 IDENTITY THEFT PROTECT 800-347.3089 UT 9.99
Information For You.
Delano Transfer offsrls) for current bitting period:
Daily Periodic Rate: 0.00000%; corresponding ANNUAL PERCENTAGE RATE: 0,00%
9578334
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a{ ascover.rom/stop
N omit nos den ono page to Bis babhg stale?rwnl see Una back of each page (Ol'S M31 tnporlanl nfoonithon.
your Cmdnxnber Agreement. YourCardmaaber Agresamm -+s all the leans at yo Lit Account
for stolen cords. RepW nwnauinlely! Cal 1499347-2063.
rig MOW Summary. In Case of Elton a Otiestioos Abeut Your ea: you think your ba is wrong, or N you mead more bdwnwtion about a Gensacdorn on your bit, write to us on a
sate dwel d paper at 06con r. Po Boa 30421, Sah lake City. UT t:t1-0421, as soon as pas". We must hear born you noisier aim 60 days alien we sera yua to first bill in
If the error or prulul m appeared. You can telephoner us, but doing so NO not preserve your lights. In your legal, give us life following sJonnokon:
s neat andAmourt ramtber.
s duporana. el ha suspaded east
swbe de anor and expW, if you can, why you behave We is an a. If your need ante information, describe Oa lcm you are unsure aboa
do nol have to pay try amount in quesfiorh w4ilewe as investigating but you are slid obligated to pay tie parts o (your 4'A OW are not in questah. vfile we bwesfigate, your
Gan, we carind rupee you as dekgrrord or lake any mean to called amount you gtastim
'dal Rule for Credit Card Parchases; Nyou have a prh! rem with qudty of goods or emcees Vial you purchased wM a oath cord, and yo t have hied in toed falt to coned
sohbm iw6s this Marching. You may not have b pay he remhewtg ar ommor due as die goods or mrvirs. You liars this onha6on only whin the purchase pares was more then $50
I* purchase was made ii yore lam stale or whim 106 mles d ongoing address. (r wu own or operale the machant, or 6 we milled you His edrerdserrwt for the goods at
tes,rdpLrdresesareamvensdnegadessatfits enaxstalocaltin 4 1 purchase)
sad onyyar peymadard the tap potion of Iris stahanmht tla envelope prov dad. Do net send ash By sarr3rg your chock as desafbed above, you authorize us to
n on you diode to make an electronic bad Vsrs4ar Irene r ecconnl at die finned ratitotion indicated on yaw died or to prooaae to payment as a dw* transaction.
lrocessed as an dociTom bed transfer. tee wnekr wll fHI por de a iounl on dm check. When we use ltlbma ilm Yam yaw died to make an dearmic fund harsher,
witahaasi Gan your eccvwa as son as fie same IeY Wa ?txiittt your payment. and you will not r*oA* yaw rlreok bock from your faauidel insikdon.
=O urs payanent mtey Da detayetl tyw tstd each oar wwm a other ilsems wih your payment, Nyau aond fie paprwd b ahyother address a N you Lisa an
ie are prmtbd. Poynierits wormed n proper lam out pnxasswg faddy by 5P41 local time on any day wa be credited to your Account as a[#* day Psyntenk
at as promweIffaaMy altar 5PM local arts ail a crerMed b LvAoeo rn as of Ore next day. N you have iidwk cent you uwdopu, smal yow p"it to U&cm , Pb 6ax
d Stream ROW-6103 Please allow 7-10 Jays to dukvehy. your payaiurl is maenad unpaid, ws revere the rift to iesubmt it as an oectior6 celiac.
Y as pay yes mrlih M permed OF a greater amount over the leloph
aaxaat inform km You meet ensue tut sialuema lands are anal
5 1, 05 d Your aecoat stetemad zip code By entering time rme ribm s
par You aLtlimize flan your had account, and b Metal debil or or
led Heanoua of each payuiaM, or ymn an felled an amoad such a
rocove notice al least Pass business days in &Kmc s of the schad
pa NYOUR PWuOlts"myvery nammahLviewill left ywonead
a he less lien ndmcaad on dims naendhly stalamsnl Iesad to nails a
Cre Reporting. YYemayeeport7ohamation aWyoura ovilltoam
r it Vta romety report de M" and paynnet hslary at your Acm x
us He lolowirg address. Demmer, PO fox 15316, VtlYnngson. CE 19
PE DIC FINANCE CitARGE& Paodie Finance Owrges ore nnnpow
Bdwm,bymelangpeymedsorfocd*gdohfds l-kiwis v,ty ul
you y de N a Bdmw Iy ft Payaat Due Defeoo your anent bar
on currad 5l mrionl Wa cal tm de grace rimiod:Olhmwise. you w
a I.P.pahod on b,'ulenae Irafn*m a hash advorwea,
M: mat your tsamhsximas into groups of purchases. rash adrancss, land
e ,nix, padrases s 4au lo a promotional sole and purchases m4ed
end i M4g period, we oat" babeu and Pndodk Fmenca Charges
Poll Kk Finance Chagos fa aadn transaction tale ioryAvaage Dal B
mm "y on yawb ktgslasumedbattheseam tidsjThatweadoupI
7M Average Daay Balance is adorn as zero t, beause of the!
tg
Daly Bebmnce {iickdig maw Irunsa pre) mated c
seGpr aalpoy by J uP al hhcdaly betahces
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N catiadnag ire dally hala,ce bk Ha ors! daY of Oa
snHe cut day otyou previona lalig fwndai 11 r Giaeaciuu is
ad an the first coy d de g period n which u's posted to yo
nor, and you can set up auro
malic payrnahts. Cal us al 14)S347.21r'B3. You will need this shaemernt and your
bM n your Dahhk aocaat ad a l rramectians must cenhply will U.S law. You vol be asked to provide He fast
yotr dectraac aipnakna. You WA be Vseeasg 13 this aulhaitalion to allow us had your bank to ceded each
it entries to your bank acmuit, as applicable, to to red an error in lie processing at such payment. You must
fie l li iraum Paymunl Due or the New BrJance on each sialemor0. You can cahcef a paymaa, however we
ad payment. You may ndiy us by pYlone at 1400,747.2683 or by mail at the address listed in the previous
minlldy slaleaheM w41rn youpayment wll be male and how much tve7 be. YourAuromfic payment amwit
eymenis MOW chill the bid cycle.
bureaus. Lab payomok nissed payments. or other ddmhl i on your airnLrd may be selected it your credit
to coda nepertbhp :s{prfdas each month. It you believe that our report is irecaeate or incomplete, please wits
505316. Please include yon name, address, hone bAepfinne number adAoooM number.
on all transactions from the dare to urensottim is pasted to yaw Account umgl the data you pay your email
id Hie New Balance on your feewtne biYngaYakettentby to Paymerhl Due Bate Stahl on that Glat arrom and
slalarner i. are wit jai imprim PedMc Finance Charges al mew pashas, hof is. purchases has appealing
retie a bung slut meni next rrrrnlh that Includes Periodic France Changes on those new puch"es. The
im installs and then fatty sal the trarhsndkxw within each group by theirArnual percentage Rate. For
starched role would be seperea groups. We rater to these rsups as hansncinr rateglo ies. At the end W
ouch day of the bilbig penod bin each ba mubon category. Xnee the 1dbwm equation to compute
e x nnHer of days in the bldg period x Deily Periodic Rnle_ (You may refer to His Finance charge
niorlie Finance Charges for each transaction wlegory to gal the total Periodic Finance Chargas for your
period. no Peoiodfc Finance CJwges apply to die bdmtce in a honsadion ualegory.
wiring the 6Jance open which we nifhose Parada Fiance Charges. We aanpule the Ava logo Daly
billing persd for a butsachon category and dwking the total by ft nunher of days in Ha blbg c-A We
diA g he falonag to to previous days daily balance: baisrsd rs made Ihet day. Less charged Hal day
d by Orin st,bbou-ing any credits and peynhents that are applied against die balance of the transaction
all femme, we consider the'piesiom day's bda)ce' to have beer, yaw bell= for each Insuxlan
sl to you Accowa star ha close of Hie billing pertod'n which H occurs, we will beat the oansadan as hay-
AI Aceeunt are added W Una ceded purchase b calsgay wlh de et aft on nt Cadh Advance Transaction Fee Finance Charges vciich are added to the
armsactiah calagay and Bdance Transfer 7ren Fie Finances Chagas Mich are added to the apdtimble balance transfer Iensectm calegay. When
for Trant"cbon Fee Faw,r:x Charges to the standard purchase
paid balance of der bala ore uansrer ad ilia Balance Transkr Tuans•
csCAaliaantheapplehi6leGansackonauegcyurai apecalialowouddhavooxpirad.
For TW(relmomrnunicationsDevice forthenealf assistance, plc alll-BOb34y-7449.
Disc?m rmymaufixarrtBwrecord tdaphomacsbeboeenyouaid mrepeserdaaresforqua4lyassurance "Poses
,
The Obooffer-card is issued by Dnscom Back Member FDIC.
OITBK170
I 9
1
WO) 2 Discawr Bask, Member FDIC 'One-time only mwwpe. hisg 8 data roles
Closing Date: Fabruary 2, 2009 page 2 of 3
DISCOVER I' pays to PATRICIAMEWNER
LJ •+"?+ -mcwy
Account number ending in 9400
Introducing the Redesigned Discover App.
A 4.5-star rating on Apples iTunes Store with rove reviews calling if
"quick", "very detailed", and "easy to use"
Easier navigation, a sleek new design and now on Wad, there s never
been a better lime to download our app!
Get the free Discover App - Text "APP" to DISCOV (3472681'
Or visit Discover.com/GetApp on your mobile device.
Finance Charge Summary
Promotion: 1.90% APR on all purchases made through 04/30/09. Promotional Rafe valid through May 2009 statement.
$578334
Average
Dally Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fes
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
i ak am Rates RATES RATES CHARGES URGES
Osreof billing period: 31 days
Ourchases $3.22 0.03559% 12.99% V 12.99% $0.03 $0
I?amofionol $A76.1A 0.00521% 1.90% F 1.90% $0.75 $0
ash Advances $0 0.06299% 22.99% F 22-99% $0 $0
glance Transfers $4850.75 0.00545% 1.99% F 1.99% $8.19 50
'i[he roles that apply to your Account are either fixed (F) or they may vary M as noted above.
questions? Manage your account at Discover.com or
call i-80MSCOVER (1-800-347-2683).
New Balance I Minimum Payment Due
DISCOVER 55,218.06 $105.00
Payment Due Dote
April 1,1009
o2 SDSN&ko1 DD=2e
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
Please make check payable to Discover Card or
pay online 0 Dlscovercard_com.
Text APP to DISCOV" to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 Illnr(Inalluurlsllsrlrl
CHARLOTTE NC 2827Z-1084
Address, ornall or telephone change; Print change in space Irrlrllnlur{rl{nslrrlr{nr{I{lurlululnl{ulu{nlrlu{{
above, or go b Discover.com. Print your e-mail address to
receive important Account inlormation and special offers.
000001986458214473213052180600],1000003,0500
Discover More Card Account Summary
Closing Date: March 2, 2009 page I of 3
Account number ending in 9400 Previous' Balance $5,252.97
Payment Due Date April 1 2009 Payments And Credits 110.00
Minimum Payment Due $105.00 Purchases + 66.99
Credit Limit $6,000.00 Cash Advances + 0.00
Credit Available $781.00 Balance Transfers + 0,00
Cash Credit Limit $ 3,000.00 Finance Charges + 8.10
Cash CredttAvoilable $781.00 New Balance m 5,21 B.O6
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashla xk Banuse Opening Cosh6ock Bonus Balance $ 01.20
.14
New Cashback Boras This Period
Cashback Bomni§ Anniversary
Month: February
{ 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
Cashback Bonus Balance S 1.34
I Visit Disc~.com to pay your bill for no cost, view your
latest Account information, earn and redeem rewards and more
2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guaranies, Use your Discover Card with confidence.
Trans. Post
Dote Dale
Payments and cmdis Mar 1 Mar 1 PAYMENT THANK YOU $ 110.00
01her/Miscellaneous Feb 24 Feb 24 IDENTITY THEFT PROTECT 800.347.3089 U7 9.99
Servicos Feb 17 Feb 17 AAA CENTRAL PENN R LANCASTER PA 57.00
(Information For You
* *ATTENTION* * The day of the month that your payment is due will be changing. Your now Payment Due Dote will be
printed at the top of the remittance coupon on the statement you receive for yaw billing period that ends after May 1 2009
Your Paymerd Due Date will continue to be at least 25 days from the Closing Date shown on the billing statement.
9578334
Impel ," Informa0en. 0 there is more than one peps to Nis bull stafammi use the bade d each page for additional kponant Information. o
Seeyl owCwdm&n%berApreemeHLYaaCardmemborJgreamentcarthons it* Works of ym Account
Lost ? etoka cards. Report iamedmtelyl Call 1800.317-2583, o
fRghh Summary. In Case of Carwa or Ou isliions Abell YourEd: If lirdd your bR is wrong. or P you need more information abed a Imnsadion on yocr W L wilts to us on a o
,upm do sleddpaper atDiscover. POBox30421,SallLuke City,UT841 21, as soon aspossible. Wemust bear from younolater Ilion SOdays after wesewyoullielist bidW °o
the aura as piolilm appealed. You can ldcphone es, butddng so viA preserve ymr rigtrts In you letter, give us the Wowing infamalion:
You Inarm and A=mW mmiiet.
m
The dollar amount of the suspected error
Das ae Ilia eaar axi explrwr, if you can. wb'y you believe Owa is an error. you need more informati no. deacons lra Hero you me unsure about.
You no have to pay any amount in question YAfile we era irwssfgslue huh pou are sM obligated to pay the paged yew nil list are rot in quss iar Mew, itweslgote your
questi on. we easel report you as daMmquad or Inks any acfon to collect in nount you question.
Spec Rule for Crodh Card Purchases. If you have a problem w1 h the of goods or smites Thal you purchased with a aedil card, and you here b iced in good tacit to con ad
the In_ vrlth the morddwint, you nay not have In pay In rmasaing anscu due on die goods or services. You Imve dis protection oriy wfi nn the purchase price was mom dhoti $50
and pfr was made in year home stile or wtdun 100 Was of yap ackkass. (five on or operate ithe merdhem, or f we mailed you lm adverbsemenf for de goods a
aN purdwsw are covered megengeus of Oc antaat or
bceUOn d
se.f
Pays rW. Send onyyoar paycrmara and One lop pdw&n of his slelemenl b ethvelnpe provided Do ml sand earth. By sandng your d" as destiilned slitwe, you suAlmriaa us to
use as van died b motes an decranic had aasbr hen yms at the hhasdal hrliuian indicated on War dmek a to,noons Ilia paynanf as a dick ftisadon.
If is processed as in idedrork fund transfer. the lender uil bur for ended on the ddie& When we use Wormefun nom your ddack to stake an oinc&wiir fund honUa,
funds nay be sifdmwn ban yaw ocaamt es sern as the same day wit ices you payrra and you will not recoils your deck bads from your 4aruiru in"win
The rig of yaw paymdd may be delayed iyou astd cash owes nee or alto!erns wdh your Mahe hl it you,sand We payment to any ollm adkissF a iryou me an
erne dixr than ft one plaided Paphidds rocaivm In proper font of processing hefty by 5PM focal time on any day vtil he aed led to yap AcmuK as of Uiat day Payrnenls
ronei at our pro oesssg ha6ty, filer PM bad ins ail be ae filed fo you as of he red day. .you has nispieced you env* ,)e. fdMxt your t10ylnUl to Ihsaaat. NO txx
0103, ad Stream. IL 00197.6103. Please alloar 7-10 days brdaWegq O payment is retuned unpaid, we reserve the light to raliubmil i as an efedromc doW
You pay you remain m payntara or o greater amount over the lelaphone you can sot up oulonmb paymenfs. Cal us at 1800-317-2683. You will need this statement and ymif
bunk a sob motion. You must enure dal stfidW haalsare awn" your bank aceaprK end of tensadiarn mast.ocn lyvAh U S. law. You -rig be asked to ptuvide ua Gal
5
did, of you account daerrhant ripdx dv. By ontedrg those cambers as electronic s pmaksa, you will be agreeing In this auMriralat to slew us and ymm bank to deduct each
pays ymaiidhuvahomyorbatkacmrhLaWiDks'Ualedebitoraedt 'astoyour bank awoua,asapplcrel>fe.to asreama:ormluepiocesaingof such payment Younsum
fog us emit of each payment, or you can select an ar m is such as I um Pa"e t Due or la New Balanmon each dabmard. You can cancel a pt}aaara. Ilrnvevem we
must r otirg d least clines be9nea5 days n arMerrce d fug ednedrded iert You may rcHy Va by phone al 1 BDQ 3d7 2ii83 or by nail el I c oddness EsMd in the prev oils
pa . f yes payments nay way in amount, we wit tell you on each statement when your paymentwdl be mode slid hav mudm h will be. Yew Audanivic PHrilemt amour
m'ty foss ben irficalisd an On no" shfernent based on amts or applied diring the bdbg cycle.
Cie Reporting. Yye rrray report Inlanwtlali aMxA you aid b aedil eats. Lots paymanls, ntisaad peymi other defehdLS ari your ecoourhl may bur Iellacied in your credit
report We namely report the sleasard payment hlebrry d y=Aoaara b ecYI reporiblf agamaas each nxnlh. 0 you believe Owf oa repel is hoccoale a im, jaaW, please write
as of loll aMtp scid ess: Discover. PO Box 15316. VAnartgton. DIF 10850 16. Please iiiduuds ymlr name, address, home toleplnaa number "Account member.
PERT C FINANCE CHARGES. Periodic Finance Charges are Imposed all Uawndioh>s from the date the immul clion is posted b your Account unlf lie date you pay your entire
New by mekhig peyrranla or roo*6 g ao ds. flowaver, if you paid New Balance on your Previous tit rig sma ism by On Poymed Due Dole shoa+n on that stacmem, and
you the NewBol no s try lne Pepr ont Dim Rae an your wrraw Wiling sad we wall dal impose Petadc rinsnoe Charges on nrw pudmser, I m! is. purdwses list oppearitg
on One art WaleneM. We cal this lm grace fariod. Dlherwiss, you will e a lift slalemerd next iwli fltet Includes Pet lock Frmrfce Charges on those new pure dam. There
We. yvuharsarxolsiibgralpadpurdmses,mslcedvarhces,end eons.ersarydOmenfuMersaltlaolransacWmswiOdnactgroupbyOrerAm ialPacenlegeRate-Fol
era pudnases erttrjec! b a pmmolonhal mfe and pmurUmsea sntyea b cterdad refs vcakl hx sepomN groups. We teMr to these grays as transaction categoras. At tw and of
seen
h'er' period, we befaraws and Paiodie Frame! Charpa far dayd Ina burg period f« eedp trapaactiodn cele"y We use the loW ng equaaon b compute
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ThuAveratp l7oily Belalrca a sh yxrh as echo 0, beaxse d the g pedal. Imo Parhhdhe i arhce Charges appy to the bolmhce In a lnusactioncite"
W? u dwAaau3e Ll sly BOtawa prr iltxlxig rhyw Uansa lions! aieluci d llilrng lire bxanca hyKnwlh A via mipasa Pemrhe Fwace Clmrger We taipre His kiinue My
Baler ter earth ralagoy by adchug r{n el Ore dilly balances In filUng perod for o banSrcUOn calaydry and &rdssg the IM fy the nunulsr of days n the hillirig eyes. We
oacpu l e dsiy bale lien ter eadu trrfsacton alhgarY on each dry by h g lw fd ar rg b da prevmrrs day's daily bolarice: hansations made ll a day, has charysd pat day
aid P Fmarpca Chagas accrued an to preriaus dayi dale nelorlCe; by Own s„bhel?rn any credits end payments the lips applied agsinl the f- bbalance of the frensactian
co ailhMdiaylncaloAatalplhedeiylpalerekrtneGstdeydlne porktd,wecorrWwth*pmiandays balaxtibhave been your luftwforsuch tdmisacUal
on on lta lass day dyer prevphus halting pried f e Innsatl His to yap Amodaa after the close of Iho isilig period In which l omrs, vie will treat file lansadion as hav
irg redonirefirst dryoftobiting periodinwhich al'spartedMyehr
Al lee It nit are added to lie slandard purchase h category with da exception of Cash Advahoe Trainadicn Fee Fmonce Charges which are odded to ilie
and Balance TisrWor Tra Fee Finances Charges % ich are added to the applicable balance harsfor hamadxn c tegmy. When
'
a badertc a bswlet into expires "more tine ulpe
d balance of the a= transfer and is Balawa Tmrsfer Trarmaci'm Fee Fmonce Charges to Ore slaalod pcaclhase
on colegory florvever. hide r? wW rail has been Mlrrilnated on lie OPImA Rafe Phu we lem the hu"W bdancaof lie bshmco transfer and lm &Imnce Transfer Trans
action ae Financa Cbelgm in the appkabte transachcn eaWM nali the mle waAd have expirod
r" T (Tdecommdnica16ns Davice forthe Dad) essistarce, please If I.11 8347-7M1,
Ik" ineyrmilaandlarracadkioploormcalls behvaenyouandDi Irepiesentalivesfagrraflyassnramepurposes,
The W eowr• cad is issued by Cisaw Bork, Memt*f FDIC.
OIT0K170
DISCOVER
Introducing the Redesigned Discover' App.
A 4.5-star rating on Apples iTunes Store with rave reviews calling it
-ctuick-, -very detailed-, and "easy to use"
Easier navigation, a sleek new design and now on iPad, there s never
been a better time to download our app!
Cyst the free Discover App - Text "APP" to DISCOV (347268)'
Or visit Discover.com/GetApp on your mobile device.
02012 fXsco+m 9an1, M-1- F.M 2.4- only -.g.. Mig 8 6 a rake
11pays I* PATRICIAMEIXNER
Account number ending in 9400
dosing Date: March 2, 2009 page 2 of 3
finance Charge Summary
Promotion: 1.90% APR on all purchases made through 04/30/09. Promotional Rafe valid through May 2009 statement.
0578334 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE HNANCE ]FINANCE
B I nc Rates RATES _ RATES CHARGES CHARGES
Trrent billing period; 28 days
ses $12.56 0.03559% 12.99% V 12.99% $0.12 $0
motional APR $516,89 0.00521% 1.90% F 1.90% $074 $0
ash Advances $o 0,06299% 22.99% F 22,99% $0 $0
lance Transfers $4750.53 0.00545% 1.99% F 1.99% $7.24 $0
T robs that apply to your Account ore either fixed tFl or they may vary M as noted above.
Questions? Manage your account at Discover.com or
call T-800-DISCOVER [1-800-347-2683).
DISCOVER
New Balance F nimurn Payment Due Account Number ending in 9400
$5,341.62 $107.00 Ender Amount Enclosed Below
Payment Due Date $
May 1, 2009 Please make check payable to Discover Card or
pay online 0 Dlscovercord.com.
02 SDSN6A01 0005029
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
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 speclal offers.
TextAPP to DISCOV• to receive a fink to our
free mobile app and pay your bill In seconds
from anywhere!
PO BOX 71084 111 11 lilt 111111111
CHARLOTTE NC 28272-1084
l?rl,llnrlnrrIIIli IIII 11111111111,1r111lrif Irllrr(rri?rl?l?rll
000001986458214473213053416200110000010700
Discover More Card Account Summary
Closing Date: April 2, 2009
Account number ending In
j Payment Due Hate
Minimum Payment Due
Credit Limit
Credif Available
Cash Credit Ling
Cash Credit Available
Cashback Bonuse
j Casl+back Bonus0 Anniversary
Mordh: February
Opening Cashback Bonus Balance $ 1.34
New Cashback Bonus This Period + 0.53
Cashbock Bonus Balance $ 1.87
How Can We Hel You? I Visit Discover com to pay your bit for no cast, view
p latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call I.8MDISCOVER (347.2683) for fast, easysel4ervice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 309.43,
For TDD (assistance for hearing impaired) see reverse side Soh take City, UT 84130
!Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence.
Trans, Past
Date Dab
Payments and Credits Apr 1 Apr 1 PAYMENT THANK YOU $ 110.00
jother/Miscepaneous Mar 24 Mar 24 IDENTITY THEFT PROTECT 800.347.3089 UT 9.99
services Mar 25 Mar 25 VERIZON 800-345.6563 TX 211.00
Mar 25 Mar 25 BIUMATRIX UTILITY FEE 800-967-9649 TX 3,50
Information For You
*ATTENTION' * The day of the month that your payment Is due will be changing. Your new Payment Due Date will be
printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1 2009
Your Payment Due Date will continue to be at least 25 days from the Closing Dato shown on the billing statement.
page 1 of 3
91400 Previous Balance $5,218.06
May 1 2009 Payments And Credits 110.00
$107.00 Purchases + 224.49
$6,000.00 Cash Advances + 0.00
$658.00 Balance Transfers + 0.00
$3,000.00 France Charges + 9.07
$658.00 New Balance $5,341.62
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
'9578334
odant kdonnatiort. V dote is more dian one page to tlus b" si
year Cardatemler Agaeement Your CardaemberAgreement a
t at stolen earda. Report ntmediii Cat 14100.347-2683.
ng Rigfds Sunumay. In Case of tutors or Ouestnns AboutYour I
sale shed of pap el at Disewa. PO Box 30421, Sat Lake City, Lf
A the era or problem appeared. You can telephone us, but doing
m ndlsa arlAcmuni mrobid.
e dater emouial the suspecred aura
arrLa the error and explain ryou can. why you taaraoe time is m
do not hew to pay any amount in question "we am in l
Am. we cannot mpoet yvnr as delta quent or talks any action to och
clal Rule for Cmdt Card Purchases: if you have a problem with
»aMein Kmlr the mmdhar t you may not have to pay the rent"
Ow Purchase was made in ytstr bums state or witlsn 100 miss of
mos. at p rchases are covered regardless d The amouni or loci
we the back of each page for additional nvpanert nfamdion.
I the terms of your Account.
ru ONA your bit is wrong, or d you need more inbrmeion about a transaction on your bit, voile to Us on a
I.0421, as soon as pessida Ili mud hear kem you no later than 60 days after resent you ills W bil on
not presarve your r9 0. in your Isom, give us The fdkWng ir vmntion:
If you mud more WomMon, describe die item you are unsure about
t you are sit obtigaled 10 pay the pans of your bit that we not in quesum While we invas&jate your
enxxmt you question.
aBy of goods or services that you purchased with a credit curl, and you have hod n good kih to colnad
nt duo on die goods or services. You Iwve this ptaouaon o dy when Ito purchase pre was mom than S50
ating address. (t we an or operate tie merchad, or I we railed you the advedsameM fa His goads or
std only your peganenl and One MP paimn of sialart in are enve" provided. Do not send rash By sending your cheek as described above, you author" us to
in of your check in make an deotmao knit berwfsr k'om AeC4hnl d Ina finendal inslikdian r"ed on your check or o process the poymet as a crock transaction.
processed as an eleckonic fund Iran* to transfer vvl fa the emaml an the cheek. When we use Wounalion trap yow check to mare an decEaniu: fund tiensfer,
wlhdromh lean yoaaemad as soon as the tetra day rsative your paymeni aid youwl a t recall" yorcheck bads ban your financial nrdtkubon,
T peoeessang of you partied maybe delayed I you sandeash, corp
en alha than the ane prorhded Paynwds aecde d in proper fa
I al err pmcasrag ktuityraAd SPAT local onto vat be credited h
61 Cad Si asm. E 60191-6103. Please allow 7-10 days for deliver
Y cmnpayyeamitinanr Lml "'am the I"I"
aocohuht ahknrhreoon. You must erwure Opel scd6aeM hats era avs
5 of your sommlak *MDPW&BywMinggosemmbers
nrad you au imme Man your bahtacahrn,and kfMab debit a k
Id S the tm4olt d earn WMK a you Can seted an aacem such
I locative hleMa at ICI Tree busikeas days in aft" of the echo
not, t you prry nunis may vary in anmml, we vet Id you on as
Ms than i nicrosdon ace rrontdy sta arawd based on aadis c
r be
hdence o other Karns with your payment, t you amhd this payment to any other address or it you use an
hispwttssingla ilyby5PMlocalWaaitanaydaywitbecredtedtoyourAccountaso1tmtday.Paymank
rAc Mars of the past day, 4 you have misptateed your envrJrrpe, send yrnhr Payment to Diawver, PO Box
3 r payment is Iduned thrpa we raw" the dghl to reaabmo it as an electronic;debt.
and you an sat lp automate payments. Call us at 14I00-347.2083. You veil road this slak nhenl and your
in your bank account, and at VeruocOaq mat comply wdh U. S. law. You tea are asked Is provide the 6161
err dethonicsignature, you KA be agreeng to ads adhodyahm to all w us AM your bank to deduct each
Milies to your bank account. as applicable. to cared an urea in the processing of such payvnax You must
i Milinn Payment Due at the New Balance on each slabmehl. You can curd a paymem hewwar via
I payment Yalu may no* us by phone at 1-900347-2683 or by nod at the address listed in ft previous
mthly, slakmed ntren ymr pepmrd Wlt be made road Ism much a cif be. Your Aulanalipayment aniit
mends applied during the biting oyeie.
G h Reporting. We may taut inlarmhon hboul your amount b tr I bureaus Late psymmils, rnissarl payments, a altor defewls on your eceowd may be rdkclcd n your credit
1. War rrrtusity copal the stirrrs and payment Ihs(ayaf your I o credit repurtkg agate es each nhordh. If you hdrave tlet our radon is i acetate or oleo h plate, please vnie
is the kdiceig addross: Drstova, PO Bux 15316, Wlkrllrglah. DE 1 5316. Please include you name, address, have ideplwne wriber and Account nuntrer.
PS MIX FRANCE CHARGES. Periodic Finance Chagas am rondos on at hafts ictons from Did data the transaction is posted Is your Account until the dam you pa more
New Balance. by making payrt# or lece ving endAa. Powwow, If aid the Now Billerica on your previous hlig slolomwi by the Payment Due Data down on that statement, and
you paythebho*Balunce by the PapaentOuts Date on your arrant slowmeni, we ant not Impose Paradle Fiance Chahgus on new purchases, I/at is, phudeses fast appearing
an W consul datemmn, We oat tics in glace period. Other Y16B, yuu receive a biting statement next nWh ghat includes Periodic Fnalee (2e
ages on lose new pudnasas. there
is /recur period err balance trarstors or cash advarnnt
M t your harsmdions rue gps of nx prduues. cash a lvanceia, balance Inwskys slid then kxther eon tle transactions wihin each grog by their Annual Percentage Pale Fa
e yde, purchases subject to a pronici and rate and padmsas to a skndard rate weld be separate groups. We refer to these grekups as bansactcon calegmies. At the end of
e Idling period. we ronnpute bdMOes and Prrio6c R.mnce for each day of Ora hung period for each slam icimr logily. We ass the fdowng equation to oanpule
pan FMWKe 01131906 for each hansazton ~y. Armage Daily lama x nrrr bor of days in to biting period x Defy Periodic Rau. (You may rota ko the knarce derge
s omyen yalr billing P-Aw rd for These anaxrs.) Than we add up Periodic Finance Charges lot each kansechan category to gel the out Pe nde Finance Charges for y-
nL The Avenge Defy Balance is down as taro if, bemse of grace period. no Periodic Fineries Charges apply to we balance in a Imnsaction category.
L're ?d+rAra:ngel)adhN>lance(avkrds(yrrewaansaGicau)me
b' oe or aaaa bansaaon calegury by adding up erg are daily bulatic
oontual ten dedy balems IN each sansa Lion categoy on much day
and F-inani Chingos atcned on the pr®vous day's dally b
ca y tin tot dray hrataiatig ten dailI balmxw lea Ora kru day d
category on tw last *of yea pevous biting palled. Us trarusadon'
ig rued on the fast day of the, filling peiod In which it is posted to
At Account ee added to the standard padhase
s kassackion category and Bdence Transfer Ti
a dbManceVander rakeexpivienice a*upaidbalameof
Us cMogay.Ilowaver.ithespaniel ialehaslimIf fiiinn and
a - Fue Finance Charges in he applicable transaction calaginy until
For TDD (Telecamhwnics ions Device for the DeA assistance, pl
O=may mortis ervM mead udepTvne cuts between you an
The or' card is issued by Discover Bank, Meatier FOfC.
afrxdadatngtlwbmaneaupun eldudhKenpo6aPcvledlr.FsenreClueyes YYuconysuteUegv?t<.gat>:sly
in
aldirgpanedoralransarlnnategmyerhddwdagthetotalbylkenunbcrddryanthebhting yckf We
frwl addirg the Idloeirhg o Ito pmvhous day's rfady bdarhce: Ueruaaons node that day, tees dhmgal tlral clay
a' end by (then etv0ae0ng a yy traces and payaraia Ma am app&d against ate balance d tlne Irrrhsad an
a b1rq period, the urns der Ihe'povious cry's balance o F4nsr been your lento nw or each ti arse them
polled p you Aocanl ahu the close o1 time bibhg paced n ndhier d access, via wit heal the rensaalen as hav-
hat an allegory with the exoelAm of Cash Advance Transaction Fee Fins nu Charges width are added o the
Khan Fee Finances Charges which are added to the appkc" balance it ai der transaction category, When
balance transfer and Ins Balance TlansferTrarlsacaah Fee Fnenco Charges to the standard purchase
vthis Default Rala PkrL we leers Ito unpaid balance of We balance bansfer and the Baldua Transfer I wris-
spe nil rate wou'A have expired,
call 1.800.341-7449.
representatives fur gkwGly assumna pugmses
0ITBK170
DISCOVER
PATRICIAMEIXNER
11 pays fo
W DISCOVER' J Account number ending in 9400
introducing the Redesigned Discover' App.
A 4.5-SMr rating on Apples Tunes Store with rave reviews calling it
"quick", "very detailed", and "easy to use
Easier navigation, a sleek new design and nOW Ott Wad, there's never
been a better time to download our appl
Get !fie free Discover App - Text `APP" to DiSCOV 1347268)' a
Or visit Discover.com/GelApp on your nsobile device.
12 oacow Bank. Member fDIC *oo.•6me only m wgc MV B. dais ra6s may appl .
Closing Dab: April 2, 2009 page 2 of 3
(Finance Charge Summary
promotion: 1.90% APR on all purchases made through 04/30/09. Promotional Rate valid through May 2009 statement.
0578334
Average Daily Nominal Transaction
ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE HNANCE
Balances Rates ^ RATES RTES- CHARGES CFf?1RGES
prrenf billing period: 31 days
rch $23.45 0.03559% 12.99% V 12.99% $0.25 $0
cd APR
R $608.50 0.00521% 1.90% F 1.90% $0.97 s0
or
ash ces $0 0. 06299% 22.99% F 22.99% $0 $0
alance Transfer $4648.82 0.00545% 1.99% F 1.99% $7.85 $0
the rates chat apply to your Account are either fixed (F) or they may vory M as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER {1-800-3A7-2683).
New Balance Minimum Payment Due
DISCOVER $40.59 $15.00
Payment Due Date
May 28, 2009
02 SDSNW1 0005030
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Ender Amount Enclosed 8e6w
Pleam make check payable to Discover Card or
pay online ® Discovercard.com.
TW APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 IllrrrlhrrlLrrrrLllrrlrl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change#Pddchange in space
ltrlnllulealn)Inrlnlrlurllllarln)nlullululnlilnll
above, or go to Discover.com. Print your e-mail address to
receive important Account inrormcdoa and special offers.
000001986458214473213000405905341620001500
Discover More Card Account Summary
Closing Dais: May 2, 2009 page 1 of 2
Account number ending in 9400 Previous Balance $5,341.62
Payment Due Date May 28, 2009 Payments And Credits 5,341.62
Minimum Payment Due $15.00 Purchases + 40.59
Credit Limit $6,000.00 Cash Advances + 0.00
Credit Available $5,959.00 Balance Transfers + 0.00
Cash Credit limit $3,000,00 Finance Charts + 0.00
Cash Credit Available $3,000.00 Now Balance $40.59
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Coshback Bonus Balance $ 1.87
New Cashback Bonus This Period + 0.07
Cash6ock Bonus Balance $ 1.94
Casinback BonusO Anniversary
Month: February
How Can We Help You?
It's your choice - 3 ways to help
Please have your Discover Card available.
For TDD (assistance for hearing impaired) see reverse side
1 Visit Discover.corn to pay your bil for no cost, view your
latest Account information, earn and redeem rewards and more
2. Coll I-800-DISCOVER 1347-2683) for fast, easy s4service
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
Sall Lake City, VT 84130
Transactions 80 Fraud Liability Guarani" Use your Discover Card with confidence.
Trans. Post
Date Date
jPayments and Credits Apr 22 Apr 22 PAYMENT THANK YOU $ -5,341.62
Merchandise/Retail Apr 15 Apr 15 AC MOORE STR X182 MECHANICSBURGPA 30.60
Other/MisceNmNout Apr 22 Apr 22 IDENTITY THEFT PROTECT 800347-3089 UT 9.99
Finance Charge Summary
)'romotion: 1.90% APR on all purchases made through 04/30/09 Promotional Rate valid through May 2009 statement
0578334 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES -. RATES CHARGES CHARGES
current billing period: 30 days
??urclwses s0 0.03559% 12.99% V 12.99% $0 $0
?romation It APR $0 0.00521% 1.90% F 1.90% $O $0
??gasshh Advances $0 0.06299% 22.99% F 22.99% $O $0
balance Transfers $0 0.00545% 1.99% F 1.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
kAwnetfon. Ii tlrre is mote than one page lothis b&0sWemen , sae the back of eadh page ior addhiaval nporIaad Information.
Sea y our Cardntember AgreeaNM. Yarn Cordmambei fteaeenl contains the tamers of yourAcco rd
Lost sbien noble. Report immedialolIrl Call 11-110-1174M.
8l RWft Sump any. to Case of Errors or Questions About Yo r Ell: It yo i Oft your bit is wrong, or it yuu need none information about a transaction or your bit, virile to us on a
sheet of paper at Disrover. PO Bmt 30421, Salt Lake City, UT 84130 1, as soar as possible. We rmrst hear home you nn later then 60 days offer we sent you the first bit of
aA' ow or ploblMaappeared. You can telephone us, but it* so will reese ve your 601s. In your letter, give us the following i don onion:
nettleandAIVWrin umber.
The aaaud of ft suspected error.
Ste error and eq lain q yarsan vAry you bdteve there k en end. you need mine infomiallon. desabe the flem you are unsule about.
You net have he pay any amain( In question while we are awesupd'ng, b are sli obligated to pay the parts of yew bill Dart are nut in question. Mile we kwestigale your
tva=Wreport youasdoln"D.atakeenyKIWto001WEre Iyapquesex
ule forCradk Cwd Pursheaes: t you have a problem with the ' of goads a services drat you purchased with arnertil card. "you have pled n good faith to txrrea
wNh the rodent. you may not have to pay ate nmeintng t dire on the good& or services. You have this proleann tidy when be purchase p? was more, than $50
chase was made in yrsar Game state a within iW miles d you address. pf we aw n a operate the metrhaa, a 1f we mailed you the advaksemenl kr the goods a
lpwrdhexsare covaredregmdassotite amoudorloradmal e.)
-Sad adyyar ltayanad and the bop por6olt dlhis slalnnatl n awabpa prtarided. Do not send rash By sarxkng your tine k as described above. you arritor3a as 10
on your diedt to make an electronic lend! Roeskx hom your rot at the finaadalinsiu ton I dicated m your check or to proses t e payrneal, as a clock Imnsacfsn.
k pmceased es an fund lraneler, Iha Uanderwlt be br amount d to uiteck, When via use infoimatori hen yar check la make tip electronic land transfer,
be wWduwe ham yauraooant as soon as the same day we yar paynienL and you w8 rid re elve you chec bade Nani yarn trnarndal nserus m.
agar piayrtieri may bar delayed tyea send ash, care
f a e11wrUeao wRn yar paynratd. uyahh send the paymerd W any diher address a t you use an
rtlher than he one psg4ded 1'ayinenly received to proper tom al pfaessini Wpllyby SPM lost h ire on airy day vii tre aadikd Ia youAcceunt as of that day Payments
t our-rocessng teeny eta SPtt kaad hmie wi he ruotfted to you ru as of tee next day. If you have mfslila ced yvxir envelope, said yor payment to Discover, PD &ue
, Skean.IL 601578103. Piense aluw 7-10 days for delivery. t payawtd is returned upaid, we raerve Inn tight to resubi M it as an electronic dealt.
y yoga in:n ea payment a a greater amount over Yoe telephone, rid you can sat up aukma6c paymeris. Cal us al 1-80D347-2683. Ynu viii r add tlis slalamerd std your
irhYou must ensue 11161 suTKbi kinds are available your bank account, and A trarsackons mull campy witn U.S. law. You wR beasked u pmrkle the first
youracoutstlemenlZF1 code.Byemittngtosenurbersas dsdroicsignature,youwAbeagreeingtoMaudfafiahonbalowusandyourbankto deducteach
ou and iza komyour bookaeceueL ad to Inidalit dept vcredR to you bank scone . as applicable, to cored an aria n tfa Processing d such payment. Ynu must
aprd of each payrnnet or you can select an amore such as the
fl?* inimwa Payrarr Due or the Now Balance on eadh statenteaL You can cancel a paymeuL however we
mind somilums makes leant tree business days in adwace of ate sduduled nem. You may madly us by phone at 11 -OD-347-2M or by mat at rite address listed In the previous
ptim ape It your peymwds wry In anoud, we will let ycu on each mordey lemerd when your paynietit w31 be mede and how much t Ail be. Your outortak payment amount may
be tan ndc" on ttte mWrilnhrdaleinad based Dtl ueft a applied during the Ming cycle.
Cre Repwft We may repod Wotratlah about your o=M to oWl Wind. Late paymo nk, messed papneift orcherdefatdts on your owahM maybe relleclad in your credit
top We n nna0y report Die states and payment history of yourAemuil its radil repodng agencies each month 11 you bsteve that our report Is inaaunale of dnconyietq pleaio write
us at kh/owhg aditw Disoovar. PO Box 15318, WNntnglon, DE 1905 316. Please include you name, sddres. dome telephone rwrrlee and Acaounl ru nfier.
Grac Period on Ptrc6uea (at twil26 days). We begin to knpow Finance Charges on all iammircris from the Transaction Dana fur Drs transxRon as shown on your
btrhg irirsi a Yansecdomis posted to your Aaautt after used of the filling period In which t occurs, fn wft area we begin to impose Poiadle Firm ice Charges on Drat
toraOrefind dayofthebikgperiod Inwhich itisppeledletyour lhLWe txxdhousto impose Periodic Finance Charges Did Doedate youpayyour endreNewBalance,
by payments or receiving credits. How". V you pad the New 896 - m your previous bi6ing statement by 9u Payment Due Date shown an dal bi6rg slalemaA and you pay
tee by o e PayneN tare Gate an your all nsnt biYtg stekmem we a8 nd Impose periodic Finance Charges on new pwirfwses, chat is, purchases list appea ing on dine
attar Ming slabraerd. We call Ilia the'grace period. There is no grace on batence transfers or cash advances.
Mi to Finance Charge. We will charge you a roinnxan FOLANCE GE of $.50 for any bI81g period n which Periodic Finance Charges of less then $.50 would otherw9se
Arm e frog r
I Fee. t your Accaai hies an amW fee. it wig be : rd each amkersay year yaw Account is open. The amount of Ex fee appears err the statement when the
fee Is The annual tea Is not icki dable uNau you trs Ew[ yvu w
W b c arse yoirAceount within 30 days of the Inafimg or dot very can at 11td stalrnreM on vii ich tie fee is
bitted. will receive lhisrefucl avers Dyou use your Card doing that per
Per Finance Charges. We sal yortramaceoms trio groups mf ptadh . , cadh advances, aid balance transfers and Ilion leather sal the harsadions vamim each gionp by
Vhelr Percentage Rate, For exaelpkl, perctrhses subject to a pro" I rate and purhhases snip I to a standard rate vwidd be sop sae groups. cave refer to mir.,c !PC ups its
categories Attie end of each baling period, we uaryrite Gal and periodic Fkhance Charges breach day of Die blitg period for each transaction raleyny. We use Dre
kul et julon to oenputs Periodic Finance Charges for each liana . calegay
(A f7anTy8aWnce}Imes(daysnpingPeriod)TimesftfPerkielc e).
(You yy raker to the Were charge summary on you billing slaIarnero for amounts.) Then vie add up the Pedotic Finance, Clxrges for each ua nsacl'on category to gel the total
Period ic Feumm Charges for you Account. The Avetage Daly Balance is as zero if, because of the grace period, no Parodic rnance Chwhges aptiy to the balim:e in a
Ax2F?by Balance (kidudasg new bahsacliaK) lrhodgd of af(rg the balance upon which we inp054 Periodic Frwnce Charges We congrrie the Average Daly
eacl bansec11orn tubgrtry byarddrg tp all Ili der y bhiarnces in
iar bilif9 Pe iod la s tran4acton category and dhidng the ttal by the twnixr otdnys in tta b16n9 period.
edredaiyrbafanceforefttransactioncategory onearlday Ii sladdngthefdbvkgto thepreviousdayrsdollybala?;areansadiavswithaTransactionDaleofdun
so an yea h7ag slatmdnt. a less ape va radfal is posted b Accoiax after the dose of the b&g period n whiich 9 occurs, in which rase Ere hansac6cn will be added
bntarioe as of as fist day of die b? rig pedod in which h ds t yourAccoaa, fees charged vial doy ad Perkhdi c Finance Charges accrued oh 11o previous day's dnsy
d by Prep subtracting agaedis and paymerds Ufal are appied g anst Die balance d fine trnsadAn imlepaly on abet day. n caltulatng the defy balance for rho fast day of
l eriod, we oonsidw the'provnus day's daily balance to have you balance fa each tramicdan cahignn7 an the Iasi day d your previous filing period.
rted ID yew Account are added to the standard Purd ow i categay with the esoopioi d Cash Advance Transaction Fee Finance Charges which are added to the
ash advance transaction category and Balance Trunshv Tr Fee Finatice Chingos which are added to Die applicable balance booster wansactwn category Own
role eugiros, we move see vapaid balance of Ile bNaspas a nd 1M Balarrce Transfer Transaction Fee Finerice Charges to Dine standard prrchaso trenaedlal catogay,
Ilhe eipedd rat tlis bean heninated aide a,e Oalehdl Rafe 6 wile leave the uhymid balance of die balance Hander and oho UaIa,roe Transfer 0arhsacdah Fee Fiwnca
tie applicable balarru transfer transaction rategoryu dl the s vile would have erptred.
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For T"(Tusecenumriat6onsDovir:efortheBeef) assistance, please 81-800-347.7449.
Discmjenarymordtremddarracord kkyfrmerails between you and representatives kit quality assurance purpmes.
The 06'cower, c:oW is Issued by Discover Bank, Member FDIC. OITUK171
Now Balance I Minimum Payment
DISCOVER $709.96 $15.00_vA
Payment Due Date
June 27, 2009
02 SDSNWI 0005031
PATRICIA MEIXNER
14 SRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Baksw
Please make check payabb to Discover Card or
pay onilne a Discwercard.cam.
Text APP to DISCOV' to receive a link to our
free anywhere and pay you bill In seconds
from PO BOX 71084 1111211
CHARLOTTE NC 28272-1084
Address,e-mail or kbphonechange@Print change in Waco (r,I,11n1u111111111ahlral{16"1toll III pill 1n141111n11
above, or go to Discover.com, Print your e-mail address to
receive important Account information and special offers.
000001986458214473213007099600040590001500
Discover More Card Account Summary
Closing Date: June 2, 2009 page 1 of 2
Account number ending in 9400 Previous Balance $40.59
Payment Due Dale June 27 2009 Payments And Credits 40.59
Minimum Payment Due $15.00 Purchases + 709.96
Credit Limit $6,000.00 Cash Advances + 0.00
CreditAvailobk $5,290.00 BalanceTrans6n + 0.00
Cash Credit limit $3,000.00 Fiwn_ca CharSes
+ 0.00
_
Cash Credit AvailaWs $3,000.00 New Balance $709.96
You may be able to avoid Periodic Finance Charges, see the
reverse side for detaib.
Cashback l$Otluse Opening Cashback Bonus Balance $ 1.94
New Cashback Bonus This Period + 174
Cashback Bonus e4aince S 3.68
Cashback BorwsO Anniversary
Month: February
How Can We Het You? 1 Visit Discover eom to pay yaw bill for no cast, view your
p l
t
t A
f
d
d
a
es
ccount in
ormation, cam an
re
eem rowards and more
It's your choice - 3 ways to help 2. Call 1.800-DISCOVER 1347.2683) for last
easy &@IFservice
,
Phase 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 Sall Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Data Date
Paymerrh and CracRts May 15 May 15 PAYMENT THANK YOU $ -40.59
Msrclraadise/ko arT May 23 May 23 WAL-MART SC 42574 CARLISLE PA 103.88
Odra/Miscekaneoes May 22 May 22 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99
Services May 6 May 6 VZWRLSS.IVRVE 1-800-922.020CA 190.00
May 28 May 28 VERIZON 800-345-6563 TX 327.22
May 28 May 28 BILLMATRIX UTILITY FEE 800-967-9649 TX 3.50
Jun 1 Jun 1 MIDWAY STORAGE CARLISLE PA 75.37
0.7.9" Charge Summary
Nominal
A age Daily ANNUAL ANNUAL Periodic
v
f Transaction
Fes
Da
j
Periodic PERCENTAGE PERCENTAGE FINANCE
Balances Roles RATES RATES _ GtlAfl ,$_- FINANCE
(3 iARGES
current billing period: 31 days
'Purchases $0 0.03627% 13.24% V 13.24% $0 $0
'Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
Balance Transfers $0 0.00545% 1.99% F 1.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary {V) as noted above.
rant k&nmd n, It Isere is more Man one page testis baling slatema
sun CardnnmherApreemeM. Your CardnwmlwAgreemonl cutdans
r sftfea cards. Raped InhuedleMJy! Cad 1•Ilaa-J17-26118.
y Rights Surontany. In Case at 1.7rors or Quesllo sAbort Yaw0tt d N
rte shed of papsrat Discover, PD am WA21, SaR Labe ay, UT 84 IN
de erne orpabl11aappearod.Youcall lslgfam eus,Wdoingsowill
Thif dollar amount of the sua}oednd era
bathe Ibsa and egAakr Nyou can, why' you be8ava dare is an errs.
You rattrsve b pay any rtrlmtnt let 4Ve&Idmt while we are imlesiga ft In
wit cannot report you as d*gwt or take arty Perot to called the
5 Rule forCrmkCard l?laclases:Ifyouhave a problem with the qu
the iom so the madanL you may not Rase to pay the am" amou
aid pndrase was made in you (tome Arta or wshin 108 miles of your m
as psudases am reread tegardless of she amount or location of p
p Its. Send only your payment adgtetopparlionofddrsWerrtenln
Dee' ail your Chi b soaks anhdedronb Fred transk lean yoa
If in processed as as elecsortc fund bander, 0e 1mntler 11.1.
iu nay be withdrawal fam your amount as soon as da same *8 1
The kocessistil of your payaried nay be delayed I you no rush oorms
ganew ttrn im om provided Psyrrwtw moBm d in ptolw formal
p'I
rev" d our psoeeysiog lecly Still5PA4 tore lire will be t2edlfd b you(
Bi0' Caral, Stream, IL W97.6103, Please agave 7-10 days brrklvary. I
tl o rmialro anu payment or a greater amount ovorga klephlor
ilbmel0a. be moat ensure amt aufkcienl Malls s o avant
Amount SLAs anl7Reak.Byenterigthoseaumbias
aul hodre iam yaw lurk artount. and to Iiltdahdetill or led
[all and
mokeatlead date bskwss days in schimem of 1Ie schedull
bay in amou t. we will fel you on each month
dicated on the errtNy saanmrt hosed an credits a psyme
ft We stair repatitienaaerh about you alYmlyd to credit
repo lye normally report she stake and payment history of yam Account I
us al fdbvmg addmss. Discover PO Box 16316. Wilmington, DE 1985
Grac Period on Purckaset (at West 25 days). We begin to Ingests Pak
bliall aatamet. wtsssa Yaasaioh I6 posed In your Aoceunl after die ci
itfrom she lest day of to Udall period in whicit it Is poured to you
by paypaols arreaching craft Nowervor, 8you load ga Now lid
to Betake by the Palayem Due Dare an your cu ent hiring etatemoa
ouran t billing slatemidt YSe wM this to *grow totaled: There is no grim 1
Finance Charge. We will chase you a minimum FINANCE CNI
insed
be 1
see 811 back at Sarin page for add0onal le"Wni inkamabon. U)
I the iertns of yourAcoounl. to
m
think yea bill Is wrong. or T you need mere information about a kansadion on your NL write to us on a 0
o
1421. as soon as possible. We must hear lima you no lamr than 60 days after we sent you ere krsl bit on °o
e preserve your rights. In you letter. give us doe knowing Information:
r,h
you need rare ioarnlaaon, describe the hem you are unsure about `r
ou are sib obligated to pay the parts of your [A fit are not in question. NBtile we invirstigate, your
of goods or whims that you (nrdesod wkh a credit cad and you have tried n geed lath to correct
to on the goods or servioes. You boo his pmlodbm any when Rw purchase price was more than 5511
g address. (d we olve or operate the madianl, or d we mailed you the sdvarhenhht for dw goods or
envelope provided. Do not send calls. By swdrg you dick as dosed bad above, you authorize rs to
el the famrviai nell Lion Indicated on your check or a process ire payrmel as a clack wine ation.
arrantt at ft creck. When we use intonation fain you chock to make an dactronic fund transfer,
you p iynxrx. mad you wil not receive you died back holm your krancial tnsfihaian.
Am of other lama with your payrrKn6lf you send the payment b an other address or t You use all
processing facility by 5PM scar lima on any day vAl be cmdiled to your Account as 6 cat day. Parr, nos
Aomunt as of to neat day, It you have misplaced your enwetoyhe, sad your payment to Discover. PO Box
payment Is returned unpaid, we rmerve the do to resubmit it as an ekxhatic ubbil.
said you can set up titearetic payments Call us at 1-800-347-.M3. You will few ohs stalemmt and gar
to yaw bank account, said d transactions must campy wili U.S Lew. You will be asked to provide am first
wrdecl aic sgnukrre, you will be agreeing to Ihis authotuuian to slow us and your bat: to deduct each
tables to yaw bank account as appkabk, to cared an error in the processing of such payment. lbu mist
iklnmrt Paymed Due or the New Bakmnce at each staterrnant, You can cancel a payment. Iwvaver we
payment. You may nolfy, us by phone d I•BM,14T-2683 or by mad a the address listed In the previous
Mailman t when your paistem will be made end low much itwill be. Your atmmuic payma>t amount may
s appled during the bffing cycle.
Bonus. Late payments, missed payments, ordher detaills on your account may be selected in your umedil
credit reporting ngendos each nanth. lyou believe ling ow oc:pml6, inaccurate, or In uuplow, Please wike
5316, Please include your name, address, lama Ideplane mrntbar andAccount number.
c Finance Chagas on all transactions from the Ttarisacion Daft fa the 0anserfti as shaven on you
e of the baling period in which t omits, in which case wo begin to impose Periodic Flamm Charges on that
mcou>t. YM canine to Impose Pario le Fiance Ckargea unll the date you pay your a ire New Morse,
ce on your previous Wing statement by the Paymard Due Dab shown on that tilktg SWlerner t ace you pay
wit wi not Impose Periodic Fhvm Charges oil new lxirchasea, list is permhxses fast appe ling on ilia
dad on balance transfers or cash edvamem
a of S.o for any IilBtg pmiod in which Periodic Finance Charges of Ills than $.50 would olhemse
Mot Fee. If your Account has an annual fee. it will be bled at t e alracJt annnevu ry year yourAawu>t Is open. The anoud of the lee appears an the statement when the
lee le The austral be is not role dable unless you realty us LI you 10 Ilse )ourAccount within 30 days of the mating or ddraery date of the statement on wildi she toe is
M You wi mtive Its rotund aver Wyatt use your Card doing Sal '
Fannies Changes. Yk sal you transactions Ho gauge of pia sea, CB?h adwaitem and balance transfais and then baiter sort Ito kanswAnns win in earh group by
peswwtage Raw. For Sonia, purchases subject b a Pr • I rate and pint ases subject to a swidad rate would be beluuale groups. We rail to Chase groups d<.
®Iegedes.At Ia end d earth bllisg period wit oonpele hill s ad Pedodic Finance Charges V each day of The biting pedal for each transadbi categoryWe use the
rakott b compote Periods Fbtance Carges Iu each Nana
l calow..
an Balance) limes (days h billing petbd) tines (Daly Periodic le).
w b the Trwoce charge storm ry on your blling statement Ise emnunls.) Then we add up t e periode Finace Charges for each kansaclion category b get toe 101111
Changes for your Am". The Average Daly Balxnoe is
Fkonm as zero 7, because of the go ace rented. no Periodic Finance Charges apply to the halanee in a
Vk uin- leAVaagaDalyOdom @xoditgnewkansadios)method c
Sells breads11amaafathalegoryhyoddingrpalfhedaiybalancas
tNo tledakybahrts:efor eedhhnsahd'wncafSguryrneadtday
day Gann on your piing oaswntad, unless the baosacton Is passel t
loft ybomasofftkeydayoftobitingperiodtowhtdikispoi
ba a . ad by Iwo surbhsckg aryoedts and payments Ord are apple
she paned, suecoasteder tla'previo s days day balaae'b have t
At dagN b yarAcomet ate added to Iha sWWW purdahs rran
cashadwnoe transaction category and Buku ce Tra sler Tram
use raw c ipiex,weawe lea mnpad box" of the balance near
h 4 V do special core has been terminated under the Defauk Rain 5
C le she 11ppSCalle balanhee bale 1tr Irateatl en raagory unt8 the s
For TOD f fdecomraunkataas Device for the 004 Sandstones, Pleas
cular khg the balance upon which we impose Periodic Frwoe CIiarges. We oampub to Average Daly
a billing period tor a transaction category and dividing the Iola by the nvaber of days in the bdlg period.
l list adding the totowkng to 011 prnviors day's daffy hadence: uunsaclirs will a Transac§at Date of dal
rowAMOW after the dose of to W" period in which x occurs, in which arse the transaction wI be added
d to your Account, foes dmrgud M day and Periodic Finance Charges accrued al die previous dams dairy
against the balm of the b risaehon caagoryon that day. In calculating to daily balance for the list day of
on gain baahoe for each uanesclion colegay on she last day of yon previous liyrig period.
*m calagayr with the exception of Cash Advance TraasxUmn Fee Finance Charges which are added to Ile
cion Fee Flharce Charges which arc added to the appicable balance uansk7bahsaruon category. When
r and the Balance Transfer Tmrsactm Fee Finance Charges he to standard purchase transaction category.
71m, vie leave the unpaid balance of the thalax a transler and ex Mauce Trans'" Transaction Fee France
tidal rata would have expired.
cad 1404347.7449.
Disco Sony molar ardror recoad ldeg mte CON behilM you and 0' w tepresen awes far quality su suraxoe purposes.
TheDocawer''card isissued byDtuuvaBank, bier FDIC OITSK171
New Balance Minimum Payment
DISCOVER $1,244.93 x$27.00
Payment Due bate
July 28, 2009
02 SDSN6AOt 0005032
PATRICIA HEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
Please make check payable to Discover Card or
pay online 0 Discovsrcard.com.
Text APP to DISCOV' to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
PO BOX 71084 l?lusllrullresnlsiinlsi
CHARLOTTE NC 28272-1084
Address, emailortelephone change? Print change inspace
Irr(rl(nl?ulillnrlrilrlui(?lln?(rilu(ullnlsrlu?rlul)
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458214473213012449300050i3U0002700
Discover More Card Account Summary
Closing Date: July 2, 2009 page 1 of 2
Account number ending in 9400 Previous Balance ,$709.96
Payment Due Date July 28, 2009 Payments And Credits 50.00
Minimum Payment Due $27.00 Purchases + 573.68
Credit Limit $6,000,00 Cash Advances + 0.00
Credit Available $4,755.00 Balance Transfers + 0.00
Cash Credit Limit $3,000.00 Finance Charges + 11-29
Cash Credit Available $3,000.00 New Balance - -- ---- $1,244.93
You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
Casitbcick BonuSe
Cashback Bonus® Anniversary
Month: February Opening Cashback Bonus Balance $ 3.68
New Caslhback Bonus This Period ± 1.40
Cashback Bonus Balance $ 5.08
HOW Can We@? Y011? 1 Visit Discover.com to pay your bill for no cost, view y% rd
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
Phase have year Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us al Discover Card, PO Box 30943,
for TDD (assistance for hearing impaired) see reverse side Sub Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence,
Trans. Post
Date Date
Payments and Credits Jun 11 Jun 11 PAYMENT THANK YOU $ -50.00
Merchandise/Retail Jun 14 Jun 14 BEST BUY CO MECHANICSBURGPA 560.70
Other/Miscaftmeous Jun 10 Jun 10 WALLET PROTECTION 1 MO 888-802.9639 UT 2.99
Jun 23 Jun 23 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99
Information For You
This month, the feadured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus For
a $25 Bed Both & Beyond gift card,
Charge Summary
Nominal Transaction
Average Doily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
@4J9nce Rates ______ RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $1038.79 0.03627% 13.24% V 13.24% $11.29 $0
'Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
;Balance Transfers $O 0.00545% 1.99% F 1.99% $0 $0
'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
'-""Inbmmilli n,tiilareismoreDunarepapabthisbilfagslalemm
See y our Cardlnemb/rApreanent. Your CardmemberAgmenmrN contains
lost p stolen cads. RepM immadpNely! Cal 11-1111111-347-26M
Blfflnf? = Suerrmry. b Case of Brans or Questions AboutYm Bit H IN
sheet dpaper al0isca m, PO Bat 36421, Sall Lake Cft UT 84131
the era w prohlenn rpyexed. You can telethon us, but doing so will
7en1e and Accawht tvrahbor.
The 8fmatlt 0f ere slspmdecl eHar.
0% be Bee error and explain, gym an, why you believe Were IS an error.
Y_" V__.
we canal report you n dal Wl or lathe any action to cdfact the
3 RuktorCredit Card Pwchssesilyouharm, apoWernwith te
lte with, the inmdhan. you may not have to pay the remaining a
and purchase were made In your hone aisle or wft 100 miles al your
al ptadrases are oovaned ragadess d fx amount aloalfam d
P L Sad only you peymaN mid the lop portion of This dalmmid In
use it • Nat on your check to make an elenvonk fimd hanaler here yaw
K is piccessod as an olecW* Amid transfer, We transits will he for
funds be withdrawn ham your account as soon as the same day we r
Th
mW )e e p waiting UP your payment may be delayed Ow Ow tletlio ptovlded Payrriatts fitceivod In poop.. brat of
fee& at our processing leanly, air SRA bat tole rut be ct,dfled to ym
6103 LiroL Stresren,1111019%6f03.please afow7-10days iadafivary.Il
Yams pay year nb&mmrpe rm,miaa"teramountowtrgete{ophorw,
lash i bnrhaion You mnmst enswne tl0t auto al haxb er msaia
5 dyour account statement DPcode.B7axedrgttosenumbers as
you au0torko hen yore bar account and b inflate delml aaaA
I*I to annlltl or each paysrhmh! of YOU an select eel amount aide as the
anal ' notice al bast three busiest days in advance of the schedultee
fix . It yaw payments vary In amons, we YAP tell you ail each man"
be rhmr indicated on lM nronaNy SWUM based on cre6tt or lmyttart
Crud ReporOitg We armysepaliNonf0lorheltWlyour eccawhlSorredl
1Ne normally report the stabs and pa mmeal history of ywxAccounl b
us at bNoxig address: Discover, PO Box 15316, Winiigtat, OE 19a50
O Period on Purdusas (at tent 25 days). We ho4n to Impose Porkic
hiOng tkhlass a kaemadaa is posted to yo mAccounl after the
n trap lho"clayef the big perod in whit h N fs to your
by !M=90-1 reoeiving aeefls. HDiYmmf d you $ie Wow Ba
the Payrrrem Ova Dale on your warred bilitg sialemad
hNirg statement. We cal this tha'graou period: There Is no Witch
Minfinown Fiance Charge. We wit charge you a mhinhum MANGE C I
.
Annhr I Fe iy%Acc , has ao aimedfee. it will be bibd at to begun
Tee (t tf, Tieemeraifeeisnotmketdello undes6you riaityusthat you,
bBml xtl receive this rekmd evert fl you use your Cad during Drat pad
.=gas. We sat your transactions Into groups of prude
P Fin2-
their tHale. For ozanymb, µrcbases su*-cl to a pretrial
tam Yen categode_s. At the end of each bUrig period, we compute baba
equation bcompule Perialic Finance Charges fa each bansaci
Daly Beiance) times (days in bfing period) Was P* Perbdb
(You War So tte finance chase saannwry on your billing statement far
Dime Charges for yo rAanui. The Avenge Davy Balance Is i
Won Ave7age13aiy Balance (rndhr fug stew Irensaclons)metod of c
Fla faeadalrxsadioncalagery blocking upalWedadybelancesin
Won fedaily thahunce loreadt k uisacllon ca" an each day by
days on you hliag sfaternaml urdess the bansacdon le posted So y
to tae habnoe as of the fist dayd the Mg period in rkNch it is poste
amnd by Omar subhacing any aedls and payments that are applied
the hlll? period, we considef tee •pmvbus days daffy balanoe'to have bee
All lee? charged to yaw Account am added to the standard ptadhose Yaw
211,1311-1,19 bash adwmr: transaction campy and Balance Transfer Trams,
the rib expies, the move teuhpakl balance of De balance teaWe
, I tospoM rate has been tamituded under tae Water We sec
Char hie applicable balance transfer transaction category Until the spe
For TOP (TelecommuMatlata Oe*e for the Oeaf) assistim ma, please
Discover may monitor earth record bkpline cads between you and Disodl
The Mcoverv' ad is issued by Disrova Bank, Member FDIC.
see the bath of each page braddbaulimportant information. o
I the tanns of your Account. rri
z
m
a
think your bill is wrong, or if you need mom information about a Dar allum on you bird, while to us on a $
X21, as scat as(ossthle. We nxst hear tram you no We than 80 days after we sent you Hie first bill at o
N preserve your rights. In your letter. give cs to loltoaing irdmim":
N
you need mate ndormaha, describe the hem you are unsure about.
ou are still obtig sled to pay the pmts of your bill that are mil In question. While we kmresdgare your
noun) you question.
y of goods or services anal you purchased with a cedl card, and you have tried in good faith to corrcvA
due on the goods 4 services. You have this protection alywnen the purchase price was mom Nun $50
ng adaess. (H rA own or operate the muc hard, or Hwe mated you the rdverlsennem for the goods or s
a envelope provided. Do rid send rash. By sunning your deeck as described above, you arithOrim us to
mat ad the financial Institution Indicated on you deck or b process the paymaig as a ef" transaction.
is amount of the check Whmi we use information Imni your chock to make an clemork fund transfer.
m your payment, and you watt not receive yam check back ban your baemr7al i sliaAiun.
iwie or admen ilenswith your payvwk D you sand the p aymere to any otter address ur it you use an
r processing facility by"kcal Lime on any day will be credited to your MawM as of 1101 day. Payments
Vcounl as of tho next day- If you have misplaced you envelope, snvi your payment to Dlscovm, li0 eox
it payment k rehmted unpaid, we reserve 0%right to mwbml k as an eledraak debit.
rid you an set rip aubmisk payments. Cal us at 1800-347-2583. You vl0 deed this StatemaN and your
i your bank account. aid of bnsections mast comply with U.S. lam You will be asked to provide the fist
m electronic signalise. you will be apMeeig to INS autlaodzelion to allow us and your bank b dArA each
vies to your bar* attend, as appiade, to cannot an ma in to processing of snip payment. You must
liiinvsrt payment Due or the New Balance on each suam em. Your can anal a Agoaem hooever we
apiti L You may nally, uas by phone at 1-0W-347-2583 or by mal at the idtruss listed In the previous
Mans when your payntent will be made and row much 11 coil be. Your autoniatk payment amount may
applied during rie tilling CO.
Taus. Late parynlenls, missed payments, orolha deb1N13 on your SCWWL maybe reflected in your credit
hedl reporting agencies each maigh. II WD believe thal air report b inaccurate or bmrytlete, please write
315. Plasmas Ind ads yaw nano, address, home telephone m miam and Amunl number.
FirOrrae Chagmt on all transactions from De Transaction D.ite lot the Irmwadan as showwt on yam
d Ihr: biFwig period in ankh it uccure, In which case wer begia to i tile, Portals I'mance Charges on that
oouN. We Guardian w l PerWic Finance Charges unlit to date you pay your emir Nm Badmace,
0 on your previous billing StatemaN byte Payment Drs flora sham on 0siit lolling Samna and you pay
e will not Inyaote Periodic h7Rmnoc Charges on new puwdhases, Isis is. purchases first apprimi g on tae
dA on balance transfers or cash advances.
tE olS.50 for any filling perbd in which Periodic Finance Charges of ism than $.50 world otherwise
of each m tiversaryyear W Account is open, The ataounl of tte fee appears on the statement w4ma Ilse
So close yourAccou t w INP 30 days of the girdling or dallymy dale of Ole staternent on which the fee is
es, cash advances, and balance masters and than [uglier sal the Iraise pion wdlhin earth groan by
of late and purciines sul} 1 lu a Mardmd rats would ba Sap:. it, grorgr. Yys refer b (hest gnnrys as
and Perekxfrcc Finance Charges for eadh day of Die billing period for each transarion calogay. We use die
allegory.
xxrds.) Then we add tip the Periodic Finance Chseges for each transaction category loge[ Die OW
zero pit, because of the grace pelfod, no POW Finance, Charges apply b Div haance'Nh a
lat g the batanoe upon which we irpose Periodic Finance Ctxoges. We c rryxde the Average Daly
Iting period fa a transaction atmday and dividing tee total by tw number of days into bitting period,
t adding the ki kawvg but the previous day's daily balanca: trarssdions with a Tiansadion Date of that
Account after The dose or the b%V panel in which I occurs, in which case the transaction will be added
your Account, lees charged that day and Periodic F"siance Charges accrued on the previous day's daily
I the baarmca o(ft Irarsadsxa enca1ntegory on 401 day. In Mulafmg the daily balance for One fast day of
ourbataoeforeach transaction cab" on the Instdaydyourprehoushungperiod.
n cote" with the exception of Cash Advance Transaction Fee Finance Charges which are added la the
i Fee Finance Charges wihirh are added to le applicable balance Imnbiertransaction calagory. Witten
e the Balance Transfer Transaction Fee Finance Chagos to to sladardpurchase Imnsacdonabgwy.
we leawo the unpaid balance of gee balance transtm and the Balance Transfer Tnnsaclion Fee Finance
rule would have mphtd.
1.806347.7111.
quablyassumnoe pkrposas.
017SK 171
/+ p Now Balance I Minimum Payment Due Account Number ending in 9400
DISCOVER $1,221.89 $29.00 _ Enter Amount Enclosed Below
Payment Due Data $
August 28, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSNSA01 0005033
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-767D
Text APP to DISCOV' to receive a link to our
free mobile app and pay your hil In seconds
from anywhereI
PO BOX 71084 111111 111111111111111011111101
CHARLOTTE NC 28272-1084
Address, e-mail ortelephone change? Print change inspace )n(rOn?rrr(r((ni?rr(r(nr(E)(ru(u(u(u?(n(n(rr(i?nf(
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458214473213012218900050000002900
Discover More Card Account Summary
Closing Date., Augusl 2, 2009 page 1 of 2
Account number ending In 9400
Payment Due Date August 28, 2009
Minimum Payment Due $29.00
Credit Limit $6,000.00
Credit Available $4,778.00
Cash Credit Limit $3,000.00
Cash Credit Available $3,000.00
Previous Balance $1,244.93
Payments And Credits 50.00
Purchases + 12.98
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Cb m 5 + 13.98
New Balance $1,221.89
You may be able to avoid Periodic Finance Charges, see the
reverse side far details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.08
New Cashback Bonus This Period + 0.00
Cashback Bonus® Anniversary
Month: February
Cashback Bonus Balance $ 5,08
How Can We Help YOU? I Visit Discover.cem to pay year b8 for no cost, view your
p latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for (rearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Uability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Jul 26 Jul 26 PAYMENT THANK YOU $ -50.00
Othsr/Miscellaneous Jul 10 1ul 10 WALLET PROTECTION 1 MO 888.802.9639 UT 2.99
Jul 22 Jul 22 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99
Information For You
This month, the featured Cashback Bonus(R) Redemption Partner is Bad Bath & Beyond(R). Redeem $20 Cashback Bonus for
a $25 Sad Bath & Beyond gift card.
MWr Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Dolances Rgles RATES RATES CHARGES _ CHARGES
j urreN billing period: 31 days
Purchases $1244.97 0.03627% 13.24% V 13.2A% $13.98 30
Dash Advances $0 0.06299% 22.99% F 22,99% $0 $0
rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
d Cash? Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card
always help. Got cash at ATMs nationwide or have money deposited directly into your bank account. Visit
over.com/cash to fund out more,
two laformadon. If tare is more than one page te t hiss b ant eta see U* bad of each page for additional Important nfoimation -
owCardmemt6arAgraerrwd.YourCardmombaAgreefamriwrdann OnlermsofyourAvnunt,
1.800.747.1663
er stereo cards. Report ihmediNelyl Call
1 Rights Surne any: In Caseof Enure or ptesdonsAbaA You Biz: If hnk your bill is wrong, or 8 you rued mom inkmmalion about a ramsacion on your bit. wrile to us on a
de sheet of pRha at OMrover, PO Box 30621, Seat Lake Olit UTS4131 21, m soon rw possible. Wen" hear ion you no later tlwt 80 days ate we sent gnu to irst bin on
the error w problem eppowed. You can iele mm us, bulddng so YA lot presem your 4%. in you leper, giro us the fallowing, intownaion:
name and Account member,
dolor 1rmOtattl tie 915pecal stmt.
rte he era sod eooin, p you can. why you bdiew Swm h an enor. ym reed more Mama0on, desulbe Sue Hem you are unsum abed
a feat have to pay any amount Inquestlen wink! we we kNP3igating, You are still obligated to pay iw parts of your hl that ere not hi question. Ydfale we hwesli jate yc r
an, we tannd report you ail thningknanx ortake eery ar5a1 to nxnteet the mood You question
M Rule for Credit Cud Purdtues; 0 you have a pmb4m wkh Ihv d goods or services that You purchased with a credit card and you have tried it good lath to correct
Salem wNn the uereent you may rut have to pay the aaslnkg due an the goods or services. You have Its pntlecfan only when he purchase pdce was nwxe am $50
e pudese was made in yoter hope shale or %*an IOD rates cryour lig address. (If we own or operate VW mordent. or gwe invited you the advertisement fork goads or
PA pulcha es are oovened rnRoldlm of the amount or 8caton of )
P Saved a* yaw Mantel and he top portion d Ifs sla0emeht in envelenot send cash BY sewing ynudwd as descried ahuve, you aiOarize ss b
=t
use macho on your deck lomake aneaeclraic lured far Imm yew
Wor us '
U1ulion ixirated an yaw check or to process the payment as a duck transaction.
O 1 is processed as an electronic feed transfer, Sic uansfa,l
b
o amlion Irom your crock to make an electron
ic fund iranalet
M nay your payment, and you wit nor receive your check back ion your financial vskeiak.
7110 d your payrrnt may be delayed t you -j or other items with yen payment, 11 you mr d sic payment to any ether addre? a A you use an
other risen the see provided Payments received in er pmwsft Family by SPkI local dime an aye day wit be credited to ycl rAccours as of Owt day. Payments
r at our Mocass g hotly ahr"local Iwo wil be cradled Accou t as d to fast day. S you (rave misplaced yourawaknpe, semi your payment to Cleaner, PO Box
6103 Cad. Stmam, IL 60197-610.1. Please aloe 7-10 days for dal payment Is returned unto d, we reserve t e right to resubmit t as an electronic debit.
payment a a greater avows aver due Ic and you ran set up a tomak payments, Cat us at 1.8W347.2663. You wig need has statenknl aril you
ih your bank amount, and all must comply wilt U.S. taw. You wit be asked to provide Ow Fast
5 fywaoroud slalorenenl2lP Colo BY enserirg liens a etedrmk slgnavnm you wM be agmeing to the a shauafan fo stow us and your bank W deduA eadn
pa you aeutlnedte tam yew bank account, orb to Inhaledebit aIdles lo your teak accou t. as appikable. to coned an ens n tic processeg of such payme t. You must
let to rnamworaadapayinentayoucansoledanamountsud 1 wAnutoPaymentDueatheNewBalancemeachstelemenl.Youcancancelapayment:hswewrwe
must l
oeeive rmks at least tree buss ass days n ltMoce of Ore sd payment You may notify us by phone et 1200-547.2663 a by mail al the address listed N ore pre-dons
par If your part" very Inanwd,wewi0Wyouoneach statement when yourpaymaxwWbemadeandflowinuchYYAte.'rouraetoma0cpaymentamwunlmay
be
to
s than indicated on die maWdy slalemert based on credits a p
applied dung to biting cycle
Reportkep, We may, report tnrorreatlar about you acmtad ID mous. lurk payments, missed payments, a other delaatlls on your amout tray be relkled in your credit
We malty mporl ho statue ad payment ttswryof yyurAcc credit reporting agencies each month. t you believe Ihal our report Is inamtrate or ncomp late, (lease write
us al kskwig address: Disco er, PO Box 15316, W14ngton, DE 16, Pease Yvlode your name, address, team lelepiere number a d Account ramhber.
G Paled on (at 25 days. begin toimpose Finance Gorges as at IrensacOats from the Trasaaton Dale fa Ole Iansecpun as uhown axe your
ursess a aanaecinr B poaod leywAxou fisher t of the tang period in which it occurs, in which rase we begin to Impose Periodic Few sic Charges on that
n
b 6aa t e Arst day o1 he brag fariod in whih It posed t
aynwNs ormoshi g aadt
Howovrr
t you pap Oo ta nl We Minn re to irposo Periodic Finance charges u it to date you pay enfae New Delonm
on
ew
rnMaa filin
stetememt t
the Pa
ment Dhe Ditto shovm m tlhl
y
the .
p
,
wBelasabylve PaymetDueDabanyararrenlbiingsla y
p
ry
y
g
weYANraImposePetiodicfmanoaChangesonnowpurchases,tmtis.purchtsesfirstWaiingoiltle
biting statement. Yoe rat cis tw'gmce perod.' There a ne g lod an balance transfers or cash adwarhces.
n um Finance Charge. ft vat charge you a minbnun FINANCE CKf GE of $.50 for any bk g period in which Periodlo Finance Charges of less than $.50 would otherwise
be wriosed.
Annuo Fore. YyourAomual has an annual roe, it will be billed it the be of each annbemery year your Account is open. The amount of the fee appears on the statement when the
fee is Oftel. The annual lea's out td dM unions you no* us that you to close your Account wit fo 30 days of the tooling or dedwry data of to slaenenl on whidr the fee is
bbled. w'treteive this round oven I you use yaw Card during hat
=0= emce rges. YVe ant ywratnacdau iio groups d pu cesln advances, and balance Iransia s and Ivan further sort the transacOas within earth group by
Narctadage Rate. Fa exarye, purchases subject b a prou al rata and pudhASes subject to a atehxland role vxx11 he sepaa ate groups. hYr hetzr ro uhese groups
rnlegode. Al he and d oedh bNig period, we campWO bulanquand Periodic Fhance Charges for each day of fins oiling pain! for each transaction calegory. We use ha
equation to eonpse Pfxlodic Fmwnce Gearges for each hansa category:
(A Daly Balance) Ones (days In ding peded) limas (Doty Periadlc ale).
No ken charge aameary on your titiajstaDenenl Forlhase amounts.) Then we odd tip His Periodn Finance Charges for each transaction category to gel the total
Changes fa ywAccoun . The Average Daly Balance Is as zero if, because of he ynce pentad, no Periodic Fhnance Charges allilt, to the balance In a
VN uso the Amiga D alyValance (flxYulog new transactions) method
Bur Our each transaction calegory, by adding up all the dimity balance
lib to dally balance for asch transaction ®legohy on each da
day show oo your brag statement, unless lire transaction is posted
lode balance asddofist dayofhebifrogpedodinwisdhit is p,
balancle; and by ten subflecGg any crarfh and payments Owl ore app
the puked, we consider the'provious days daily batarme' to have
AN draped in yaw Amount are added to the standard wasse us
cash arhmaya Msecton category and Balance Transfor Tea
the rate ahphar, ve move the unpaid balance of he balance flat
H 7t he apes al tale has bean t:minakd under the DefauIt Rale
C n the appiceble balance twin lr101MC6on category une to
1allaling the balance upon which we impose Periodic Finance Ghagcs. We colopule ft Average DAy
a bBig period for a transaction category and dividing the tote) by dk ramtrer of days in h¢ Wing pariad.
rfrst adtirg tie MwAng to he previous day's daily balvtce: hansaciors with a Travarfan Dale of hurl
ioul Ac cunt after the close of Ore brag period in whkh t occurs, in which case the transaction will be added
d in your Accws, less charged that day and Periodic: Finance Ganges wx-,ed an the pwmn :ray's daily
age" to bWuw tithe transaction CMVM on hel day. to calculating the daily balance fa the fist day al
In you balers for each transaction cale8ory on ho last day of youraLtiimn Wing perod.
Man category with the eroepliah of Cash Advance Transaction Fehr Finance Charges with are arifed to he
dlon Fee Finance Gorges nMdde are added to to applicable butawae tender transaction category. Men
r and he Balance Traslet Transaction Fee Finance Charges to to standard purchase transaction calegcry.
Am. we leave the nepwldbatenceof the balance transfer and the Balance Transfer Transaction Fee Finance
del rate would have expired.
For TgD{rdecamrourakallonaDevice furthe0"Qatsta4nca,plea 111-800317.74411.
oisoov? maymaaier ardor record tntoplene oak between you and D' r representalvos bf quality asaumnta purl was.
The Dibomeer cad is Issued by Dlsaraa Bank. Member FDIC.
OlTBK171
New Balance Minimum Payment Due Account Number ending in 9400
DISCOVER $1,762.56 ! $35.00 -? Enter Amount Enclosed Below
Payment Due Date
September 27, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSNSA01 0005034
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Text APP to DISCOV to receive a Unk to our
tree mobile app and pay your bill in seconds
from a"erel
PO BOX 71084 IIInrIlurllsmlI rllnls?
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space (nli(I It III i(d is11111111411 1111 111111111 11111rrluA It (oil d I
above, or go to Discover.com. Prini your e-mail address to
receive important Accourd information and special offers.
000D01986458214473213017625600100000003500
Discover More Card Account Summary
Closing Dale: September 2, 2009 page 1 of 2
Account number ending in 9400 Previous Balance $1,221.89
Payment Due Date September 27, 2009 Payments And Credits 100.00
Minimum Payment Due $35.00 Purchases + 623.93
Credit limit $6,000.00 Cash Advances + 0,00
Credit Availble $4,237.00 Balance Transfers + 0.00
Cash credit Limit $3,000.00 Finance_Cbargas + 16.74
Cash Credit Available $3,000.00 New Balance $1,762.56
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance 3 5,08
New Cashback Bonus This Period + 1.52
Cashback Bonus Balance $ 6.60
Cashbacc Bonus® Since Anniversary Month
February: $5-40
How Can We Help You?
It's your choice - 3 ways to help
Please hove your Discover Card available.
For TDD (assistance for hearing impairedl we reverse side
1 Visit Discover.eom to pay your bill for no cos" view your
latest Account information, earn and redeem rewards CL more
2. Gail 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,
Solt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence
Trans, Post
Date Date
Payrnersts and Credits Aug 26 Aug 26 PAYMENT THANK YOU $ 100.00
Merchoadise/Retail Aug 8 Aug 8 WAL-MART SC #2574 CARLISLE PA 42.28
Aug 16 Aug 16 WAL-MART SC #2574 CARLISLE PA 101 15
Aug 25 Aug 25 GAMESTOP 43263 CARLISLE PA 32.84
Aug 29 Aug 29 WAL-MART SC #2574 CARLISLE PA 132.38
Other/Miscellaneous Aug 10 Aug 10 WALLET PROTECTION 1 MO 888.802-9639 UT 2.99
Aug 23 Aug 23 IDENTITY THEFT PROTECT 800.347.3089 UT 9.99
Services Aug 18 Aug 18 VERIZON 800.345-6563 TX 298.80
Aug 18 Aug 18 BILIMATRIX UTILITY FEE 800-967.9649 TX 3.50
Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Doi Periodic P
ERCNTAGE PERCENTAGE FR4MCE HNANCE
ts PE
TES CHARGES
current billing period: 31 days
Purchases $1490.46 0.03627% 13.24% V 13.24% $16.74 $0
;Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
The rotas that apply to your Account are either fixed fl or they may vary (V) as noted above.
If mere is mare owl one page b this sitting
Apreeme t. YouCardmenMtieriegroxrtlem
orslden cards. Report imered'iaWyl Cal 1.980.747-2643,
p R'Wa Supremely. in Case of Emig or DuestlauAbotiYour BN:
rate gteelof papw M 019oonr, PO Bull 30421, Salt LAM City. U18
I firssserorprchbiem app9a0d, You can "hone us, Widdog so
r iparpe andAcco u i nar>ber.
u{npemorillof the Rapected error.
coe the errs and at#*. V you can, why you believe there a an e
to as have to pay airy amount inquasdwt wide we are aaesdi aMtS
Gun, We cannot"you as dote Wt Or take any ache to CIAW
tell Rule for Credit Card Purchases: If you have a problem Waft IN
mtde, rd9h Who madrent. you may not have 10 pay the remeNieg ar
her Wastes ores ready in you horse Wale Of vvdtn 100 11111011101 M
as, aI ptrdism are covered ragardiess of ter amount or location
Mils Said only your payant and the lop portion OF Its statement
deposition on )rAr dada to make all deceorac fund transfer from W
ahem is pnaaesed as an ake9oni0 kid tiansfe6 the tmrtater will be
r may in vvitalpovw hall your aoraut as sour as the saes day we
the back of each puga for wkWunn! implicate it mWonallim.
terma o1 yawAccount.
A it" your bill is wrong, or 6 you need more Informgw about a transaction on your big, write to Us on a o
11921. as soon as posWble. We must hew hum you uw killer that 60 days oka we sera you the W ha on °o
of presatve your rights. In your taper, ghm us the following inkamation:
A
r you need more Information, describe the item you me unsure about
you are 9111 obigeiad to pay the parrs of your by that are nut in question. Where vre nves9gakn your
mount you question.
fly of goads or services clot you purchased with a rxcdll card. and you have hied in good lath to o circa
t due an the goods or services. You Won tNs probcdah only, when Via padtase price was more In in 550
ling address. Of we own or operate Mrs merchant, or t we limited you the advertisement for the goods or
led. Do not send cash. By sending your dreck as described above, you authorize us to
icfal fnelflir4wn indicated on your check or b process tie payment as a duck transaction,
:back. When the use nfommton from your check to maka on Wec"nic end Vander.
and you will not receive yaw check bah kam your financial Ir"Ifion.
The of your peyrhhad nay be delayed t you saM nssth
3 ice w other itemswiTh yew par"", it you send Ube paymerrl to arty crew address or i you use an
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61 , Gard, Susan, IL 6097-6103. Please allow T-10 days 11 dciyery. 0 r pay+pssnl is returned tlnistd, n resale the right W resubhml d as an electron; debit,
You t payyoe nartrtrn pay9twt or a gretder ernount one tea arwt you can sal up auloo nWic lraymeMS Cal us 1-8W-347-2883. You will reed th"s sUlrmreM and your
ba irdonnhalian You mrsl ensue tat shr6ciad fords are avail
ht n your beck account, and all transactions must Comply Witt U.S. law. You will be asked to lxwide Via fist
S m account statement ZIP code. By entering those rwith6as as elmd o nie sgWwo. you will be agredng to this authadzillkm to MW us W your blank to rkskra each
alaonize from your bade occomat and to kn'UWedebit a
E entries to your bank amount. as applaabW to oared an error in die processing of sudi payment. You must
k9 of each payment or you can salad an ennead sett
D~ kFrtmum Payment Due or fee New Balance on each slatemerd. You cam rapped a payment: Iwwever her
receive douse at lost Urea business; days h advance of ft payment. You may notify us by phone at 1-600 747-2683 or by mad W the address hated in the pnnious
Par .Myourpeypper"varyYnamount. wevilloll ymtenech siatemehtWien upaymertYMIbe made slid blowmuchit%Abe YDuraukamaticpsymarilmnountmay
ba s their inikalert al Ive mwhdty slaWuenl based on credits orpayn apptiuf during the bung cycle.
Coot RepnMhg We may report nkumation about your 3=11011 to dell Late payments, missed payments. or oiler defeats on ;wed accmaN may be relleded In your uxedd
report. We uornmMlr rapid ore status and paymreMl history of your Account and l reporting atondas each month. II you below thol our report is kmcuraw or in%xm p6* please ,.Wke
us 4 taw blowig address. Disovve4 PO Box 15316, Wilmington, DE t 16, Please Include your name, address, home lakgtane subtle and Account number.
ind on Purchases (d bast 25 days). We 0*11 to krhpose Perri Frnenca Charges on al rasedons from the Transaction Dale for the transaction as slum at you
emem, unless a kansAdtiaf is posted to your AccDw star Up of Ip Wing period in whkAn it occurs, in winch case we begin to hupose Pesod'c Finance Charges on that
n horn the first dayol the bArV period n which it Is poekd W Account We femlraie to Impose Periodic Fiance Charges tamp the date you pay your wiles New Wance,
payahats orreceluing craft I bwever, if you paid t a New an yaw previous bang statement by the Paymixt Due Dole shown on dal tlifmg sknferhrenl and you pay
Wallace by Una Psynnem Due Dare on you current U&MV elalen we ell not k Vm Paiodc Forma Cheges on new purchases, cal is, pirdwsa5 test appearkg el the
wq statement. We cat this is -grace period:' There is no grace r
dad on balance tarsiers or cash od arcim
Finance Charge. We will charge you a mWnai n PWANCE C"GE of S.50 ter any Nang period in vvlhidh PMlc FNarxe Charges of less than S 50 would otherwise
Annimil Foe. tyour Accomt has an annual fee, it 41 be billed at the of each mamiuersary year yc r Account is open The amount of lue lee appears at Mee slalarrcm When lire
tee billed, The need too is not relwxetta udass you nary us that you ' 10 dune yyxrAccount within 30 drys of Via nulling or delivery dale of Um slaltnwrn on wtdrh the lee is
be You will receive this refund even if you use your Card during Thal f
Par tic Finance Chagas. vile am man tea sactens into gmupa drra cash advancos, and halarce lea piers and Men krUr sort the ran v-1k:n5 Wlhn end, tpaup by
the Runic plea- age Ran. FOr-l ice iarrdhases Wituctloa pram hat rate amt purclwx-: A4Im a a standard rte wm®a sul. ,.n•. p?,p: se rbf. ¢ n ?ese ty <ry-? .c
San action ralappi s. At fie end d each filling period, we t0npute beta sad Petorte Finace Charges far each day ul the Wig period kN eadm iraf acbun cak". Ylo use the
loll equaionlocor"Perio*FrnaaruCha(gesfborox harsac category:
(Av? rap Daily Balance) firms (days in biting perod) Imes (Daly Periodic le)
.
(Y a
hnayrefer to the ItlYnCa charge Smrorrary on your Idling staMurhat f se arwhunts) Then we add up the Perkxlk F[na to Charges turn a ui transaction category to get the tail
Pei Fbanea Charges for your ACrx tee. The Average Orly Balance is
. as zeru U. because of the grace period, no Periodic Fanance Charges apply to the balance in a
We 4
hse the Avenge Daily Balance (i duding new bansaclfues) method of
dating the balance upon wtddh we impose Pedmlic Fnarmce Charges. We compute time Average Dally
Bell se fa oaehbansacfon category by adding up erg the dally balances a billing period for a transaction color ry and dividing fee total by to number ddays in the billing period.
Y/e thpulo tih0 daily baWm breach Uensad" cetegay po eadi day first adding tire ldhowirs3 to file previous day's dally balance: transactions with a Transacion Dale of tar
day shown an your bft statement. unless Ia transaction Is pnskd to r Amount ale the close of the biting period in %*Wi t oaaas, in wr+dr case the transaction will be added
to dray balance hind the test day o (the bill" period in which it is psi in yew Account. fans charged clot day and Periodic Finance Charges accrued on the previous day's daily
bat; roe; land by Imp subtracting any uedrs and Wmarts the are applips: agednst the balance of tlha karnaclbn falegwy on Mat day. In calculating the daily balance for it* frsl diy of
the periud, we (onside the provious deg s defy behalcd b have tx in your batorce for each kansacdon category err the Iasi day of your previous dli g pedal.
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F" TOD (fdeeortenrnicalions OwAce tier the Doaf) asslit anee, pheaeell 1.600.347.7441
D;sciava may r turner willor record telephone cats between you and D' er representatives ter pitrawy assumnce purposes.
The Oiscover° cad Is issued by Discover Bank Member FDIC. I 017EK171
New Balance M nimu ,Payment
DISCOVER $1,744.63 , $35.00
Payment Due Date
October 28, 2009
02 SDSNr>A01 0005035
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Texl APP to DISCOV' to rec" a link to our
free mobile app and pay yoar bill in seconds
from anywhenel
PO BOX 71084 111 rrd1111 11111111 116rsl1 1
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change4Print change In space
Irr(rllu(ni(rl(ui(u?r?url(?lurlnlrr(rrllulrn?u?rlu((
above, or go to Discover.com. Print your e-mail address to
receive important Account Information and special offers.
000001986458214473213017446300050000003500
Discover More Card Account Summary
Closing Date., October 2, 2009 page I of 2
Account number ending in 9400 Previous Balance $1,762.56
Payment Due Date October 28, 2009 Payments And Credits 50.00
Minimum Payment Due $35.00 Purchases + 12.98
Credit Limit $6,000.00 Cash Advances + 0.00
Credit Available $4,255.00 Balance Transfers + 0.00
Cash Credit Limit $3,000.00 Finance Charges + 19.09
'
Cash Credit Available $3,000.00 blew Balance $1,744.63
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus` Opening Cashbock Bonus Balance $ 6.60
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 6.60
Cashback Bon u36 Since Anniversary Month
February: $5.40
How Can We Help You?
p I Visit Discevencom to pay your bit f6r no cost view our
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ormation, cam an
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and more
It's your choice - 3 ways to help 2. Cog 1.800-DISCOVER (347-2683) for Fast, easy self service
Please have your Discover Card available, options or to speak with a Customer Service Account Manager
3. Write us at Discover Card PO Box 30943,
For TDD (assistance far hearing Impaired) see reverse side Sall Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Dab
Payments and Credits Sep 21 Sep 21 PAYMENT THANK YOU $ 50.00
Other/MisuAoneous Sep 10 Sep 10 WALLET PROTECTION I MO 888-802.9639 UT 2.99
Sep 22 Sep 22 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99
Information For You
Enrol in Paperless Statements for your chance to win big. Go paper6ss and you can win up to $15,000 cashl Learn more
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!PUMM Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fes
Daily Periodic PERCENTAGE PERCENTAGE FIANCE FINANCE
BsLd(1-03 Rates RATES RATES CHARGES CHARGES
cvrrerd billing period: 30 days
;Purchases $1757.75 0.03627% 13.24% V 1124% $19.09 s0
Cash Advances $0 0.06299% 22.99% F 22.99% $0 s0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
knp?tardlnforsnatiom Sts sceletuadcofeadnpagelwaddTwnal'enportantitfonnaiin>
See rCardmendierAgreemerd.YourCart4namberAgresMenlwrNahrs thoWmsolyowAowunL
a stolen cads. Report lnvredalmyl Call 1•age-317-268&
J?R"je Rights Sumawy. In Case of Ermm or UussfimsAbou(Nor 8l: If y
eet dpaprxat Ofscosar, PD Box 30421, Salt Lake City, UT 8413
rror a problem appeared You ran leieptnmo us but doilg do and Accamt number.
amo nit d t e suspedad ens.
he arerand explah, i<yw an why yoU bdM there ts an error.
mva to pay atr amantin quesbi wide we are krresdgadig, bur
carrot ropori yet as dokptenl a take any [rGion baled tie
fa' Cradle Card Purchases: ff you have a problem with Fite qu
wlFil the mlsdsan. you may not have to pay We remaiing amu
ass was made kn your horns hale or wlnn 100 mbsd your m
pradmses are cwered regardless of the amount or local fon rip
lido your bill is wrong, or d you need more Information abort a transaction on yaw bit. Write to us on a
)42f, via soon a:)molhle. We must hear from you no later then 60 days after we sent you this first bit on
d preserve your rights. In yaw tiger, glee us Ole foliovfrlg information:
tyou reed more iformation, describe his item you are unsure about.
You are $91 obligated to pay the parts of your dl dal are rug in question Mile we inuesl'rydtu ym
rWaht you Qu WMI
* of goods or srnim that you purhased will, a credit card and you halo Pied in good Will to correct
1 due on the goods or services. You have He protection any when the purchase price urns more than §50
ii g address. OF we own or operate tine merchant, or it we maned you the advorlisuoted for IN goods or
P Std only your psyntad ad ate bop portion of this statement In emdnpe provided. Do not send ash. By sending your dock as described above, you authorae us to
use' an your dent b make an efecimie kaki handler from your at Oro kremcial Tnsllullm indrated an your deck or to proms go paywitasa duck transaction.
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is pnoassed ore en efetl101YC kmd baelar, the banefawlt lk to
annouM of the sheds. When urns use Mamalion Ironn yax check to moire an Cte(srOndC lud vansf¢r,
may be vvl+dnwm from your aaaml as eaon as the aeae tlsywe r your payment and you will not receive your, dnenih bade konh your Financial, Inviluticin.
The o (your payvrerti may be delayed l you send ash solar Dams Mail your payment, if you send the payment to any oleo adkess at if ym use an
oMr lan the and pmvNed. Payments [eceiued In pmPor loom d praoossing facility by 5Pk1 keel fine on arty day will be alsfdad in your AcmtrM as of let day. Padsnents
a our pmasairg IaoAly east SPtt foal time wAl be addled to Account as of the rhlsnl day. II you font rrpspleced y9w lshveloghr sand yarpaynent b Discover, PO Box
fit Card, Skean, 160157$103, Please allow 7-10 days [ordairely. If payniat is retried mpald, we won the right to reslbirut it as an electronic detA
you pay yawainiasarrpsyrneadoragreateram=*ovathetelephoneendyoucall setupautmmlkpsymetltd.Call usatI-MU G63.Youwillneedt?isstatementandyou
kdmsaiarr. you msl ene[rrelhel $alfriad fuido sue a1?li you hank account, and ail iarnsaclons mull aanpywill US. law. You will be asked to provide the host
5 w acco unt alaemeat ZIP todo. 8y enkrig tlosa nhaolarrs as
=Y el¢eUOrdc sgrehre, you will be agreeing to ft s audanizafxm to altos us and ywr bank to deduct each
you sullim lte ylan you bank account, and to fniiak dad't or r I I " s to you tank ormum, as applicable, (a coned en euor in the prooessimy d Stith paynxn L You must
felt Via M xat of each payment of you can select an amount suds as the 'nkmm payment Due or the New' Balance on each stalaaenl. Yau alit cannel a paymeor, ha'RYar we
n nogoee of heal Crele brain as days in advance of the sc odu payinalt. You may Dolly us by phme at 1-800417-2683 or by rnaf at as address ieaxf in she previous
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We may report infimin don about your -I m a" Late payments, missed psymada, a titer debuts m you account mry bo relecieel in your credt
rreportf[estnbaatd.payrnathIsbrydyourAccaum rxeditrepalkngagencieseachmorah.0youbakaveThatcureport isinaccrateorinupiete,pfessexake
oddness: Disoovm PO Box 15316, Wirningilm, DE 196 18. Please include your name, address, home telephone manrber and Assort number.
cod on Puchasea (at least 25 day4 We begin to impose Fiance Charges on all iarsecla s From the Trensacibn Dale for the hansom lon as shorm on your
dmank voles a ba mctlm Is postutl b your Accountastir the of the blig period in which it occurs, in vbkh nee wo begin to impose Periodic Finance Charges on that
h lam the fire( day of le ping period In which Y No darted to your n4 We uarWwe to impose Periods Finance Charges until the data you pay your coke New Mrce,
payments or hecel ft cmft l lawrim. 4 you pad the New 831e on your puns tilling stalemenl by the Payment Due Date shown on [hat billing stalcimil and you pay
atone by b8 Payment Due Dale on your arrrern billing aiaten we wit rut knpose Pedodc Finance Charges an new purchases, [hit is, poaduues lest appearing on tie
kg sla mmt ft cal inis One "grace period: There Is W grace on balance transfers or cash advances.
Fkmtce Charge, ft will charge you a rdnkman FiNANCE C E of $.50 for any biting period in Mkh Periodic Fihmhce (urges of less then 3,50 world dherAse
al Fm l your Amount has at annual fee, TI will be Bled at the jol eadn anniversary year your Accaml Is open. The amount of The lea appears o n the slaterowl w11eo the
bled. The aaural fee is riot refu dable unless you noliy us Ihato dose your Atcwn valin 30 days d the maling a delHery dale of the stalenhcrn on wlrith the kse is
}loci•i receive ft rokrd ow g you use your Card dang l+d(eFkraneeCharges. Wesalyaurbansadlmskilo gi=io! a ,cashedvanmas endbrilanreboosters anJlMnfunhersoil theIransacdansWallineach group by
Vomit Percentage Rate. For example, purchases &* b o porno taro and purchwas sub)ocl to a standard rata would be separate group. Yye tells b tihese groups as
tan categorlers.At ale end of each MN period, we canptde bmfan aM Periodic Fusee Charges for each day of the tilting period for each transaction category. We use the
ig o}rallon to oompub Periodic Finance Barges for eadt U category:
or Daly Balance) fires (days In billing period) times (Davy Periodic
refer to de finance charge Mortuary on yourblkg ilalamml for rose emwnts.) Thw1 we add up the Periodic Finance Cmrges for each transaction category to get the tidal
Inane Charges for yoalmmhml. The Average 0* 8alanhce is wn as mm if, because of the grata period, no Porkdic Finance Charges apply b the balance in s
]sly Balance (including new fransactiors) no d odg the balarce upon which we impose Periodic Finance Charges. We compute dheAverage Daily
election category by adding up ad die dalybalanoes to a b1 ing period for a transaction category ace! dividing the local by ore number of days in uhe bung period,
balance hxmdhYansac6amcategory oneaditchy first adding Ole Mbwingto the previous day's dally balance: Ironsacdonswilt aTramianciwhDdWof that
tiikg statement ales the tarrsacdoh Is posted to
Aaxhum astir the close of the bB ng period in lvhkh d access, In which case the umsagbrn will be addod
sof f fba day of Im filling period In which it is post to
you( Account. foes charged lhet day and Periodic: Fkhanm Charges accrued on fie previous day's daiy
suhtrtoGng any credits and payments Ihat are appl' it the balanm of the Uansachal adegory on dual day. In calculating, the daily baiahca fur the first day of
consider t e'pnsvlo is day's dally ha voce'to have h you hob wa for each Ulstsaclion calegory on [be last day of your previous filling period.
All charged b JqurAaxxmlae added b Ihn siendmd purdese ban ion txetegay vvrtln rite exceplian of Corsi Adraaue 7ransaclan Fee Finance CFnarges wMdh ore adJed b Sna
cadtadvarceUenaedionr?ngayend0elanceTrahsferG ienFeeFUnanc?eClrryeawhichaeaddadto6reapplicaliobak+nalransferhmnsadiondtegory.Yrtten
fie s laic exptres 1Ya more Oe nlpald tmlarntC our tha deleltca tree and lie f381aoe Tra sfa Trarsatboo Fee Finance Chnoms to Ile staalaod purrdmso hansmdm wla3ory
g Fie spedal rate has been brmknalsd rats tie Defadt hale n, we leave albs uymid balance of Ilre t glace transfer a al the Baknxxu Trrirsfar Trarca dbn Fee F nonce
Char an the tied tiahle balarnco troller uareacda[category ell the s ' I rate world lnnve exP red.
(TekewanunkMionsDavicefortheDeaf) asaktance,plea allI-SM347-Mg.
urayroon6orandfareaxdletephanealls bahwuenyouand Dl represenlativesbrquailyesrsumnceproposes.
wed' cast Is Issued by Discover Bade, Member FDIC.
DITOK171
New Balance 1 Minimum Payment ue Account Number ending in 9400
DISCOVER $5,110.20 t $102.00 Enter Amount Enclosed Below
Payment Due Date
November 27, 2009 Please make check payable to Discover Card or
pay online ® Discovercard.com.
02 SOSWOi 0005036
PATRICIA NEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
TbAAPP to DISCOW to receive a lints to our
free mobile app and pay you bill in seconds
from anywherel
PO BOX 71084 ({{esr?{rss?{uns?s?{u{r?
CHARLOTTE NC 26272.1084
Address, e-mail orislephone change? Print change in space {n{r{{u{ru{n{{ut{u{r{nt{{{{ni?ttltt{n{{rr{u{u{t{n{{
above, or go to Discover.com. Print your email address to
receive important Account information and special offers.
000001986458214473213051102000100000010200
Discover More Card Account Summary
Closing Date: November 2, 2009 page 1 of 2
Account number ending in 9400 Previous Balance $1,744.63
Payment Due Date November 27 2009 Payments And Credits 100.00
Minimum Payment Dve $102.00 Purchases + 406.47
Credit Limit $6,000.00 Cash Advances + 3,000.00
Credit Ava"o $889.00 Balance Transfers + 0.00
Cosh Credit Limit $3,000.00 Finance Cltarges + 59.10
Cash Credit Available $0.00 New Balance $5,110.20
You may be oble to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 6.60
New Cashback Bonus This Period + 0.99
Cashback Bonus Balance $ 7.59
Cadnb" Bonus? Since Anniversary Month
February: $6.39
How Can We Help You?
P I Visit D-iscaver.com to pay your bill for no cost===
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Isis your choice - 3 ways to help est
a
ccoun
ormation, earn an
n
re
eem more
2. Cal 1.800-DISCOVER (347.26831 for fast, easy self-service
.
Please have your Discover Card avaikabfe. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD {ossistance for hearing impaired) we reverse side Salt Lake City, UT B4130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Oct 18 Oct 18 PAYMENT THANK YOU $ 100.00
Morthandise/Retail Oct 26 Oct 26 FACTORY BRAND SHOES READING PA 99.99
Other/hUscollaneous Oct 11 Oct 11 WALLET PROTECTION 1 MO 888-802-9639 UT 2.99
Oct 22 Oct 22 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99
Services Oct 19 Oct 19 VERIZON 800-345.6563 TX 290.00
Oct 19 Oct 19 NLIMATRIX UTILITY FEE 800-967-9649 TX 3.50
Cash Advances Oct 14 Oct ]4. CASH ADVANCE CHECK $9090 3,000.00
IPUBW Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES (AARGES
jcurrent billing period: 31 days
;Purchases $1876.68 0.03627% 13.24% V 13.24% $21.08 $0
CcAAdvances $194710 0.06299% 22.99% F 22.99% $38.02 $0
The rates 6d apply to your Account are either fixed (F) or they may vary (V) as noted above
hotiday savings are lust a click awayl Earn 5% to 20% Cashback BonuslR) every day of over 150 top retailers like
BeAlksy.com, and Lands' End through our exclusive online shopping mail, ShopDlscover(SM). Just visit
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InlorneOon. N Base s more than we page b tiffs 4W
Sec ?mar CardrnemberAgreement YomCardmemberA9reeml
Los orsloloncards.Reportkmno aWCall1400.347.2661
we the bade of each page for additional importard Horatian.
I the terns of your Account.
BN Rights Summary. in Cased Errors or Qu rstli nsAbrnd Your B1L Y Rink your bt iswnxg, or if you need more bbinalion about a hanseclbn an yaw bill, *rile to us an a
seps sheet of paper at Disrspver, PD Bdn 30821, &dl La1te Cky, UT 841 21, as soon as possible. We rarsl hear kanh you uo mler than fill days altsr we sent you Ne first bit on
vA' to error or poblernappeamd. You cell telephone us. but doing so not preserve yotrrights. In your tenter. gfm us ft following informawn:
rhea ardAuartl molar.
dada anhouM d 6a atsppecod mot.
De rate the arorand explain, 9 you can, why you believe Rare Is an as If you need mote Wwmalicn, describe the Iksn you are unsu s about.
You not have in pay any emend in cy+oaRnn smile wve em invsatigating, you are still obligated to pay the pars of your bill that ac not In queskon. W& vie investigate your
' on, we snout report you as delinquent or wka any action to wind 1 amountymh Wesuan.
Rota for Crertlr Card purchases: II you have a prubfern wilh the q silly of goods or services that you purdmed wilh a credit card, and you bare tried hgood lash b correct
Rai wMh Rai mordrat, you may not have le per the remairvhg due on the goods or services. You have this protection only when the purchase prim was more awn $50
and purclim was made In you home skate or vAin f001rios d your n8 address, (Y we own or operate do merchant, or i we mailed you the advartsemort far the goods or
ant ptadiam are covered regardless oI the amourd a lo se.)
Send ony your fmyrnem eM to top piodfon d 0d6 abe rebpe providvd. Do rat send cash. By sending your dockaa descr bed above, you sudertra us to
use m ymwdartb make enelodrade furl sheer ad of lire flnandal ins84Abn I dicoled on your clack or to process tie paymeal as a dhak transaction.
N to p acessed m an ek*cnit lend lmnder, Are tramW amount of the deck. When we use Woralion from your check to makean deUontie fund transor,
An maybe vr611drawn horn yaraawhd as soon as the sane d ur paynnerht. end you will rot receive your check bark born your frnehmid inBGunien.
The of your paym t may be delayed i you send cash, e or doer Home writs your payment, if you road the pawn" to any other address of i you use an
cessing facNltyby 5PM beat dnx on erM day will be crerkad b you Acmudas dRat day Payvhants
pmocestahg 4nc19Y afar 5PM brat lane wit t epedi un as d the hoed deg If you halve mrspdaoed your tnvdope, send yoor pmyrthent W Divmwx Pty Rex
ewn,IL601g7bttlS.
I
You y payyeur nininun payment Ora greaW emounlover the you can setup automatic payments. Call us at 1•Ng0 347 : 3. You will reed this sdalenart and yore
batik kfotmatkm. You rust uvhame that sufficient funds are u bank acmnk and ad baremcfons must comply wih U.S. i,et You will be asled to provide the firs!
5 of your aooorall settlement 7JP code. By entering those ms ectronic slgrhatum, you will be agreeing to ft auNorizei6nn to allovr us and your bank to deduct each
you sudhodze from yam bm* account, and to lniolit dat s to your bark account, as applicable. to cared an errs In Rai processing of such payment. You must
led to amorra of t adi payment at you can select an arrxunt s tmn Payment Due or the New Balance on ears stalenremt. thou cot cancel a payntem. however we
mull rhetre at least iron blKkeBB days n alvahCa M the unL You may IwYy us by phone at 1800.347.23 or by mall al be address habit in the previous
par
If your permits vary in ammahl we Mil hell you air eac
!
tanlwhen your payment wig be wade out how mach It wB be. Your m ilou ak payment amount may
be Iian h*Aed on the monthly atsdannet based on cradds o lied during die hdFhng cycle.
C Reporting. We nay report Wamalrm aboul your account to ore& vu reaus. Labe payrmi s, missed payments. orothar delauds on your accatrN may brr rellecled in your creelli
reput . M hamady report the status and payment Malay uf)wA.ceo ml crorR rapon"agmdav each morels. It you believe W our mend is tuxcturale or hoomptete, please ;wile
to 21 to kAxft address: Dswver, PO Box 15318, Wkninglen, DE 190 • 5318. Ptease Induce your llama, address, tame telephone natter ad A.ccoutt n anher.
Prod on Purchases (at least 25 days}. We begin to krtpuse Pori !c Fiance Charges on all kanseciions from dw Transaction Date for (he transaction as shmwt on yam
billint slalsomet Unless a transaction is posted In yourAeeanl like to of the bong period in which it occurs, in Mich case we begin to impose Periods Firm Charges on that
trains train the WO day of this bikg period in vltdh it Is posted to yoL A ccount. We cWme to Impose Periodic Few= Charges unbt die mate you pay yarn onike Wan Balance,
by se, filing pa}erartls or receiving aedds. However, a your pail der Now 0 ce on your previous bKng statement byline Paymaa Du at Dole sham on that billing staleme d are you pay
der a will rout Impose Periodic Finance Charges air new purchases, Oval Is. purchases lsst appeasing on the
BaY m by ffe Pgmeit Due Dane on yam current Aig sts chi ,
bilung slaiaram. We call this to 'grace period: PnrN9 is 0 grace d an ballinxa transfers or cash advances.
!
MW ma Fiance Charge. We will charge you a nhnn rn FINANCE C of $.50 for any tilling period in wdaeh Periodic Finance Chifges of ass than $.50wtwld dlarwise
,E
Armu d Fee. Y you Acaasd has an annual fee, it will be biled en's tag d each anniversary year your Accoud Is mpeh. The amoort if The fee appears on the slaleme t when the
fee bred. The anrrel lee Is trot refundable uraass you notify w drat you to dose yomAocant wv'Ndn 30 days of the mailing or delivory dale of Ore statemma an wlirit to lee s
lttd Ynutrt receive gte+e(rrl even N you use your Cord du ng Hat
Fivenncis Cl irgas. We sort yow ktmadms Into groups of pu uses. rash advances, and bdanro kansyem and Ilion kallm sod the lmnsaddoris wilhih each group by
Darr fence...ge Rater. FrXexa Itte. pWClbses aabjinA lu a fa ki rata and puidWU5 svt all to a bWrldMd rare mul:.lbe it'ldralegrnups, %W re- .M;u 2*le gn?ups
van categories. At the mind of each biding fantod, we compote bda and Periodic Finance Claxges fur each day of the bihrg period for each transaction category. We use the
fat g stluatien b Cornpule Periodic Finance Barges of smell NanBac category:
(Aver Daily Balance) ernes (days In billing fat od) times (Daily Palo Rate).
( ? 6
+
qpce vs
t
a
te lot d
to
goet
Than we
add up
em
as e
1
r
a
rges for your Account The Average Daily Balance
F
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lan
t
apply to fi
ace net no Pedodc F
me qmr
skvn Res
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be
cause
g
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We AvN*rfyTy Balance (rockedrx) new oansaedoas) meihad calou atka} the balance gun wedch we impose Periodic Fin rion Charges. ft compile the Average Daiy
Babsi o for each transaction; category byadd'ng up all the daily balances a bung period to a trmsadion category and divldng the reran by the number of days in she biiig period.
War G O" the dally balance for each iammetion ca e?ay ah Malin day y drat adding No hollowing to Na previous defs defy balance: Iransacdons with a Trasacdorn We of Nan
r
day at1Oa s posted
on your bMM stetmeea mess gar trans your Mnou t agar this dose of the tding period in whicb d ocdae. In which case to tratnadim Mid be aided
to bsonasas oltha frsr day of the hung pxriod'n vAdth 6 is to yourAccoud, fees charged that day and Periodic Fkerhoo gmiges accrued on the previous days day
nd by ihep sAUnctng any dents and payments Nat am soainet ilia balance of Rai vansactnn category an that day. In takulat" the dally balance for gar fast day of
eriod, we consider Wi nceoas days daily basice' 10 have n your boot for ench Iransedion category an the teat day of your previous honor period.
rged to youvAcoaart ore added to lie standard purchase ion category with the eoeptiorh nl Cash Advance Transaelion Fee Finance Charges which are added to the
cash sdvarr.?t nansardole Catego ry and toter" Trio sfer Fee F napce Charges whhich are added b the appli able beans hrmsfer Irmuckon category. %V1,un
rate eap es, ww move 6a unpaid b elahce of trio balance Ir r and the [Wanes Tronsla Transaction Fee Finance Charges !o the stWKIMd purchase transaction Catogry.
t o special rate has been or mailed under tie Ddast Rate dton, sve leave gar unpaid balance d the hatance t triter and the Barmen Tianshn TrashUkn Fete F"wore
be rpptkabb balance hmsim lfansocli n category utlll oar 1 rate would have engired.
For Too ( fekcormwehfeafiona Device for the Doaf) assistance, pkaja call 1-000,387-7449.
Discover may wAW arlhYa record leop hone rags between you and er represadrailas for quaky assumnCe purposes.
The Diecover' card sssued by Discover Bank Member FDIC.
OITBK171
r-
New Balance i Minimum Payment No {
DISCOVER $5,079.81 $100.00
Payment Due Date
December 28, 2009
02 SDSNBA01 0005097
PATRICIA NEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
w
$ 1 I
Please make check payable to Discover Card or
pay online Q Diseovercard.cam.
Text APP to DISCOV' to receive a link to our
free moblis app and pay your bill in seconds
from Is"erel
PO BOX 71084 IrlrUirrulluurlrlrul+I
CHARLOTTE NC 28272-1084
Address, errwitor telephone change? Print change in space rrrI II hill riI IIII to It rrtills )1)1gill it IN rrr1rrr1n11IIJIrrI
above, or go to Discomser.com. Print your e-mail address to
receive important Account Information and special offers.
000001986458214473213050798100150000010000
Discover More Card Account Summary
Closing Date, December 2, 2009 page 1 of 1
Account number ending in 9400 Previous Balance $5,110.20
Payment Due Date December 28, 2009 Payments And Credits 150.00
Minimum Payment Due $100.00 Purchases + 39.97
Credit limit $5,300.00 Cash Advances + 0.00
Credit Available $220.00 Balance Transfers + 0.00
Cash Credit limit $2,700,00 Finance Charge: + 79.64
Cash Credit Available $0.00 New Balance $5,079.81
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashbaclc 8anuse Opening Cashback Bonus Balance $ 7.59
New Cashback Bonus This Period + 0.07
Cashback Bonus Balance $ 7.66
Cashback BonusO Since Anniversary Month
February: $6.46
Keep building your rewards with every
purchase. SW redeeming once you reach
S20 Cashbook Bonusf ).
How Can We Help You?
It's your choice - 3 ways to help
Please have your Dscover Card available.
For TDD lossisionce for hearing impaired) see reverse side
I Visit Discavercom to pay your bill for no cost view your
latest Account information, earn and redeem rewards and more
2. Cog 1.800-DISCOVER (347-2683) for fast, easy s4service
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
Soft Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence
Trans. Post
Date Oats
Payments and Credits Nov 20 Nov 20 PAYMENT THANK YOU $ 150.00
Menchnndise/Retaft Nov 9 Nov 9 HCG*HARRIET CARTER 800.230.3833 PA 26.99
Olhsr/Miscellaneous Nov 10 Nov 10 WALLET PROTECTION i MO 888-802.9639 UT 2.99
Nov 22 Nov 22 IDENTITY THEFT PROTECT 800-347-3089 UT 9.99
?Wad Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES_ CHARGES
current billing period: 30 days
Purchases $2110.75 0.03627% 13.24% V 13.24% $22.94 $0
Cash Advances $3000.68 0.06299% 22.99% F 22.99% $56.70 $0
The rates that apply to your Account are either fixed {F) or they may vary )V) as noted above.
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Impo rtant hhlorawiat. I them 4 oars than or* pays to this htitelg shilemel , sea the back of each page fa additional Important Information.
Sm, ourCardnagAwAgrearnant.YdwCardmmtberagra *Waommnts Ihatammofyour Acawnt.
fit' prctofarxards.Report inansdie inimedieW. CA 1400-30-M&
BI Rights Stationary. M Case of Ems or Otestias Mad Your BIL If drink your dl is wrong, air you reed man Initialization about a transacfah on your bill, write 10 us ale a
T dnet d papers Dismiveti PO BWC 30021. Sall lake CIy, UT841 Ti. as somas possPole. Wa drat hear hied you no later than GG days alter we serif you the isl bill on
w h mra or problem appeared. You can Lefeplnre, us, but doing so wit presomia your 40. In your letter. give us le following information:
Y name and Arxatxn manber,
;
T ,
orm amount of Noe suspecled error.
Des prbe Iheermr and explair, iym can, why you bola" Grme is an error. you need more Worm on, destrlbe ft Item you are unsure about.
Youd onglovabpayanyamuuMMqueMKitivlills wearekwed'gagrg,b, rxi are still obigaledto pay are parts of your bill dial am ndin question, Mite we investigate your
quesf Wr.wecanrotreportymisdeibquenlatake myaclodbcollect iho wurdyou qusslan.
Sp fmn Credit Card Pamttasos: II you have a prablmn mitt the qu ' y of goons or sowicos that you purchased %k% a credit card, and you have tried In good laith to correct
d
the ;
wile Ste nedracu. you may not bare to pay the remainhtg L dtte an the goods or smviats. You have trig Protection only when fie purchase poke was mm: Than $50
and epaCha98 was nmeda it you home sFale awlleit 1gg miles d your rig address. (If we own aoprole the mergerd, or Grote maned you the aduelasamenl for de gouda or
serwg es, of purc/nsas are covered mepadim of the anmevd or location of odwso)
p ad only yourpeyrnal and due lop portion of Grin alalivneM In envelope provided. Do rot send rash. By sending your died as descrbed abom, you aulhor¢e us to
use u
an your deck b make to ducbadc kind tramlr frnn yam nit at the financial Institution Irdesfed on your cede or to procaes the payment as a check Transaction
a Is pimpead as an alrctadetund Irarnfer, the 0mhelerwil be for mdoarl d 6a check Whon, we use hibernation from yarn duck m unmake an electronic fund transler.
lued tray be withdrawn imon your account as soon as rte carne rlaywe r ynur payonsit and you wil not mcehe your dw* hack ban your lawmal insduxion.
The of yourpaymemd maybe delayed I you send csdh txxre a atla ila m with your-payment, I you nerd the peymea to any Mier addrou or it you use an
otter Geri the one provided- Payrtetnls Ieoeived In proper farm at proussng 1aCTityoy 5PM kcal tide on my day will bo crucified to your Account as d tlwl day. Payments
at our pracessatg nobly star SPM local time Will be credited to you AcaxaI is of the trust day If your have misplaced your envelope, send your payment to Discover. PO Box
6103;
r payment is re4rned mrpald, coo re68rve the nigh! Io testtbmil f as an rtedraie [obit
Cod, Sboanm, L 60197.6181 Please Am 7-1113days br delivery, If
You cl an pay your mrilmum pa" or o grealer aoou t over 0e lelephoi and you can cl up oulamalic payments. Call at t-ODO-347.2663. You wll reed ass staWnwil and yrnx
bank It IMama w You new ensure that sufficient fords are avala In your bank scmud, oil all transactions must comply vhtlr US law. You will be asked to provide the first
5 d.yw atmtutl stalemernZiP node. By enTrig tlpso text tens as elecUenk ?gnalure, You wU be ayeelg to ft mellorizafon In allow us scull SKm brats to der" eadt
you arAcrhe Ian yrxr beak aura t4 amdw ntiNme debt a creN n>Yios b yna bank arm int. as oppllcahle, to correct as error n the processing of such payment. You must
trd an mraand each psgmeri a you can ailed au arrraanl suodh as O Miwnum Payment Due othhe flaw Baiance an each statement. You can camed a paymeni. holadver we
mmeld nofea d ICdal tree InlSllrea8 days n adYdmN dlhe xhednA payrhhmht You may ronry us tiY phtra al 1 AW347-2663 or by mail at the acklress listed in the previous
aunt. Y you prtyntmis vary it ortolan. we w1! lei you rot tdach mall slekntmn whrt yourpaynrtrd will be mmwdo and law much l w I be. Your aummakc payment amount may
Ile tlhast indlnled roll tlhe tmtrmliy ddernteed ba98d do «trdils W peyll aldpNed clang Ote bike Cycle.
Crad? t Repartieg We may report Itfotnatlirn about your acMtrml b aedd rases l ale paymxrds rmcsed Paytnenls, or other debuilts on your amount may be reladed as your credit
'
rq s irwcauate or imm ill ete, plaase while
Mite rarrnagy opal Ira surtras and paymalMsbry d yea ArxattM credd reporting agendas eadn mmihe N you bake Imal or report
us m You bfoaimg address: t>ncaver PO Bon !5318, YyimingMn, DE 1 5910. Please ndude your name, addioss, home lebplwre roribee and Account number.
Grac Period on Purchases (at least 25 days). We begin lolimpose Per Finance Charges on all kausaclions horn The Tri nsadion Date for 010 0arsoc6an as shown on your
sefmaax, uhtess a trarnsadlm b posted te yourAocoud attar era d 6ho blbrg period in which it occurs, It which roan via begin to impose Periodic manse Charges on that
trams ge fist rimy dune tiling Per oil nwlhkh tl e peeled to yea vYe oornoue lo lmpase Periods First" Cltargas until out date you pay )UW mulls Now Balance,
by
? payeteMs a raceirlrp orafle IbweweG l you pwtl rte Now on your pmuiam bung etatemaM by are PaymeM Due Date shown on that biting slateman and y'ou pay
tla Balance by fire Paymvdd Dim Dale urn ywrarteM tiling eta ace will owl Nuposa Periods Firence Charges on new purchases, oat 6. purchases first oppew ng on tic
arrm ht faKrg slatented. We cal rids ln'graat period.' There h no gruco rn bakrae Uarslers a rash advances.
hgmdd rtwn Pltmce Charge. Yye vdil dsa ge you a minim m fi11AFICE CH GE d 5.501or airy biting period n wh ch Periodic France Charges of lass Imam 5.50 world otiher Mse
ba im paverl.
Wmt( al Floe. N your Adnsd toes an ancawl lee, l vdt ba tired at cue be ' deadh a xtwnsry year yoaAccwanI6 open. Thu a i unt of rue fee appears on the sWenimil Olen the
fee Is b%d. Tie annual fee b dal uehrdabte toll you mtaNfy us that You lo dose your AGLOax wiftn t0 drys of the "Ing or delivery date of the stmonmard on wlcijb the fact is
I"c You WE mmaehm ft" rekmd even I you tse your Card dung tlud teed
Pedr?m lk Frmpce Charges. We sort your fansacfmns into gtoupa of in cash advnces, and balance transfers and then Wier sal the transaclas within each Ura p by
o,e rit u al Percentage hale For eamrtle, puthasas woad m a pea rate and purdisties suW w a standard rate would be scrlmrute grasps. We refer m these groups es
k Om ci egorks. At she and of aricn biting period, we con"o bola and Periodic Finance Charges for each day of cue baing period for each trarrsac§oh category. We use use
t equaion to compute Pariudnc Finamrce Cwrges for reach Ira sa categray:
(Aver age Daly Balance) Gi es (days in bYBg period) times (Daly Periodic ate).
(You
Pedo mefr b the lmericir charge sunwary on your Miner statement rase amounts.) Than we add up the Pariodc Finance Charges for each transaction category to get the tolal
C finance Charges or your Accould. The Average Daly Billerica is as zero I, because of Uw grace period, no Periodic France Charges apply to to halana: in a
We MAseiepa%Jr Balance Witting new transactions) method or doling the Iwdlence upon which wo Impose Peviodk Flures Charges. We comptda the Avaraga Daily
Brile " for each Irattlaclimcall" by adding up al the daily batancas at bl . g period IW a transaction untoPY end dividing fire total by ft number of days in the tilling period.
We ale the daffy bakrrm lot each harsedion category an eadn day fast adder the abwing to 6a previxts day's daily halmncx: transactions wilh a Trarsacllxn Date of final
ray Account after the one of His biting period in wltdn 0 occurs, in which mdse the transaction will be added
shorm ep you blfsg daimient, uNess the lransmft is pmlod to
'
to ea to
s doily
dhity balmrce ss dire lest day of the bTmy palod n vAildh l is m your Acoornt. Let charge Oat day and Periodic Fuwnce Charges acaucd ale fire previews day
i
rst day of
mad by than Sttlhbadng any audits and parierts Dial are appf raga nst the balance of the transaction caegopy, m that day. In calahhdrrg the dally balance la fa f
the period, via consider Iha'prewieus ?Y}defy balance" n have your balance fa each Iransadbn category on to last ley of your pehas bYing period.
An shared to your Aahant are added to On standard ON"X se tr rratogrsy with Goa exception of Cash Advance Transaction Fee France Charges vdhkdh are adled to Ba
ap cash advance Ianswilen category and Balance Transfer Tr ' Fee Finance Charges which ate added to the applicable balance transfer transaction category. "ten
tlne no expires, we mom ft uripdd balance of the balance Iran mid IM Bolance Transfr Tramaenah Fee Finanro Charges to the standard purchase bramclion category.
Florva Me[ the spa>01 tale Iha$ keen terminated urderthe Oafadt Hate i, we leave the ur"M balace of Ilia balance transfer tad the Balance Transfer Transaction Fee Finance
aw os in ft applcaM balance [raster transaction cats" until the roe wattid have expired.
For 0 0 (Telecommtur?tlons Device for the Deaf) assistance, plea call 1-8GO347.7449.
Dismi aem may moment mrdda record telephone calls between you ant C er representatves for quality assurance purposes.
The O nicovrers card is issued by oiscwer Bank, A amber FDIC. OITBK17 t
DISCOVER
New Balance i Minimum Payment Due Account Number ending in 9400
$5,048,82 1$104.00 Enter Amount Enclosed Below
Payment Due Date
Jmwary 28, 2010 Please make check poyabi.oaams to Discover Card or
pay online Q Discowarcard.
02 SDSNOA01 0005038
PATRICIA MEIXNE:R
14 BRIARLY DR
CARLISLE PA 17015-7670
Text APP to DISCOV' to receive a link to our
free mobile app and pay your bill in seconds
from antywherel
PO BOX 71084 111.11111111114141311111 till
CHARLOTTE NC 28272-1084
Address, e-mail ortelephone change? Print change inspace
lrrlr??ttlnnrlollrotltrlrlntel?lltrnlrtlrrlnllnlrtlulolrrll
above, or go to Discover.com. Print your a•mall address to
receive Important Account Information and special offers.
000001986458214473213050488200150000010400
Discover More Card Account Summary
Closing Date; January 2, 2010 page 1 of 1
Account number ending in 9400 Previous Balance $5,079.81
Payment Due Dais January 28, 2010 Payments And Credits 150.00
Minimum Payment Due $104.00 Purchases + 35.98
Credit Limit $5,300.00 Cash Advamces + 0.00
Credit Available $251 .00 Balance Transfers + 0.00
Cash Credit Limit $2,700.00 Finance Charges + 83.03
Cash Credit Available $0.00 Now Balance = $5,048.82
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonue Opening Cashback Bonus Balance $ 7.66
New Cashback Bonus This Period + 0.06
Cashback Bonus® Since Anniversary Month
February: $6.52
Keep building your rewords with every
purchase. Start redeeming once you reach
$20 Cashback Bonus(RI.
Cashback Bonus Balance $ 7.72
How Can We Help You? I Visit Discover.com to pay your bill for no cost, view your
West Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER 1;347-26831 for fast, easy salEservice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us al Discover Card, PO Box 30943,
For TDD (assistance for hearing impairecil see reverse side Salt Lake City, UT 84130
Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence
Trans. Post
Date Date
Payments and Credits Doc 16 Dec 16 PAYMENT THANK YOU $ 150.00
Morchandae/Ratad Dec 29 Doc 29 STARCRESf OF CALIFORNIA 951-9432026 CA 23.00
01her/Miscellaneous Dec 10 Doc 10 WALLET PROTECTION I MO 888$02-9639 UT 2.99
Dec 22 Dec 22 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99
MVhWCharge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARM
current billing period: 31 days
Purchases $2156.64 0.03627% 13.24% V 13.24% $24.22 $0
Cash Advances $2886.34 0.06573% 23.99% V 23.99% $58.81 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
krpataM InformaUw. 0 There Is mofa Own one page to btiing s seethe back of each page hxa fdterwl onto taN informatiat al
Sep your CardrwnrberAgreeaeal.Your CardinemberAgreemenla ad the terms of your Account P
m
z
Lao or sblat cards. RWA imhedletelyl Call 1.100.347.2613. o
Buing Rlgh s Sseraury. In Case of firms or Dueadare AWOdYaur fil l If you tiWNk your bit f5 wraig, Ord you need were information abord a transaction on your Ml wide to us an a o
geparate sheet Of paperal Discover, PD Box 30421, W take (Sty, U7 13D4142t. as soon as possible. We must hear from you tie Tatar than 60 days alter we sent you the first bit on
o
wAkh the error orprellain appear eL You can lelephons Us, but doing xvl not preserve your rigtla In your Ater. give ou to folavring normal ctK
• Yete corn an lAcoount menbet. m
• lladolktr amoral of the saspecled eras °'
• DCsaibe the error and explain. A you can, why you believe Isere is an . Oyou need more kdormation, describe the Ilen you are unsure about.
Ybo do not have to pay any arrant in question "m: are inveslifialk I, but you are still obligated to pay the pads of your hill dei we not in question. White we irtresfigate your
gnlsg0n, we mmiel report you asdefaaqueari or We any pcianlomils
gie aftaml yaW gtassfwm.
Spacial Rule for Credit Card Purchases: Vyou lave a drohleni wilt1
M
0 qu*y Df goods or serviau Oat you purchased with a credit card, and you have tried in good faith to correct
problemwith tie mere unt you ntay dal have b psy j
r
minkaq
sip
n
th
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h
W
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r
f noted due an 0* goods or services. You have Oafs protection only when the purchase price was more then $50
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seririceys. all pischases we covered reganaeam at she amount or lecatici ma
ng a
ress. (
we own or operate
e mer
wrl, or
we ma
you to a
e
vertisement for the goods or
of purchase.)
Pa Send only you payment end the top portion of ft stolen in tie emekpe provided. Do not send rah. By sending your dhecc as deso bed shove, you suitorhre us to
usok*ftnWmonyardiehtbmalwandecbaicfundlrmmfwhm our account nghefinancial imilWbnkidaledan your check orbprocesathePayment asached krareacaon.
0 p4yhhhedale praoeusatl as an Aearohab Acrd tronefe, the transfer svtil for the amount of tae check. When we use inlodmaOon from your dieck to make an a edict is fund karift
limits may be withdrawn ham your aornunt as soon as the same day receive your pWmnL and you wig nol moehme your check back from your financial its6aacon.
?hq tim-sling of your pate-id may be delayed d yron shod pmdetoe or othe
r lansxith you payment, t yon send Vie payment to any olieraddress or 0 you use an
orr?daPoo1horliahIreameWMed.PoynleNsredten
t
ourprocbssWpWilyby5PMlocalliveonanydaywillbecreditedbyourADroenta4of Thalclay.Paputuls
recdived at err paessig facOky silo 5PRf 10.ah iilllea urAoeoun an of tie nerd coy Myou lime tiisptaoad yourerre(apo, send your payahwrN te Dha?rer, PD Dux
6t03, Carol, SMeant. IL W 197-6103. Please at DW -10 nays your payment Is returned ukgaaid, we reserve Vie right to resubmit kit as an eledranicdebit
YEN an pay your anhimnh fwymem or a greater amount over the to e, and you an set up auk»naid payments. Call us at 1-80D347.2683. You wig need thle staonunt and your
acaaw information. You aW arose col su(0ciaa heidS ar te in your bank eo aunt, and all Irarmcdons must comply with U.S. law. You Y41 be asked to provide, the test
5 Sol your aco ud saatemerd lP code. Byealedog Bose ram your akdmnicsignapure, y
ou wit be agreeing to tis aMoriiafnn loallow us and you bank m dedid each
I
haul yore ahlnrize Imm youbaek actaurd. and m niple dawi I entries fo you bar tacco nt as applicable, b cooed an errorki the processing d such paymehl. You muss
id gee aoou14 dleaeh paymml oryou can seled an amwad su e ktirona m Paymenl Due ortie New Balance on each slalsowl. You cab Wneel a payment however we
nwst receive notice at land three business days it Odom of the $ctw Wed faymertt You may Iwtty us by phone at 1.800.347.2113 or by mail at the address fisted in Via previous
ph- If yar taymeds va it in mount, we *1 let yeti an each dy statement when your payment half be made and how much 0 will be. Youd adoaiafic payment amount may
be cs it= ind icamd on he molly slalernenl based on credits or ism, eats applied during ft biting cycle.
Ggd012apadhag. We hay raepml iianwtiai about yvwr eamur14 to fitbunious. Lela payments. mined payments, or char dasulls on your eecoura maybe reloded in your credit
report. Wa inonnaly report the status and payment hislory of youfAccat it to ciedl reporting agencies each moth. It you balm that our report is inaccurate or kaornptete. please write
us at the folo kiij address: Dfscaha, PO Box 15310, Wilmington, D51 50.5316. Please include your name, address, harm telephone mi n her andAccoun number.
Gram Period on Purchases 4al bast 25 days). We n to Impose
d
f
l
4 ' is Flnarre Charges on all traaaectors from the Transaction Dale lot Ida transaction as shown an your
t
b
i
ter
afd
omeM 111
1163 0 WX421C lea h6 poste
to YWr hl a dose of
he
r
g period In tvlidh it occurs, in which rase we begin to impose Periodic Roca Chlafges on Vial
Ina ciao ban the first day of 1s bbV period in which it is posted to Auamt We cordaaae to Wnpose Patmfc Finance Chagas troll the data you M your amia New Balance,
by payments or receiving awls. Howerm. t you paid the New etmwe an you-pmvious filling statement by tw Payment Due Date ft" on that bft sslenrerd and you pay
OaUbnce by ga Payman Oro Date an your cahoot bHing Ste we will not impose Periodic Finance Chargeson now purchases, pal Is, purchases feat appearing on line
c whim hflrng statement We call M the'limice period:' There is no period on balathoe transfers or cash advances.
hNu>laauun Finance Charge, Vile vll charge you a mhimen FINANCE HARGE of $50 for any biding period in Y4*,h Pedodic Finance Charges of less than S.50 would Ogle wSe
be(mposod.
Amlual Fee. N you Accoaad has an aural fee, it wit be M1kd al the of each arnivwsary, year your Account is open. The amounl of the tie appears on the stabnwrit when the
fee Is billed. Tim mratah fee is vas refundable Wass you sally us that wish to close your Amount w+ldrt 30 days of the mailing a delivery date of the slalemern on which the fee is
60dd You wig receive Ibis refund even it you use your Card 4urkag gal .
Periodic Finance Charges. We sort your transactons Into groups of asec ash advances. and balance transfers and Onem further sod the transactions wltlii each group by
tlietirAdnwd Poicereaga kale. For a m ittle paachasks sab)ed W a Inc mil rate and purchases sul*ch b a standard rate world be srparale groups. We refer to thew groups a3
kalsacrin alagorles. Attie end of each Ming period, we compute antes and Periodic Finance Chaga for each day of ilia bWM period for each transaction category. We use Ilia
kidwigeQafontocogputaPefoftFinanceCharges foreadhkarts celegcry:
(Average Dally Balance] Etas (days In bating peffadllimes (Daly Per' Raley.
(Yuji may refer to the finance conga summary on your biting slakane for two amounts.) Than we add up the Pedodc Finance Chagas for oath transaction category to get the tidal
PakOdc Faace ClWges fat yo rAcaount. The Average Daly Be Is shown as zoo a, because of the grace period, ran Pufaic Finance O"ges apply to the balance in a
Y& *' lea Avaege Defy Belanou (igduuWng stew lrarsacionsJ me of alahla6ng tia balance wort which we impose periodic Finance Chagas, We ampule 1w Average Daly
Bala nce for each Wasacbwr alegory by adding up all the daily in a Illfang pedod fix a transadkin cebwy and dividing the total by Vie number of days in the billing period.
% poinpule the eatir balance beach transaction category on each by firm adding the following b to pravio s day's daffy balance : tramadions with a Trantiodion Date of del
do es shown on your Wing alaleme nt, unless fa Ir sacion is post to you Account after the dose of the tiling period in vitU a umurs, In wNch case Be Irasacton wit be added
to d ie daily balance as of Vie Fat dayol Me biding per" In Molt it is Wed to yaw Acomit. Ices charged that day and Periodic Finance Charges accrued on the previous day's day
bak* i ce; and by gash stAWadi g any credits and payinedls Vast are agakat the balance of the Nansardion care" on Vial day In cadadaVng the daily balance fa 0m first dny of
Ya billing period, weconsider ihe'playbusdaylsdally bahame'bha been youbalance foreach transaction wsegoryanthelast dayof your pnevionsbiding period.
Al l ees cledgad in your Account are added to the standard purchase category with Ile excellion of Cash Advance Transaction Fee Finance Chagas which are added to Ito
:pp fcable cash advarxe herisatfon alegery and Name Transfer 7 nsadion fee Fiance Changes which are addled to the applicable balance Basler Vatmi on category. Men
tie special ink Calm. we move the unpaid balance of to balance ter and the Make Transfer Tiansection Fee Flames Charges to the standard purchase transaction category.
A tie special role has been brONnated hander IN Detaui Rall section, we leave the uWW balance of lithe balance transfer and to Balance Transfer Transactoa Fee Finance
C in to applicable balance baata transaction category urM special rate wand have mired.
For TDD(TefecommanicaliomDevkeforganeat)asdstance,p ecal141e0J47.7449.
Disa wmayaarlloramYarmoordlelephsnecaashefirmyouand rreprnsenialksiwqua(iryasmmncepurposas.
The MWAVer• card is Issued by Dscover Beret Member FDIC. 01TEK171
New Balance Minimum Payment Due Account Number ending in 9400
DISCOVER 5s,034.S0 $103.00 Enter Amount Enclosed Below
Payment Due Date
February 28, 2010 Please pay online 0 www.Discover.com or make
check paya66 to Discover
02 SDSN6A01 0005039
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
PO BOX 71084 111#141 If 11111511AII
CHARLOTTE NC 28272-1084
Address, email or telephone change>J
Go to www.Discovor.com or print change in space above. I .
Text APP to DISCOV to receive a Rnk to our
free mobile app and pay your bill In seconds
from anywhere!
000001986458214473213050345000110000010300
ary 2, 2010
page 1 of 2
opening Male: Januory 3,1U 10 - Closing Date: febri
I Discover More Card Account Summary
Account number ending in 9400
Previous Balance $5,048.82
Payments And Credits 110.00
Purchases + 12.98
Balance Transfers + 0.00
Cash Advances + 0.00
finance Charges + 82.70
Other Feast + 0.00
New.B?E-n-ce $5,034.50
See Finance Charge Summary section following transactions
for detailed APR information
Credit Line $5,300.00
Credit Una Available $265.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $0.00
may be able to avoid Periodic Finance Charges, see the
.se side for details.
tSee transaction dolail for a description of any fees charged.
CaS C Bonue Anniversary Month
February
Opening Cad back Bonus Balance $ 7.72
New Cashbock Bonus This Period + 0.00
Cashbadc Bonus Balance $ 7.72
To kwn awe, 4 in a www.D6cover.com and select Rewards
Payment Information
Now Balance .$5,034.50
Minimum Payment Due $103.00
Payment Due Date February 28, 2010
lots Payment Warning: IF we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for now
transactions may be increased up to the Default APR of
18.24% variable.
Minimum Payment Waming: If you make only the minimum
payment each period, you will pay more in interest and 0 will
take you larger to pay off your balance. for example:
O
a.. a`..
01 F
Em
-
? ?M?lc,. •.
.
Only the minimum 8 years $8,657
payment
$185 3 years
i 6,66
(Scivings - $1,993 J
IF you would like information about credit counseling services,
call 1.800-347-1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan
2. Cal 14WO-DISCOVER {1-800.347-26834 to pay down your balance, securely access statements, pay
Please Bove your Discoverrocord available. bills online and easily track all transactions
3. Write to us at Discover, PO Box 30943, Make your money wash morefind easy ways to earn
Sah Lake City, UT 84130 and redeem cash rewards
For TDD {Telecommunications Device For the Deafi NEWI Access your account securely through your
assistance, please call 1-800-347-7449. mobile phone
Transactions
Trans. Post
Dais Dab
Payments and Credits Jan 22 Jan 22 PAYMENT THANK YOU $ 110.00
Cidier/Miscelaneous Jan 10 Jan 10 WALLET PROTECTION 1 MO 888-802-9639 UT 2.99
Jan 22 Jan 22 IDENTITY THEFT PROTECT 800-347-3089 UT 9.99
See reverse side. DISCOVER
Important nrormation, t Here Is nwe than aid pegs b finis King staternaltl, See lie bald of each yr+9a for a liiunma inip xlanl nfumndiaL
See you Cwlli nber Agreanenl. `hart Cardmember Agreontenlmnbk
Lost or stolen cards. Rerod imntedhalelyd Coll 1.640.347.25{3.
Mpg Rights Surnmary In Case of Effors or0xisdarsAbout Your BE: II
separate cxel of paper at Discowi, PO Box 30421. Sat Lake Cary, UT B41
the error or pioblan appealed. You can lefterrw us, bud doing so w
Y ur rustle and Account numbs[
Tha dam amount of lie suspected bier.
De6cdxh the ow and aunt, 0you can, very you Mlieve tare's an an
You not have to pay may arnaua In question volute we ale loves yWrig, I
geham. we carrot rwpad you as doWifnei take any achun ID coW It
Special Rule for Crodt Card Purchases: it you have it pmblemwilk the r
the both Ile mwdmK you rally hot have b pay die remtrni g arc
and ON pur tits drass was rrrdks in yarn barns slate or w Min 100 nmlas of your
sar*es, W purchases are covered regardless of the amount or Watidn of
leniisofyourAcc ud
[kink your big is wwng, or if you tread trove inkumaWn ahM a bansadw on yyxx hk3, write to as on it
1421. as soon as possible. We must hear flan you no fafer that b1y dais after w.? sent you eta first hid n
4 gagetve your rights. In yore lwwr. give us the k ft* Wornialon:
If you rased moo infaim let describe the item you are unsum awl.
you are sot dnigaktd to pay fir tarts of yrxr bull Phut are not in r uMi nt. Wide w investigate your
urhowl you question.
ly W goods or services Vmt you pucdesed vAli a=14 aud, and you bonne tried In good Wit to correct
t due on Otu goods or saskrs, You law the prow" only when gk purchase poise W. nova Thar 551
ia9 arltkwsa. elf wee eaxen w opaale the rnetstimsl, ur it we ma dal gar the adeerksrarxax k the ;csxls x
Payments. Send only your paymeit and to lop pnrlian of ids slatemenf in envelcoe provided. Do not send cash. By sending your dts k as described above. yw nutnatze us to
use klramaldn an your ova to mole an oludmik fired hairier from gar I al Ube latmh-vi ilasiktPun utdcakd on yuurdseck a to, -(oens the payinerd as a deeds Ir<atsarint.
II peyrrtern is processed as an ekekalc fund transfer, the Irarsfel wit he f the emnaax d ere check. Vithers we use ktlontrodon for your tack to nake ant etmkoii c Iaad trainer.
thotd6 nay be wlmdm ai i mi your amanl a$ sane as uie safne day Ira ' yea payment. and you 0 not jacehie your check back trout your fuamiat Irudadnn.
The plocessing dyour paynrerMtray bedelayed '!you said cash,arrest
odtew tan the ate provided payrneals rerxesed in proper hew; sr :s -.tt)ik4NdlocAline vilhe crediicdI,y
8103, C:acd Strerxn, IL (ti,t 1r-0103. P"e allow 7-10 days la delivery. I
You can pWM nMdnxnh paym iolkv it grealer amoni over fie hlepbo
bond; ocmrrl nbmalion, You Must ensure fiat sufficient funds are roam
5 dy f la of your amound stmentesd 2P code. By ehietktt Thaw ntmibers a
payrr??. 4 you ahdkodze ken your bank amarhL and to knGab debil or tie
kA uk #w i naafi of each paynsrml Of you can sated; an WWII such as t
nwo town mice al bast taco business days In advance d the sdmdu
PMOAA Ryan frayntertb vary In anxrrL vie wit tell you on each nrxlt
be . hills IM "alai On Use mahhy ak+lartaN based at Colft a Payne
Credit Reporting. We may typal Worw stbrh about you Aaratm to credo'..
r;w. Nee namrllyr reprA He slaw and payment his" of your Atacxnt
us al are lotlovltg address. Discover. PO Bas 15316, VV tingnn, DE 108
Grraapqe Period an Purchaser (at least 75 days). M MOM to npose rear
stak#1rsrlt, unions a ka"Claut is posted to your Account afier he r3ose D
van?acam lean ft gulf day of the burst penned it vfiich it is posted to ya
showio on your bhitg slakrttert by ranking psyniterils or solving credits.
onto irtUtgatesahraf on wilnatimposePexiodkFinance Chargesm,
putchinisio, paid by rte Payload Due Dale onyourcunt" bigrp sk7kxrt rd
koidi d in he sni of yaw CardneribarAgrealuml tied liow I
ID line latance of each bautsaciat wleyay. This ireers that B1
sa lienanl, Rion, rfepandkty m the arnau u d you payment and rileAaax
dence or other ikon wits your payrndlt if you send the payment to any other address a f you use an
t WAssknf f cft by WM brat Yrheon any day wig be cranked b yo rAcccurd as o1 tat der Payer. •ds
A,*rwlwifltretday11viihareni?latedynururikellipesolid yne ztyatestkD• L POU't
r mlent Is ritkancd unpaid, os reserve lie right b: resubn t;< on Hechcald dstw
and year can salt up oubn atic paynserrh. Cog us at 1-800.347-2683. You wig toed tots slatenrant and you
in your hank wzoul, and at transactions taus legibly wdhh U.S. taw. You vAl be:,rfwd to pm fde etc last
rw of edmrie sipratue, you WN be alpedn to the xmhuri2a8un to alow us and your twak to dadwa each
rnbiwe to your bank acmu t. as applicable, to rotted do erra In the prcoesang of such payntmlL Yon (r m
`knmmmPayment Duo alhaNew Bakatceansashshlmtuni tlwranrmcd P7PntinLtKwavw to
ptayroeni. You may ram us by plots at R M 30•2CM or till null at the address 93W in He xeriws
slafarnent Ydhert your payrrart will bo redo and haw nhuch i all be. Your nutmaAr, payurcax areal nay
; appled during fie bWM cyde.
reaus. tale Min erilk missed Payments, of other defauils as your Actount may be regECkd in your creda
;re:dli tnparting agaac ies e0i nio nth. N you bdLw t0our rcyod is inaccurate or ncornple(E please mitc
5318. Neale include your rasa. address. bong kfephone nw bar aa! Afaxwwl unhdxir.
c Finance Charges m toil kw4=katr lion lee Thansatlbn Data la ne Iransadwn strynwh on yax biing
e bit period in ndleh II occur, ih YAA rstso we begin b unitise Periodic Fierce Charges m that
cmewhL We continue b knpose Pemdc Fiance gtagyes udil die date you pay your cattie New B Mrice
rawer, t you paid are Now Balance on your previous filing slateuwtt by 11o Paymaht Due Date shown
n purchases, Fiat is, puchom. flral appearing an them" biting sfatmNit. crany porker; o! n w
e cal lNa ere' grace pedal. Tlkre is no gram pulled on bafarsca transfers or cash advam es. As mxv
Apply Payments, we garler,Yy apply paynhents b yf urAaaait based m the Anmkt Pr :a age Role
rota lay tie New Balance,ah therxrreM Ming slallunail by Be Payrretti Due Dat!shmmi rxi e::d Laing
arcatage Rules on Otter balances. you may not get a grace pw ki d on now purchases.
AMnktturn ?nanw Charge. Wa va7 trrvge you a mnuiwnt FINANCE CH GE of 5,W ki any bflug period h vhidt Prvfadfc FtnalKaCh,f;,s of bss d..n S.N11mdd mhenw>e Do
kapural.
Annual Fee. N yourAcco" has in moral fee, 11 wit be billed al Ulu tiara) dot each miniwvsary year your Account is open. The ama %if rd the tee aVmrs ai lea; slalnrrerl ttfiun lire
?J..,1 T' w <lhr is -Tenet eel.!• w, it rrlyucfiuy:o •I,n sapu •e ? D• •r: -if die of ka adt•
,.coy rYIN cal recerve rhkr lew even if yw use your laud dwnxj tfiatpa .
Ptirgdk Franca Chars. Nee fad yawtansactuny ido grails of par , cash adywoms, and bsalaice hampers and than tauter soft Ode barsaclkvr• w ion each on an Ly
Il,e r Anwrral Percentage Ran. For eaanpfe, purchases s 9*1 to a picnic I rate and purchases subpect o a stauubrd rare amid be rep rata groups. use refer w liege grasps as
hart odd tategalas.Af to am d'mc h Along period, we corneae haw ;in and Periedic Finalize Chavgex breach day of thusbilling glutted kx each tiorr xlion rafre,)ory. Mle use the
IaWWolitu raliontocw4*ftPeratcFaratlceQegesfaealsk l+akgory:
toys in bNrvg Pautud) times PH IV
You ?r?l Mktpw Chor9e Swwwry on your biting slhk?re
oral France Chhargels oryourAaaxax• The Average Davy B;
bassi ran category. The Daiya periodic Rate is 1138501 at the Daresp
Vie age theAvmage Daily Balance lrwkAbi; new uansaclaa) nick
B*W* kw each korma h n cau gay by afire up all Or duly Irlaw
Wo gorrlfsdk the daily balance for each bansactlal calgcxy an each c
day as shawl an yvub6g Aasontrnn, undess flu- tr msalim is posit
ro datybwwwasoifx first day oftlaltlmiingPelted InwflichAk1
andby Ow subtracting any delft and pnyn tints that are ap
the paid, we caulk! -the'yxauio as dny'a dally IWabW to at
At"charged b Voila Actaall ere added to the standard purchase t
appitabte cash advance transaction category and B* m Transw T1
base amounts. Then coo add up ha Wsiddz Finance Chagas for each trarisacfron category to gel the
is sbom as zero t, Kecauso of the gram period, no Peruse Finance Charges Yply to Ole battalion ki a
kubirng tie balance upon winich we impose Periodic Finance Charges. We uvrgxac ire Average Daey
KM penal or a baraamin MOM and dividing the trial by tie ounba a d ys in die txtag in:nrul.
irst aMivj eta talaxvtg to the prevru,rt day's dairy trelmw kansachans oft a TIaisacibn Date of died
urAocaml olorfte dace olihe 1>K»g grated n v4hkh i rr cos, n which carsa: Ito amnseaion wig br o4ded
to yr rr Accoww tees Granted tl+el stay and Pedal, Fiume Charges acarW on gee predws day's L%'Ay
land gee aWlign" of the tranw-tcn calrgayon that dthr. In -.alcu4alig the dally bater _e for tae irst day at
your hal nce foreaddh bansnrdlan category m the last ray cot ywt peetians tignif peutDd.
iexncaka,;aywMhihaaxewPNahnlt:xshAdvanceTtaRSad:!ixh ?eeFkanceGh.?Egws..Ani;haE addedG?ix
bn Fee Finance Charges w c h are added to Ore aP*able b.>;nre Ir.3n4er hatisactm.:at oiy
For XDD (Tekcarmwrtitaions Device for the Deal) assistance, pleat call 1.800.347.7449.
Dfsmver troy ratanor adW heard tafophuho pie Udw-,w you slid 'Disf ooer refuresaMak:os for quaky assuiaruo purposes.
)32810 The. Discover cud is issued by Olxooi r8ank Welber FDIC {
PA0210
DISCOVER
1, pays to PATRICIAMEIXNER
DISC.UW Account number ending in 9400
page 2 of 2
Finance Charge Summary
Nominal
Fe
e?
Average Daily ANNUAL ANNUAL Periodic F
e
Daily Periodic PERCENTAGE PERCENTAGE t7NANCE M E
current billing period: 31
g days Balances Rates RATES RATES CHARMS
Purchases $2,213.44 0.03627% 13.2A% V 13.24% $24.86 $0
Cash Advances $2,839.10 0.06573% 23.99% V 23.99% S57-8A $0
V = Variable Rate
Information For You
Notwithstanding the payment due date on )his statement, if you paid the New Balance on your previous billing statement by
the Payment Due Date shown on that billing stotemerd, we will nat impose Periodic Finance Charges on new purchases firs)
appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing
sMbment.
9578334
Questions? Visit www.Discover.com or
call 1-800-DISCOVER (1-800-347-26831. DISCOVER
DISCOVER
New Balance f Minimum Payment Due Account Number ending in 9400
$5,019.04 I $101.00 Enter Amount Enclosed Below
Payment Due Date $
March 28, 2010 Tne pay pnline www.Discover.com or make
check payable to Discover.
02 SDSN&A01 0005040
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Address, email or tolephons changet:
Go to wwwMiscover corn or print change in space above.
Text APP to DISCOV' to receive a link to our
free mobile app and pay your bill to seconds
from anywhereI
PO BOX 71084 111111111111116181111111
CHARLOTTE NC 28272-1084
1,111Hill trrlrlltoIInIllr11111111diI[All 111rlrtittlllttll
000U01986458214473213050190400103000010100
Opening Date; February 3, 2010 - Closing Date; Mar
Discover More Card Account Summary
Account number ending In 9400
Previous Balance $5,034.50
Payments And Credits 103.00
Purchases + 12.98
Balance Transfers + 0.00
Cash Advances + 0.00
Finanw Charges + 74.56
Other fees t + 0,00
Now Balance $5,019.04
See Finance Charge Summary section following Iransactiom
for detailed APR informalion
Credit Lino $5,300.00
Credit Line Available $280.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $0.00
You maybe able to avoid Periodic Finance Charges, see the
reverse side for details.
tSeo tramoction detail for u description of any fees charged.
Cashback tlanuse
Anniversary Month
February
Opening Cashback Bonus Balance $ 7.72
New Cosh6ack Bonus This Period + 0,00
Cashback Bonus Balance $ 7.72
T. W. mam, log in at www.Ditcover.com and setecl Rewards
ch 2, 2010
page 1 of 2
Payment Information
New Balance $5,019.04
Minimum Payment Due $101,00
Payment Due Date March 28, 2010
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs For new
transactions may be increased up to the Default APR of
18.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in Interest and it will
take you longer to pay off your balance, for example:
W
?
.
M ¢
., i
Only the minimum 20 years $17,401
payment
$185 3 years ,655
[Savings - $10,7461
If you would like information about credit counseling services,
call 1-800.347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Distwver.com
1 Access your occount securely d www.Discwmr corn Access free online tools like Paydowa Planner to create a plan
2. Call 1-800-DISCOVER (1.800.347.2683] to pay down your balance, securely access statements, pay
Please haw your Discover® card available. bills online and easily track all transactions
3. Write to us at Discover, PO Box 30943, Make your money worth moresm-find easy ways to earn
Salt Lake City, UT BA 130 and redeem cash rewards
for TDD (Telecommunications Device for the Deal) NEWT Access your account securely through your
assistance, please call 1.804347.7449, mobile phone
Transactions
Trans. Post
Oats Dab
Payments and Credits Feb 24 Feb 24 PAYMENT THANK YOU $ 103.00
Other/Miscellaneous Feb 10 Fob 10 WALLET PROTECTION I MO 886-802.9639 UT 2.99
Fob 22 Feb 22 IDENTITY THEFT PROTECT 804347.3089 UT 9.99
See reverse side. DISCOVE®
Inhpi}nerd Information. f chore is more Inan one page to this lfllnp slur see der bards ti rear page for aatd'Aicnal iiporta d i formalion.
Ste yourCarchertilwAgraemerhLYourGrdnhaMraAgroearehdcnnlai re Willie leinnor your Accaad.
Lostlor slolen cards. Report iareri.'delyl Cad 144.347.269a.
80114 Rights Sttlismir. In Caeo ul Ems or Questions Abocf lbur OR IT p It Rink your but Is wrong , or it you newt nhae in(omaion about a Lalsnton on your bit, write b ur of a
M#k"W sheaf d paper at Disixim, PO Box 38421. MAl Luca CRy,UT 841 21, as soon as possi4le.1% exist hear bran yaI no lider a ran Odder- tiller we sere you [lie G-t {ill an
art, toorteror prolAemaptionnsl.Yourantaephwrars.laidoing sovdl Preserve your rigidxlnyumfelktr,gveisthelugams3inforrnatim,
t name and AE=W number.
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Ddxabe greens and eupmfn, Yyou an, whyyou her eve Ihare fe an g you need rue bait ion, deK&e the norm you are unsua aacd.
You 00 nor hue b pay arty airoUM in question when via #e inw?sllgalNy,! you eel stn oldg:led be pay Ihr rests of your bill dial are nal in queslon. Whale n@ kiveshgate your
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quespor Pe cams repel yddr aS dhOWII u t+ie any action Io cried fie l
Sped :W RUIe for Credl Card Purchases: g you have a problem xilh lie qU of yowls or services Died you purchased! vAl a credal Caryl, and you ha,4 vW in gcUd Dally to correct
lm olrolultion wMi lie andwit. you may not have to pay the reMsiang der or the goods cr ser%i . You havP. this protection only when Ihrr purchase price urea more Mail $.50
and prchoserRS mode in yaw bolter Wle or wAhirr 100 ales d yaw g adios-. IN we MI 01 uperale the uteri ant, a d wli mailed YOU the advwtderhie n kx Ua gawk cr
wpliGes. all purchasesse Weeled regardess of UIe ammmirA qr localim d se.)
Sand myytar peymeMarld Ure lap pdxlion of this stalhrnerd In envelope provided Do 7101 solid rash. By sending your cheek as der dlha; dxrm.. You authorize usto
tree naYai a1 yaw diedu tamake an alacborir: lead hUMkar Amur your
H of aFUre Potential nsikitial indicated un your elled: or fv paces- the peynlait as a mad! tr.rhsactirn.
IS processed as nn t on! lead Mister the bffisler wit be far arnount of ore check. Minn we use Urtormail n Iron: your ditick to ntake an ehrJrmr fund Irarskx,
M* may be whivirasn rran your mount as soon as as same day Y"* your payment. and you will rat receive your meek hack Urn your rnanrhvt insudikrr.
r ig dyaw paynwM any bettetaled it you south ca4tr, or ogwr dens with your paynow, if you mid the peymied to any odw address err I! you ilia ?'n
o8ier ihsth hhe line Moviiled. PayrnenK received in proper lam M processing family by 5PA4 nasal fine on any day Will be c6chkk) to yourA ould W al that day Payrliurds
received B arproee by fiidfdy agar 5PM to al lnae WIN be aedlwl lo Account as it Die rest clay. R you time rrisplarald your enudope. sand your payment m Dsccvec PO Dox
510, Card Skeism Ill. OD197-6103. f9rnk4i aloes .i-10 days for deivaly. If r pdyrrlelll Is tenured unpaid. we reserve tie right to Iastitar ' R as ai chronic dat51.
Witig an My your adi mean payinenlaagreater amaaAover the MW and you can ash up aUlorfatie payments. Cal vs at I-TA)0347.2 a3. You note need Ihw starxmanl awh yvrr
band l oVOA Woraahan. Y(h MIS! maws that SUlldanl AuiQ5 arc oval In yap bards acmirlL and ai kersacticni muss comdyvdlh U :r. bur. You ie bar skaJ b pccvad6 tbe i st
5 day sd youramorwd staWnwM 21' wale. By Unit y dies i mirfxds as dockoni sigwlure, ml wl be .9raednJ to this oulhedzat n It, allow us and your lahk to dwxl each
patird ent you nulllaaa ham your bank owwrd, and to a Dale derbil nr erg ides to you bank accourd as applicable, to tartar( an error in nor processk>4l of such payment You r"!
UAus fieamuwrtof each yrayaresdoryoucanWeaall arrounleudras KnrartPaymeMDueortheNov, Babioceaneach salemarr Yarc.aricancef paynant.horntvar vo
rnsl rrZene iOw at keg area b etirr 9 days Ui advance d tie sched paylnenL Yes nr+y nctiy rs fry phase al 18oD•347-2u83 u try niAl at Iho a lei hskycl uh the ratio s
praV meth. I ywxpoymmis vary in Stormont, uw vA kY you oar ends monlN slalemdil n4hen yl1Uf payiis?nl 15i1 he mode and lur'x Hoch it wtl be Your auk:mai .laayrnenl ahrxnd ,nay
be Iei n Ilan iind aler! W the maif4y sUdernelit based ai credit or pays ' appled during the billing cycle.
Crep t Reporting. YYe rag raped nkianafen WoutyarAmouM lu credit nitre. Lau papnanAS, nHSSad payirsnls a afore rlalapAs an yrurAax cunt rhuy bar reeaded i ydu cafU
repo War rxamaly to rat fr • elaWs tud,l eylMUd lrlWery d ynur ilcxarnl credit report agonies rah with. Ill you below that our repel is inaccurate of ithivir kit please wrae
us at pre lollovii g entire--: Dreuover. PO Boo 1531a, MAngli m, DE log 5316. Plem mdude your name, Wdross, lam teloplow rwrrLier aid Ao ota . hunter,
cra p Parked on Purchases (at [aril 25 days), Yee bcgn kaaaiyrlxe Per Fnmae Cargea on all bansaclan>s front the DwsacAml Date its tine transaction shorn oo your ItA g
stake haU. uufxs a Iraisar:tinn is peered to your fvxorml OW the dose of filling porlod in which it occurs, in which rasa we ligln to inpas . Pollak Finale, Charges on dot
Ira fro The find okay of fur bSm pwkxl n Witch ft's patted to 11 Yk withsw to Impose Penu>dic Finance Charges until Iles date you pay )ur entirf New B:Aance
M rary0urblkirgstaferrhart4llnekingpayineMSrxracrrivrlgcrodds. -anon,Byoupaid theNowBaaanureonyarrpzwmhUbrayslalenradLythePaprwntOneDate shovaf
tai ATag satanad,era tAMsal Mtpose f4eriadr-finance Charges on pur.hases. that is, tlambaees Ills! i ,grearing an the :un tik t+AGrig station rd. or any pol3on cot . m w
pirdl ese. pad by live Pa"wird Due ogle on Your current bjing srcdenuied", cal Uri fw'Watce pe oil.' lhae is iagrace peered on beta ce Vaasfers or =It raCisoc is. As nwxa
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statix hent Iron, deper)ft on Rio rmou d d your payinrd and the Annual arri n4'ajo Rates on (After batincea . you may M got a grace period on new ptaTlaeris.
Al'ndn mm Fkance Charge. Wo vAdharlye you a afninum FINANCE CH E d 5.50 br any L fug fa lien h vdich POD l r. Firusx a Clames oche-- dean $.fi(i wuki aft rM;(! be
vrrhoil ed.
Annu al Fee. I your Ac nil lies an annual fee. it YA be NIled at Die L"Ild g W ea'h anrrrtasary war v nn A is ohmr The aawrr ot 1 e fore ug try an D;? alalerrxrd ti lie ,lira
h.:. h ' b Th + 6r n A ?Aaida *-unit y( Illy U4 lh.n a n ' h s-. y+se A' is or •? it +n?ihr:g -(F. 7 date of IV. 5: .1 11
bilked; You vil receive dos rerud even if you usu. your f aid durLg that
PaiW oic France Grego-. ftstat yar k;in itms nho gawps cipu cash adva>cos, aid balance vansfas and then funnier sa.1 the Unsa Gans w ish u Al 91(E111 by,
iUral NawUl PercenLga Rake. For bUeiple, pureh= aubjW1 b a pr• at rate and porchas% s*wA to a standard rare would be sryrarato cyw . We refer to these gnrips as
bar *lkmt .Al themiddeach lphVptmrl,weournpifebaW ark] PorledcFinanceChagmlaeadadayddieWittig fH"61brewhvibasal;6WGlY:gory.Weas^Iho
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roof . Finance Charges hr yourAtocautl. TWA,eraga W1 Bali s sliuus+i as r.6ro ill, lrcausa d Ure gr r: • per al, ro Prrkslu Fii me Cha gr apply lei ll:fi ba:Lu a tit a
I!a+s¢ C1gn cafegay.11.9 a* Pedo& Rate's 11365M WAD carq-k Annear Perm"pu Rana.
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day a 4 shOgl on errs bfing sWtermaa, uwkss dhe tram ad on Ls parish to A(oorud after the dose at Iho billing pedal In vAdrh it ooDirs. k taWh case the ip&xlior va!I M: added
bdw denylord( oresdfmfirstdaydfrobicgpanederrvdddhitol lDyusAcruucd fees dinged that day and Poladll:FinanceCli t em aasckdondteyxerias narys•;aly
tk . end by Urn suttraclag any cre-dda aril payrvio is that are appl' against the IctaUti of the tiatisactnn catogcy on that day. In can arig lie dLxly balance for tho 161 day of
?
t}k'? lg paled, lime rmsHlc d1e'pferciws day's filly L7I. HIr$` a h lye
N yaw balance. her Oartr'bartiadirkn txtegOry on Ule knstltay d y: it prF.4Aaia tifaig (xllir,'1,
M chdrg IG WWAmuiod are added le Uia d" viand prchase k his lion calogary with the 6aep ou of Cash Advmw TrmisatA'o Fee Finance Charges lilt h am 1M all to du:
cash advance vartawkes *-WyandBakrriceTrarsferTram on Fee FnarrxCharges wisdhas added to [lie appticabkba;,fhcelrar>6Vareacg;n:airgdy.
For T OD(TelecommunfcafansDeviceyortheDWIasshterrco,pleas call-800.347.7449.
D!scovet may m nl.•r anger record cola fdxuaa calls bek aea yvi and Ili +er rer'iE9allfafii,eS to.! qually assurance purposes.
4,'1110ThFIAea)ven'can1 fssuadLyDLsnxrBak.fldtdborFDIL PAW10
DISCOVER
J It pays
FD1.q to PATRICIA MEIXNER
Account t number ber n
ending in 9400
Account
page 2 of 2
Finance Charge Summary
Nominal Other
Average Dolly ANNUAL ANNUAL MW
DaJy Periodic PERCENTAGE PERCENTAGE
FINANCE
E
FINANCE
current
billing period: 28 days o8 lances Rates RATES RATES CHARGES CMGES
Purdwses $2,223.77 0.03627% 13.24% V 13.24% $22.55 $0
Cash Advances $2,826.36 0.06573% 23.99% V 23.99% $52.01 $0
V a variable Rate
Information For You
Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by
the Pay &%t Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first
appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing
statement.
You're going places. Make sure your savings are, too. Discover Bank provides the stability you want, rates that have
consistently beat the national average, and security through FDIC insurance, up to $250,000 per account. Open a CD,
IRA-CD, or Money Market account of DiscoverBank.com or by phone at 1-88&7283212. Please mention code MSG0310.
Go paperless and make your account informatian more secure with password-protected statements only you can access.
Learn more at discover.com/paperless.
9578334
(Questions? Visit www.Discover.com or
call 1.800-DISCOVER (1.800-347-2683). DISCOVER
DISCOVER
New Balance Minimum Payment Due
$5,013.84 $103.00
Payment Due Date
April 28, 2010
02 SDSNWI 0005041
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
,2010
PO BOX 71084 Illnrllnsllunslr??n?r1
CHARLOTTE NC 28272-1084
Address, e-mail or telephonechangaV ! I!I„1r,drllrr,lr,lrlrrJlllrr,lrrir?Ir?IlrrGrirrlrfrril
Go to www.Disc~.com or print change In space above.
000001986458214473213050138400101000010300
Opening Date: March 3, 2010 - Closfng Date: April 2
Discover More Card Account Summary
Account number ending in 9.400
Previous Balance $5,019.04
Paymenfs And Credits 101.00
Purchases + 12.98
Balance Transfers + 0.00
Cash Advances + 0.00
Finance Charges + 82.82
Other Fees t + 0.00
Naw 8 FXS - 5,013,84
See Finance Charge Summary section following transactions
for detailed APR inlormatton
Credit Line $5,300.00
Credit Line Availa6le $286.00
Cash Advance Credit Line $2,700,00
Cash Advance Credit Line Available $0.00
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
tSee transaction defoil for a description of any fees charged.
Cashboc C Bonuse Anniversary Month
February
Opening Cashback Bonus Balance $ 7.72
Now Coshback Bonus This Period + 0.00
Cosh6ack bonus Balance $ 7.72
To lean amore, lag in of www.DiKover.com and .eleu Rewards
Account Number ending in 9400
Enter Amount Enclosed Below
$ 1 1
Pay aline at www.Di r com or make check
payable to Discover Phone and interest
payments must be made by 5:00pm ET for same
day posting.
Text APP to DISCOV' to receive a link to our
free mobile app and pay your biu in seconds
from anywherel
page 1 of 2
Payment Information
New Balance $5,013.84
Minimum Payment Due $103.00
Payment Due Dale April 28, 2010
Lab Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a Into
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Default APR of
18.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
tfyr
n•{ w:w } . . ` ?w, ' y..:S
-a J
Irwa.................
................... ........
Only the minimum 20 years $17,330
payment
$185 3 years $6,661
Sevin s = $10,6691
If you would like Information about credit counseling services,
call 1-800-347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
I Access your account securely of www.Discover.com Access free online fools like Paydown Planner to create a plan
2. Call 1-800-DISCOVER (1-8011347-2683) lo. ay down your balance, securely access slatements, pay
Please have your Discoverer cord available, bills online and easily track all transactions
3. Write to us d Discover, PO Box 30943, Make your money worth rnareS4' --find easy ways to earn
Sale lake City, UT 8,4130 and redeem cash rewards
Far TDD f Telecommunication Device for the Deaf) NEW[ Access your account securely through your
assistance, please call 1-800-347-7449 mobile phone
Transactions
Trans. Post
Dale Date
Payments and Credits Mar 22 Mar 22 PAYMENT THANK YOU 101,00
Other/M ocellonmwz Mar 10 Mar 10 WALLET PROTECTION 1 MO 888-802-9639 UT 2,99
Mar 22 Mor 22 IDENTITY THEFT PROTECT 800347.3089 UT 9.99
See reverse side. DISCOVER
Imponauuhdormadon.NInereisnwmgranarepagebdarett stationer ,sea ale back ofeachpagefor addlipindk"tardinfonrubcri.
Sae your CardmembvAgreemaN.ywCaNmrndrwAgmehi ntctntalrp tlbetemradyvlrAccwnl
Losl,.or shM cards. Raratl Yatnadcdely! Call 1.800.317-16011
Ogling RWhls Surimmryc in Case of Errors orOmOormAhoul {taw BD: N think yourbd is Wrong, or.f you need Pore inlurmabon about a I aimcbm on yea hill. was to us on a
sepejalesheel d paper al Dxcorrx Fb Bmc 3421, Sall lmkeClq, UT 841 2I. as soon is possible, We musl hem fpm yon noisier than GO days anal via sent yw din ihsl nil
which be axar or problem appeared. You -at te.;ephme us, but doktg so 16 preserve ynm righls. In rout letter. give its the fdloWwg iltfenaliet:
Your amts mdAccmd muaber.
ft dodar amamt ul Itte suspected urar,
Descbe dseeam and e>pliso, tyvu can, wfiy you billions be is an . If you need anxa information. describe Ow item you me. unsure Wait
You 0orathave. totrayanyantomttng"Am+dakweendatvesAgaang,t y-uuaresiftulalgaledkapewthe tans of your IA Iurt m:nd'nqu sttmtWhit.wekneslgateyour
gresdm, we carat repot you as deMuprad a take any ached tocoW the amount ym quesim,
SpeolaI Rule for Creak Card Padoses: If you have a pieblernrMh Ins h of goods or services Ilia(yw purchased vlth a mA card, and you have YW to good lath to correct
8a: p)ohkta VA go mddmm, yes may net have to pay M mnisnitg wno *) due of due guois orserv ms. You tzars INS pmleciral only MK-n fine purchme pans 4-A ma! lhm 5!
and he prrchm was made in Vow aurae state or Wllun 108 mhos of your 'rag address. (If we awn or ecarate the merchant, d We mated ;wit t a adverlEamirN Ir ho goods or
sr *m, al purchases are winarsd regardless of Uuamavd or hrca6on of ase.)
PapwdL Studyew payrn¢n1 and [be lop pmice of 1Nsidetermm in emx4WP. pnrvded. Do nc send msh. By sending yea chock as dosclled above. yw auU: r¢e us to
tee W nwin m yea dreck bs;nkean elacrmic kind kan$lu ton yule om[ al Ora fratrial ereWulion mdimW in your dm* or lonoses the peyawal as a chock transaction,
! pay?nurht is proceSSod as an rttatcrmk brat htastec Ute trarsbr will be ye antow • of the dtedd. yNtm Oe use blorrrr#lon from your check to ntaY.e err decrees knhd rxsliu
krnd9 easy ho aiikkawn Gun War acca ni as soon as der same dry we r 'x yaw payment, and you vat nob rP.caive your check bark horn your fehaa.ial Mlitikon.
The processing d yew payrtyerd maybe delayed gym earl rash, Bit or odWr terms Wih your payment, dlym send dm parowl to any cover address d ynu uu in
envst other that gm ma WAded Paymanfi maned in papa fumy at pmcpassing kc&y by 5Pk110CDI tniean any day vrA be sealed b your Amouni es d hat day Pa ya* ds
re-ch d A • xrsstq it At Dlter 5PId focal fine a •A be crested 0 Amour as i the nez! tray t ynu hem na planed you anti rr ?end year ?arrnml le ikiLmai, PD Bas
6103, Card sa'zain IL 6019/ti1031 Itraka ik w r-tU rays fx livery. II y t paynwnt b relwr sd meals. lea reserve t a right L rsb t des an ewexark dab
You can pay your nkttnwa paw"It of egrea4ar amount oreftlhe letep ici and yw can set up au mx* payments. Cal us al l-004347-2683. You will need is stab;nwnt err d your
fmNtlmcaadinlonrw[m. You must W&M flat adO ft" are, av In yea hank amount and all limisnctions msl canply Ydln U.S IoW. Yoo well he asked to prwde dm Ir A
5 digs of you aoemadshaemerd AP axb. By enautg OICae nwrlvaa ale r ekiclimic signakve, you vil tie xjee ng to ails avhxwtm tta allow us add you hank to *A, I oacih
pay om you authorize roar ynw bank account and to h> k*4ebd or vedil lilies to your bank accaeN as apphcahta b corned an anon it Iha praesskg al such paywent .'ttn r, jsl
to us the. amiss" of each paymatt or you can select at atadvd ouch as M mmin Payment Due cr the New Balance on each volamem You ran cancel pays", howevkh cr•
inusitt e'ne nonce a ! imW duce business days In adtaam dl lha scterhi tayrnanl Ynu may nodfy us by phone at 1-800341-2683 txtrf hag at Nay awkess listed at Un verity:
paajraph. Syor paynra Ns vary M aoamL we nit kql ymr m oath nreWl smemad Wimt yer y,ayitxlnl W11 be leads aid taw much K very bcr Ycw auWmalk earn sni amaeN n±ay
1* less drmindicated co themonthly sla6ernrsNbased mrcrudiborpapn spptedduring the WNingcydu.
Creol Reporting. YM nay report itlenlrA rt shat yarAcewra b cedd reads. Lale payments, missed payn'ients, orother dnlarils al yae At many nuy lie nr9acred it your metlit
report. Waomm* report the sleds aid aaynnnl'Nskr7 o1 yourAcmurn credk rgwrthe agencies each meth. II you brave dal our KTM b inacour ice x hncarysle* phase w le
us at One kltnrta3 address: Diseased. PD 13ou 15316. Wfthj n, DE 196 5316. Please irO& your oamr, address hoine Wlephaw injilrW anti Aaomtr wither.
Grace Porbd on Purchases (at Isaac 25 days), We bean b inhpcsn Finance Chagas on all Iraneactas Fran the Transacixt OWe kx the baroaa3hot sham on your billing
sla Aterg. unim a hensacbm is posted to yewAcrx mt WOW flirt class Odf blfng vAod h dldt it occurs, in which case we begin to ithpou Pwkrpc Finamc Charges, it aW
her plot great the rhea day of the hiring parkhd in %Wch it is posted to yaw tonal. We amide b inpase Periodir. Finance Charges mill duo (Wyk* pay yax rndrr Nex Halanca
shown on Vow hW1g sdatdhsaN try m+ikrg yi ayniads trrecdsig rnrdtls. hr, a you paid the New Uance on your previous billing stalenrant by dine Payvrr.-m One Dale slhuko
cn UrM litagstatmhah4 wewil not igase Periodic Fnatce Charges as purchsns. Thal is, pivdiawe lust appearing on tlw current bir" SWIM a or ally pudtn ru n w
pant pad byline Paymeist Die Daly on your curter l btbag WianeN cagy Ihis the grace period' There Is no glare pentad m badam.e tranSW of cash adaances As trials
+mMeal in Nomk*ndya CardmembarAgreer"ll. jHm Ap)PyPaynwi,'WegenemkyapplypaorenlsbyrurAauartwsedonlImArmualflomentagaftate
lily
appleAle In die balance of each tansacbm category. TMs heaps dial t de not pay the New Balance let Ole current bd'ong steternal. by Use Peron Die Claw sihawm ohh mar L•, ant
stalenen4 0ia6 da?0ndatg oil tla mnoura d yo rpayinenlaM lheAnnuat orntaga Rates on hltier balances. yvu may not get a grace perhd on new purc!roes:
hihftum Fiance Charge. We ,&ii charge -m a niNnrrm FINANCE C GE a 3.:A ice any h8gng pwiad in Which Portals Fihan:.r Cheryl-s of h ss than S.StI awr?kl a darrnse [r
imposed.
Annual Fee. N your lk :sum bas an annual kr:. R,41 to bilW at We bagkm ] nl earn anniwrsahy year err A! lea kli L< / f la Tlr ah awe oT inn kc aruwa s on s e sWivnv rl xi. me
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idled: You VA raceive des rafutd even d )oil Eme Your Cam ([Ling that I
PatloldicFinance Cltazges.Wesort yartransactions hdogfoupsofpui es, cash advances, amlWilma wansfasaWlien laNhersatdtevansact'ahswllhiteach Taiphy
their *vxW Percentage Rate Faample. purchases subject to a Oe and rnrchases subpxl to a standard rate Wuuid be separate groups. We rifer to Ihuse groups as
hmWkn Palegodss- Al die end of each Wing pahiod, Wo cptpute It Va
and Periodic Finance Charges for each day of tie billkrg pat at fm each limxacion skigeuy. Wem the
c
to
Wa?ntg equation toconyuke Perkilk Finance Charges ku aacn trans
ategory:
(Average pa7tr e3lareeJ Amos {lore in billing period) tines (Daly Paindc into).
W? 8O??,a
'
v
Mk r1rlp?VihaaraChahrga3uwnaryrnyar ?sbalemDm
You thesaamovuls.Tteen svrh add up ahe PerWicFinance Charges iorearhtrensacliai:alhsgexylaget tha
klA Rate* Fronce Charges for ye rADwrrnh. The Ave age Daly Bala s shako an uxo P. lhecause of dire graze period, tic Peaihdr: nave gorges : to IIx batarm : in a
gchoil calegrxV. The Lady isd c Rate i311305fn rNrhacixmspurr
r vts Po
Annual Percentage Rae.
a
We uselbeAveragelhr7yBalance (mctilkill Invisacfans)mrlholof kddalitgDiebalaoeupon wihichweirnposePabJhcHomeCharges. WecrnpulalheAverage Daily
Balar?a for rmer taroadon sodomy by aiding np al 'he daily balances i hiq
ng p3riedl let a iansackin cilogtry and d6ding the kcal hY h is hu nb odors in the tilling pu;mt
VW egroliale the dally balance for sods transaction category m each day i s! adding the inllvnrig to the prevous day's scaly balance: hm>sau e is vin h a Tea sa:fkva fFa1e did blot
day at shorn on yaw bifrg stNCamid, unless
Ihe Imnsmim is pmW to AccanR e8er the dace d Uw IltYhg nanW in vAtih:h t ozum, in which ma rite rmwict on wkh he .ekkai
,
ve awldail/ bakanLV as of tea r<ri day of the bAfrrg raerad is which t is to yourAaaad, ki s charged! ghat day and Psritdk: Fiance Charges s=i=lo on Ow prelude :tys hotly
ba?hpo. aA by ([hen sddibaaatg any credds and payamvs that ere agaxW tall ialurice of the Iratsaction categoy die tmf day. kin uxculating aeeraily hafana kx blur dust Jay of
the bi M period. we wissshx dte-praw sus day's dally bafaicif to have d your balaann kv each tmnsacnat category, on to Iatl dary cd ynur pravkueh Idlkog period.
All km dwW in your Amount ere added to tie standard purchase [rains m canter wits to ela:aptdn of Cash Advance Tra>sackon Fee Finace 4:argas vAt -it err ; MA to Ihr:
applil cash advance traisacm emegory and Berardi Transfer T. fin Fee Finance Charges Ouch are added to ire appkc l* Valance transfer liadhsaeton :al?nsy.
ForTDD (Teleeooesunridatimn Device loll the Dean asst Hates e, plea call 1.900.347.7449.
Discoia any mmiilorwdW retail lollop horna its Wtueen you and or
repiosenimives hr quakly assUrance purposes.
02n10 TheDisccver' card is issued by Dacwa Sauk, Member FDIC PA0) ICI
DISCOVER
I II pays w PATRICIA MEIXNER
I
DISCOVEIr Account number ending In 9400
page 2 of 2
Finance Charge Summary
Nominal Other
Average Daily ANNUAL ANNUAL Periodic Fee
Daffy Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
current billing period, 31 days a nc Rafos RATES RATES QMGES CHARGES
Purchases $2,144.50 0.03627% 13.24% V 13.24% $24.11 $0
Cash Advances $2,881.68 0.06573X, 23.99% V 23.99°! $5871 $0
V m Variable Rate
9578334
Quesficin5? Visit www.Discover.com or
call 1-800-DISCOVER (1.800-347-2683). DISCOVER
,093113ce
DISCOVER $5Now Ba
02 SDSNWI 0005042
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
F-..__.
i Minimum Payment Due Account Number ending in 9400
L$141.00 - Enter Amount Enclosed Below
Payment Due Date $-`?
May 28, 2010 pay o We at www.Dis4wer.com or make check
paya to Discover Phone and Internet
payments must be made by 5:00pm ET for same
day posting.
Text APP to DISOOV' to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
PO BOX 71084 Illurllnr{{run{,{Inlr{
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change4 (alrl?,:Iual,!lnrlnrlnlnnllfLnrLnlaalr,UrnLn6JnLJl
Go to wwwMiscoveucom or print change in space above.
000091986458214473213050931300110000014100
Opening Date: April 3, 2010 - Closing Date; May 2,
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $5,013.84
Payments And Credits 110.00
Purchases + 69.01
Balance Transfers + 0.00
Cash Advances + 0.00
Finance Charges + 81.28
Other Fees t + 39.00
New Balance 5,093,13
See Finance Charge Summary section following transactions
for detailed APR information
Credi Line $5,300.00
Credit Line Available $206.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $0.00
You nay be able to avoid Periodic Finance Charges, see the
reverse side for details-
t See transaction detail for a description of any fees charged.
Cashbock Dome
Anniversary Month
February
Opening Cashback Bonus Balance $ 7.72
New Cashback Bonus This Period + 0.14
Cashback Bonus Balance $ - 7.86
To Warn mops, leg in ad www.Discovor.com and select Rewards
?010
page 1 of 2
Payment Information
New Balance $5,093.13
Minimum Payment Due $141.00
Payment Due Date May 28, 2010
Late Payment Warning: If we do not receive your minimum
payment by the dote listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Default APR of
18.24% variable.
Miinum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
Only the minimum 20 years $17,835
payment
$188 3 years $6,757
Swings a $11,078 )
If you would like Information about credit counseling services,
call 1.800347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Diseaver.com Access free online tools like Poydown Planner to create a plan
2. Coll 1-800MISCOVER )1-800-347-26831
Please have your Discover* card available. to ray down your balance, securely access statements, pay
bills 60ine and easily track all transactions
3. Write to us at Discover; PO Box 30943,
Sall take City, UT 84130 Make your money worth moreSM-find easy ways to earn
and redeem cash rewards
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1-800347-7449. NEW I Access your account securely through your
mobile phone
Transactions
Trans. Past
Data Data
Payments and Credits Apr 29 Apr 29 PAYMENT THANK YOU $ 110.00
Other/Miscellaneous Apr 11 Apr 1 i WALLET PROTECTION 1 MO 888.802-9639 UT 2,99
Apr 22 Apr 22 IDENTITY THEFT PROTECT 800.347.3089 UT 9.99
Apr 28 Apr 28 LATE FEE 39.00
Supermarkets Apr 11 Apr 11 GfANT FOOD #112 CARLISLE PA 56.03
000143
See reverse side. DISCO EIZ
kapatmt kdoahation. If tteue is mere than ate page to this 106N stakdn We the ti;r l d rods {age oraddlnrsal ittpakrl ktfarrraUat.
Ewyour CwdawmberAgreaned. YO;rr Cattil*mber ACromi it mn aYrs the Insists of yourAccounk
Lost or lifeless cards. Report imwdraielyl Cap i•twt-907.2687.
Errors or Questions About Your I%&- g y4au stink yaw Mt Is w o g. or d you stood nature idunretan visual a transOm on yw 14, writs so us on a
30 Box 96121, Sall Lake City, UT 801 21. as somas posilble. We nusl Tie r from you no later bran 68 days alvx vat sera you the lest, big at
You can Islepfsma us, ltbt tong so eel pneseave your righta. In your letter, owe us the fluting inksmalar
The dote animaid to slspedad error.
DaxrbeBoom andevissr.dyou wn,whyyoulxkevelhmesar If you need wekdanialWt.desa?ethekamyouwewisure, ahaul.
You do not have in pay any anwu d in gx lon Age m are kirsllgatng. yar
aro dill aflegalN b poy k>E Waal your bil lust as not in cluestiai.117tJr. %, ervcsligate your
e5lwn.wasamot epolyouasdekttFrstlatakaanya?o(rbcdeU
tvn anvwrdyouquesYar.
Spepel Rule for Cral t Card Purchases: If you tinge a problon with Ole ' y of goods or services let you ptudhahed with a eidsdit card, and you huge kings in good Faith Maned
the problwn vA Ihemaderal. you rally rot lane to pay ft tarteetog I due at rise goods or services. You have this protections any when to purchase pr was tart than 55a
and to pndasse was inade it yaw Matta stale or wilhn I W osier of your address, of We omn or op siaia fee nardarsl a l we maned you lie a;h-erlisernent k kre goons or
saves, at purchases are rarerud negadlass of the amouat or klcaww of chase.)
PaynnessIt. Solidarity your paynteril and to Inp portm d"slatatwnt it a wid a praided. Oo tat said cash. By send ng your cbixk as descried abort you nutsmire is o
use iwiinalim at your check o sake an eleckonk: kind kankr ham your oust at fire Eanciei isakku6on Ledo: sted on your deck or to process The paynheni as a clued lratse k%
A paytsent is processed as an eleciaebe feud transter, the atsrskrvA be e re amount dfhe chad When v e use Ininmi8oi (mm your d wu tomake an ekcuwic Must trrthsfer,
iaidr "Wise sihdiavm fntin ysiwacadd as soon as tie snore day me yaw paymtrtl, end ycxn witl sal i>ceiya your check beds k<mt your 6natndal insta,dkin.
Thor prowsuu g of yaw paynaad may to delayed if you send cash, or sister tiara wlet your pap"I. 6 you send the payload to any otaraddress or it you user at
BnRtape grief m1ra1 ex1 ate prvaaed F'aymtenb recendJ in proper lam al r prooaedng fHCAy by 5f'M Meal ik;te m arty qty sit be aaikd w yaw Aaar,rd ds: d ai dt Pu)yqurng
al out moeailrg f lofty lAer SPM local iron %%A ba ma:bed b Accourt as of the nett day. If you have misplaced your Ftwekxx said your eynsent to Ddscmm. PO Bax
C•i03, Cad Sktsrtt 1L 6O11R-8103. Plana a bW 7-1J tkiys kndd very 8 u paynenl is rst reed unpaid, we reserve tle nift to wAllni k as at t5uckortir• gds
You can pap yaw identical prymmd or agreater anlaolover dw to , aid you can and up auloint6c payntnnts Cal us at 1-WD-34i -26113. You v4 need gins sudetneni at 'd ywr
lannktaaoant elmasho t Vast octal gran a user stdiciod katds aoavasa i n your bath account, and at banniUims must mnpyv* U.S. low. You. -A no msked to prtwila it -first
5 dgks dyer acmrrdstatensenl2t' ado. By atledrg stare nunthax as it elec mice signature, you VA be po" Its Ihis aulwdwools to move us and yaw bark to deduct each
payrtMN you adlalQa harsy0ur bank assent, and b kttiala debit a adder to your dank axxaAd, as appllcaNa, omrsed in error in the precessh,g of such pogrom. You mist
tell to the aaowA dealt paymanla YOU cat SWBd all amawti six Is as kknsitan Payillerl Due or fine flew Balance m dutch Sbdather You can rascal payn sdK bwWaw:r m
mustrecievetlakOe at least taag Iusiess days In advanced use, achedu pay»lenl. Ytrr nary italily nor try phamo err 1-a110.34T•2G83 err by nisi n trig aatnys tislai in W. )ntvkws
p kanydt. lyou {raysraods way ii en lead we win kdE Yt u rn axh sWxrnenl:vltm your paymrtt(wd be made eni how nude it tool be. Yutr arson a patinas wnCend may
Lie less newt katicded M rig ulorgl0y glationent based on credits fir paying applied dung the: billing cycle.
Credo Reporting. We trey repel Wornnatuo l about your Mongol in uwkl ei us. Late payrrletnls, mkiseol paynsenis, or alter delau Its lei your Account may be reika:ted it your MW
ropoit.0tkmalywitimltestakaa'dpaymealhislayofyaurA=Cc nl tredksupwingagrnceseach trioah.Ayou believe that our rapalis ina: nYeark>rnr?elt DkAriwite
its aline IcOmAng addrm: Discusser. PO Box 15316, Wdift4lar, DE 1 5316. Please incode your trains, adtkess. hose telephone nugler andAcuxvl nunta.
Grajs Period on Purchases (at last 25 days), ft begin by iepose Francis Charges on erg karrsactims trace the Transaction Dam for Use tranins,14 a awiw, an yout edging
statool, unlessa Oarmacdoti Is passed la you Acawd ahlr Am dosed billing pedal in wfkb a occurs, in which cars too: begin Its hnfine, Pododk Finance Charges on that
wanaBCom lam tiro feel day of kae Ming period in YA" k is posted w AxanL We continue to hitpose Periodic Finance Giagts and the dale you pay your ui era Now Batons
snout lei )bells s4=MW byataklg paynlants or recel ng paAs.
g +aver, dyaa pelf the New BasAAMan gash prntous filling sl:tlenuvd by 010 Prynwnt Due late shom
IMeinatl, we VA not tai :rw Porbdl: Finance smudge m
m g)rl ti6 puitt rust tits it. pudsasrr first rppmdrg an the cunotd filling slalan o, or -,W portion of n nt w
purd)ase paid by tiro Paytaaq Die Date on your arrant burg sraten i sal tiffs IIw -grace period. -Thera Is no grace pw of tin balance irtns mess or cash advinc s. As acre
1ulyQeu mite:xloi(A year lyednrenhb rAgroontint Wled-1 M Ap*PainwNa.'Mgenerally ryyypaymairisto yawAocann based otlheAnnual Pclocal Ran
Wpk(ade brie baance of each tretsatom ciagtury. Tads means Itch i do owl pay erg New BIJUKe a1 ne Lusts Iskrg stafaraml trt tie Payutent Due .its; i sltxvn or tear sling
suiestamd. DIM depaldktg air lrearrowd of your payatgt and gta Amu Peonage son other balances, you may aol gel a grace pf: wd on new purcliases.
Nininan Finance Charge Yee owl charge you a r@nkraan FINANCE CH GE d .`..50 kr any hiiig period n wNch Pause F i:iar&o Charges of Irss di=n $ 50 would othttwee be
iraxcnWIL
Armsal Fee. if y? uAtx owl has an a teal fee k wilbe Ww at the ng d m:h atu;msary year sour Acaxird is pat. Vis witwnl of die fee. nysi)aws an dw sI&Vnie d -AiLn the
use L: It: :n: nu :e8 An a L. ,+ ti dtyut ts 4;pis lih 1. a: xe d dry of. d aui.!} fit •y ;r?l -i+ F
bile if Yu mil re revs tae rein d xvan d yea tee yew Ctud rosins tl at ( e ad-
Pad (die fTnatiea Chugs. We soul your transadcm eto groups al par as. cash advanu s. ad balance tratkiklis and then luihher soil the Iranisa l sus wsEdn et ::h yet the by
aid Annual Pacartoge Hale. For eeonnpte, purchases aubjed two apron rata and rnrdtases gull d to a starndanl tale Wisidd be separale gaups We referto These groups as
uau$gioscalegludga.Allbealddeach biingperbd,lveampmabat and Periodic FirmceCharges. focleachdayofIfte.bgkrglmedttllaeach hartsaclim .;ta;Tay.We visalha
fdk*#M egeatkan w compute Periodic Finance Chagas for taaeh tam t category
gy
y
fares (days n hdilg parka) riuhev (Daly Paru3? HEta},
Ba
ran
re
(A
)
?
yr
?
?
?
?
s
Ywr?l?erN/t?k?PRlerxet?argaS'ummoryonytaxblilgstakanmt Utaseantaurds.7MxnaeadduptiePaiodic Finance Charges foreach kanuifionA ", to 9W the
total edolc Fakvxro q)ages kr yowArrsiwt. Thor Average Daly k shswns as Leto d, theCatlSa d to grxa ptaind, no Parkrdic iii nsca Ci,rges .vpply in d!e b,'a use in a
karts t cVagoryr 11te ail y Petioxlc Role IG tydt;;,th dehe cos Atrautd Pai?thtaye Rae.
Vic lreAserageaaiyBakwioe(rsAnit4mgaewkahsactatsltnethad calnlakiu-TIltebalatceuponwlirchwefnpasePerladcFnanasChan3es.We.argxsteiheAyerageD:n}
[3afa?e fa BBdh tr:ns,tA•ion catagary Fy. xiirg up al fee dally haiksrx:s n o hung {tetidxl fa a transa#kta category aid dividkg eta star fiY der andxn d days m duo Milos pornci.
We cMSpub ter eta y betas use lu er2t t aaaclk»t t??vy' lei ad) lay lrsl adding at !at swing w the prevttrs days daily tnrlalce: transactions m h a Tratawkiii D ere of that
day a? anin m y?a hlitty slaiarrted, udcss the tra oadlm is p teed ytwrAocW nl alror t e Aoso d t»o bttetg )a. it wht;h k occurs. In Mists case rho hrssackm will W a kwd
b !hQ' d by brdanog as d ate firstda7 d tier Ming period In welch it k b yar Auatinl, tan Aea-Ted Thal day and Pery>11k; Angina Chagos acenred on this pa rkrua days tady
thalanbe, ad by dies ggbbadiirtg arty raise and paynlaha eel era agaital lha batarxsi d era Iransactorr wky(ay an that day. in caVulikV he soul y balw j for the list day of
l e k (rg > rind. wocarsiis tle pttn4ras dayi daffy kdattx o pare s y nx Ira!vnra fa' leash hansaeti xh tatdgtsy on she last day d your ptevinus hgfrg pcriai.
Al kids dressed o yttrAwarnt are aldP.d b le sfatdad ptenlrass ka ratan rakgny tndh the excaptim d L':edt Advance Trta;acran Fee Fr?ute CJkxges •Nt 'U err aided k the
appkiaiia cash athuvxe tratsacien caogay and Bala ce Tranner i'ra il0ru Foe Fesantce Charges arddt a e added loge appitcavte thAzince Vrnsfir bansaakun caldg;xy-
Fa7p6 (TdtxotterunieadonsDtivfceforflwDeaf)aorJshnce, wgt^tOt-74T-7049,
DVSCDYar may In0llla andia re0ald e1 Il0iN r?? bekye0n gnu and f] rr!preSClriaaFaS 1of grotty aastxaflCA purposes.
MC TIiDLVrlvrcaniIs issuMbyDiscoverBokAsornberFOIC ) PAMO
DISCOVER
f It pays to PATRICIA MEIXNER
Account number ending in 9400
page 2 of 2
Finance Charge Summary
Nominal Other
Av roge
' Dally ANNUAL ANNUAL W oee
current
period: 30 days 1f9)fl[#443
Periodic
billing
Rates
PERCENTAGE
RATES
PERCENTAGE
RATES EE
CLIABGES
CHARGES
Purchases $2,146.20 0.03627% 13.24% V 13.24% $23.34 $0
Cash Advances $2,939.07 0.06573% 23.99% V 23.99% $57.94 $0
V = Variable Rate
Information For You
Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) Card con always help. Get cash
at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more.
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Consecutive inactivity, Discover will begin to assess at $2.50 monthly dormancy fee.
9578334
Questions? Visit wwwbiscover.com or
call 1.800-DISCOVER (1.800-347-2683), DISCOVER
DISCOVER Now 33Ce
02 SDSNW1 ODa5043
PATRICIA MEIXNER
14 BRIARLY OR
CARLISLE PA 17015-7670
Minimum Payment Due Account Number ending in 9400
[_ $105,00 Enter Amount Enclosed Below
Payment Due Date $ 1
June 28, 2010 Pay online at www.DisGover.corn or make check
payable to Discover Phone and intemet
payments must be made by 5:00pm ET for some
day posting.
Text APP to DISCOW to receive a link to out
free mobile app and pay your hill in seconds
from anywherel
PO BOX 71084 1liu,Ilralln?„I,llul,l
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change?
Go to www.Discovercan or print change in space above InI?Ilulrrrl+IlurlnlrltnllH?nlulululluinlnl,Inll
,
00000198645821447321305075350016ODU0010500
uate: May 3, zu I u - closing uale: June 2
Discover More Card Account Summary
Account number ending in 9A00
Previous Balance $5,093.13
Payments And Credits 160.00
Purchases + 57.75
Balance Transfers + 0.00
Cash Advances + 0.00
Finance charges + 84.47
Other Fees + +
0.00
New Balance _
$ 5,075.35
See Finance Charge Summary section following transactions
for detailed APR information
Credit Line $5,300.00
Credo Line Available $224.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available S0.00
You may be able to avoid Periodic Finance Charges, see the
reverse side for deloils.
+See transaction detall for a description of any foes charged
Cas 1 ock Bonuse
Anniversary Month
February
Opening Cashback Bonus Balance $ 7.86
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 7,86
To learn moro, log tow www,Dlecovpr com wd sgacl Rewards
010
page 1 of 2
Payment Information
New Balance $5,075.35
Minimum Payment Due $105.00
Payment Due Date June 28, 2010
Lap Payment Warning: if we da not receive your minimum
payment by the date listed above, you may have to pay a late
Fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Deloult APR of
18.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and o wig
take you longer to pay off your balance. For example:
. ris"et ,.
Only the minimum 20 years $17,715
payment
$)88
3 years 3
Savings a $10,962 ) 36,75
If you would like information about credit counseling services,
call 1-800.347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.DiwAver.corn Access free online tools like Paydown Planner to create a plan
2. -Call 1.800-DISCOVER (1.800.347-2683)
Please have your Discover®card available. to pay down your balance, securely access statements, pay
bills online and easily (rack all transactions
3. Write to us at Discover. PO Box 30943,
Salt lake City, UT 84130 Make your money worth moresm-find easy ways to earn
and redeem cash rewards
For TDD (Telecommunications Device For the Deal)
assistance, please cal 1-800.347-7449. NEW[ Access your account securely through your
mobile one
TransaclfiOr1S
Trans. Post
Date Date
Payments and Cie" May 24 May 24 PAYMENT THANK YOU $ 160.00
Okw/Miscellaneous May 10 May 10 WALLET PROTECTION 1 MO 888-802-9639 UT 2.99
May 23 May 23 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99
Jun 2 Jun 2 PAYMENT PROTECTION PPD 1-877-8834959 44.77
Sae reverse side. DISCOVER
Important mama" IfOwe is more Urn are page to !ills liming 3kW11teulb see the epee d W:h pays for arkftunal dap rear!! idtxinaucn.
Seeytwr Cartfinember Agreement. YWr C,sNtsrarnberAgreepaint alntai
Lost orstaka cards. Repot immediatdyl Call 1.OW347.261M
lNii y Rlghis Summary. Ill Case of Errors or Cluesdas About Maur Bib if
sq>arab stroked paper at Discowe, P0 0m,10421, San Lake Chy, UT 841
wild1 qre oat or pWlurn appeared. You can lekovi a trs, but doing sow
1 name endArxaxntamtba.
The kYarainaettttlteaispededeuor
DasuYhe lie error and azpakr, I you can, why you belitm there's an err
Youddnot8arenpayalryarraarmingrr_-sYan,diksweae itvestii?5ng t
queslgn we card r ,tole t Vase as da6rrgrre ll or I o wit, arson to col n,l It
Special Rule farCredit Card Purchases! Myouhe%%a""vyAh wq
the praillem well dot erradirrL you may ref have to pay Yoe am
.1wI pWiesavmmdetnyeurhomestaleawithin100aalasdyaxi
sarviota, al purdw:ses are cx>wered ngasdass Of era anlatrr Of @C81a1 Of I
Paymu Iola, Shat Only your payment and the lap portion of LM statement In
use idennaliat rnl you dwrk Ioplate an daibwic, fund IaMfer born your
II pa}vsjeM is fxaCasso as an dcelroric Surd ImWef, Y128a AW v bl la
fml%a" be rO drOan frau your acmuit as scull as the seers day yr rn
The ti recessing, d yo w payltlent may, be delayed 0 you 8tuid ash, CSwrospa
Other than the rare provided. Pmprenls reeawdd In proper form of
ri'Cehv1 it •wr waa,sng 1XVly albs ,51"11A kx:sl an lie will he cradled Or yak
6100, C6auA Stream 7L 60187-0 103. Please blew 7-10 nays 0 Wrtery.111
You kale pay your minimum payola! Ora greater an,Nm acv Una taw m
bans, a( mulog inksmagon. You mast as,re Mal suff4eol funds are avaUabh
6dgps??Ol yeiw 8brxxrd idaltn1en17.1Patde.8y LaiWdrg hose rumhers as }
payisiatt you adexbss f w your bmik.if=mL ad to iN6dgdWA a aoM
eel to cite arrtounl deaar Irayelitnta yw can setea at amrliuY 91id1 as I
uwsi rdsv sldkc of kraut nreo Iwaiasq days in atNanas of Ilse acted,
prrtgr i yaw payments ualy in amount,;W will tell you oe Of mail
Lea Wes Mum Indicated at ate monihi f statement based on uadils a pv!l
Cre dtl fiepaUng. We rtey report nfontlation about yowAochunt to creek
rupixt Yfr fir,ou ky iepat fha slaM and paptaau bWo y dyw Accamt
us al lib k luwky addrns Disanor. PO Box 15310. Wimirglon. DE 180
Grace Period on Purchases (at !asst 25 days}. We begun b in"
sudav rtt, orkss a revisacuon is posted to yauArauan nher ev Aso of
bansacf roil from lie Poor day Of On bieg period in which it's pouted to y
shown an you Ming atatun>ent by mdiig payments our recehkig crwW ts.
nn Orel Ming anttra aril ore will not ligtode FeilaltFw ;nce Oterges "I n
ppaid by gas Paprsleill Due Dale on your catmint lulgg slabsra sM.
fuly rLed'm Mesecim Of your Codneri erAgmenv ll Ided Now
aMAcayle, tolwi txslance of each barsacial category . 7NS means Urat I
slatar" meet, departdig on Into aliment! Of yaw payment aid IheAs I
MOM Finance Charge. Was wail chav.. you a minkno ii FINANCE CH
i all sed.
ArervA Fall. It your Acmm Y Im sou amwal tee, it Y+Y h, h1rs1 at the begin
k 1' -r, ,M rs W. a il,as.7•4 . o
Oiled Alat d n;adre Its ndund even a far usu your C.,ed dung gnat
Pa" Fbawai Charges. We sad your warrsxIbus nlbgmtps oypsd
Its our An d Percentage Rakt_ For eNCnupye, purdrasu i sub)ecl to a pirn
Yararxi cataproius. At file end d erdi Ming purIO& urn 0ompub Will
" eytralonto o ellPertwii,FesernaClawgvskneadihull I
tire temu of your Amosnl
y" W! Is wrong, or if you nose! uwre adoration abort a transaction on }err ba. vrthe to us an a
as soon as passible. We mu51 hear from yve tin later man S0 days aler wx sere you Mte test txI
Terre your dglds. In yaw Wet. give as On bHowing IfOormallon:
If yoxr rn,ed more ntai lotion. desalts the hero you are ,r16ti2tlba,t.
yon are sdi tiltigalat n pay Ilk curds of your UN MMBE are note of Guesletnt. W11Un we mwe>Lgkric yrrar
lunar! you quastial,
of goods our sllrricas marl you purchased will a aredfl trod, and you have triad h rirri3 fudh to eoerirl
I due on era grads or tervkrs. Yaw hewn Ito prdecbon arty wilen sir wrc ass p: w.n it oic ihan $Sa
address. {I we am a aptxare tlce inerdran, a A was madml you one adauddwr :sv for era ll-z(xts a
0801
envelope pwnkbd• Do not sand rash. Bysendirg your chL;k as descnbad Mauro, you awroke u to
ourif If lie Harold InBlihiteri udK,kMl ail yon dt_Kir Of b Iloncess Iw: p ilmehl as a died transscYm.
amount ul the ctieck l•Yl on w.e use irkirrstion Iran your dwu W niake all aWraia. sure! lm:%fer,
'm yore paynkvhk Ord yes YAl rml rncesse ytxrche ck back bom your Pouvicial insbuim.
klence or other hum with your payment, it Mil send lore paymen t b any ocular &Idr?as rr it you oar. w
rsrprottiasiglacthlyby SPMlocal bneoil any day Yi4be creSiswlto yourAa:wxus (felal-da} Pa}nraasw
•Accaa l as A Ole nmd day If you him: iragftad your em hqr saivd yew opix boor. ns. PD Box
au' fl+yn>aH Ls celunterl wrpaid, Yr; reserve one tight k resuMw I ? an asrttrruic W.dW.
,and you can sec up aulumalic paysnams Cal us a 1.800-347-X433. Ylw illned :Ips swemerd of d your
in yam bank ab•corn!and 31tilagad'ammusdeanrr4ywill U.S.krreYou dbeaskedloprrakihalvsl
wolooeonlc signal ue you At be aigrevi g to this auuiudzalinn b alow us ainr your wok to de Ks as i4
entries to your b31k accourr. as appNrablo, to axw.l an erns if ft processing Of -suds payrrxnf You mu
trlnm om Payment Dire or ate New Doke on eaM slalemer You raw :anLt paymmnL lavtevor tvr
paymoM You may naey us by pdwue at 1 W347-2M cu by maY at tie a tftli s estad it flit xawus
shateriaad uhan yon payment vAll lie nia.90 aril liav much it vie be Your xifori a+i payrnrani arrounl may
s aRA011 during Ma LRlrg cyde.
Neaus. Lade payments, nlissad paymeift, a olwr defaults on your Ac Mum tear be rchecsd In your orxlt
crap reporting agordes each rmonti, If you bi lave that era re-eyl is Kwc;iw& cur n:ap;k* pkxise w ire
5311. flcavc iidude you escort. address. Mote kstgBltrxra awiiber all Ac;xuiN rwndtes.
c Finance C2nargus on Wl trammiam hunt Ste Trar4acUou War for Ilia Ira! seclsw 5ffisvr: till your billing
e biting leriod n efikh 1 occurs, n wh bit easewe b yli b intpme Per talc Frtaia Ctiargce on alal
4xxwun' Nos oaUnue b ktTm Periods Fn;me Cit:wges unhi the dine you ply yo-, eir tt NewBakrar
Never, a you pail) the Now Bakrcl: on you pr[vtous W irv statement by One Payltlert Ohre Dale slu vol
r putrllases, mat i9. (xlChases first B4iyaaring un ix! armsr D sLatsm oL or ar -fxAChai d . nt
real tln's tl>B"grave prwbd. There is no grace pe eau on bWNxxl trail Ears a cosh odiaincas. As snore
lkriply Paymenrs.' was gmndy appy faynunls to yrra Arrnml based ern ma Aauuaf Fur mantluyrs Role
rte not pity the New Balance un the current Ming slakur mill by 14t Payrnul Clu I>A stFwfii all 8tat t-Ur g
mcialkV Rau s at rarer balances. you may to Id a grace fA, ial on liew purdiases.
X of $-% for any filling period in Wft Periodic F-anrwr ClnrCes of IFSS Ilan $ `'10 ae„AS rANYaise ix
M a tit anrliwLtaary pe. our ;count it upen. The arrKwrt of file k • a;yi ,ors 0n Its sialerr:eisl kvlw?n Ire
U aA I.
is. rash advances, aid balance Iratefas and Uwe further out daa' atsacticns wf:ldn w 1n grnsp by
A rate arc pun:hases sulyerx lu it standard tale would be separate gaups. V& ret& to It ese gro'aas as
and Pmialr. Finance Chaigas fa uach day of Vie dung Ianitxl for each Wssarta cnegay, ten use the
(Averag) R±linoel bniea (days in Wolfing Wnid) fares Pady l Wockpi
You -?MHItLFNllihceCharge Sunnharymyour Ming stabrn
tilts Pu Fnaroe Charges kv your Account. The Aw rge Dally D
bansa:(kni tategt ry. The Day Petndt Rats is 11365th of the bar l:
We we ire Avmage Daly Balance(ndultrig new uarreadhra) mah
Balance for each hwsaclon category try adLIng up at mo ealift hake
We aor In tie daily tia(arm k-a each hansachon cnWgray on eadi i
day.ss vaon your billing stahaeeol,uitesst f:immiazilonsposli
to am da?tI hatlrae as of the first day of ma tding period In wAieh if Is
baker and by /rorsWAa leg any credits and mmeBts Plat air a
Uie blHg aind, wa eaisidc lie 'Tiwndars days dairy 6afasa" ten ha
Ate foes dliaged b yawlkraml are athfad io the slaslard pwrtrsse f
applicable cash adksatoe transaction angoiy and B dance Transfer T
For TO Qekcarrwnkations Device for the Goal) assladanco, {i
Disc YO! may manor andra reclrd Widwina cats Wv w you and
VAIDTln•Diiu: a mllisissuedbyBisomwBndk,Wilber FDIC
Brest amounls.1hen we add ip tie Perf3l: Finaab Charges (a cach Oarsaotai •-.akgwy to get lee
B la shrrrar as zero U, Uequsr. d the guar perinoi, nn PerioAb France Chagr_s app!} tO tlir. tiaarn:c m a
M 1Ltl00 parixidage Rena.
ukulatbg Ott 6aW sou trpan vAudi we i pure Prstedk Finance Manle . We crxripufe me Average cos ly
a Ldiig pedal kx a transarlo anlrs}xy and dud ngthe / tsY by tit • cell $'+? 0f drys A e tdlky p .i_
Wadding Ifs Waiving to the previous, days okay L.alanee! Iralisachas red, a Transaction DiiW ?f Wit
K or Aaanr caller the chic a mn bdkaJ Parlor! n 1141kV1 nl ac ors, n which raze the in :ti • vat M ,rjul
d n yc utAeeuum. fees e:lnarged YxA dulcategory yh Pleases Chareys arenkJ our MW,nrek4snhi5 days s bialy
aainsl me balanceof Iw ha axtion on lint day. In ca koltg !le rlalfy D4ar ce kx the host d:.y of
an ymu Maria: • for each trarsaoial r.*Vry al the last clay d y. ur pro 's NMrig period.
l rategwy%ill, Moeewk lilxtdQbhAdwaeleTransaickmF•eeFinanceCnalgtm iAwhOra ddarili ie
diai Fee Franca charges s,dech ;to adsfed to fire apjdvable balance transfer lraasaciKn :alcilary.
1.600.347.7449.
rofuosaiw&l;,s la efuotily assurance purposes.
PAOG li}
DfSC?VER F IF pays 10 PATRICIA MEIXNER
?(ZlSC Vr-P: Account number ending in 9400
page 2 of 2
Finance Charge Summary
Nominal
Other
Average Daily ANNUAL ANNUAL Periodic
bai R
e
i P T9dlAGE A
R
E C
current billing period: 31 days
$alances s
at
s R A
T
SS HAR ES
Purchases $2,102.03 0.03627% 13.24% V 13.24% $23.63 s0
Cash Advances $2,986.28 0.06573% 23.99% V 23.99% $60.84 $0
V = Variable Rate
Information For You
This month, the featured Cashback Banus(R) Redemption Partner Is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for
a $25 Bed Bath & Beyond gift card.
95578334
Questions? Visit www.Discover.com or
call 1-800-DISCOVER )1.800-347.2683). DISCOVER
DISCOVER
Now Balance Minimum Payment Due
$3,148.67 C $103,00
Payment Due Date
July 28, 2010
02 SDSNWI 0005N4
PATRICIA NEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
D10
PO BOX 71084 fill 111161111111111111111 11 fill 11
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change9 ?nlrllrrlurlrllr ululrlurlllluelulrnlnllululrrlrlull
Go to www.Discover.corn or print change in space above.
000001986458214473213051486700110000010300
Opening Dais: June 3, 2010 dosing Date: Judy 2, 2
Disccwr More Card Account Summary
Account number ending in 9400
Previous Balance $5,075.35
Payments And Credits 110.00
Purchases + 55.37
Balance, Transfers + 0.00
Cash Advances + 0.00
Interest charged + 82.54
Fear Charmed +
-? 45.41
New Balance $5,148.67
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,300.00
Credit Line Available $151.00
Cash Advance Credit line $2,700.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Cas baC Bonte Anniversary Month
February
Opening Coshbock Bonus Balance $ 7.86
New Cashbock Bonus This Period + 0.11
Cashback Bonus Balance $ v 7.97
To ban more, log N ai www,Dlscover-nit
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.com
2. Cal 1-800-DISCOVER (1-800.347.26831
Please have your Discover®card available.
3. Write to us at Discover PO Box 30943,
Sak fake City, UT 841'30 (Not a payment address)
For payments, please send to address on rem Ittance or
Discover, PO Box 6103, Carol Stream, IL 60197.6103
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1-800.347-7449,
Account Number ending in 9400
Enter Amount Enclosed Below
Pay online at www.Discover.com or make check
payable to Discover. Phone and Internet
payments must be made by 5:00pm ET for same
day posting.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill In seconds
from anywherel
page 1 of 3
Payment Information
New Balance $5,148.67
Minimum Payment Due $103.00
Payment Due Dote July 28, 2010
Lots Payment Warning: If we do not receive your minimum
payment by the date (tried above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Penally APR of
18.24% variable.
Minimum Payment Warning: IF you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
:.?.{?+n?i..:.: :Y?:v .:......:..............' :.....................................
Only the minimum 20 years $18,191
payment
$190 3 years ,85
Savi - $11,337 )
If you would like information about credit counseling services,
call 1-800-347.1121
Manage Your Account Online at www.Discover.com
• Access free online tools like Poydown Planner to create a plan
to_pay down your balance, securely access statements, pay
biaas online and easily track all transactions
• Make your money worth more5m-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
ransadions
Trans. Post
Date Date
Payments and Credits Jun 27 Jun 27 PAYMENT THANK YOU $ 110.00
Merchandise Jun 14 Jun 14 BEST BUY MHT MECHANICS BURGPA 5 42.39
016r/Ail"lonaous Jun 10 Jun 10 WALLET PROTECTION 1 MO 888-802-9639 UT 2.99
Jun 22 Jun 22 IDENTITY THEFT PROTECT 800-347-3089 UT 9.99
Fees Jul 2 Jul 2 PAYMENT PROTECTION PPD 1-877.883.1959 $ 45.41
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
f
Paperless statements m
ean less clutter, more convenience
Easily access up to 24 months of downlo able, password protected statements.
• See your statement as soon as it's av loble rather than wait for it to arrive in your mailbox.
• Get helpful payment reminders throug e-mail or text messages on your mobile phone.
I
j • Print a paper copy of your statement nytime.
I • Sign up today at Discover.cotn/pope ss
I
02010 Durover BoA, Mc"Wr INC
PAPER 0310 i
Transactions
Trans, Ppwt
(cont.) Date Dais
Fee-$ T TAL FEES FOR THIS PERIOD $ 45.41
Interest Charged I EREST CHARGE ON PURCHASES S 22.75
I EREST CHARGE ON CASH ADVANCES 59.79
I REST CHARGE ON BALANCE TRANSFERS 0.00
TAR RJiEkEST FOR THIS PERIOD 82.54
2010 Totals Year-to-Date
T At FEES CHARGED IN 2010 $ 129 18
T TAL INTEREST CHARGED IN 2010 571.40
r
9578334
Questions? Visit vrww.Discgver.co or
1 DISC40VER
call 1.800-DISCOVER j 1.800-347-26 ).
DISCOVER I F1Pays b Account A e
Account number ending in 9400
page 2 of 3
Interest Charge Calculation
Your Annual Percentage Rafe (APR) is the annual interest rate on your account,
Current Bring Period 30 days
TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO WEREST CHARGE
RATE {APR] INTEREST RATE
Purchases 13.24% V $2,093.27 $22.75
Cash Advances 23.99% V $3,032.67 $59.79
V - Variable Rate
Additional kwortant Lefwasation.
See your Cordmanber Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediately! Call 1-800-347.2683.
What To Do I f You Fbink You Find A M stake On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421 Soft Lake City, LIT 84130-0421
In your letter, give us the following Information:
ArA t 1 tan: Your name and account number
Dollar amount: The dollar amount of the suspected error.
f2@ts iists Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
it is a m
You must contact us within 60 days after the error appeared an your statement.
You must notify us of any potential errors ' itl You may call us, 6A if you do we are not required to investigate any
potential errors and you may have to pay th amount In question.
While we Investigate whether or not there has been an error the following are true:
We cannot fry fo cdlect the amount In question, or report you as delinquent on that amount.
• The charge in qguuestion may remain on your statement, and we may continue to charge you Interest on that amount. But, if
we determine Yrat we mode a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit imil.
nut: Rights If You Arr Dissaffitrred U/ith Your Credit Card Aurrhases
if you are dissatisfad with the goods or services that you have purchased with your credit card, and yaw have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
I The purchase must have been made in your home stale or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisemenl we mailed to you or if we awn the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check Ind accesses your credit card account do not qualify.
3. You must not yet have fully paid For the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in ilina at:
Discover, PO Box 30945, Soft Lake City, UT 84130-0945
While we imrestigote, the same rules appply to the disputed amount as discussed above. After we finish our
investigation, we will fell you our deciM At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
PayrnerNs. You maypoy all or part of your Account balance at any time. However u must pay at least the Minimum
Payment Due by the
ayPment Due Date. Send only your payment and the top portio,n oyof !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
io make an electronic find transfer from your account of the financial institution Indicated on your check or to process the
C ent as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of
Ins check. When we use information from your check to make an electronic fund transfer, Funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not receive your check bac from your financial
institution.
The ocessing of your payment maybe delayed if you send cash, correspondence w oihsr items wph your payment, if you
sendPthe payment fo airy other address or if you use an envelope other than Ina one provided. Payments recelvad fn proper
form at our prooessing facility ?SPM local time on any dayy will be credited to your Account as of that toy Payments
received of our processing foal offer 5PM local time will be credited fo your Account as of the ne?R toy IF you have
rnEsplaeedyo ur envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103, Please Blow 7.10
days for delivery. If your payment is returned unpaid, we reserve the rig?it to resubmit it as an elecfronic debit.
9578334
NOTICE; SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
You can pay ur monthly Minimum Payment D or a greater amount that does not exceed your current Account balance,
over the tale no or you can setup aubmatle pa ants through a customer service representative by calling
1-800 347- 683. Automatic paymentil will bed ucted on the Payment Due Dale unless you request a recurring poyyMont
date {e g. the 15th dda?y. of the month( that occurs eFore your Payment Due Date. If your scheduled payment dais folb on a
weekend or bank hc;W, your payment will be ocessed the business day prior to the weekend or bank holiday. In order
to schedule mordhly payments by tahona, you 'll need this statement and your bank account information. You will be
asked to provide the Iasi four (41 dig[ of the soci I security number of the pnmary borrower. By providing those numbers as
your electronic signature, you will be agreeing to is authorization to allow us orid your bank to deduct each payment you
authorize, in the amount selected by you, from r bank account. You also authorize us to initiate debil or credit artries to
your bank account, as applicable, to cortsct an e r in the processing of such payment. You can cancel a scheduled
payment by phone at 1-800.347.2683 or by mai at Discover PO Box 30421 Salt Lake City, UT 84 1 30 042 1 however we
must receive notice at least three 6usinau days in advance of Ile scheduled payment. If your payments may vary in amount,
we will lot[ you on each man billfng statement hon your payment will be made and how much it will be. You must ensure
that sufficient funds era availab a in your bank ac ount, and all transactions must comply with U.S. law.
You can set automatic payments for- (i} statement ow Balance, {ii) slot
ementMinimum Payment Due, (iii) statement Minimum
Payment Due plus a Fixed dollar amount, or (fv} a 'xed dollar amount. If your scheduled fixed payment is not enough to cover
the Minimum Payment Due as listed on your mo y bitting statement, your scheduled payment far that month will Be
increased to cover the Minimum Payment Due. If scheduled payment is greater than & Minimum Payment Due
orgy
,
excess will be applied in accordance with your C rdmember Agreement. IF your scheduled paNent is greater than the New
Balance on your billing statement, that Payment ill be processed only for His amount of your ow Balance. Your automatic
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If you enroll by phone in our automatic payment rvice, please fill-in the following blanks below and retain the authorization
for you records.
Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$_.,
Bank Routing M: nk Account: _ Frequency:
Credit Rep offing. We may report inforilnotion a
other de s on your Account may be reflected
d
h your Account to credit bureaus. Late payments, missed payments, or
your credit report. We normally report the status and payment history of
f
b
h
h
your Account to cre
it reporting agencies eac
ont
elieve t
. I
you
at our re rt is inaccurate or incomplete, please write
us d the following address: Discover, PO Box 1 316, Wilmington, DE 19850L 5316. Please indicate your name, address,
home telephone number and Account number
Paying k"resf: We begin to impose Waged Ch gas on all transactions from the Transaction Dale for the transaction shown
on your billing statement, unless a transaction is sled to your Account after the close of the billing period in which it occurs,
in which case we begin to impose interest char on that transaction from the first day of the billing period in which it is
posted to your Account. We continue to impose Inforest Charges until the date you pay your entire New Balance shown an
ou bill' state am b
Makin
a
ments or r ivin
c
edits
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aid th
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statement the Payment Due Dote shown on Ili
l is
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.
p
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y
ew
a
ance on your prev
ous
i
inngg
billing statement, we wilt not impose Interest Charges on new purchases,
Ifi
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on o
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ase, pa
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e Payment Due
i
ih
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th
25 d
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on balance transfers or cash advances, As mar
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l
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a
grace per
o
,
s ri
ess
an
ays. T
era is no grace Period
fully described fn the secfion of your Cardmsm or Agreement filled "How
b
e
pp
ayments,
we genera
y pay
t
y
y app
transaction category. This means that It you do nls to your Account
ased on tie APR applicable to fhe balance of each
pay the Naw Balance on the current billin
statement b
the Pa
ment Due
Date shown on tFhiat billing statement, Mien, dope
tray riot get a gr«e period on new purchases. g
y
y
trig an the amount of your payment and tie APRs on other balances, you
Annual Fee. tf your Account has an annual fee, I will be billed at the beginning of each anniversary year your Account is
open. The omouriF of the tae appears on the star ant when the fee is billed. The annual fee is not refundable unless you
ratify us that you wish to close your Account wi in 30 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refund soon if you se your Cord during that period,
Haw We Cakulate interest Charges Dally halo Method (including current transactions): We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Charges sepa
purchases, standard cash advances and tely For each balance subject to different terms {for example, standard
ch purchase, balance transfer and cash advance balance su61ect to
promotional terms), We refer to these nces as transaction categories.
We figure the "daily balance" for each t
balance For each day, add on now tran
ubt
I
d
il
b
l
the
W
t suction category. To get the "doily balance" we take the beginning
lions and fees and any Interest Charges accrued on the previous dny's
it
d
t
d
k
h
d
l
d
a
y
a
ance.
e
n s
r
any cr
c
' s an
paymen
s an
e ol
ma
er a
justments [inc
u
ing those
od
ustments reuf?ed fn the seetion titled Paying Infereal"}. In calculating the deify balance for the first day of the
biting period, quit
consider the "previou day's daily balance" to have been your balance on the last day of your
previous billing period. This gives us the daily balance for each transaction category.
We figure the Infarest Charge; on your ccount by multiplying the daily balance for each transaction category by
its daily periodic rate, for each day in t billing period.
The total Interest Charges for the billing rind ors the
gm of the daily interest Charges for each transaction
category for each day during that billing period.
:
When we calculate daily balances, we add a transaction of the Transaction Date shown on your billing statement,
unless the transaction is posted to your Account Fer the close of the billil??r?f+ period in which it occurs, in which case the
transaction will be added to the daily balance a of the first day of the bieing period in which it is posted to your Account. All
flees char
ed to
our Account are added to the ndord
urchase transacti
n c
t
ith th
i
f C
h Ad
g
y
Fees which ore added to the appfico6je cash
th
li
t
bl
b
l
f
i p
o
a
egory w
e except
on o
as
vance
nce transaction category and Balance Transfer Fees which are added to
ca
e app
ance trans
ransact
on cat o
e
a
er ry.
Credit Balances. II your Account has is credit
balance is money that is owed to you. You rn
you a refund of any remaining balance of $ 1.04
For TDD f felecommunkoilions Device for the De
Discover and/or retard telephone
The Discovermcard is issued by Discover Bank,
ante, the amount is shown on the front of your billing statement. A credit
make charges against this amount If your Account is open. We will send
or more offer 6 months, or as otherwise required by applicable law.
assistance, please call 1-800.347-7449.
between you and Discover representatives for quality assurance
FDIC
O1TBK 172
DISCOVER
New Balance Minimum Payment Due
$5,420.68 I $109. IT
Payment Due Dare
August 28, 2010
02 SDSNSA01 0005045
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
2010
PO BOX 71084 11111111111111111114 11111d
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change?
Go to www.Discover.com or print change in space above.
000001986458214473213054206800125000010900
Opening Date: July 3, 2010 Closing Dale: August 2,
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $5,148.67
Payments And Credits 125.00
Purchases + 262.98
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 86.22
Fees Charged + 47,81
IVew Ba we_ X5,420.68
See Interest Charge Calculation section following
transactions for detailed APR Information
Credit line $5,300.00
Credit Line Available $0.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Availa6le $0.00
You may be able to avoid Interest Charges, see Additional
Important Information far details.
Cashback Bonuse
Anniversary Month
February
Opening Cashback Bonus Balance $ 7.97
New Cashbook Bonus This Period + 0.63
Cashba& Bonus Balance $ _ 8.60
To lam more, log In m www.Discovar.com
Account Number ending in 9400
Enter Amount Enclosed Below
$ 1
Please make check payg66 to Dl?caver Card.
You are owrlimit, Pay iM wrm of the monthly
minimum payment plus the ovedimit amount of
$120.68.
Text APP to DISCOV' to receive a link to our
free mobtte app and pay your bill in seconds
from anywhere)
papa 1 of 2
Payment Information
New Balance $5,420.68
Minimum Payment Due $109.00
Payment Due Date August 28, 2010
Lots Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Penalty APR of
18.24% varlable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interesi and it will
take you longer to pay off your balance. For example:
01 1.10 pfflOW".
.771
.? -E : . VdS
,????;Eiil.f- na..
:arrnv .°Q?•
v
,j
..
.
ANN OR.....I.......... < ..................................
Only the minimum 21 years $19,802
Payment
$200 3 years 7192
Savings = $12,610 )
If you would like information about credit counseling services,
call 1.800.347.1121
3 Easy Ways to Contact Us Manage Your Account online at www.Discover.com
1 Access your occount securely at www.Discover.com
2, Cal 1.800-DISCOVER (1.800-347.2683) Access hoe online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements
pay
Please have your Discovers card available. ,
61 online and easily track all transactions
3. Write to us at Discover PO Box 30943,
Sall Lake City, UT 841 r50 (Not a payment address)
Make your money worth moresm-find easy ways to eam
For payments, please send to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Carol Stream, IL 601 97-6 1 03 NEWI Access your account securely through your
For TDD (Telecommunications Device for the Deal) mobile phone
assistance, please call 1.800-347.7449.
Transactions
Dole s. Past
Payments and Credits Jul 21 Jul 21 PAYMENT THANK YOU
$ 125.00
Merchondise Jul 31 Jul 31 LEMOYNE SLEEPER COMPANY CARLISLE PA $ 250.00
Other/MisceOansous Jul 1 I Jul 11 WALLET PROTECTION 1 MO 888-802.9639 UT 2-99
Jul 22 Jul 22 IDENTITY THEFT PROTECT 800-347-3089 UT 9,99
Fees Aug 2 Aug 2 PAYMENT PROTECTION PPD 1-877-883-1959 $ 47.81
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements eon less clutter, more convenience
Easily access up to 24 months of dow oadable, password protected statements.
• See your statement as soon as it's vaila6le rather than wait for it to arrive in your mailbox.
• Get helpful payment remitiders thr ugh e-mail or text messages on your mobile phone.
• Print a paper copy of your stateme t anytime.
• Sign up today at Discovedcom/ rless
;2010 bh--, Boid.. M..L- FDIC
t PAPEP-0310
Transactions
Trans. Post
(Cont.) Date Date
Fees TOTAL FEES FOR THIS PERiOO $ 47.81
Interest Charged INTEREST CHARGE ON PURCHASES $ 23.46
INTEREST CHARGE ON CASH ADVANCES 62.76
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 86.22
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 $ 176.99
TOTAL INTEREST CHARGED IN 2010 657.62
8578334
Quesfions? visit www.Discover. or
call 1.800-DISCOVER (I.80W47-2 8 3). DISCOVER
DISCOVER
Irpoysro PATRICIAMEIXNER
L . HSC.C.;zV - Account number ending in 9400
pose 2 of 2
Interest Charge Cakulation
Your Annual Percentage Rate {APR] is the annual interest rate on your account.
Curretat Bing Period: 31 Joys
TYPE Of ItAIANCE ANNUAL ERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE
RATE WA) Ih1fEREST RATE
Purchases 13.24% V $2,087.40 $23.46
Cash Advances 23.99% V $3,080.75 $62.76
V - Vartable Role
Additional hotaertorat In-Murtfon.
See your CordmeriAw Agreement. Your Cordmember Agreement contains all the farms of your Accourd.
Loss or stolen cards. Report immediatelyl Cog 1.800347-2683.
M, /bTo Do If You fbkkk You Find A Mistake Qn Your Statemerl
If you think there is an error ??onyour statement, write to us at Discover, PO Box 30A21, Salt Lake City, UT 841300421
In your Teller. give us 16e follrnving information:
Account Information: Your name and account number
• Dollar amourd: The dollar amount of the suspected error.
941i crim ..Problem: If you think there is on error on your bill, describe what you believe is wrong and why you believe
a sts e.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors In fi . You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay ffie amount in question.
While we investigate whether or not there has been an error, the following are true:
to catlect the amount in question, or report you as delinquent on that amount.
• We cannot try to
The charge in scion may remain on your statement, and we mcry continue to charge you {merest on that amount. But, if
determine that we made a mistake, you win not have to pay the amount in question or any interest or other fees related
to that omourd.
While you do not have to ythe amount in question, you are responsible for The remainder of your balance.
• We can apply any unpaid amount against your credit limit.
Your g&M If You Are DisggTisRed With Your Credit Card punftoaes
If you are dissatisfied with the ggo?ods or services that you hove purchased with your credit card, and you have tried
in good filth io coned the pro am with the merchant, you may have the right tat to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home slate or within 100 miles of your current mailing address, and
the purchase price must hove been more than $50. INofe: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you or if we own the company that sold you the goods or services}
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
if all of fie criteria above are met and you are still dissatisfied with the purchase, contact us in w "n at:
Discover, PO Box 30945, Salt Lake Ci y1 , UT 841300945
While we investigate, the same rulers apply to the disputed amount as discussed above. After we finish our
investigation, we will ten you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent,
PayarssNs. You may pay ail or part of your Account balance al any time. However, you must pay at least the Minimum
paymartt Due by the my Due Date. Send only rur payment and the top portion of this statement in the envelope
provided. Do not send cash. By sending your check as described above, you authorize us to use information an your check
Ta make an electronic fund transfer from your account of the financial institution indicated on your check or to process the
as a check transaction. If p menf is processed as an electronic fund transfer, the transfer win be for the amount of
?k. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the some day we receive your payment, and you will not receive your check back from your financial
institution.
The processing amt your payment may be delayed if you send cash, correspondence or other items with payment, if you
send b ?y direr address or if you use an envelope other than the ors provided. Payme s received in proper payme
form at our processing iacitlty byy 5PM focal time an any der win be credited to your Account as of fiat day. Payments
e
ived at our prvicessirig fact (iTy after 3PM local time will ?e credited to your A«ount as of the next day. tf you lov
your envelope, send your payment to Dlsaover, PO Sax 6103 Caro! Stream, {L 60197 6 1 03. Please ol{ow 710
faced
rIsp
days for delivery. . 1f your payment is returned unpaid, we reserve the rig?if b resubmit it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCS ER
You can pay your monthly Minimum Paym ue,
pay
over the telephone or you can setup aulanA.,
1.800.347-2683. Automatic payments wdec
dale (e.g. the 15th day of the month) that urs In
o schedule monthly payments bV tole a, you wil
t
asked! provide ffie last four (4ti digits of 4te social
your electronic signature, you will be agreeing to thi
authorize, in the amount selected by you, from your
your bank account, as licable, to correct an em
payment by phone at 1g0 347-2683 or by moil a
must receive notice at least three business days in ac
we will tell you on each month?lyy billing statement wf
drat sufficient funds are avaiiabte in your bunk occoi
I ggreal ter amount that does not exceed your current Account balance,
Is rough a customer service representative by tolling
id on the Payment Due Date unless you request a recurring payment
a your Payment Due Dale. If your scheduled payment date falls on a
sad Ike business dayp rror to lha weekend or bank holiday. In order
led this statement andyour bank account information. You will be
urity number of the primary borrower. By providing those numbers as
uthorization to alloy us and your bank to deduct each pa ment you
nk account. You also authorize us to initiate debit or credit entries to
r the processing of such payment. You ran cancel a scheduled
iscover, PO Box 30421 Soft Lake City, UT 84130.0421 however we
nce of the scheduled payment. If your payments may vary in amount,
your payment will be made and how much it will be. You must ensure
and all transactions must comply with U,S, law.
You can set automatic poyments For, (i) stelpment N Balance, iii) statement Minimum Payment Due, (iii} statement Minimum
Payment Due plus a fixed dollar amount, ?Jour v) a fi dollar amount. If your scheduled fixed payment is not enouggh to cover
the Minimum Payment Dua as listed an yonthly tiling statement, your scheduled payment for that month will 6e
Increased to cover the Minimums Paymenf the duffed payment s realer than flia Minimum Payment Due, any
ber Agreement. If?your scheduled paym ant is greater than the New
excess will be appplied iaccornce witCard 7c
ent
Wanes on your billin statement, that paym will ocessed only for the amount of your htew Balance. Your automatic
payment amount may tie less than the amount iodic n the periodic statement based on credits or payments after the
Closing Date.
If you eni.l by plione in out automotic payment sen
for your records.
Amount: ? Full Pay ? Min Pay L
Bank Routing #: Bank
Credit Reporting. We may report information about
other defaults on your Account may be relecled in y
your Account to credit reporting agencies each mod
us at the following address: Discover, PO Box 1531
home telephone number and Account number
Paying Ittsress We begin to impose Interest Chorgi
an your billing statement, unless a transaction is post
in which case we begin to impose interest [charges o
posted to your Account. We continue to Impose Intl
Lour bill statement by making payments or raceivi
sialamentt the Payment Due Data shown-on that bi
that is, p chases first appearing on the curtant billin
Dale on your current biting statement. We cap ibis I
on balance transfers or cash advances. Al; more full
We App?lyy Payiments," we generally apply ppymonts
ttansodtdn co?ego?•y. This means that if you do nit I
Date shown on that billing statement, Ihen, dependirv
may not gel a grace period on new purchases.
Annual Fee. If your Account has an annu tea, it ail
open. The aniourt of the Fee appears on strrtem!
notify us 161 you wish to close yaw Accourt within
is billed. You will receive this refund even if you use
Now We Calculate Interest Charges Daily Balance
each billing period. To do this:
We calculate your Interest Changaen? separate
purchases, standard cash advances and eac
promotional terms). We refer to these bale
• We figure the "doily baksnce" fore ach ire
balance for each dayy, add any now transa
daily balance. We Ihen subtract any credit
adjustments required In the seclioq tilled "P
billing period, we consider the "previous
previous billing period. This gives us the da I
We figure the Interest Charges on your Acc
its daily periodic role, for each day m the bi I
The total Interest Charges for the billing pa
category for each day during thotibillfng pe t
When we calculate daily balances, we add a new t
unless the. transaction is posted to your Account ohs
transaction will be added to the daily balance as of
fees target to your Account am added to fhe clan
Fees which are added to the applicable cash adv.
the applicable balance transfer tronsochoh catego
.e, please fill-in the following blanks below and retain the authorization
3 Min Pay + $ ? Fixed Pay$_
kccouni #: , Frequency: w
our Account to credit bureaus. late payments, missed payments, or
Ur credit report. We normally report the status and payment history of
If you believe that our report is inaccurate or incomplete, please write
Wilmington, DE 14850-5316. Please indicate your name, address,
on all transactions from the Transaction Dote for the transaction shown
j to your Account after the close of the billing period in which it occurs,
that transaction from the first day of Ike billing period in which a is
ast Charges until the date you pay your entire New Balance shown on
g cradits. If you paid the New Balance on your previous billinngg
ng statement, we will not impose Interest Charges on new purchases,
sfatement, or any portion o! a new purchase, paid by the Payment Due
a "grace period. It is not less than 25 dayyss. There is no! ace period
described in the section of your Card member Aggreement filled "Flow
r your Account based on the APR appplicable to ttra balance of each
ry the New Balance on the current bRtng stotement by the Payment Due
on the amount of your payment and the APRs on other balances, you
be billed at the baginning of each anniversary year your Account is
t when the fee is billed. The annual fee is not refundable unless you
) days of the mailing or delivery date of The statement on which the fee
our Card during that period.
elhod loxluding current nansoctionslr We Figure Interest Charges for
for each balance subject to different fermi (for example, standard
purchase, balance transfer and cash advance balance subject to
ss as transaction categories.
ction category. To get the "doily balance" we take the beginning
ns and Fees and any Interest Charges accrued on the previous day's
nd paymenh and make other adjustments (including those
ng interest"). In calculating the &ily balance for the first day of the
s daily balance" to have been your balance on the Iasi day of your
balance for each transaction category.
it by multiplying the daily balance for loch transaction category by
ig period.
era the sum of the daily Interest Charges for each transaction
isaction as of the Transaction Date shown on your billing statement,
e close of the billing period in which it occurs, in which case the
s First day of the billing period in which it is posted to your Account. All
•d purchase transaction category with the exception of Cash Advance
transaction category and Balance Transfer Fees which are added to
Credit 8alancas. If your Account has a crpdt baton ,the omount is shown on the front of your billing statement. A credit
balance is money that is owed to you. Ybu may m ke charges against this amount if your Account is open. We will send
you a refund of any remaining tea once of $1.OD o more a er 6 months, or as otherwise requi red by applicable law.
For 7DD ITelecanmunicaiiwss Device for use Deaf) sistance, please call 1-800-347.7449,
Di vgr?yjy sonitor and/or record telephone call between you and Discover representatives for quality assurance
The Diisscover®cord is issued by DiecoveriBank, Me bar FDIC 0rTBKt72
QueSflons? Visit www.Discalver.ca or ?ISC.V?R
call 1-800-DISCOVER { 1.800-347.268 ).
DISCOVER
r-'
New Balance Minimum Payment Due
$108.16 $108.16
Payment Due Date _
September 28, 2010
02 SDSWA01 0005068
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
Pay online at www.Discover.com or make check
payable to Discover. Phone and Internet
payments must be made by 5:00pm ET for some
day posting.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 1Ilurilurilnmlriluirl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change!
Go to www.Discovor.com or print change In space above. it Is Ili 1ni1i11nl1 rri lirif III Ili all )is iulluin1 ldill 1l
DODD01986458214473213001081605420680010816
Opening Dale: August 3, 2010 - Closing Date: September 2, 2010 page 1 of 3
I Discover More Caryl Account Summary
Account number ending in 9400
Previous Baksnce $5,420.68
Payments And Credits 5,420.68
Purchases + 12.98
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 69.23
Fees Charged + 25.95
NewBal?nce - -- ----'-X708.16
See Interest Charge Calculallan section following
transactions for deta!ksd APR intormalon
Credit Line $5,300.00
Credit Line Available $5,191.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $2,700.00
You maybe We to avoid Interest Charges, see Additional
Important Inrormation for details.
Cas k Bonuse
Anniversary Month
February
Opening Coshback Bonus Balance $ 8.60
New Cashbock Bonus This Period + 0.00
Casllback Bonus Balance --- $ 8.60
To learn mme, 69 in al www.Discover.corn
3 Easy Ways to Contact Us
1 Access your account securely at www.Discovorcom
2. C44 1.8004ASCOVER (1.800.347-2683)
Please have your Discovers card available
3, Write to us al Discover PO Box 30943,
Salt take City, UT 841 r10 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197-6103
For TDD (Telecommunications Device for the Dean
assistance, please call 1-800-347.7449.
.pot 00 Ott
ransac ions
Trans. Post
Dais Date
Payrrwnts and Credits Aug 29 Aug 29 PAYMENT THANK YOU
$ -5,420,68
01her/Miscellaneous Aug 10 Aug 10 WALLET PROTECTION 1 MO 888902-9639 UT $ 2.99
Aug 22 Aug 22 IDENTITY THEFT PROTECT 800-347-3089 UT 9,99
Fees Aug 28 Aug 28 LATE FEE $ 25,00
Sep 2 Sep 2 PAYMENT PROTECTION PPD 1-877-883-1959 0.95
Payment Information
New Balance $108.16
Minimum Payment Due $108.16
Payment Due Date September 28, 2010
Late Payment Warning: IF we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 18.2A% variable,
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
mqWX .:.:...„
11 Al. I
?• OR ` .
N?:
Only the minimum 1 month $108
payment
If you would like information about credit counseling services
call 1-800-347-1121
Manage Your Account Online at www.Di5cover.com
• Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track aA transactions
• Make your money worth more W-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
I
Paperless statements can less clutter, more convenience
Easily access up to 24 month4 of dow ooda6le, password protected statements.
• See your staternent as "n as it's vailo6le rather than wait for it to arrive in your mailbox.
• Get helpful payment remibders thr ugh e-mail or text messages on your mobile phone.
• Print a paper copy of your statem t anytime.
• Sign up today at Discove4com/pa rless
i
672010 Discover Owl:, Memb., HXC
PAPER.0310
Transactions
Trans. Post
(cont.) Date" Date
Fees
Interest Charged
2010 Totals Yeamo-Date
I
I
9578334
I
I
i
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGE ON PURCHASES
INTEREST CHARGE ON CASH ADVANCES
INTEREST CHARGE ON BALANCE TRANSFERS
TOTAL INTEREST FOR THIS PERIOD
rn
0
z
Z
n
0
S 25.95 0
00
'
m
$ 21.81
47.42
0.00
69.23
TOTAL FEES CHARGED IN 2010 S 202.94
TOTAL INTEREST CHARGED IN 2010 726.85
%xu%PbuvwW: YIslTwwwwwover. m or DISCOVER
call 1.800-DISCOVER (1.80q 347 .2 83).
DISCOVELIC ` it pays to
I_ DIS Account number en
number ending in 9400
page 2 of 3
Interest Charge Calculation
Your Annual Percenlage Rate (APR) is the annual interest role on your account.
Currant; Billing Periods 31 days
TYPE OF BALANCE ANNUAL PERCENTAGE BALA C ?? ECT TO INTEREST CHARGE
Purchases 13.24` V $1.940.72 $21.81
Cash Advances 23.99% V $2,327.66 $47.42
V = Variable Rote
Additional 6npormrat information.
Sea your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account.
fast or stolen cards. Report immediatelyl Coll 1-800-347-2683.
YAW & Do if ny Think You Find A Mi flake On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Soh Lake City, UT 84130-0421
In yew letter, give us the following information:
Account information: Your name and account number
Dollar amount: The dollar amount of the suspected error
Descrtpton of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
ors mistego.
You must contact us within 60 days after the error appeared on your statement.
You must nolify us of any potential errors ' ruing. You may callus, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, The following are true:
We cannot tryto wiled th
to e amount In question, or report you as delinquent on that amount.
• The charge in 9uastfon may remain on your statement, and we may continue to charge you interest on that amount. But, if
is 1". to that amount, dat,hat we made a mistake, you will not have to pay the amount In question or any interest or other fees related While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your 'nbts If You Are DissodsHed Mfh* Your Cmm t? Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purckrase must have been made In your home slate or within 100 tulles of your current mailing address, and
the pwdase price must lave been more Than $30. (Note; Neither of these we necessary if your purchase was
based on an advertisement we mailed to you or IFwa own rho companythat sold you the goods or services.)
2. You must trove used your credit card for the purcfase. Purchases made with cash advances from an ATM or with a
check Thal aot»essea yaw credit card aaounf do not qualify.
3. You must rat yet have fully paid far the purchase.
If all
Discover the crff above are met and yov are still dissatisfied wish the purchase, contact us in writing at:
PO B oox x 309 45, SaN Loke Cf y! , U7 8413Q0945
While we investigade, the some rules apply to the disputed amount on discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. You nay pay all or part of your Account balance at any time. However, you must pay at least the Minimum
Paymart Due by the Paymerd Due Date. Send only your payment and the top portion of this statement in the envelope
pro+nded, Do not se cash, B sending your check as described above, you authorize us to use information on your check
to make an electronic fund transfer hewn your account at the financial institution Indicated on your check or to process the
payment as a check transaction. IF payment Is processed as an electronic fund transfer, the transfer will be for the amount of
the check- When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not receive your check back from your financial
institution.
The processing of yon paymell may be delayed if you send cash, correspondence or other items wfth your payment, iF you
send the payment to any alher address or If you use an envelope other than the ono provided, Payments received in proper
form at our processing facility byy 5PM local lime on any d will be credited b your Account as of Iha, day. Payments
rocaived d our processing (ac11By after 5PM local time wiY? credited to your Atxount as of the roxl day. !f you have
mispkscsd your errwlope, send your payment to Discover PO Box 6 t 03 Carol 5fream, IL 60197-b 103. Please allow 710
days For delivery. 11 yaw payment ns refumed unpaid, wa reserve the rig?rt to resubmit ft as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
J
You can pays monthly Minimum Paym Due,
over 0.3 fe a or you can setup aututow' N$Be pay
3. Automatic payments be der
date ate le 47• d8.g. the 15th daayy of the month) that ocatirs b
weekend or bank holldav. Your Daymew will be pr
your electronic signature, you will be agreeing to IN
Ziuthorize, in the amount selected byy you, from your
your bank account, as applicable, to corre?f on ewe
payment by phone at 1-860.347.2683 or by mail c
must receive notice at least three business days in at
we will tell you on each monthy billing siotbment wf
that sufficient Funds are available in your bank acco
s greater amount that does not exceed your current Account balance,
is through a customer service representative by calling
ed on the Payment Due Date unless you request a recurring ptrymeni
a your Payment Due Date. IF your scheduled payment Joie Fails on a
used the business day prior to the weekend or bank holiday. In order
sed this statement arkf your bank account information. You will be
:unify number of she primary borrower. By pprroviding those numbers as
authorization to allow us and your bank to deduci each payment you
nit account. You also authorize us to initiate debit or credit entries to
n the processing of such payment. You can cancel a scheduled
tscover, PO Box 30421 Salt Lake City, UT 84 1 34042 1 however we
nca of fha scheduled payment. If your payments may vary in amount,
your payment will be made and how much if will 6e- You must ensure
and all transactions must comply with U.S. law.
You can set automatic payments For- (I) statement Ns Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum
Payment Due plus a fixed dollar amount, of (Iv} a fix dollar amount. IF your scheduled fixed payment is not ono ugh to cover
the Minimum Payment Due as listed on yoµr mo ft? he statement, your schedule paay ent for that month will 9be
increased to cover saw Minimum Payment Due , I t e Vied payment is greater an Minimum Payment Due, any
excess WIN be applied in accordance with your Card ember Agreement, If your scheduled r gent is greater than the New
Balance on your billing slWement, that PC ant will rocessed only for the amount of your New Balance. Your automatic
payment amount maybe less than the amount Indite on the periodic statement based on credits or payments after the
Closing Date.
if you enroll by phone in our automatic pc"enl ter,
for your retards.
Amount: ? FuN Pay ? Min Pay 1
Bonk Raufing *: _, Bank
Credit Reporting. We may report information about
other defaults on your Account may be reflected in y
your Account to credit reporting agencies each Mon
in at the folowtng address: Discover, PO Box 1531
home telephone number and Account num*
Paying Interest We beeggin to impose Interist Chorgr
on your billing statement, unless a transadfon Is post
iii which case we begin to impose intereslichorges a
posted to your Account. We continue to Impose Inh
ygxrr billing statement by makin paymentq or reee{v
statement 6y the Payment Due Data show an Ihal bl
Ihat is, purchases first oppeering on the current bil-in
Date on your current bilkng statement. WV call this t
om balancgi transfers or cash advances. As more full
We Apply Payments," we generally ap1f;41 y,poymonts
lronsocRon category. This means t a u o not
Date shown on of letting statement, then, dependin
may rid get a grace period on new purchpses.
Annual Fee. If your Account has an annual fee, it wi'
open. The amount of fain fee appear on e stoom
notify us that you wish to close your Acc n! within
is billed. You will receive this refund evens if you us
Now We Calculate Interest Charges Daili balance
each billing period. To do this:
We calculate your Interest Chorgels separat
purchases, standard cash advent and act
promotionalterms). We refer to t;se bafa
We figure the "doily balance" for`aach tran
balance for each dam,, add any nqw tronsa
daily balance. We Mien subtract any creel
ad''ustment required in the section titled "P
bailing period, we consider the " evious d
previous billing period. This givef us the d
We fi a the Interest Charges oq your Ace
its daily periodic rate, for each day in the b
The total Interest Charges for the l?illirtg Pori
category for each day during the billing pe 1
When we calculate daily balances, we a d a new
unless the transaction is posted to your A count all
transaction wig be added to the daily balance as o t
60s ch at to your Account are added to the start
Fees whit oare added to & applicable dash adYO c
the applicable balance transfer fransactign cotego .
please fill-in the following blanks below and retain the authorization
Min Pay+ $______, ? Fixed Pay$
_, Frequency:
rr Account to credit bureaus, late payments, missed payments, or
credit reQart. We normally report the status and payment history of
IF you believe that our reort is inaccurate or Incomplete, please write
Wilmington, DE 1 9850-E316, Please indicate your name, address,
on all transactions From the Transaction Date for the transaction shown
f 10 yyoour Account after the close of The billing period in which it occurs,
thatCn-.lion from the first day of the billing period in which it is
tst Charges until the date you pay?your entire New Balance shown on
it credits. If you paid the Now Balance on your previous billingg
ng statement, we will not impose Interest Charges on new purchases,
statement, or any portion of a new ppurchole paid by the Payment Due
>'grace period. II is not loss than 25 daayyss. There is no qraca Period
described in the section of your Cardmember Agreement titled 'How
your Account based on the APR appplicable to the balance of each
ythe New Balance on the current billing aMtement by the Payment Due
an the amount of your payment and the APRs an other balances, you
I be billed of the beginning of each anniversary year our Account is
nt when tha fee is bitted. The annual fee is not refundyable unless yyoou
10 days of the mailing or delivery date of the statement on which the tea
your Card during that period.
1Aelhod (including current transactions): We figure Interest Charges for
y for each balance subject to different terms (for example, standard
i purchase, balance transfer and cash advance balance subject to
:es as transaction categories.
xlion category. To gat the "daily balance" we take the beginning
ons and fees and any Interest Charges accrued on the pprevious day's
and payments and make other adjustments (including tfnose
ing interest"). In calculating the taily balance for the first day of the
?s daily balance" to have been your balance on the last day of your
y balance for each transaction category.
.rnt by multiplying the daily, balance for each transaction category by
Ing period.
d are Ike sum of the daily Interest Charges for each transaction
as of the Transaction Date shown on your billing statement,
of the billingg period in which it occurs, in which case the
iy of the billing period in which it is posted to your Account. All
oso transaction categgory with the exception of Cash Advance
tion category and Balance Transfer fees which are added to
Credit Balances. If your Account has a ctedB bolo e, the amount is shown on the front of your billing statement. A credit
bdiance is money that is owed to you. I may m ka charges against this amount if your Account is open. We wail sand
you a refund of arty remaining balance a $1.00 o more after d months, or as otherwise required by applicable low.
For TDD frehtcommunicalions Device for (Ito Deaf) ssistance, peasa call 1-800-347-7449,
W 3a?? onilor and/or record telephone cat s between you and Discover represantatives for quality assurance
3
The Discover®cord is issued by DiscoveiiBank, M Tiber FDIC OITBK172
Questions? Visit www.DiscQver.co or
call 1 •800-DISCOVER (1-800-3147.26!3 1. DISCOVER
DISCOVER
New Balance I Minimum Payment Due
$55.55 $40.00
Payment Due Date
October 28, 2010
02 SDSWMI 0005047
PATRICIA HEIXHER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
Pay online at www.Discoww.com or make check
payable to Discover Phone and Internet
payments must be made by 5.00pm ET for some
day posting.
Text APP to DISCOV' to receive a link to our
free mobdo app and pay your bill In seconds
from anywheret
PO BOX 71084 1114 gill
CHARLOTTE NC 28272-1084
Address, e-mail or telephonechange6 Ii lu(Lrr6.rlrIIrrl6lIil-rl(I IlrIII all rlrr(Isr(rrlr'Lltill
Go to www.Dimover.com or print charge in space above.
000001986458214473213000555500108160004000
Opening Dote: September 3, 2010 - Closing Date: Oc
!}iscover More Card Account Summary
Account number ending in 9400
Previous Balance $108.16
Payments And Credits 133.16
Purchases + 80.06
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 0.00
Fees Charged + 0.49
_
New Bye- X5535
See Interest Charge Calculation section following
transactions for detailed APR information
credit line $5,300.00
Credit Line Available $5,244.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $2,700.00
You may be able to avoid Interest Charges, see Additional
Impork,M Information for details.
CasEbaclc Bonus'
Ann iversary Month
February
Opening Cashback Bonus Balance $ 8.60
New CcAlsock Bonus This Period + 0.17
coda" Bonus Balance $ 8.77
To leom mare, -lag in wwww.Distover,com
toter 2, 2010
page 1 of 3
Payment Information
New Balance $55.55
Minimum Payment Due $40.00
Payment Due Dole October 28, 2010
Late Paymerst Warring: If we do not receive your minimum
payment by the date listed above, you may have to pay a lade
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 18.24% variable.
Manage Your Account Online at www.Discover.com
• Securely access statements and free online tools, pay bits
online and track and view all transactions simply and easily
• Make your money worth morel-find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
3 Easy Ways to Contact Us
I Access your account securely at www.DiKovor.com
2. Cat 1-800-DISCOVER (1.804347.26831M
Please have your Discovers card ova liable.
3. Write to us at Discover PO Box 30943,
Sall Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 601 97-6 1 03
For TDD (Telecommunications Device for the Deaf)
assistance, please roll 1-804347-7449.
Transactions
Trans. Post
Date Dab
Payments and Credits Sep 12 Sep 12 LATE CHARGE REFUND
Sep 25 Sep 25 PAYMENT THANK YOU
•25.00
108,16
Merchandise Sep 29 Sep 29 NME MAGAZINEOROER 866.3124233 FL $ 67.08
Otlrer/Miscelaneous Sep 10 Sep 10 WALLET PROTECTION I MO 888-802.9639 LIT 2.99
Sep 22 Sep 22 IDENTITY THEFT PROTECT 800-34T3089 UT 9.99
56,78334 Oct 2 Oct 2 PAYMENT PROTECTION PPD 1.877-883-1959 $ 0.49
TOTAL FEES FOR THIS PERIOD 0.49
hMrest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00
2010 Totals Year-to-pate
TOTAL FEES CHARGED IN 2010
TOTAL INTEREST CHARGED IN 2010
178.43
726.85
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER,
1
I
Paperless stateme ism n less clutter, more convenience
Easily access up to 24 months of Idownlo able, password protected statements.
i • See your statement as soon ds it's ova table rather than wait for it to arrive in your mailbox.
• Get helpful payment reminder throug e-mail or text messages on your mobile phone.
I • Print a paper copy of your sl tement ytime.
t • Sign up today of Discaverc lpape ss
I
e" 7010 Diuorer B.A. M..6b FDIC j PAPER.09 10
In
d
CA
Z
rn
D
c?
a
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0
A
V
V
8578334 i
Questions? visit www.Dts er.ca or
call 1800-DISCOVER (1-800-34i.-268 ). DISCOVER
DISCOVER D11 PQY3 10 PATRIaA ISC Account ccount numNER
A number ending in 9400
pogo 2 of 3
interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Currant Bftq Period: 30 days
TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE
Purchases 1324% Y $0 $0
Cash Advances 23.99% V SO $0
Y = variable Rate
Additional linportant Infor i otion.
See your Cwdlr msn6ar Agroemeni, Your Cordmember Agreement contains all the terms of your Account.
Lost or stalan cards. Report immedidelyl Call 1400.3472683.
What To Do if r0 Think You Find A Mikke og }rprStatemant
If you think there is an error on your statement, write to us sat: Discover, PO Box 30421 Salt Lake City, UT 84 1 30-042 1
In your letter, give us iha following information:
Account information: Your name and account number
Dokr amount: The dollar amount of the suspected error
Pescri?tion of Pro6ler3+: if you think there is an error on your bill, describe what you believe Is wrong and why you believe
it u a mistake.
You must conliod us within 60 days after the error appeared on your statement.
You must notify us of arty potential errors In fin . You may call us, but if you do we are not required to investigate any
potential errors and you may hays to pay the amount in question.
While we investigate whether or not there has been an error, the following are Into:
We cannot try to coiled the amount in question, or report you as delinquent on that amount.
The charge in gueslion ma remain on your statement, and we may continue to charge you interest on that amount. But, if
we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
• While you do not hays to pay the amount In question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Rido If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you or if we own the company that sold you the goods or services.)
2. You must have used your crodh card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit cord occourd do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writi at:
Discover, PO Box 30945, Salt Lake Ct yl , UT 84130.0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. You may pay all or part of your Account balance at any time, However, you must pay at least the Minimum
Payment Due by the ?ay Due Date. Send only your payment and the top portion of this statement in the envelope
pprovided. Do not send cash. By sending your check as described above, you authorize us to use information on your check
to make an electronic fund from or from your account at the financial institution indicated on your check or to process the
payment as a check transaction. If ent is processed as an electronic fund transfer the transfer will be for the amount of
the check. When we use information om your check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the some day we receive your payment, and you will not receive your check back from your financial
institution.
The processing of your poymeal may be delayed if you send cash, correspondence or other items with your payment, if you
send the payment fo any ofthheer address or if you use an envelope other than the one provided. Payments received in proper
form at our processing facility by SPM local fime on any day wilt be credited to your Account as ofthat day. Payments
recoivad of our processing facility after 5PM local time will be credited to your Account as of the next day. If you have
misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7-10
days for delivery. If your payment is returned unpaid, we reserve the riq( to resubmit it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
i
monthly Minimum P ant Dui
You can pay C.
over IFre telephone ar you can setup a matic pc
1.8001347-2683. Automatic paymen will be d
data e.9. the 15th e_ay of the month) t occurs
weekend or bank holiday, your payent will be f
to schedule monthly payments 6f ei ne,ayloou,
asked to provide the last four {4digi s f IErci
your electronic signature, you will be agreeing to
authorize, in the amount selected by you, from yc
your bank accounF, as applicab'a, to c rrect an e
payment by piano d 1-800.347.2683?or by mat
must receive riches at least three business days ini
we will fell yov on each month) billing statement
that sufficient funds are availabla in y6ir bank a
You can set ouksmcic payments for, (b}sfatement
Payment Due phis a fixed dollar omou or (io a
the mum Payment Due as listed on your in increased to cover the Minimum Paym nt Dua. if
excess will be applied in accordance with your
Balance on your bilkng statement, that ymenI
C amount may be less than the ?imaount in
Closing Date.
or a greater amount that does not exceed your current Account balance,
rents through a customer service representative by calling
lucted on the Payment Due Dale unless you request a recurring paymend
elate your Payment Due Dote. If your scheduled payment dale tolls on a
)cessed the business day prior to the weekend or bank holiday. In order
N need this statement and your bank account information. You will 6e
security number of the primary borrower. By pproviding those numbers as
is authorization to allow us and your bunk to deduct each pa enf you
.bank account. You also authorize us to initiate debit or cradit entries to
3r in the processing of such payment. You can cancel a scheduled
tt Discover, PO Box 30421 Sall, Lake City, UT 84130.042 f however we
dvance of the scheduled payment. 11 your payments may vary in amount,
hen your payment will be made and how much it will be. You must ensure
,unt, and all transactions must comply with U.S. law.
ew Balance, (th) statement Minimum Payment Due, (iii) statement Minimum
cad dollar amount. IF your scheduled hied payment ha not enough to cover
r billing statement, your scheduled paymenn} For that marrlh will be
P scheduled payment Is greater than the Minimum Payment Due, any
dmember Agreement. It your scheduled payment is greater than the New
6e processed only for the amount of your Naw Balance. Your automatic
atad on the periodic statement based on credits or payments after the
If you enroll by phone in our outomoliq payment rvice, please Win the following blanks below and retain the authorization
for your records.
Amount: ? Full Pay ? Min Ppy ? Min Pay + S ? Fixed Pays
Bank Routing 8 ink Account #: , Frequency
Credit 1Rgsoriing. We may report triton Lion afout
your Account to credit bureaus. Late payments, missed payments, or
other deEmIls on your Account may be rellected your credit report, We normally report the status and payment history of
your Account to credit reporting ogee es each nth
. If you believe that our report is inaccurate or incomplete, please write
in at the following address: Discover Box 1 316, Wilmington, DE 1 98 50-5 3 1 6. Please indicate your name, address,
home telephone number and Account umber
Paying Interest We begin to impose i st C as on all transactions From the Transaction Date for the Ironsadion shown
on your bitting stafem unless a train action is sled to your Account after the close of the billing period in which it occurs,
in which case we begin to impose into est char on that transaction From the first day of the billing period in which it is
posted to your Account. We continue to impose Fnforest Charges until the data you pay your entire New Balance shown on
your billing statement by moking p rynWs1s or r eiving credits. If you paid the Now Balance on your previous billing
statement by the Payment Due Dais shoown on billing statement, we will not impose interest Charges on now s,
that is, purchases first appearing on fhb current dingg statement, or and portion of a new purchase, Paid by the purcFwse Payment Due
Date on your current biting statement. We call 1 is the "grace nod. If is not less than 25 dayyber ss There rs no grace period
an bolonce transfers or cash advances; As mar fully described in the section of your Cordmem A9reament tilled " How
We AD* Payments," wa genarafty arbpfy paym is to your Account based on the APR applicable to the balance of each
tran ion category. TMs means thaF hf you do t pay the New Balance on the current billing statement by the Payment Due
Data shown on that biting statement, than, dope ding on the amount of your payment and the APRs on other balances, you
may not get a grace period on new pnfrchases.
Annual Fur. If Vow Account has an a4muai fee, i will be billed at the 6 inning of each anniversary year our Account is
open. The amount of the fee appears on the st ment when the fee is billed. The annual fee is not refundyable unless you
soli f(y us that you wish to close yo ant wit 'n 30 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refunurd n hf you use your Card during that period.
Now We Cokulcom Interest Charges illy Rai a Method (including current transactions): We figure Interest Charges for
each billing period. To do this:
We calculate your interest Cho s sepa tally for each balance subject to different terms (for example, standard
purchases, standard sash acv as and act; purchase, balance transfer and cash advance balance subject to
promotional terms). We refer to these lances as transaction categories.
We figure the "daily balance" for each nsaction category. To get the "daily balance" we take the beginning
balance for each day, add any raw tra ctions and fees and any Interest Charges accrued on the previous day's
dal balance. We then subtr d any cr its and payments and make other adjustments (including chose
adjustments required in the section tided Paying Interest"). In calculating the daily balance for the first day of the
biMng period, we consider ih "previo day's daily baksnce" to have been your balance on the last day of your
previous billing period. This Ives us ih daily balance for each transaction category.
We Figure the Interest Charges on your ccount by multiplying the daily balance for each transaction category by
its dal periodic rate, for each day in billing period.
The told Interest Charges for the billing rind are the sum of the daily Interest Charges for each transaction
category for each day during that hint period.
When we calculate daily balances, add a transaction as of the Transaction Date shown on your billirg statement,
unless the transaction is posted to you Account her the close of the billing period in which it occurs, in which case the
transaction will be added to iha daily lance of the first day of the billing period in which it is posted to our Account. All
fees charged to your Account are ad ad to the andard purchase transaction category with the exceptlon of Cash Advance
Fees which are added to the appplice a cash a nce transaction category and Balance Transfer Fees which are added to
the applicoble balance transfer transtlion cote fory.
Credit Balances. If your Account has a credit b lance, the amount is shown on the front of your billing statement. A credit
balance is money that is owed to you You ma make charrgges against this amount if your Account is open. We will send
you a refund of any remaining balm of $1-01 or more ater 6 months, or as otherwise required by applicable low.
For TDD (Telecommon icafions Device r the Ds assistance, please call 1-800.347-7449.
AWAY monitor and/or recordyelephone ails between you and Discover representatives for quality assurance
The Discovermcard is issued by Discover Bank, ember FDIC OITOK172
I
Questions? Visit www.Di cover. opm or ?I$ClVER
call 1.800-DISCOVER 11 -80 -347-2 83).
DISCOVER
Information For You
When making paymens, please send a check with your payment coupon to the address we provided on your statement.
This will help you avoid addiliorrai interest charges and/or late payments, as it can take additional time to process and
credit cash payments and payments sent to a different address. The Additional Important information section on your
statement provides specific details.
Need Cash2 Whether it's for an unexpected bill or an emergency car repair, Discover(R) Card can always help. Get cash
at ATMs nationwide or have money deposited directly inb your bank account. Visit Piscovw.com/cash to And oui more.
This mom,""red Cashbock Sorws(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashbock Bonus for
a $25 Bed Bath & Beyond gift card.
9578334
DISCOVER
r--
New Balance Minimum Payment Due
$2,999.56 $62.00
Payment Due Date
November 28, 2010
02 SDSNSA01 0005048
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
tuber 2, 2010
PO BOX 71084 111% oil 111111111111111411 11
CHARLOTTE NC 28272-1084
Address, e-mail or telephonechangee Irr?rllu?mlrllujlrtlrlinllllnr?iilufrrllrrlnlrrlrlrrll
Go to www.Discovar o n or print change in space above.
000001986458214473213029995600040000006200
Opening Date: October 3, 2010 - Closing Vale: Nove
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $55.55
f Paymeds And Credits 40.00
Purchases + 80.06
Balance Transfers + 0.00
Cosh Advances + 2,700.98
Interest Charged + 41.46
Fees Charged + 161.51
41V6w Bice X 2,999.56
See Interest Charge Calculation section following
transactions for detailed APR information
Credo Line $5,300.00
Credit Line Available $2,300.00
Cash Advance Credit line $2,700.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, we Additional
Imoortant Information for details.
CaS backBanuSe AnniversdryMonlb
February
Opening Cashback Bonus balance $ 8.77
New Cashback Bonus Thts Period + 0.17
Cashbacic sonu: Balaare $ 8.94
To harm more, log in of werw.Duoover com
Account Number ending in 9400
Enter Amount Enclosed 8ebw
Pay online at www.Discover.com or make check
payable to Discover Phone and Internet
payments must be made by 5:00pm ET for same
day posting.
Text APP to OISCOV" to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
page 1 of 3
Payment Information
New Balance $2,999.56
Minimum Payment Due $62.00
Payment Due Date November 28, 2010
Lois Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penally
APR of 18.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For exompie:
11...? ? ...... .......
Only the minimum 11 years $7,452
PQymed
$ 117
1 3 years 212
(Savings = $3,240 )
if you would like information about credit counseling services,
call 1-800.3471121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discovercom • Accesa free online tools like Paydown Planner to create a plan
2. Call 1-800-DISCOVER (1-800-347.268to pay down your bakince, securely, access statemmds, pay
Please have your Discovers card available bills online and easily track all transactions
3. Write to us at Discover PO Box 30943, . Make your mono worth moresM-find eas was to earn
Sak Lake City, LIT 841 !10 (Not a payment address) redeem cash Y Y
For payments, please send to address on remittance or and redeem cash rewards
Discover. PO Box 6103, Carol Stream, IL 60 1 97-6 1 03 NEWI Access your account securely through your
For TDD (Telecommunications Device for the Deal) mobile phone
assistance, please cap 1.800-347.7449
'T'G; GCtions
Trans. Post
Dale Date
Pamymm is and Credits Oct 25 Oct 25 PAYMENT THANK YOU $ -40.00
Mewhandbo Oct 30 Oct 30 NME MAGAZINEORDER 866-3124233 FL $ 67.08
Other/Miscellaneous Oct W Oct 10 WALLET PROTECTION I MO 888.802-9639 UT 2.99
Oct 22 Oct 22 IDENTITY THEFT PROTECT 8 003 47-3 0 8 9 UT 9.99
Cash Advances Oct 7 Oct 7 GCA' HOLLYWOOD CASINO AT GRANTVILLF PA 534.99
Oct 10 Oct 10 GCA• HOLLYWOOD CASINO AT GRANTVILLE PA 32.4.99
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC40VER
Paperless statem nts
! can less clufter, more convenience
of down
Easily access up to 24 dable, password protected statements.
- See your statement as so n as it's vailoble rather than wail for it to arrive in your mailbox. 1
- Get helpful payment reml ders thr gh e-mail or text messages on your mobile phone.
- Print a paper copy of you statem t anytime.
- Sign up today of Discover Cam/p rless
f
1:201 D Discover Bonk, Memiser fCAC
PMF&.D] 10
`
Transactions
Trans. Post
(cont.) Date Date
Cosh Advancet Oct 14 Oct 14 CASH ADVANCE INTO CHECKING ACCT *4398 1,841.00
Fees Oct 7 Oct 7 CASH ADVANCE FEE $ 26.75
Oct 10 + Oct TO CASH ADVANCE FEE 16.25
Oct 14 I Oct 14 CASH ADVANCE FEE 92.05
Nov 2 Nov 2 PAYMENT PROTECTION PPD 1.877.883.1959 26.46
TOTAL FEES FOR THIS PERIOD 161.51
interest charged INTEREST CHARGE ON PURCHASES $ 0.42
INTEREST CHARGE ON CASH ADVANCES 41.04
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
1 TOTAL INTEREST FOR THIS PERIOD 41 A6
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 $ 339.94
1
I
I TOTAL INTEREST CHARGED IN 2010 768.31
f
i
9578334
i
1
I
Questions' Visit vvww.Di1cover. m or DISCOVER
call 1.800-DISCOVER (1.800 347-283).
DISCOVER
PATRICIA MEIXNER
It pays to Account number ending in 9,400
DISCIRM-A
page 2 of 3
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current sling Period: 31 days
TYPE Of BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INIFREST CHARGE
RATE (APR) INTEREST RATE
purchases 13,24% V $37.35 $0.42
Cash Advances 23.99% V $2,014.59 $41.04
V - Vari" Rais
AddWarial limpoft t 6ferrrrati-
See yarn Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report Immediatefyl Cell 1 800-347-26133.
MW To Do N You Think You Find A Mf>Etake On Your Statement
If you think there is an error an your statement, write to us at: Discover, PO Box 30421 Salt Lake City, UT SAII30-0421
In your letter, give us the following Information:
Account, tn6orrnatton: Your name and account number.
Dollor amount The dollar amount of the suspected error
Motion of Prgilem. If you think there is an error on your bill, describe what you believe is wrong and why you believe
mIdak0.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors € wntl . You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount In question.
While we investigate whether or not there has been an error, the following are true:
We cannot try to collect the amount in question, or report you as delinquent on that amount,
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if
we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
While you do not have lo pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your RWjh If You Are Waaadg&d Wkb Your Credit taard Purchases
IF you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried
in good F0-p rc correct the problem with the merchant, you may have the right not to pay the remaining amount
duo on the purchase.
To use this right, all of the following must be true;
1 The purchase must have been nude in your home state or within 100 mites of your current mailing address, and
ilia purchose price must have been more than $50, {Note: Neither of these are necessary if your purchase was
based on an advertisement we matted to you or if we own the company that sold you the goods or services.)
2. You mud have used your credit card for the purchase. Purchases made with cash advances From an ATM or with a
check dxd accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
J all of 8u ailaria above are met and you are still dissatisfied with the purchase, contact us I rflin at
Discover, PO Box 30945, Salt Lake Cify, UT 84130-0945
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
may report y will tell our decision. At that point, if we think you owe an amount and you do not pay we
may report you u as de)€nquen ent.
payrrsents. You may pay alt or part of your Account balance at any time. However, you must pay at least the Minimum
Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope
provided. Do rat send cash. By sending your check as described above, you authorize us to use information on your check
Po make an electronic (hind transfer from your account at the financial institution indicated on your check or to process the
pc"n! as a check transaction. IF paymant is processed as on electronic fund transfer, the transfer will be for the amount of
the check. When we use information From your check to make an electronic fund fransFer, funds may be withdrawn from your
account as soon as The some day we receive your payment, and you will not receive your check back from your financial
institution.
Thfi ocessing of yyoour payment may be delayed iF you send cash, correspondence or other items with your payment, if you
sehe payment fo other addresa or IF you use an envelope other than the orM provided. Payne Is received in proper
dou cee of our processing Facility after 5PM Beal time will be credited byou r Account as of the next toy. If you have
misplaced your envelope, send your payment to Discover, f'O Box b 103 Carol Sireom, Il 601976 F 03. Please allow 710
days for de'very. IFyvur payment (s returned vnpa€d, we reserve the r€g(7t to resubmit if as an electronic nobit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
You can pay monthly pEtymarris Due, a greater amount Ifxt does not ayour current Account balance,
ver the le one or you 8c through a ustomer service reafiva by tolling
1-80437. 683. Automaic wi be dad ad on the Payment Due Dote unless you request a recurringpa?ymens
dab (e.. the ISth day of the month) that curs be a yow Payment Due Dale. If your scheduled payment dote Falls on a
weaken or bank holiday, your payment w N be pr d tta business day prior to the weekend or bank holiday. In order
to schiedrrla monthly paymnts f>, toler?hon you will eed this statament and your bank account information. You will be
asked to provide 16 last four (4 diefls of social urity number of the primary borrower. By providing those numbers as
your electronic signature, you will be agr ing to this authorization to allow us and your bank to deduct each payment you
authorize, in the arrrount selected by you, m your rile account. You also authorize us to initiate debit or credit entries to
your bank account, as a?Iicable, o wins an error in the proceuing of such payment. You can cancel a scheduled
payment by phone at 1•$60-347.2683 or mail at ixovar, PO Box 30421 Sail Lake City, UT 84 1 3404 2 1 however we
must receive ratite of 1eas1 three business ys Ina rice of Fhe scheduled payment. IF your payments may vary in amount,
we will tell you on each monthly billing slat moil your payment wiB ba mode and how much it will be. You must ensure
Ihal sufficient twits are available in your bnk accou t, and aII transactions mull comply with U.S. law.
You can set aulomalic payments For (ij staJemen? N Balance, {fi) sletemert Minimum Payment Due, (iii) statement Minimum
Payment Due plus a fixed dollar amount, of Gv) a fix dollar amount, If your sc ufed fixed payment is not enough to cover
the Minimum Payment Due as listed on yoyyrr monthly illin statement, your scheduled payment for that month will ba
increased to cover The Minimum Payment Oue. If the hag, statement,
payment rs a r t than the Minimum Payment Duo, any
excess will be applied in accordance with yyoaur Cord ember Agreement. Ifgyour scheduled payman[ is greater than the New
Balance on your billy statement, that payfian! will recessed only for His amount of your fVew Balance. Your automatic
payment amount may be less Ilion the amriinril lrxllca tl on the periodic statement based on credits or payments after the
Closing Date.
If you enroll by phone in our automatic payment sery co, please fill-in the following blanks below and retain the authorization
for your records.
Amount: ? Fulf Pay ? Min Pay I Min Pay + $ ? Fixed Pay$_
Bank Routing Bank ccount #: Frequency:
Credit Reporting, We say report informs on about ur Account to credit bureaus, Late payments, missed payments, or
other deFarlts on your Account may ba re fed !n ur credit repent. We normally report the status and payment history of
your Account to credit reporting agencies dr mo If you believe that our report is inaccurate or incomplete, please write
vs at the folowing address: Dixover, PO ox 1531 ,Wilmington, DE 19854531 b. Please indicate your name, address,
home telephone number and Account nu r.
Ppying krhresh Wean to impose Inter sf Chang on atf transactions from the Transaction Date for the transaction shown
on your biting slate unless a liaise on is to your Accoun! okay Fha cbse of the billing period in which it occurs,
in which case wa begin to impose interest charges That transaction From the first day of the billing period in which it is
posted to your Accra it. Wa continue to i pose I . est Charges until the date you pay your entire New Balance shown on
your bilk statement by making payman or receiv rig credits. If you paid the Now Balance on your previous billingg
statement the Payment Due Dale slow on that b IIng statement, we will rot impose Interest Charges on now purchases,
that is, purchases first appeering on the cgrrent bAl statement, or am portion of anew purchase, p?rd by the Payment Due
Dpte on your current billing statement. Wh coil this a "grace Period. It is rat less than 25 dayys. There is no grace period
oe balance transfers or cash advances. ?s more ful described in the section of your Cordmember Agreement tilled "How
We Apply Payments," we generally appf?i payment s your Account based on the APR opplicable to the balance of each
tronsoc on category. This means a _+t do not y the New Balance on the current billing statement 6y the Payment Due
Date shown on that billing statement, then?dependi on the amount of your payment and the APRs on other balances, you
may not get a grace period on now pure ses.
Annual Fee. If your Account has an ann I fee, it w be billed at the bernning of each anniversary year ur Account is
open. The amourd of ore lee appears on a statem f when the Fee !s billed. The annual fee is not refundable unless you
notify us that you wish to close your Acco rd within 0 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refund evert if you u your Card during ihot period.
Haw % Calculate Interest Charges Doi r Balance Method (including current transactions): We figure interest Charges for
each billing period. To do this:
We calculate your Interest Charges separal for each balance subject to different terms (for example, standard
pwchoses, standard cash advanc$s and ea purchase, balance transfer and cash advance balance subject to
promotional terms). We refer to Those bola as as transaction categories.
We figure the "daily balance" (al each Iran ction category. To get the "doily balance" we take the 6aginning
balance for each day, add any n#w hanso ions and fees and any Interest Charges accrued on the previous day's
daily balance. We then subtract pny cradi and payments and make other adjustments (including those
adjustments required in the loch titled "P yang interest"J. In colcvloling the daily balance for the first day of the
bil?iiig period, we consider ilia previous d s daily balance' to have been your balance on the last day of your
previous billing period. This givo)S us the d ily balance For each transaction category.
Wa figure the 4deresf Charges your Acc nl by multiplying the daily balance for aach transaction category by
its daily periodic role, for each d?y In the Hing period.
The total Interet Charges for Iheilling pa are the sum of the daily Interest Chargas for each transaction
category for each day during 1h billing iod.
When we calculate deify balances, we a a new ansaction as of the Transaction Date shown on your billing statement,
unless the transaction is pealed to your ount a r the close of the billing period in which it occurs, in which case"
transaction will be added to the tailyy be rice as o the first day of the billing period in which it is polled to your Account. Al!
fees charmed to your Account are added to the eta dard purchase transaction category with the exception of Cash Advance
Fees which are added to the applicable sh adva a transaction category and Balance Transfer Foos which are added to
the applicable balance transfer fronsodi n catego .
Credit Balances. If your Account has a credit bale e, the amount is shown on Ike front of your billing statement. A credit
balance is money tlxcd is owed to you. You maoyy m ko charges against this amount If your Account is open. We will send
you a refund of any remaining balance if $ I.00 o more altar 6 months, or as otherwise required by applicable law.
For TDD (Telecommunications Device for Deaf) ssistance, please call 1-800-347.7449.
Di m y? onitor and/or record Is phone ca between you and Discover representatives for quality assurance
3
The Discoverocard is issued by Discovet Bonk, M bar FDIC O I TSK 1 72
f
I
QUestlons? Visit www.Disc or.co or
call 1-800-DISCOVER () -800- 47268 }. DISCOVER
DISCOVER
New Balance Minimum Payment Due
$3,110.67 $79.00 i
Payment Due Dole
December 28, 2010
02 SDSMAOi 0005048
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
Pay online at www.Diuover.wm or make check
payable to Discover Phone and late at
payments must be made by S:ODpm ET for some
day gosling.
Text APP to DISCOV toreceive a link to our
free mobile app and pay your bpi in seconds
from anywhere!
PO Box 71084 tlirtrllrr.tla«.rfdi.afrl
CHARLOTTE NC 28272-1084
Address, "oil or telephone chaogell Ir,IrIlrrlIt lrlitr,lrslilif rlllltnrlrlIt tlttlitrlttlnltlIt ll
Go to www.Discowr corn or print charge in space hove.
000001986458214473213031106200070000007900
Opening Dale: November 3, 2010 Closing Dale; De
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $2,999.56
Paymenh And Credits 70.00
Purchases + 95.05
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 58.57
Fees Charged + 27.44
New?crnce ----?3,110. 22
See Interest Charge Colculat ion section following
transactions for detailed APR information
Credit Line $5,300.00
Credit Line Available $2,189.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $0.00
You may be aisle to avoid Interest Charges, see Additional
Important Information for details.
:ember 2, 2010
Me 1 of 3
Payment Infolntation
New Balance $3,110.62
Minimum Payment Due $79.00
Payment Due Date December 28, 2010
Leila Payment Warning: If we do not receive your minimum
payment by the dais listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penally
APR of 18.249 variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
:.. ,
Only the minimum 12 years $7,909
payment 1
$121 3 years $4,356
(Savings - ss $3,553
1
If you would like information about credit coup Wing services,
call I-800.347.1121
Gas bock f3ortuSe Anniversary Month
February
Opening Coshback Bonus Balance $ 8.94
Now Cashbock Bonus This Period + 0.30
Caahback berms Balance $-. 9.24
To born more, log in al wn .Discover.cam
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
I Access your account securely of www,Discover.corn Access free online tools like Paydown Planner to create a plan
2. Call 1.800-DISCOVER f 1-800.347-2683)
bl
s
il
h
Di
d
l down your balance, securely accesa statements, pay
to pay
ll
d
e
scover
car
ava
a
ease
ave your
P ,
easily track a
Transactions
bills online an
3. Write to us at Discover PO Box 30943,
Solt Lake City, UT 841'30 Not a payment address)
Make your money worth morel-find easy ways to earn
For payments, please send to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Carol Stream, IL 60197-6) 03 NEWT Access your account securely through your
for TDD (Telecommunications Device for the Deal) mobile phone
assistance, please call 1.800.347.7449.
-
A
alp" do IN I
ransachons
Trans. Ao:T
Date Date
Payarerts and Credits Nov 24 Nov 24 PAYMENT THANK YOU $ -70.00
Merchandise Nov 22 Nov 22 GREAT FUN 16353369NOV 800-285-5903 CT $ 14.99
ZOO 16353369NOV
Nov 29 Nov 29 NME MAGAZINEORDER 866.3124233 FL 67.08
Other/Miscellaneous Nov 10 Nov 10 WALLET PROTECTION 1 MO 888-8029639 UT 2.99
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
i
I
f
Paperless statements m
less clutter, more convenience
Easily access up b 24 months of wnlo i
a able, password protected statements.
i • See your statement as soon s is ov a lable rather than wait for it to arrive in your mailbox.
• Get helpful payment remind
4s throu
g e-mail or text messages on your mobile phone.
? • Print a paper copy of your statement nytime.
• Sign up today of Discovercot?/pope
II ss
i
i C2010 Discos Bunk Member FiNC i
N4PER.Q310
Transactions
Trans. N
(cont.) Date D at
?te
Other/Miscellaneous Nov 22 22 1 NTITY THEFT PROTECT 800-347-3089 LIT 9.99
Fees Dec 2 c 2 P YMENT PROTECTION PPD 1.877.883.1959 $ 27.44
T TAL FEES FOR THIS PERIOD 27.44
Interest Charged I EREST CHARGE ON PURCHASES $ 1.35
I EREST CHARGE ON CASH ADVANCES 57.22
I TEREST CHARGE ON BALANCE TRANSFERS 0.00
T TAL INTEREST FOR THIS PERIOD 58.57
2014 Totals Year-to-Date
T TAL FEES CHARGED IN 2010 $ 367.38
1 T
!I
I TAL INTEREST CHARGED IN 2010 826.88
i
i
i
i
i
95578334 i
i
Questions? Visit www.Dis verxo o r
call 1-800-DISCOVER 11.800-3 17-268 1. DISCOVER
DISCOVER
I It pays to PATRICIA MEIXNER
i O( , Account number ending in 9400
page 2 of 3
Interest Charge Calculation
Your Annual Percentage Rate (APR' is the annual interest rate an your account.
current Aiding Period: 30 days
TYPE OF BALANCE
Purchases
Cash Advances
V = Variable Rate
Ad&6,,al kaporiont information.
See your Cardmeni6er Agreement.
ANNUAL PERCENTAGE BALANCE T SSUL ECT TO INTEREST CHARGE
RATE
RATE (M)
13.24% V 2124.91 $1.35
23.99% V $2,902.23 $57.22
Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediateiyl Coll 1400-347-2663.
What ro Do N You Think Yam Find A Mistake On Your Statemestt
If you think there is on error onyour statement, write to us at: Discover, PO Box 30421 Salt Lake City, UT 84130-0421
In your letter, give us the following information:
Account informarion: Your name and account number
Dollar amouni: The dollar amount of the suspected error
DescrioF.ion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
tl P. a_mutace?.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any poterdial errors You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount In question.
White we investigate whether or not there has been an error, the following ore true:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you inlorest on that amount. But, if
we determine that we mode a mistake, you will not have to pay the amount in question or any Irderest or other fees related
to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit Itm it.
Your Rights L f You Are Dissatisfied With Yaur Credit Card Purchases
If you are dissatisfied with the goods or services did you have purchased with your credit card, and you have tried
In good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 m alas of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you or If we own the company that sold you the goods or services.)
2. You most have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check ;hat accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase,
If all of the criteria above are met and you still dissatisfied with the purchase, contact us in writin at:
Discover, PO Box 30945, Salt Lake Cl yf , U7141304945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decimon. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent,
Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum
Payment Due by the Payment Due Date. Send only your payrtsent and the top portion of this statement in the envelope
prowded. Do not send cash. B sending your check as described above, you authorize us to use information on your check
to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the
pnymeni as o check transaction. If payymment is processed as an electronic fund transfer, the transfer will be for the amount of
the chock. When we use information trem your chock to make an electronic fund transfer, funds may be withdrawn From your
account as soon as tho some day we receive your payment, and you will not receive your check back from your financial
institution.
The processing of your payment may be delayed if you send cash, correspondence or other Items with r payment, if you
sonrl the payment fo ouny other address or if you use an envelope other than the one provided. Paymen s received In proper
form at our processing Facility by5PM local time on any day wilt be credited to your Account as of that day. Payments
received ot our proceashrg Eacdr oAer 5PM local time will be credited to your Account as of the next day, if you have
misplaced your envelope, send your payment to Discover PO Box 6103 Carol Stream IL 60197.6103. Please allow 7-10
days for delivery. If your payment is retuned unpaid, we reserve the right to resubmit If as an electronic debit.
9878334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Yau coneisle or you pay monthly Minimup m c P trial ant D o
o ver th ic pc
1-81)0.347- 683. Aedo ,ecan etu pagan will be d
date e.g, the 15th of the month) I at occura
week+ ad or bank hot' ay, your paym t will be 1
to schedule monthly payments r tat ne, you
asked to provide the fast four (4) digi s the soc
your electronic signature, you will be o wing to
authorize in the amount selected by , From yc
your bout C account, as a licoble, to red an e
payment by phone at 1-800 347-2683r or by m a
must receive notice at at three business days fn
we will tell you on each monthly bill]ngistalement
that sufficient funds are available in yortr bank ac
o a granter amount that does not ceed our current Account balance,
"ants through a customer service rePexresentyahve by calling
kuted on the Payment Due Date unless you request a recuni payment
eloro your Payment Due Date. IF your scheduled payment date Faits on a
xessed the business day prior to the weekend or bank holiday. In order
11 need this statement and your bank account information. You will be
security number of the primary borrower. By p?oviding those numbers as
is authorization to allow us and your bank to deduct each paymanl you
bank account. You also authorize us to initiate debit or credit entries to
x In the processing of such payment. You can cancel a scheduled
it Discover, P'O Box 39421 Sa Lake City, LIT 84 1 30-042 1 however we
dvance of the scheduled payment. If your payments may vary in amount,
hen your payment will be made and how much it will be. You must ensure
,unt, and all transaclions must comply with U.S. law.
You can sat automatic poymenb For (i?sMtement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum
Payment Due a fixed dollar amou or (dv) a fixed dollar amount. If your scheduled fixed payment is not enicaTh to cover
tha Minimum eymend Due as listed on r m My billing statement, your scheduled payment for that month will
increased to cover the Minimum Paym Due. IF scheduled payment is greater than the Minimum Payment Due, an
excess will be applied in accordance v t}It your rdmember Agreement. If your scheduled payment is greater than the New
9alance on your" billing statement, lhataipayment ill be roeessed only for the amount of your New Balance. Your automatic
payment amount may he less than the mount i Icated on the periodic statement based on credits or payments after the
Closing Dale.
If you enroll by phone in our oulomafil payment rvice, please fill-in the following blanks below and retain the auAnoriration
for your records. -1 Min El Full Pay ? Min P y
A Pay + $_ ? Fixed ay
F $_
Bank Routing #: 6 k Account #: Frequency;
Credit Reporting. We may report infer anion o6 PA your Account to credit bureaus. Late payments, missed payments, or
other defauhs on your Account may be roRected r credit report. We normally report the atrltUS and payment hisfory of
your Account to credit report ing agent ea oath youIf you believe that our report is inaccurate or incomplete, please write
us at the Wallowing address: Discover, Box 1 316, Wilmington, DE 19850-5316. Please indicate your name, address,
home telephone number and Account umber
Paying Interest. We begin to impose Itrterest C rges on all transactions from the Transaction Dote for the transaction shown
on your billing statemed, unless a Irani a,n is sted to your Account after the close of the billing period in which it occurs,
in which ccsre we begin to impose into esf char an that transaction from the first day of the billing period in which it is
posted to your Accord. We continue impose nlerest Charges until this dale you payrur entire New Bol enee shownon
your billingg statement by making payrr is or lying credits. IF you paid the N" Ba once on your previous billing
statement b the Payment Due Date s con an billing statement, we will not impose Interest C iotgas on new purchases,
that is, purchases first a aring on th! current Him statement, or any portion of a new ppurchase, paid by the Payment Due
Date on your tarred biting statement. i We call is tfie "grace period. H is rat less than 25 days. There is no race period
on balance fronslers or cash advances As more fully described in the section of your Cordmernber Agreement fled "flow
We?PFt erts " we gonaralfy sly paym s to your Account based on the APR applicable to the balance of each
than gory. This means Iha YOU. do of pay the New Balance on the current bfNing slalemont by the Payment Due
pate shown hd Wbng statement, i n, aps ding on the amount of your payment and tha APRs on other balances, you
may not get a grata period on now purchases.
Annual Fee. If your Account has an ual Fee, i will be billed at the beginning of each anniversary year your Account is
open. The amount of the fee appears the stn ment when the fee is billed. The annual Fee is not refundable unless yyou
notify us that you wish to close yaw A count wit in 30 days of the mailing or delivery date oFthe statement on which Ifre foe
is billed. You will receive this reFurrd n if you se your Card during that period.
Flaw We Calculate Interest Charges y Bal a Method (including current transactions); We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Ch as sepa ly for each balance subject to different terms (for example, standard
purchases, standard cash ad nces and ach purchase, balance transfer and cash advance balance subject to
promotional terms). We refer o these antes as transaction categories.
We figure the 'daily balance' for each t nsodion category. To get the "daily balance" we take the beginning
balance for each day, add an now Ira lions and fees and any Interest Charges accrued on the previous day s
daily balance. We Then subf d any cr Its and ppaaymonls and make other adjustments (Including those
adjustments required in the se 'on Idled Paying frterest'). In calculating the daily balance for the firs] day of the
billing period, we consider pro iou toy's doily balance to have been your balance on the lost day of your
previous billing period. This g cos us ih daily balance for each transaction category,
We I' re the Interest Char on your count by multiplying the daily balance for each transaction category by
its daily periodic rate, far eat day in th billing period.
The total Interest Charges for f e billing riod are the sum of the daily Interest Charges for each transaction
category for each day during t billing period.
When we calculate daily balances, w add a n transaction as of the Transaction Date shown on your billing statement,
unless the transaction is pasted to you Account Der the close of the bilk period in which it occurs, in which case the
transaction will be added to the Bail nce a of the first day of the bit Ing period in which it is posted to your Account. All
Foes charged to your Account are to the andard purchase transaction category with the exception of Cash Advance
Fees which are added to Ike applicab cash ad nce transaction category and Balance Transfer Fees which are added to
the applicable balance fronsfei hansa lion tole
"it Balances. If your Account has credit b nce, the amount is shown on the front of your billing statement. A credit
balance is money that is owed to you. You ma make charges against this amount if your Account is open. We will send
you a refund of any remaining balonc? of $1, or more C. 6 months, or as otherwise required by applicable law.
For TDD (Telecommunications Device the De assistance, please call 1.800.347.7449.
Djs?gy?r jrryyamonitor and/or record alephone ells between you and Discover representatives for quality assurance
The Discovermcani is issued by Disc T' Bank, ember FDIC 011OK 172
Questions? Visit www.Di cover. or
call 1.800-DISCOVER (1.800 347-2 831. DISCOVER
DISCOVER N$423ow Balance
02 SDSNBAOI 00e5050
PATRICIA NEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
-?
Pay oonr?line at www.Dis<over.com or make check
payabh to Discover. Phone and Internet
payments must be made by 5-00pm ET for same
day posting.
Text APP to DISCOV• to receive a Ink to our
free mobile app and pay your bill In seconds
from anywhere!
Po Box 71084 11lrtrltttttltrtrsttttrtlal
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change?
Go to www.Di=ovw.com or print change in space above IrrltlLtLrrldlrrrltrLLrrltlLtJrtLtinJitrltnl,tLlydl
.
000001986458214473213004236203110000005200
Jpening uate: yocember 3, 2u 10 - Closing ogle:
Discover More Card Account Summary
Account number ending in 9400
ry Z, Zu I I page 1 of 3
Payment Information
New Balance $423.62
Minimum Payment Due $52.00
Payment Due Date January 28, 2011
taste Payment Warning. If we do not receive your minimum
payment by the dole listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 18.2A% variable.
Previous Balance $3,110.62
Payments And Credits 3,110.0c
Purchases + 38743
Balance Transfers + 0.0c
Cash Advances + 0.00
Interest Chorged + 31,84
Fees Charged + 3.73
New Balance -- --- -W3.62
See Interest Charge Calculation section Wowing
fransnctions for detailed APR information
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longs to pay off your balance. For example:
AN _NW, 10 - W
U 5.
"Folk
,. r ..
c
Only the minimum 12 months $456
Pay-wit
Credit line $5,300.00
Credit Line Available $4,876.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $2,700.00
You may be able to avoid Interest Charges, see Additional
Important Information for detain.
If you would like information about credit counseling services
call 1-800.347.1121
Cas back Bonus"
Anniversary Month
February
Opening Cashback Bonus Balance $ 9.24
New Cashback Bonus This Period + 0.97
Cashback Bonus Balance A -? -- $ 10.21
To learn mono, log in at vsww.DSsasver.eom
3 Easy Ways to Contact Us
1 Access your account securely at www.Discmr corn
2. Call 1-800-DISCOVER (1-800-347-2683
1
Please hate your Discover® card available.
3. Write to us at Discover PO Box 30943,
Salt Lace City, UT 841 !10 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197.6103
For TDD (Telecommunications Device for the Dead
assistance, please call 1-800-347-7449.
Manage Your Account Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
to y down your balance, securely access statements, pay
bills online and easily frock all transactions
• Make your money worth moreSM-find easy ways to earn
and redeem cash rewards
• NEW Access your account securely through your
mobile phone
ransa 'ons
Trans. Past
Dare Date
Payments and Credits Dec 17 Dec 17 PAYMENT THANK YOU $ -3,110.00
Merchandise Dec 21 Dec 21 GREAT FUN 16353369DEC 800285.5903 CT $ 14.99
Z0016353369DEC
Dee 29 Dec 29 NME MAGAZINEORDER 866.3124233 FL 67.08
Other/Miscallaneous Dec 10 Dec 10 WALLET PROTECTION 1 MO 888.802.9639 UT 2.99
Minimum Payment Due
S52.00
Payment Due Date
January 28, 2011
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
I I
r
Paperless statem ents can less clutter, more convenience
Easily access up to 24 month of dow looda6le, password protected statements.
e See your statement as so n as it's vailable rather than wait for it to arrive in your mailbox.
e Gel helpful payment remi dens 1hr h e-mail or text messages on your mobile phone.
• Print a paper copy of you
I r stalem t anytime.
• 5ign up today at Discove /pa Mess
4,17010 Dfsaovu 6.4k. Member FDIC I PAPERM10
Transactions
Trans.
Cont.) Date Post
Daft
Other/Miscellaneous Dec 22 I Dec 22 IDENTITY THEFT PROTECT 800347-3089 UT 9.99
Supermarkets Dec 3 Dec 3 GIANT FOOD # 112 CARLISLE PA 292.38
000034
Fees Jon 2 Jan 2 PAYMENT PROTECTION PPD 1-877-883-1959 $ 3.73
TOTAL FEES FOR THIS PERIOD 3.73
Interest Charged INTEREST CHARGE ON PURCHASES $ 4.51
INTEREST CHARGE ON CASH ADVANCES 27.33
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 31.94
2011 Totals Year-to-Date
TOTAL FEES CHARGED IN 2011 $ 3.73
TOTAL INTEREST CHARGED IN 2011 31.84
9578334
Questions? visit www
v, ver
c
.
call 1 800-DISCOVER (1.800-3 .
47-26t or
3). DISCOVER
DISCOVER
t It pays to PATRICIA MEIXNER
i _ Account number ending in 9400
page 2 of 3
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period: 31 days
TYPE OF BAIANCE ANN (, p PERCENTAGE INBALANCE TEREST RA?ECT TO INTEREST CHARGE
RATE Purchases 13.24% V $A01.58 34.51
Cash Advamos 23.99% V $1,342.10 $27.33
V s Variable Rate
Additional Important Ir"mation.
See your Cafrdmember Agreetrreet. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediatelyl Call 1.800-347-2683.
Mar j'o Vo if You think You find A Mishrke On Your Sfcoment
if you think there Is an error on your statement, write to us at: Discover, PO Box 30421 Salt lake City, UT 84130 OA21
In your letter, give us the folkrwfng information:
Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error
• jao of F roblem: If you think there is on error on your bill, describe what you believe is wrong and why you believe
it is n misic0.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in ?yrjti . You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay uw amount in question.
While we investigate whether or not there has been on error, the following are true:
We wnnol try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and We may continue to charge you interest an that amount. But, if
we determine that vve made a mistake, you wig not have to pay the amourd In question or any interest or other fees related
to that amount.
While you do not have to pay the amount in question, you ore responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Yaw thts If You Are DissaNafied With Your Credit Card Purchases
If you are dissatisfied with the ggo?ods or services that you have purchased with your credit card, and you hove tried
in good faith to correct the probtenn with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, ag of the following must be true:
I The purchase must have bean made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been move than $50. (Nole: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that occesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of lire criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover, PO Box 30945, Salt Lake Cify, UT 84 1 30 0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may repot you 07 delinquent.
Payments. You may pay all or pat of your Account balance of any time. However, you must pay of k cal the Minimum
Payment Due by the l cryment Due Date. Send only your payment and the top portion of this statement in the envelope
provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check
to make an electronic fund fronsfer from your account at the financial institution indicated on your check or to process the
pant as a check ironsoction, 9 payment is processed as an electronic fund transfer, the lmnsfer will be for the amount of
the check. When we use infommatlan From your check to make nn electronic hind transfer, funds may be withdrawn from your
occornrt as soon as the same day we receive your payment, and you will not receive your check back from your financial
institution.
he proceastng of your payment maybe delayed if you send cash, correspondence or then items with jr yopayment, iF you
send the payment b army ether address or if yaw use an envelope other Ikon the Dare provided. Paymenh received ?n proper
form at our processing lacifiiySPM local time on any dgyy wmN be credited to your Account as of Ihct day. Paymenh
received al our procearng facmlm attar 5PM local limo will be credited to yyqour Account as of the next any, f€ you have
misplaced yyour emalope, send your payment to Discover. PQ Box 6103 Cnrol Stream, ll b0197 6103. Please agow 7.10
toys for delivery. 11 your payment I. returned unpaid, we reserve the rig?f to resubmit it as an electronic debit,
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
You can pay ur monthly Minimum Payer nt Due, a greater amount that does not exceed your current Account balance,
over the We 9 or you can setup at t
1-804347- 683. Automatic payments vi
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ad on the Payment Due Dais unless you request a recur ri payment
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authorization to allow us and 'your bank to deduct each Payment you
,
authorize, in the amount selected by you, om your nk account. You also authorize us to initials debit or credit entries to
your bank account, as applicable, to corn an err in the processing of such payment. You can cancel a scheduled
payment by phone of 1.804347.2683 or y mail at iscover, PO Box 30,421 Salt Lake City, LIT 84130-0421 however we
must receive notice at least three business ays in ad of the scheduled payment. If your payments may vary in amount,
we will lent you on each monthly billing da
that sufficient funds are available in your ant wh
nk occo your payment will be made and how much it wig W. Yau must ensure
it, and all transactions must comply with U.S. law.
You can set automatic payments for: {i) st ement Ne Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum
Payment Due plus a fixed dollar amount, o {f v) a fix dollar amount. IF your scheduled fixed payment is onough to cover
Ehe Minimum Payment Due as tiered on yo r monthly fillinngg statement, your scheduled payment For that month will
increased to cover the Minimum Payment s, IF the heduled payment is greater than the Minimum Payment Due, any
excess will be applied in accordance with ur Card ember Agreement. Ii your scheduled payment is greater than the New
Balance on your billing statement, that pay scent will processed only for the amount of your New Balance. Your automatic
payment amount maybe less than the amount indic d on the peri odic statement based on credits or payments after the
Closing Date.
If you enroll by phone in our automatic pa ant serv to, please fill-in the following blanks below and retain the authorization
for your records.
Amount: ? Full Pay ? Min Pay . Min fay + $ ? Fixed Pay$___
Bonk Routing #• , Bank count #: , Frequency:
Credit Rsporling We may repot informal on about ur Account to credit bureaus. Late payments, missed payments, or
other defauhs on your Account may be ref octsd in r credit reppoort. We normally report the status and payment history of
your Account to credit reporlin agencio5 h In if u believe that our report is inaccurate or incomplete, please write
us at the following address: Discover, PO 1531 , V ington, DE 198505316, Please indicate your name, address,
home telephone number and Account nu r
Paying Interest: We begin to impose Into st Char on ail transactions from the Transaction Dole for the transaction shown
on your billing statement, unless a transact art is post to your Account after the close of the billing period In which it occurs,
in which case we begin to impose interest charges that transaction From the first day of the billing period in which it is
posted b your Account. We continue to "t pose Int Charges until the data you pay your entire New Balance shown on
your 61gin slaterna it by making paymerN or recely ng credits. If you paid the New Balance on your previous billing
statement?e Payment Dua Dale show on that lei ing statement, we wig not impose Interest Charges on new purchases,
ilpal is, es Brat oppaaring on fhs c enf biflin statement, or anX portion of a new purchase, paid by the Payment Due
Dale on your currant bigng statement. Wcafl Ibis "grace. porlod. It is not leas than 25 days. There is no Srace Period
an balance Iran:hers a cash advances. more fu described in the section of your Cardmember Agreement Ittled "mow
4Ye Apply Payments," we ganercRy apply payments your Account booed on fhs APR applicable to the balance of each
tnar»o on category This means rhat rl u do not the New Balance on iha current billing statement by the Payment Due
Date shown on that billing statement, then dependi on the amount of your payment and the APRs on other balances, you
may not get a grata period on new porch ses.
Annual Fee. if your Account has an ann I fee, it wi 6e billed at the 6eginning of each anniversary year your Account is
open. The amnamt of the Fee appears on slotem t when the fee is billed, The annual fee is not refundable unless you
notify us that you wish to cbsa your Acco nt within 0 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refund eve if you u your Card during that period.
How We Calculab Interest Charges Dail Balance Vlailiod (including current transactions); We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Charg seporat for each balance subject to different terms Ifor example, standard
purchases, standard cash ocivanc s and ea purchase, balance transfer and cash advance 6aiance subject to
promotional terms). We refer to ass bola as as transaction categories.
We figure the "daily balance" for each Ira ction category. To get the "daily 6ofonce" we take the beginning
balance For each day, add any n w transa ons and fees and any Interest Charges accrued on Iha previous day's
doily balance. We then subtract ny credit and payments and make other adjustments (including those
adjustments required in the secli titled "P 'ng fnterest"j. In calculating the Baily bolonce for Ike first day of the
billing period, we consider the " evious da 'a daily balance" to have been your balance on the last day of your
previous billing period. This give us the do ly balance for each transaction category.
We figure the Interest Charges on your At nt by multiplying the daily balance for each transaction category by
its daily periodic rate, for each d y in the b Ing period.
The total Interest Charges for the illing pe are The sum of the daily Interest Charges for each transaction
category For each day during the billing pe ' .
When we cakulote doily balances, we a d o newt nsoction as of the Transaction Date shown on your billing statement,
unless the transaction is posted to your count oNa the close of the billing period in which it occurs, in which case the
transaction wig be added to the daily bat nce as of the First doy of the bitting period in which it is posted to your Account. All
fetes charged to your Account are adddded the eta and purchase transaction category with the exception of Cash Advance
Fees which are added to the applicable sh adva a transaction category and Balance Transfer Foos which are added to
the applicable balance transfer fronsactio cafego
CreditBalances. If your Account has a cu it Gala s, the amount 4 shown on the front of your billing statement. A credit
balance is money that is owed to yyoou. Y u may m ke chargges against this amount if your Account is open. We will send
you a refund of any remaining batonce o $1.00 more otter 6 months, or as otherwise required by applicable law.
For TDD (Telecommunications Device for III- Deaf) ssistance, please call 1-800-347-7449.
Discover m monitor and/or record Isla hone toll between you and Discover representatives for quality assurance
The Discoverocard is issued by DiscoverlBank, Ma'"r FDIC OITBKi72
DISCOVER
New Balance { Minimum Payment Due
$1,620.78 $40.00
Paayymment Due Date
Fobruary 28, 2011
a2 SDSNeADt 0005051
PATRICIA NEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
any 2, 2011
PO SOX 71084 Iltnallnrlluuslsllarlrl
CHARLOTTE NC 28272-1084
Address, e-moil or telephone change? 1111[B1rrlrrrltlI alai
ulalurllllnalutlaalnllulrrinlrlull
Go to www.Disc~.com or print change in space above.
000001986458214473213016207800052000004000
Opening Date: January 3, 2011 - Closing Date: Febru
Discover More Card Account Summary
Account number ending In 9400
Previous Balance $423.62
Payments And Credits 52.40
Purchases + 664.48
Balance Transl+ars + 0.00
Cash Advances + 334.99
Fees Charged + 41.04
hoerest Charged + 9.05
Now Ba ce $1,62078
See Interest Charge Calculation section following
transactions for "tied APR information
Credit line $5,300.00
Credit Line Available $3,679.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $2,166.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Casts c Bonuse Anniversary Month
February
Opening Cashback Bonus Balance $ 10.21
New Cashback Bonus This Period + 1.99
CcAbadr Bonus Balance - - 12.20
To team more, 6a in a www0javover com
3 Easy Ways to Contact Us
1 Access your account securely at www.Dircavsr.com
2. Coil 1-800•DISCOVER (1.800-347-2683)
Please have your DiscoverOcard avaihabla,
3_ Write to us at Discover PO Box 30943,
Salt late. City UT 841130 (Not a payment address)
For payments, phase send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197-6103
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1-800.347-7449.
Account Number ending in 9400
Enter Amount Enclosed Below
J
Pay?online .Diseover.eom or make shade
poyable to Discover Phone and interrnet
payments must be made by 5:00pm ET for same
day posting.
Text APP to 0ISCOV to receive a link to our
free mobile app and pay your bill In seconds
from anywhere[
page I of 2
Payment Information
New Balance $1,620.78
Minimum Payment Due $40.00
Payment Dus Date February 28, 2011
Late Payment Waning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs far new tramactions may be increased up to the Penalty
APR of 18.24% variable.
Minimum Payment Waning! If you make only the minimum
payment each period, you will pay more in interest and 0 will
take you longer to pay off your balance. For example:
WH
O
f'.e. ( ..:.
Only the minimum 6 years $2,701
payment
$58 3 years
I
2,085
(Savings - $616 )
If you would like information about credit counseling services,
call 1.800-3,47-1121
Manage Your Account Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
to down your balance, securely access statements, pay
bi s online and easily track all transactions
• Make your money worth more3m-find easy ways to eon
and redeem cosh rewards
• NEWT Access your account securely through your
mobile phone
U 10 4--+
ransatctions
Trans. Post
Date Date
Poymenh and Credits Jan 20 Jan 26 INTEREST CHARGE REFUND $ 0.40
Jan 26 Jan 26 PAYMENT THANK YOU -52.00
Merchmdise )<m 16 Jan 16 WAL-MART SC #2574 CARLISLE PA $ 87,39
CASHOVER $ 60.00 PURCHASES $ 27.39
Jan 19 Jan 19 WAL-MART SC #2574 CARU5LE PA 68.47
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC VER
f
Paperless statements mn less clutter, more convenience
Easily access up to 24 months of ownloa able, password protected statements.
l • See your statement as soon s it's avo la6le rather than wait for it to arrive in your mailbox.
• Get helpful payment remind s throug e-mall or text messages on your mobile phone.
` • Print a paper copy of your st lement nytime. 1
• Sign up today of Discoverco /pope ss
ti12010 Dkonr Bonk, Mcnkn FDIC
PAPER.0310
Transactions
(cont.) Trans.
Daft P st
Ogle
Merchandise C HOVER $ 60.00 PURCHASES $ 8.47
Jon 21 Jan 21 G EAT FUN 16353369JAN 800.285-5903 CT 14.99
Z 16353369JAN
Jan 22 22 AL-MART SC #2574 CARUSLE PA 87.31
HOVER $ A0.00 PURCHASES $ 47.31
Jan 23 23 -MART SC 4257A CARLISLE PA 117.27
C HOVER $ 60.00 PURCHASES $ 57.27
Jan 29 29 AL MART SC #2574 CARLISLE PA 70.67
HOVER $ 60.00 PURCHASES $ 10.67
Jan 30 J n 30 WART SC 42574 CARLISLE PA 29.85
Jan 31 n 31 T E PAMPERED CHEF 88MI37.2433 IL 54.59
i 13770010
Other/Miscelianeous Jon 10 J n 10 ALLET PROTECTION 1 MO 888.802.9639 UT 2.99
Jan 23 n 23
J I NT17Y THEFT PROTECT 800-347-3089 UT 9.99
Gasoline Jan 16 J 16 R TTER'S FARM STORES #64 CARLISLE PA 31.74
Jan 23 J in 23 0 91 SHEETZ CARLISLE PA 20.49
Jan 28 J in 28 0 91 SHEETZ CARLISLE PA 19.34
Cash Advances Jan 30 J in 30 A' HOLLYWOOD CASINO AT GRANTVILLE PA 534.99
Supermarkets Jan 24 J in 24 ANT FOOD # 112 CARLISLE PA 29.04
92
Home Improvement Jan 17 J n 17 E HOME DEPOT #4149 CARLISLE PA 17.21
Jan 17 J n 17 T E HOME DEPOT #4149 CARLISLE PA 3.14
Fees Jan 30 J nn 30 SH ADVANCE FEE $ 26.75
Feb 2 162 P YMENT PROTECTION PPD 1.877-883.1959 14.29
T TAL FEES FOR THIS PERIOD 41.04
Inlerest Charged I TEREST CHARGE ON PURCHASES $ 7.03
I TEREST CHARGE ON CASH ADVANCES 2.02
I TEREST CHARGE ON BALANCE TRANSFERS 0.00
T TAL INTEREST FOR THIS PERIOD 9.05
2011 Totals Year-to-Date
TAL FEES CHARGED IN 2011 $ 44.77
9578334 ?TAL INTEREST CHARGED IN 2011 40.49
Questions? Visit www-Disca er.+
call 1.800-DISCOVER { 1.800-3 7-2
or DISCOVER
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It pays to PATRICIA MEIXNER
Account number ending In 9400
DISCOVER' page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) Is the annual interest rate on your account.
Current Billing Period: 31 days
TYPE OF BALANCE
Purchases
Cash Advances
V = Variable Rata
ARANNUAApL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE
1124% V $627.47 $7.03
23.99% V $100.04 $2.02
Information For You
Need Cashll Whetker it's for on unexpected bill Oran emergency car repair, Discover(R) card can always help. Get cash at
ATMs nationwide or hove money deposited directly into your bank account. Visit Discover.com/cash to find out more.
This month, the featured Cashback Sonus(R) Redemption Partner is Bed Both & Beyond(R). Redeem $20 Cashback Bonus for
a $25 Bed Both & Beyond gift card.
Build extra Cashback Bonus by using your Discover(R) card to pay your monthly household bills like cable, cell phone, and
insurance. It's easy to set up, just contact your provider You'll earn rewards with every bill
Additional Important Information
See your Cardmern6er Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stafen cards. Report immediatelyl Call "00-347-2683.
What To Do If You Think You Find A Mistake On Your Statement
if you thirds there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421
in your letter, give us the following information:
Account information: Your name and account number.
Dollar amount. The dollar amount of the suspected error.
Descri of Problem: If you.think there is an error on your bill, describe who you believe is wrong and why you believe
It a a mtsto e,
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in ririn .You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay 1 amount in question.
While we investigate whether or not there has been an error the following are true;
We carnal try b called the amount In question, or report you as delinquent on that amount.
The charge in quedion ma remain on your statement, and we may continue to charge you interest on that amount. But, iF
wa deta moun,hot wa made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
While you do not have to pay the amount in question, you are responsible For the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Sthts If You Are Dissatisfied With Your Credit Card Purchases
If you are dissaisfied with the goods or services that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home stain or within 100 miles of your current mailing address, and
the purchase price must have bean more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet hove Fully paid for the purchase.
If al of the criteria above are mat and you arestill dissatisfied with the purchase, contact us in writin at:
Discover, PO Box 30945, Sall Lake Ci yt ,1f184130-0945
While we investigate, the same rules of ply to the disputed amount as discussed above. After we finish our
investigation, we wig fell you our decison. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum
Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope
ovided. Do not send cash. B sending your check as described above, you authorize us to use information on your check
make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the
1 oyrrrent cu a check transaction. If poymenl is processed as an electronic fund transfer the transfer will be for the amount of
te check. When we use information ham your check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you wig not receive your check bock from your financial
institution.
The processing of your payment may 6e delayed iF you send cash, correspondence or other items wish your payment, iF you
sMd the paymerrl to ary other address a if you use an envelope other flan the one provided. Payments received m proper
fdtm at our processing facility 5PM local lime on any day will be credited to your Account as of that day. Payments
received al our processing Facrff after 5PM focal Time will be credited io your Account as of the aaxt day. ff you have
ernelope, send your payment to Dlseoyer, PO Box 6103 Carol Stream, LL 60197-6103. Please allow 7.10
??ry, if your payment is ra?urnad unpaid, we reserve iha rig(it to resubmit it as an electronic debit,
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DiSC40VEI
You can pay your monthly Minimum P
over the telephone or you can setup ai
1.800-347-2683. Automatic paymen
dale le. . the 15th dayy of the month}
weak end or bank holicksy, your paym
to schedule monthly payments b le[eepp
asked to provide the last four (d digit:
your eslec rl onic signature, you will Ix e
authorize, in the omount selected by y
your bank account, as applicable, Fo 0
pnymant by phone of 1.800.347-268:
must receive notice at least three busin
we will iefi you on each monthly billint
that sufficient funds are available in yc
You can set automatic payments for li
Payment Due us a fixed dollar amou
the Minimum Payment Due as Iisled on
increased to cover lire Minimum Payrn
excess will be applied in accordance)
Balance on your billing statement, that
payment amount maybe foss than The
Closing Date.
ment Du4, or a greater amount that does not exceed your current Account balance,
malic ants through a customer service to
by calling
will bed ed on the Paymeni Due Date unless you request a recurringg pa mant
t occurs
Pefor a your Payment Due Date. If your scheduled payment daiae falls an a
will be drocesse;d the business day prior ?o the weekend or bank holiday. in order
ne, you 44'11 need this statement and your bank account information. You will be
f the soci I security number of the primary borrower. By providing those numbers as
Being to is authorization to allow us and your bank to deduct each payment you
from r bank account. You also authorize us to initials debit or credit entries to
tact an or in the processing of such payment. You can cancel a scheduled
or by m of Discover, PO Box 30421 Sall Lake City, UT 84130.0421 however we
' days in advance of the scheduled payment. If your payments may vary in amount,
clement hen your payment will be made and how much it will be. You must ensure
bank a unt, and all transactions must comply with U.S. law.
otemaod flew Balance, (iil statement Minimum Payment Due, jifil statement Minimum
ar 1iv) a xed dollar amount. If your scheduled fixed payment is not en ouAh to cover
wr mo ly billin® stotsmerd, your scheduled payment for that month will
Due. If a scheduled payment is realer than the Minimum Payment Due an
i your rdmember Agreement. If9your scheduled p erd is greater than the New
yment 'N be
processed only for the amount of your New Balance. Your automatic
aunt in icoted on the periodic statement based on credits or payments aher the
If you enroll by phone in our automatic rayme,
for your records.
Amount: ? Full Pay ? Min P
Bank Rousing p:
Credi Resppoortrting. We may report infor motion c
other defaulFs on your Account may be reflects,
your Account to credit repartinga agent as each
us at the following address: Discover, O Box
home telephone number and Account tuber
Paying inWastt We in to impose t forest e
daily balance. We continue to impo Interest
interest on Purchases as described bell . Hov
Advances.
IT you porn me rVew aaonce on your
will not impose interest charges on ne
current 61ill ng statement. Now Purche
it you ao nor pay your IVOW rsalance i
you may not god a grace period on ne
How We Cafculafe Interest Charges
each billing period by first figuring the
standard Purc{wsors, standard Cash A
How We Figure the Daly Balance for
We start with the beginning 6,
your balance on the last day c
We add any interest charges
add any new transactions or F
which the transaction or tae pi
We subtract any new credits c
We make other adjustments Iii
How We Figure Your Total Interest Ch
We multiply the dai balance
the bilt ppeariod. T i giros t
we divide CAR ths
at applies,
We add up all the daily iniere
How We hrdude Fees
We add Balance Transfer Fees to the
Fees to the applicable Cash Advance
Transaction Category.
Balance Subject to Interest Rate. You
hansoction category. The Balance S
period.
es are M
our Gre
BaC
r Purchm
Willy Bala
"daily 6c
motes ai
CKh Tran
onto (or
your pre
:trued a
is as of it
led to vc
it rvics, please fill-in the following blanks below and retain the outlionzation
? Min Pay + $ ? Fixed Pay$ ,
9 k Account t!: , Frequency:
Kit your Account to credit bureaus. Late payments, missed payments, or
I l1ri your credit report. We normally report the status and payment history of
onth. If yyoou believe that our report is inaccurate or incomplete, please write
1 316, Wilmington, DE 19850.5316. Please indicate your name, address,
an a transaction, fee or interest charge from the day we add it to the
as until you pay lire told amount you owe us. You can avoid paying
you cannot avoid paying interest on Balance Transfers or Cash
sg statement by the Payment Due Date shown on that billing statement, we
a any portion of a new Purchase, patd by The Payment Due Date on your
roses that first appear on the current billing statement.
depending on Ike balance to which we apply your payment,
Ka Method (including current tnanwiiorssl: We calculate interest charges
aoxep for each Transaction Ccbgory. Transaction Categories include
d different promotional balances, such as Balance Transfers.
action Category
act day. The beginning balance For the first day of the billing period is
ions bilfing perioodd
the previous day's daily balance and any new transactions and Fees. We
a later of the Transaction Date or the first day of the billing period in
it Account.
adjustments required in the "Paying Interest" section).
For each ansoclion Category by its daily periodic rate. We do this for each day in
s the inter charges for each Transaction Category. To get a doily periodic role,
to the T ction Category by 365.
1 charges The sum is the total interest charge for the billing period,
ppllca66 Balance Transfer Transaction Category. We add Cash Advance
ronsocti Category. We add all other fees to fhe standard Purchase
to
Credit Balances. If your Account has credit
A credit balance is money Ihaf is ow b yon
open. We will send you a refund of y rem[
required by applicable low.
For T"?DO alecorntri n nations Devito I or the t
?udv*1* monitor and/or record olaphot
purposes.
is a Balance Subject to Interest Rate. It shows this for each
Role is the average of the daily balances during the billing
the amount is shown on the front of your billing statement.
ty make charges against this amount if your Account is
ance of $1.00 or more after 6 months, ores otherwise
assistance, please call 1.800.347-7449.
between you and Discover representotives for quality assurance
The Discoverocard is issued by Discover Bank, Member FDIC
Questions? visit ww
calf 1.800-DISCOVER (1
RZNFE0a1
Wer.c or
47-2d831. DISCOVER
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DISCOVER
New Balance I Minimum Payment Due
55,134.86 L$103.00
PoymeN Duo Date
Mirth 28, 2011
02 SDSHME)i 0005052
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
:h 2, 2011
PD BOX 71084
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? ?niillnlnrln?in,inlrirrrilllu,iniulnliulnlaiilnii
Go to www.Discww.com or print change in space above,
000001986458214473213051348600040000010300
Opening Date: February 3, 2011 - Gating Dote: Mar
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $1,620.78
Payments And Credits 40.00
Purchases + 1,171.21
Balance Transfers + 0.00
Cash Advances + 2,165.22
Fees Charged + 158.29
Interest Charged + 59.36
New 8 ca $5,134.96
See interest Charge Calculation section following
transactions for detailed APR Information
Credit line $5,300.00
Credit line Available $165.00
Cash Advance Credit line $2,700.00
Cash Adyance Credit line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Cas aC Bonuse Anniversary Month
February
Opening Cashbock Bonus Balance $ 12.20
Now Cashback Bonus This Period + 2.03
Cashbeck Ilorrus Balance - -' $ 14.23
To team more, 4 in at www.Discover.com
Account Number ending in 9400
Enter Amount Enclosed Below
a
Pay online at www.Discover.com or make check
payable to Discover Phone and Internal
payments must be made by5:00pm ET for same
day posting.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill in seconds
from anywhere)
page 1 of 3
Payment Information
New Balance 55,134.86
Minimum Payment Due $103.00
Payment Due Date March 28, 2011
Late Payment Warnirig: If we do not receive your minimum
payment by the date listed above, you may have to pay a kale
fee of up to $35.00 and yaw purchase and balance transfer
APRs for new transactions may be increased up to the Penally
APR of 18.24% variable.
Minir?wm Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it wig
take you longer to pay o your balance. For example:
a
Only the minimum 20 years $18,098
paymant
1 i $189 3 years 6,807
Savings - 511,291 )
If you would like information about credit counseling services,
toll 1-800.347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www,Discover com Access free online tools like Paydown Planner to create a plan
2. Cal 1-8000ISCOVER (1.800.347-2683
Please have your Discovo® card available, fairy down your balance, securely access statements, pay
bionline and easily track of transactions
3. Write to us of Discover, PO Box 30943,
Salt Lake City UT 84130 (Not a payment address)
Make your money worth more find easy ways to own
For payments, please send to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Carol Stream, IL 60197-6103 NEWT Access your account securely through your
for TDD (Telecommunications Device for the Deaf) mobile phone
assistance, please call 1-800.347.7449.
ransocIlions
Trans. Post
Date Dare
Payments and Credits Feb 25 Feb 25 PAYMENT THANK YOU $ -40.00
Mo,thandise Feb 4 Feb 4 WALMART SC #2574 CARLISLE PA $ 93.52
CASHOYER $ 60.00 PURCHASES $ 33.52
Feb 6 Fob 6 WAtMART SC $2574 CARLISLE PA 85.92
CASHOVER S 60.00 PURCHASES $ 25.92
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC VER
I l
1
Paperless statements
Easily access up to 24 months of dow
• See your statement as soon s it's
• Get helpful payment remin s IN
l • Print a paper copy of your st iem
• Sign up today at Discover. co
i
02010 Dixorer Bank. Member Wr
Transactions
(cont.)
Merchandise
Resiauronts
dlhdr/Miscellanecus
Gasoline
Services
Cosh Advances
Superma&els
C95TMrvices
tionte Improvement
Trans.
Data
Feb 8
Feb 10
Feb 13
Feb 15
Feb 21
Feb 22
Feb 23
Feb 26
Mat 1
Feb 19
Feb 10
Feb 22
Feb 13
Feb 25
Feb 15
Feb 4
Feb 10
Feb I 1
Feb 13
Feb 14
Feb 9
Feb 23
Feb 23
Feb 15
Feb 15
Feb 10
Feb 23
Fees Feb 4
Feb 10
Feb 11
Questions? Visit ww
call 1.840-DISCOVER (I
PAPER.0310
28 AL-MART SC #2574 CARLISLE PA
HOVER $ 60.00 PURCHASES $ 19.90
)10 AL-MART SC #2574 CARLISLE PA
C HOVER $ 60.00 PURCHASES $ 13.41
)13 AL4VMT SC #2574 CARLISLE PA
SHOVER S 60.00 PURCHASES $ 27.93
05 AI,MART SC #2574 CARLISLE PA
C HOVER $ 60.00 PURCHASES $ 60.16
21 AL.MART SC 92574 CARLISLE PA
C HOVER $ 40.00 PURCHASES $ 13.31
22 EAT FUN 16353369FEB 800-285.5903 CT
Z 16353369FEB
23 AL-MART SC #2574 CARLISLE PA
26 AL-MART SC #2574 CARLISLE PA
r l AL MART SC #2574 CARLISLE PA
19 MBERLY'S CAFE CARLISLE PA
10 ALLET PROTECTION 1 MO 888.802-9639 UT
22 I ENTITY THEFT PROTECT 800.347-3089 UT
13 191 SHEETZ CARLISLE PA
25 91 SHEETZ CARLISLE PA
15 CKSON HEWITT TAX L LEBANON PA
4 ' HOLLYWOOD CASINO AT GRANTVILLE PA
10 A" HOLLYWOOD CASINO AT GRANTVILLE PA
11 ASH ADVANCE INTO CHECKING ACCT "'4398
13 A' HOLLYWOOD CASINO AT GRANTVILLE PA
14 C BANK CARLISLE PA
9 ANT FOOD #112 CARLISLE PA
148
23 ANT FOOD #112 CARLISLE PA
140
23 IANT FOOD #112 CARLISLE PA
009
15 S TREASURY NET 800-487-4567 DC
624049400001
Is PAYMENT CFEE 800.487.4567 DC
629020100001
10 HE HOME DEPOT #4149 CARLISLE PA
23 HE HOME DEPOT #4149 CARLISLE PA
79.90
73.41
87.93
120.16
53.31
14.99
29.44
12.38
11-37
8.21
2.99
9.99
26.88
35.23
209.00
324.99
112.99
1,000.00
534.99
192.25
20.79
19.58
4.55
163.00
3.95
3.14
1.57
4 PH H ADVANCE FEE $ 16.25
10 H ADVANCE FEE 10.00
11 ADVANCE FEE 50.00
or
3n less clutter, more convenience
able, password protected statements.
36ie rather than wait for it to arrive in your mailbox.
e-mail or text messages on your mobile phone.
vtime,
DISCOVER
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Account number ending in 9.400
DISCOVER I D C
page 2of3
Transactions
)
(cont Trans.
oats Post
Date
.
Fees Feb 13 Feb 13 CASH ADVANCE FEE $ 26.75
Feb 14 Feb 14 CASH ADVANCE FEE 10.00
Mar 2 Mar 2 PAYMENT PROTECTION PPD 1.877.883-1959 45.29
TOTAL FEES FOR THIS PERIOD 158.29
Interest Charged INTEREST CHARGE ON PURCHASES S 17.76
INTEREST CHARGE ON CASH ADVANCES 41.60
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR TITS PERIOD
59.36
2011 Totals Year-to-Date
TOTAL FEES CHARGED IN 2011 $ 203.06
TOTAL INTEREST CHARGED IN 2011 99.85
Interest Charge Calculation
Your Annual Percentage Rafe (APR) is the annual interest rate an your account.
Current U69 Period; 28 days
TYPE OF BALANCE
Purchases
Cash Advances
V = Variable Rate
ANNUAL PERCENTAGE BALANCE SU9IECT TO INTEREST CHARGE
RATE (APR) INTEREST RATE
13.24% V $1,751.64 $17.76
23.99% V $2,261.94 $41.60
Information for You
This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Coshback Bonus for
a $25 Bed Bath & Beyond gift card.
Put more interest back in your sayingsl Move your money to a Discover(R) savings account and earn rates that hove
consistently boot the national average. Visit DiscoverBank.com or call 1-888-728.3212 and talk to a knowledgeable
Banking Specialist anytime, any day. Please be sure to mention offer code MSG0311
OOPS happens. So protect the things you buy - and earn 5% Coshback Borm(R) when you purchase an Extended
Warranty powered by SquamTrade with your Discover(R) card. Act now and get 15-second quotes when you log in to
Discover.com and dick on Extended Warranty.
Additional Important Wormation
See your Cardmeraber Agreement, Your Cordmember Agreement contains all the terms of your Account.
Lest or stolen cards. Report immediately) Call "0D-347-2683.
WI at ro too M You Think You Find A Mistake On Your Statement
if you think there is an error on your statement, write to us at; Discover, PO Box 30421 Salt take City, UT 84130.0421
In your le tar, give us the following information:
Acwunf information: Your name and account number
Vo#ar amount., The dollar amount of the suspected error
Descricfion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
ills am fad
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writin . You may call us, but it you do we are not required to investigate any
potential errors and you may have to pay the amount in question,
While we investigate whether or not there has been an error. the following are hue:
We cannot try b cdlect the amount in question, or report you as delinquent on that amours.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if
we deteanPne that we made a mistake, you will not have io pay the amount in question or any interest or other fees related
to thol amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your "is iF You Are Dissatisfied With Your Credit Card Purchases
T If you are dissatisfied with the goads or services that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
g5 78 This right, all of the following must be frue:
1 purchase must have been made in your home state or within 100 m ilex of your current mailing address, and
if your purclwse was
the purchase price must hwa been more Ihan $50. (Note: Neither of these are necessary
based on an advertisement we mailed to you or If we awn the company that sold you the goods or services.)
2. Yau must have used your credit card for the pvrclwse. Purchases made with cash advances From an ATM or with a
check that access your credit card account do not quol
3. You must not yet have fully paid for the purchase.
It all of the criteria above are met andy? u are still dissatisfiad with the purchase, contact us in writing al:
Discover, PO Box 30945, Sall Lake Gty UT 84130-0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe on amount and you do not pay we
may report you as delinquent.
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D1S{..WVE -
Payments. You maypa y all or part of
Payment Due by the Payment Due Dab
prowdsd Do not send cash. By send
b make .an eectronic fund transfer ko
payment as a check Ironsadion. If po
the check. When we use information
account as soon as the some day we i
institution.
The processing of your payment may I
send the payment to any other addres
form at our processing facility by 5PN
received at our processing facility alas
misplaced yyoour envelope, send your p
days for dalfvory. If your payment is r
"onthilly you Minimum f
y the p y n or
isle or you cqn setup o
1.800-347- 683. Automotic paymer
date (e.g. the 15th day of the month)
weekend or bank holiday, your paym
to schedule monthly payments b Isle
asked lo provide the last tow (4?digi?
your electronic signature, you will be
authorize, in the amount selected by)
your bank account, as applicable, to
payment by phone al 1-800-347-268
must receive notice at feast three bush
we wig tell you on each monthly bihin
that sufficient Funds are available in yo
You can sat automatic payments for
Payment Due plus a fixed dollar omoL
the Minimum Payment Due as listed o
increased to cover the Minimum Par
excess will be applied in accordance
Balance on your billing statement, the
paymord amount may be less than the
Closing Date.
our Account balance at any time. However you must pay at least the Minimum
Send only your payment and the top portion of this statement in the envelope
9 your chock as described above, you authorize us to use information an your check
your account at the financial institution indicated on your check or to process the
rent is processed as an electronic fund transfer, the Irans6r will be far the amount of
am your check to make an electronic fund transfer funds may be withdrawn from your
:eive your payment, and you will not receive your check bock from your financial
delayed if you send cash, correspondence or other items with your payment, if you
or if you use an envelope other than the one provided. Payments received in proper
ocol lime on any dayy will be credited to your Account as of that day. Payments
SPM local time will be credited to your Account as of the next day, if you have
anent to Discover PO Sox 6103 Carol Stream, IL 60197.6103. Please allow 7.10
urned unpaid, we reserve the rig) to resubmit it as an electronic debit.
yment Due, or a greater amount that does not exceed your current Account balance,
amalic payments through a customer service representative by calling
will be deducted on the Payment Due Dote unless you request a rewiring padment
s on a
tat occurs before your Payment Due Dale. If yyoour scheduled payment dale to
it will be processed the business day prior to the weekend or bank holiday. In order
one, you will need this statement and your bank account information. You wig be
of the social security number of the primary borrower. By pprro?viding those numbers as
freeing to this authorization to allow us and your bank to dedud each payment you
u, from your bank account. You also authorize us to initials debit or credit entries to
rrrect an error in The processing of such payment. You can cancel a scheduled
or by mail at Discover, PO Box 30421 Salt Luke City, UT 84130-0421 however we
ss days in advance of the scheduled payment. If your payments may vary in amount,
statement when your payment will be made and "how much it will be. You must ensure
r bank account, and all transactions must comply with U.S. taw.
statement Now Balonce,.lii) statement Minimum Payment Due, (iii) statement Minimum
or (iv) a fixed dollar arriount. If your scheduled fixed payment is not enough to cover
your monthly bil?lingg statement, your scheduled payment for that month will be
nt Due. I f the scfwdulscipaymem is greater than the Minimum Payment Due, any
ith your Cardmember Agreement. It your scheduled payment is greater than the New
Payment will be processed only for the amount of your New Balance, Your automatic
mount indicated on the periodic statement based on credits or payments after the
If you enroll by phone in our aulamati payment service, please Kin the following blanks below and retain the authorization
for your records.
Amount: 0 full Pay ? Min y ? Min Pay + $ ? Fixed Pay$
Bards Routing #: , Bank Account #: ; Frequency: .
Credit R We may report inF notion about your Account to credit bureaus. Late payments, missed payments, or
other nulls on your Accaunl may reflected in your credit d. We normally report the status and payment history of
your Account to credit mpoding age es each month. If you =that that our re ort is inaccurate or incomplete, please write
us at the following address: Qiscaver, O Sox 15316, Wilmington, DE 19850 5316. Please indicate your name, address,
home telephone number and Account umber
Paying interest: We begin to impose i der" charges an a transaction fee or interest charge from the day we add it to the
daily balance. We continue to impose interest charges until you pay t ie total amount you owe us. You can avoid paying
interest on Purchases as described be w. However- you cannot avoid paying interest on Balance Transfers or Cash
Advances.
tf you paid the New balance on yc
will not IT se interest charges on
current bitting statement. Now Pur
it you ao not pay your new oaianca
you may not get a grace period on ni
Now We Calculate Interest Charges
each billing period by first figuring th
standard Purchases, standard Cash A
How We Figure the Daily Balance for
We start with the beginning b
your balance on the last day i
We add any interest charges
add an new transactions or I
which the transaction or fee p
We subtract any new credits
We make other adjustments f
How We Figure Your Total Interest CI
We multiply the daily balance
the biking period. This gives
we divide the APR that applie
We add up all the daily inter
Fees
I'MI nce Trondw fees to the
Fees to the applicable Cash Advance
Transaction Category.
Balance Subf eat to Interest Rata. You
transaction category. The Balance Si
period.
revt- o- uys billing statement by the Payment Due Date shown on that billing stalemeM, we
Purchases or an portion of a new Purchase, paid by the Payment Due Date on your
es are Purchases that first appear on the current billing statement.
Your Grace Period
full sac month, en, depending on the balance to which we apply your payment,
v Purchases.
ally Balance Method (including current transaction}: We calculate interest charges
"daily balance" for each Transaction Category. Transaction Categories include
vanes and different promotional balances, such as Balance Transfers.
!ach Transaction Category
[once for each day. The be inning balance for the first day of the billing period is
your previous billing period.
ccrued on the previous day's daily balance and any new transactions and fees. We
es as of the later of the Transaction Date or the first day of the bllling period in
sted to your Account.
ill payments.
cluding those adjustments required in the "Poyir:g Inkiest" section).
rges
for each Transaction Category by its daily periodic rate. We do ibis for each day in
r the interest charges for each Transaction Category. To get a daily periodic rate,
to the Transaction Category by 365.
t charges. The sum is the total interest charge for the billing period.
pplicable Bolance Transfer Transaction Categor . We odd Cash Advance
ronsoction Category. We add all other fees to the standard Purchase
statement shows a Balance Subject to Interest Rate. It shows this for each
iiect to Interest Rate is the average of the daily balances during the billing
Credit Balances. If your Account has credit Bolance, the amount is shown on the Front of your billing statemont.
Atredit balance is money that is owe to you. You may make charges against this amount if your Account is
open. We will send a refund of remaining balance of $1.00 or more after 6 months, or as otherwise
required by applicab a law.
QuesNdns? Visit www.Di ver.com or DISCOVER
call I -B00-DISCOVER ( 1.800 347-2683).
r--._
DISCOVER `Y- D pays to Account numberJending in 9400
page 3 of 3
For TDD (Teleeaa m mications Devito far Ills DsaQ assistants, please call I-800-347-7449.
Discover may monitor and/or record telephone caps between you and Discover representatives for quality assurance
purposes.
The Discovermcard is issued by Discover Bank, Member FDIC
9578334
UNFE00I
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
DISCOVER
New Balance Minimum Payment Due
$5,253.53 $106,00
Payment Due DcAe
April 28, 2011
Account Number ending in 9400
Enter Amount Enclosed Below
$ 1-
Pay online at www.Discover.corq or make chock
payable to Discover Phone and Internet
payments must be made by 5:00pm ET for same
day posting.
Text APP to DISCOW to receive a link to our
free mobile app and pay your b1i In seconds
from anywhere)
02 SWNM01 0005055
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
PC BOX 71084 lllnillnillnnslrlliilil
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ III lsllralrielrllnilnlilurIIllittIlllu1nllnlrtlu1rlrill
Go to www.Discover.com or print change in space above.
000001986458214473213052535300200000010b00
Opening Dole: March 3, 2011 - dosing Date- April 2, 2011
Discover More Card Account Summary
I Account number ending in 9400
Previous Balance $5,134.86
Payments And Credits 200.00
Purchases + 186.94
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 46.34
Interest Charged + 85.39
hlew Bolnnca ? ?-53.53
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,300.00
Credit Line Available $46.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Cashbac BOnuO Anniversary Month
February
Opening Cashback Bonus Balance $ 14.23
New Cashbock Bonus This Period + 0.36
Cashback Bonus Balanc0 $ 14.59
To (earn mo,e,loe in ai www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.D6cav6r.com
2. Cad 1.800-DISCOVER (1-800.347.2683)
Please have your Discover* card availobla.
3. Write to us at Discover, PO Box 30943,
Soft Lake City, UT 84130 (Not a payment address(
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197-6103
For TDD (Teiecommanications Device for the Deaf)
assistance, please cad 1-800.347.7449.
ransa ions
Trans. Poet
Dab Date
Payments and Credits Mar 26 Mar 26 PAYMENT THANK YOU $ -200.00
Marchandise Mar 15 Mar 15 WAL-MART SC #2574 CARLISLE PA $ 65.42
CASHOVER $ 40.00 PURCHASES $ 25.42
Mar 21 Mar 21 GREAT FUN 16353369MAR 800-285.5903 CT 14.99
Z0016353369MAR
page 1 of 2
Payment Information
New Balance $5,253.53
Minimum Payment Due $106.00
Payment Due Date April 28, 2011
Late Paymenf Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 18.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
!
?a,1 r
sill I
Only the minimum 21 years $18,723
payment
$193
3years $6,9.44
Savings-$11,7791
If you would like information about credit counseling services,
call 1.800-347.1121
Manage Your Account Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
to ray down your balance, securely access statements, pay
bit s online and easily track all transactions
• Make your money worth morel -find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statem ents mean less clutter, more convenience
Easily access up to 24 month of downloodable, password protected statements.
• See your statement ass n as it's available rather than wait for it to arrive in your mailbox.
• Get helpful payment remi dens through e-mail or text messages on your mobile phone.
• Print a paper copy of you statement anytime.
• Sign up today at Discove com/popedess
%20)0 Dlxrovcr Soak, man.b r FnIC P"EI'm 10
Transactions
Rates.
(cont.) PDOW
Other/Miscelfaneaus Mar 10 Mar 10 WALLET PROTECTION 1 MO 888.802-9639 UT 2.99
Mar 22 Mar 22 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99
Gasoline Mar 20 Mar 20 0191 SHEETZ CARLISLE PA 33.70
Supermarkets Mar I4 Mar 14 GIANT FOOD 4112 CARl1StE PA 20.79
000181
Mar TA Mar 14 GIANT FOOD #112 CARLISLE PA 35.90
000042
Homeprovsmen} Mar 15 Mar 15 THE HOME DEPOT #4149 CARLISLE PA 3.16
Fees Apr 2 Apr 2 PAYMENT PROTECTION PPE) 1-877-883-1959 $ 46.34
TOTAL FEES FOR THIS PERIOD 44.34
interest Charged INTEREST CHARGE ON PURCHASES $ 26.02
INTEREST CHARGE ON CASH ADVANCES 59.37
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 85.39
2011 Totals Year-to-pate
TOTAL FEES CHARGED IN 2011 $ 249.40
TOTAL INTEREST CHARGED IN 2011 185.24
9578334
Questions? visitwm Di over.com or DISCOVER
call 1.800-DISCOVER (1-800 347-2683),
0
2
m
a
0
DISCOVER
it Pop to ? fER I Account number ending in 4400
DISCO
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Role (APR) is the annual interest rate on your account.
Current Billing Period: 31 days
TYPE OF BALANCE ANNUAL PERCENTAGE ANCE $UUI Ea TO INTEREST CHARGE
RATE JAPR) D
RATE
Purchases 13.24`K V $2,316.418 $26.02
Cash Advances 23.99% V $2,914.28 $59,37
V s Variable Rate
Additional Mnporrmrt Information
See your Cardmaimber Agreement. Your Cordmember Agreement contains all the terms of your Account.
lest or stolen cards. Report immediatelyf Cal 1-800.347.2683.
What To Do If Yeu Think You FindA Mls4ake On Your Sratera ie
IE you think there is an error an your slatemerd, write to us at: Discover, PO Box 30421 Salt Lake City, UT 84 1 30-042 1
In your latter, give us the following information:
Account Information: Your name and account number.
Doha{ amount: The dollar amount of the suspeded error
i)9lAi'ion of Problem: IF you think there is an error on your bill, describe what .you believe is wrong and why you believe
dlsamtsoe.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but If you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, the following are true:
• We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on our statement, an we may continua to charge you interest on that amount. But, if
a mistake, you will not have to pay the amount in question or any interest or other fees relnled
we deforns that we may
to that amount.
While you do not have ay the amount to question, yyoouv are responsible for the remainder of your balance.
We can apply any unpto aid amount against your credit limil.
Your #j9 ra 1f You Ara Plumbed Mh Your Cro&t Card Purchaser
IF you are dissalisfied with the goods or services that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use ibis right, all of the following must be true:
I The purchase must have been made in your home state or within 100 mites of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of Ihasa are necessary if yarn purchase was
based on an advertisement we mailed to you or if we own the company that sold you the goods or services.)
2. You must have used your credit cord for the purchase, Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still Aissatisfied with the purchase, contact us to wrilin at:
Discover, PO Box 30945, Soft Lake City, UT 841300945
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
investtgotion, we will tell you our dacision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent-
Payments. You may alt or part of your Account balance at arry time. However. you must pay at least the Minimum
Payment Due by the al? ant Due Date. Send only your payment and the top portion of this statement in the envelope
provmakidech. Do not send cash. By sending your check as described above, you authorize us to use information on your check
to e an electronic fund transfer From your account of the financial institution indicated on your check or to process the
payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of
the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your
occourd as soon as the some day we receive your payment, and you will not receive your check bock from your financial
institution.
The ocessing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you
serbd tine payment fo any other address or if you use an envelope other than the one provided. Payments received in proper
form of our processinB lacifify by 5PM local time on any day will be credited to your Account as of that day, Payments
received of our processing facility after 5PM local time will be credilad to your Account as of the next day. If you hove
misplaced your envelope, send your payment to Discover PO Box 6103 Carol Scream, IL 601976103, Please allow 7.10
days For delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
You can pay r modlJy Minimum Payn
over the tale aria or yyoouu can setup outon
#-800347- 683. Au odic payments w
date (e. . the 15th day of the month) that
weekend or bank holiday, your payment N
to schedule monthly payments 6 tefephon
asked to provide the last four 14rdigi t of
your electronic signature, you will 6e core
aulhorize, in the amount selected by you,
your bank account, as apppplfcoble, to corri
payment by phone of 1.800347.2683 or
must receive notice at least three business
we will lei you on each monthlyy billing sic
Thal sufficient funds are avai[a61a in your
t Due, or a greater amount that does not exceed your current Account balance,
fc payments through a customer service representative by calling
be deducted on the Payment Due Date unless you request o recurring pa ant
curs before your Payment Due Dale. If your scheduled payment data falls on a
be processed the business dayprior to the weekend or bank holiday. In order
you will need this statement and your bank account information. You will be
social security number of the primary borrower. By providing those numbers as
o to this authorization to allow us and your bank to deduct each payyment you
m your bank account. You also authorize us to initiate debit or cred-d entries to
an error In the processing of such paymant. You can cancel a scheduled
mail al Discover, PO Box 30421 Solt Lake City UT 841300421 however we
ys in advance of the scheduled payment. If you payments may vary in amount,
bent when your payment will be made and how much it will be. You must ensure
k account, and all fronsactions must comply with U.S. low.
You can sat automatic payments for, fi) s ent New Balance, (i) statement Minimum Payment Due, fill) statement Minimum
Payment Due lus a fixed dollar amount, a (iv) a fixed dollar amount. If your scheduled fixed payment Is not enough to cover
the Minimum Payment Due as listed on you monthly billing statement, you scheduled payment for that month will increased to cover the Minimum Payment s. If the scheduled payment isgrealer than the Minimum Payment Duo, any
excess WIN be applied in accordance with our Cordmember Agreement. It your scheduled payment is greater than the New
Balance on your billing statement, that pay ent will be processed only for the amount of your New Balance. You automatic
payment omount may a less than the amo rd indicated on the periodic statement based on credits or payments after the
Closing Date.
It you enroll by phnne in our automatic pa
for your racords.
Amount: ? Full Pay ? Min Pay
Bank Routing
Credit Reporting. We may report informal
other defaults on your Accaunf may be rel
your Account to credit reporting agencies
us at the following address: Discover, PO
home telephone number and Account num
Pa ''ng krbrost: We begin to impose inter
doily balance. We continue to impose ini
interest on Purchases as described below,
Advances.
current biRina statement.
you may not gat a orate period on new
How We Calculate Interest Charges Da
each billing period by fir:d figuring the c
standard Purchases, standard Cash Advc
How We Figure the Daily Balance far Ea.
We start with the beginning bola
your balance on the last day of y
We add any interest charges acc
add any now transactions or fees
which the transaction or fee posh
We subtract any new credits and
We make other adjustments fink
Flow We Figure Your Total interest Charg
it service, please fill-In the following blanks below and retain the audioizolion
? Min Pay + $__ ? Fixed Pay$
Bank Account #t: , Frequency: -_„_ -
i6out your Account to credit bureaus. Late payments, missed payments, or
i in your credit reepQoort. We normally report the status and payment history of
month. If You behave that our report is Inoccurote or incomplete, please write
15316, Wilmington, DE 1 98 50-5 3 1 6. Please indicate your name, address,
charges on a transaction fee or Interest charge from the day we add it to the
st charges until you pay the total amount you owe us. You con avoid paying
nwevw, you cannot avoid paying interest on Balance Transfers or Cosh
to atemeni by the Payment Due Data shown on that billing statoment, we
or arty portion of a new Purchase, paid by the Payment Due Dale on your
aces that first appear on the curren billing statement.
depending on the balance to which we apply your payment,
Balance Method (including current transactil=4: We cakulate interest charges
Ily balance" for each Transaction Category. Tramodior Categories include
:as and different promotional balances, such as Balance Transfers.
Transaction Category
e far each day. The b inning balance for the first day of the billing period is
r previous billing period.
ad on the previous day's daily balance and any new Iransactions and Fees. We
s of the later of the Transaction Dale or the first day of the billing period in
to your Account.
those adjustments roquired in the "Paying Interest" section).
We multiply the da??'fyy balance for ach Transaction Category by its daily Cperlodlc rate. We do this Ear each day in
the billing period. Its gives us lh interest charges for each Transaction alegory. To get a daily periodic rule,
we divide the APR [hat applies to t Transaction Category by 365.
We add up all the daily interest c rges. The sum is the total interest charge for the billing period.
How We krdude Fees
We add Balance Transfer fees to the opp
Fees to the applicable Cash Advance Trot
Transaction Category.
Balance Sub-pct to Interest Rate. Your sta
transaction category. The Balance Subjec
pariad.
Credit Bolancas. If your Account has a un
A credit balance is money that is owed to
open. We will send you a refund of any r
required by applicable low.
for TDD (Tebcranmumcations Device for d
Di3cUPMonitor and/or record leleF
purposes.
The Discover"card is issued by Discover I
able Balance Transfer Transaction Cafe We add Cash Advance
action Category. We add all other fees to a standard Purchase
vent shows a Balance Subject to Interest Role. It shows this for each
i Interest Rate is the average of the daily balonces during the billing
l balance, the amount is shown on the front of your billing statemed.
ru. You may make charges against this amotmt if your Account is
mining balance of $1.00 or more after 6 months, or as otherwise
Deoo assistance, please call 1-800-347-7449.
calls between you and Discover representatives for quality assurance
Member FDIC
UNFE001
Questions? visit www.Disct-2683), C.corn Or D,ca?.VE
call 1.800-DISCOVER { 1 800 3
DISCOVER
New Balance Minimum Payment Due
$5,305.37 $107.00
Payment Due Date
May 28, 2011
02 SDSW01 0005054
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
oil
PO BOX 72084 {{{Ili{{111{{111111/{{1111{
CHARLOTTE NC 28272-1084
Address, *-mail or telephone changes {u{Illrl{I1rI({Inllulrlw{{{{nl{ululu?Inl+1{n1rlnl{
Go to www.Discover.com or print change in space above.
000001986456214473213053053700106000010700
Opening Date: April 3, 2011 Closing Dalet May 2,
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $5,253.53
Payments And Credits 106.00
Purchases + 27.97
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 46.80
Interest Charged + 83.07
New Balance 5,305.37
See Interest Charge Calculation section Fo llowing
transactions for detailed APR information
credit line $5,300.00
Credit Line Available $0.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $0.00
You may be able lo avoid interest Charge s, see Additional
Important Information For details.
Cashback Bonuse
Anniversary Month
February
Opening Cashback Bonus Balance $ 14.59
New Cashback Bonus This Period + 0.30
Casbbadr Bonus Balance ,---- ? -^--14.89
To loan mm., log (n al vi w.Dismver.com
3 Easy Ways to Contact Us
1 Access your account securely at www.D)sc~.corn
2. Call 1-80aDISCOVER (1=800.347.2683)
Please have your Discovers card available.
3. Write to us at Discover PO Box 30943,
Sall take City, UT 841 §O (Not a payment address)
For payments, please send to address on remittance or
Discover. PO Box 6103, Card Stream, It 60197-6103
For TDD (telecommunications Device for the Deaf)
assistance, please cal 1.800.347.7449.
Account Number ending in 94DO
Enter Amount Enclosed Below
Please make check payable to Discover Card.
You are overlimit. f tthe sum of the monthly
minimum payment plus the overlimit amount of
55.37
Text APP to DISCOW to receive a link to our
free motslle app and pay your bill In seconds
from anywherel
page 1 of 2
Payment Information
New Balance $5,305.37
Minimum Payment Due $107.00
Payment Due Date May 28, 2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the penalty
APR of 18.24% variable.
Minimum PaynwW Warning: If you make only the minimum
payment each period, you will pay more in interest and It will
take you longer to pay off your balance. for example:
N.
Only the minimum 21 yours $19,081
Payment
$195 3 years Savin 7`018
gs = 312,063 )
If you would like information about credit counseling services,
call 1-800-347.1121
Manage Your Account Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
Cory down your balance, securely access statements, pay
biaas online and easily track all transactions
• Make your money worth morefind easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mabile phone
ra11sa torts
Trans. Post
Date Date
Payments and Credits Apr 27 Apr 27 PAYMENT THANK YOU $ i 06.00
Mercfwndise Apr 21 Apr 21 GREAT FUN 16353369APR 800.2855903 CT $ 14.99
20016353369APR
04W/Miscaffaneaus Apr 10 Apr 10 WALLET PROTECTION 1 MO 888.802-9639 UT 2.99
Apr 22 Apr 22 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless state
Easily access up to 2,4 mo
• See your statement as
• Gel helpful payment r
• Print a paper copy of
• Sign up today al Disa
k:2010 Disc .a+ BaA, N6., + FDfC
:nts mean less clutter, more convenience
of downloado6le, password protected statements. {
t as it's available rather than wait for it to arrive in your maitbox.
ders through e-mail or text messages on your mobile phone.
statement anytime.
PAPER.0310
Transactions
Trans. Post
cont.} Date Elate
Fees May 2 May 2 PAYMENT PROTECTION PPD 1-877-863-1959 S 46.80
TOTAL FEES FOR THIS PERIOD 46.80
Interest Chargad INTEREST CHARGE ON PURCHASES S 25.90
INTEREST CHARGE ON CASH ADVANCES 57 17
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 83.07
2011 Totals Year-to-Date
TOTAL FEES CHARGED IN 2011 S 296.20
TOTAL INTEREST CHARGED IN 2011 268,31
9578334
U!
O
z
m
0
0
0
0
P
1]
v
Questions? Visit www.Dis over.com or DISCOVER
call 1.800-DISCOVER (i •80 47.26831.
DISCOVER
1 ItPer$16 - j PATRICIAMEIXNER
i USCUMW -JI Account number ending in 9st00
page 2 of 2
Interest Charge Calculafion
Your Annual Percentage Rote (APR) is the annual interest rate on your account.
Current 8069 Period: 30 days
TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE
RATE )APR) INTEREST RATE
Purchases 13.24% V $2,383.93 $25.90
Cash Advances 23.99% V $2,900.41 $5717
V . Variable Rate
Information For You
Every Purchase Counlsl Every time you use your Discover(R) card, you earn unlimited cash rewards automatically. Use your
card for everyday purchases, monthly bill payments or for something special. Make your money worth more - today and
every dayl
Need CoshT Whether ht's for an unexpected bill or an emergency car repair, Discoverp) card con always help. Get cosh at
ATMs nationwide or have money deposited directly into your bank accouid. Visit Discover.com/cash to find out more.
Build extra Cashbock bonus by using your Discover(R) card to pay your monthly household 611111is like cable, cell phone, and
insurance. It's easy to set up, lust contact your provider. You'll earn rewards with every Isoll
Additional Important Information
See your Cordmsmber Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen eards, Reportimmadiatelyl Call-800-347-2663.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statemenl, write to us at: Discover. PO Box 30421 Soh Lake City, LIT 84130.0421
In you letter, give us the following information:
• Account! Jniormation: Your name and account number
Dopar amount: The dollar amount of the suspected error
Descr ti n of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
II as a mtsfaYce.-
You must contod vs within 60 days after the error appeared on yaw statement.
You must notify us of any potential errors in r in . You may call us, but if you do we are not required to investigate any
potartiab errors and you may have to pay amount In question.
While we investigate whether or not there has been an error, the following ate true:
We cannot fry to edbcI the amount In question, or report you as delinquent on that amount.
The charge in gueslion may remain on your statement, and we may continue to charge you interest an that amount. But, if
we determine that we made a mistake, you will not have to pay the amount In question or any interest or other Fees related
to that amount.
While you do not have to pay the amount in question, yyoouu are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit Umit.
Your Rights If You Are Diszads&4 With Your Credit Card Purehduss
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the bUcwing must be true:
1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $60. (Nola: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check lhai accesses your credo card account do not qualify.
3. You must not yet have fully paid for the purchase.
Rail of the criteria above are met and you are still disswisRod with the purchase, contact us in wrist ai:
Discover, PO Box 30945, Sall Lake Ci r, UT 8,413110945
While we investigate, the some antes apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
PayaroNs You may all a part of your Acccn` balance at any time. However, you must pay at least the Minimum
PaymeN Due lsy themerti Due Drste. Send only your payment and the lap portion of this statement in the envelope
F?Vk. Y not d shBy sending uheck s dacrid above, you athorize us to use information on your check
n fwxf tr nsTer yor ounat the finnial institution iicated on your check or to pnxeas the
as chansaction. If ent is roceas an elonic fund trsfer, the transfer will be for the amount of
stse Information n yheck b mke an elochonlc fwsd tranufer, funds maybe wiffadmwn from your
as soon as the same day we receive your payment, arxf you will not receive your check back From your financial
institution.
The procesarg of your payment may be delayed if you send cdsh, correspondence or other item: with your payment, if you
stand the payment fo any other address or iF you use an envelope other than tM one provided. Payments received in proper
Frxm at our processing ilRy ?SPM local lime on any dervy with ba credited b your Account as of that day. Payments
yy pr«essnng indl eked SPM local time will be credited to ur Account as of the next day. If you have
?It?r envelope, send your paymant to Discover. PO Box 6103 ?arol Stream, IL 60197-b 103. Please aibw 7.10
Boys far daUvery. IF your payment ns rafumad unpaid, we reserve the rigfrt to resubmit it as an electronic debit.
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCWVER
A
r
You can y monthly Minimum Paym Fit Due, or a reater amount that does not exceed your current Account balance,
over the fa one or you can setup autom tic payments hrough a customer service represenialive by calling
1-800.347.2fie3. Aulonwlic payments wi be deducted on the Payment Due Date urdess you request a re?urn?g payyment
date (e.g. the 15th daay of the month) that tours before your Pament Due Date. If your scheduled payment date faUs on a
weekend or bank holiday, your payment (! be processed the business day prior to the weekend or bank holiday. In order
to schedule monthZ= ents b tolepphon you wig need this statement and your bunk account information. You will be
asked to provide four (4?digits oft social security number of the primary borrower. By providing those numbers as
your electronic signature, you will be agr ing to this authorization to allow us and your bank to deduct each payment you
authorize, in the amount sabcted by you, m your bank account. You also authorize us to initiate debit or c tit entries to
your bank account, as =47. ble to coma 1 an error in the processing of such payment. You can cancel a scheduled
payment by phone at 1683 or moil of Discover, PO Box 30421 5alt take City, UT 84130.042) however we
must receive notice at least three business ys in advance of the scheduled payment. IF your payments may vary in amount,
we win Id you on each monthly billing staff ant when your payment will be made and how much t will be. You must ensure
that sufficient funds are available in your ink account, and all transactions must comply with U.S. law.
You can sat automatic payments for (i) st ment Now Balance, (ii) stotement Minimum Payment Due, (iii) stalement Minimum
Payment Due Plus a fixed dollar amount, o (Iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover
the Minimum Poyment Due as listed on yo monthly billingg staternenl, your scheduled paymeM for that month will be
increased to cover the Minimum Payment *.If the scheduled payment is neater than the Minimum Payment Due, any
excess will be ailed in accordance with ur Cardmember Agreement. It your scheduled p meet is greater than the New
Ballahce on your- billing stalement, that pa sot wig be Processed only for the amount of your New Balance. Your automatic
pyp,gp?ment amount maybe less than the am Fit indicated on the periodic statement based on credits or payments after the
).losing Date.
If you enraM by phone in our automatic pa ment service, please fill in the loltowing blanks below and retain the outhoi ization
for yplrr records.
Amdimt ? full Pa ? Min Pay ? Min Pay + $ ? Fixed Pay$
Banff Routing #: Bank Account #: . Frequency:
Ciro ittaporling: We may report informal about your Account to credit bureaus. Late payments, missed payments, or
other idefaulh on your Account may be ref led in your credit report. We normally report the status and payment history of
your count to credit reporting cioncies h month. If you believe that our report is inaccurate or incomplete, please write
4 at the following address: Di over, PO ?dx'l Wilmington, DE 198545316. Please indicate your name, address,
home telephone number and A&dyirt num or.
Ppy-try lrrlemsk We begin to impose into st chargos an a transaction fee or interest charge from the day we odd it to the
daily nca. We continue to impose int est charges until you pay Ae total amount you owe us. You can avoid ray ing
interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cas
Advances.
IF u polo me rvew Donne on
w I no, impose interest charges.
current billing statement. New P
n you ao nor pa your rvew aaiance in n
you may not get a grace period on now i
Haw We Calculate Interest Charges Do!
each billing period by first figuring the c
standard Pu"Fases, standard Cash Adva
How We Figure the Daily Balance for Ea
We start with the binning batai
your balance on the %st day of yi
We add any interest charges act
add an new transactions or fees
which the transaction or fee poste
We subtract any new, credits and
We make other adjustments (indt
How We Figure Your Total Interest Charg
We multiply the daily balance for
the billing period, This gives us it
we divide the APR that applies to
we odd up all the daily interest c
yaw We Include Fees
We add Balance Transfer Fees to the app
fees to the applicable Cash Advance Teti
Transaction Category.
statement by the Payment Due Data shown on that billing statement, we
portion of a new Purchose, aid by the Payment Due Dale on your
as t at first appear on the current billing statement.
depending an the balance to which we apply your payment,
Balance Method (including currant transactions): We calculate interest charges
ly balance" for each Transaction Cafegory. Transaction Categories include
,as and different promotional balances, such as Balance Transfers.
Transaction Category
e for each day. The beginning balance for the first day of the billing period is
F. previous billing period.
ad on the previous day's daily balance and any new transactions and fees. We
t of the later of the Transaction Date or the first day of the billing period in
to your Account,
those adjustments required in the "Paying Interest" soctioal.
ich Transaction Category by its daily periodic rate. We do this for each day in
interest charges for each Transaction Category. To get a daily periodic rate,
I, Transaction Category by 365.
rges. The sum is the total Interest charge for the billing period.
Balance Transfer Transaction Category We add Cash Advance
i Category. We add all other feeslo the standard Purchase
Balance Subjed to Interest Rate. Yours ent shows a Balance Subject to interest Rate. It shows this for each
transaction category. The Balance 5ubje to Interest Rate is the average of the daily balances during the billing
period.
Credit llalarrces. If your Account has a c
A credit balance is money that is owed 1
open. We will send you a refund of any
required by applicable law.
Forr??TD??DQQ(Telecommunications Device for
D?L?6f?1'944rionifor and/or record fete
purposes.
The Discoverocard is issued by Discover'.
balance, the amount is shown on the front of your billing statement.
. You may make charges against this amount if your Account is
lining balance of $1.00 or more after 6 months, or as otherwise
Deaf) assistance, please call 1.800347.7449.
calls between you and Discover representatives for quality assurance
Member FDIC
RZNFE001
Questions? Visit www.Disccver.com or
call 1-800-DISCOVER (1.800-3#7.2683).
DISCOVER
DISCOVER $5Now ,357A8
02 SDSN6A01 0005055
PATRICIA MEIXNER
14 BRTARLY DR
CARLISLE PA 17015-7670
Minimum Payment Due
$108.00
Payment Due Date
June 28, 2011
Address, e-mail or telephone changes
Go to www.Discovw.com or print change in space above.
Account Number ending in 9400
Enter Amount Enclosed Below
Please make check payable to Discover Card.
You are overlimit, Pay the sum otthe monthly
minimum payment plus the ovarlimif amount of
$57.48.
Ted APP to DISCOV• to receive a link to our
free mobile app and pay your hill In seconds
from anywherel
PO BOX 71084 III,,
CHARLOTTE NC 28272-1084
111111 loll loll 11 No 1111#1 1111111
000001986458214473213053574800110000010800
Opening Dale: May 3, 2011 - dosing Date: June 2,
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $5,306.37
Payments And Credits 110.00
Purchases + 27.97
Balance Transfers + 0100
Cash Advances + 0.00
Fees Charged + 47.26
Interest Cha d + 86.88
wew•Ba?anc? -?-- $5,33748
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,300.00
Credit Line Available $0.00
Cash Advance Credit line $2,700.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Cas bac Bonuse Anniversary Month
February
Operdng Cashback Bonus Balance 5 14.89
New Coshbock Bonus This Period + 0.18
Cashbad, Bows Balance $ 15.07
T. "ra mm.. leg in at vrww.Diecaver-eom
3 Easy Ways to Contact Us
f Access your account securely of www.Discover.com
2. Cal 1-800-DISCOVER (1-800.347.2683)
Please hove your Discoverv card available.
3. Write to us of Discover, PO Box 30943,
Sall Lane City, UT 841 0 (Not a payment address)
For payments, please send to address on remittance or
Discover: PO Box 6103, Carol Stream, IL 60197-6103
For TOD (Telecommunicalions Device for the Deaf)
assistance, please call 1-600.347.7449.
!011
page i of 2
Payment Information
New Balance $5,357.48
Minimum Payment Due $108.00
Payment Due Data June 28, 2011
Lots Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for now transactions may be increased up to the penalty
APR of 18.2496 variable.
Minimum Payment Worming: IF you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
<..: s 114F: 6QkT
Only the minimum 21 years $19,393
payment
$197
17 1 3 years
1 7,092
Savings . $12,301 )
If you would like information about credit counseling services,
call 1-800.3471121
Manage Your Account Online at www.Discover.com
• Access free online fools like Poydown Planner to create a plan
to down your balance, securely access statements, pay
bit s online and easily track all transactions
. Make your money worth more SM-Find easy ways to earn
and redeem cash rewards
NEWI Access your account securely through your
mobile phone
ransac ions
Trans. Post
Date Data
Payments and Credits May 26 May 26 PAYMENT THANK YOU 5 110.00
Merchandise May 31 May 31 GREAT FUN 16353369MAY 80112855903 CT $ 14.99
ZOO 16353369MAY
Other/Miscelarreous May 10 May 10 WALLET PROTECTION 1 MO 88&802-9639 UT 2.99
May 22 May 22 IDENTITY THEFT PROTECT 800-347-3089 UT 9.99
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
I -
Paperless statements mean less clutter, more convenience
Easily access up to 24 month of downloodable, password protected statements.
• See your statement ass n as it's available rather than wait for it to arrive in your mailbox.
• Get helpful payment remi ders through e-mail or text messages on your mobile phone.
• Print a paper copy of you statement anytime.
• Sign up today at Discove com/paperless
?2010 Dino- Bonk Mamba FDIC PAPER.0310
Transactions
Trans. Pmt
(cant.) Date Date
Fees Jun 2 Jun 2 PAYMENT PROTECTION PPD 1.877.8831959 S 47.26
TOTAL FEES FOR THIS PERIOD 47.26
Interest Charged INTEREST CHARGE ON PURCHASES $ 26.61
INTEREST CHARGE ON CASH ADVANCES 60.27
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PFPJOD 86.88
2011 Totals Year-to-Date
TOTAL FEES CHARGED IN 2011 $ 343,46
TOTAL INTEREST CHARGED IN 2011 355.19
9578334
z
b
0
0
0
0
V
Questions? visitwww.Dis ver.com or
DISCOVER
call 1 •800-DISCOVER (1.80 47-26831.
r--
I
DISCOVER
u pays to
DI c4havFFE Account number ending In 9,400
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Currom Billing Period: 31 days
TYPE OF BALANCE ??UA
L PERCENTAGE
BALANCE SUBJECT TO INTEREST CHARGE
? S
REST RATE
Purchases 13.24% V $2,368.25 $26.61
Cash Advances 2199% V $2,958.33 $60.27
V - Variable Rate
Additional Imporlunt 66. lion
Sae your Cerdrnomber Agreement. Your Cardmember Agreement contains all the terms of your Account.
lost or stolen cards. Report immediotelyl Call 1-800-347-2683.
What To Do If You Think You find A Mistake On Your Statement
11 you think there is an error on your statement, write to us at. Discover, PO Box 30421 Suit Lake City, UT 84130-0421
In yam letter, give us the following information:
Account inkwmalfon: Your name and account number
Dollar amount: The dollar amount of the suspected error.
• Descri do of Proble • If you think there is an error on your bill, describe what you believe is wrong and why you belleve
d s o mat ce,
You must contact us within 60 days after the error appeared on your statement.
You must not fy us of any potential errors in writing. You may can us, but if you do we are not required to investigate any
potential errors and you may have to payme amount in quesl'ton.
While we inveaigre whether or not there has been an error, the Following are true:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may amain on your statement, and we may continue to charge you inferesl on that amount. But, if
we determine Ihhd we code a mistake, you wig not have to pay the amount in question or any interest or other fees related
to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Aiah?s If Ygg .Me Dissatisfied Wfth Your credit Carr! Purchases
if you are dissatisfied with the goods or services +of you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may bay* the right not to pay the remaining amount
due on the purchase.
To use this right, aN of the following must be true:
i The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you or If we own the company that sold you the goods or sarvices.1
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If an of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover, PO Box 3094S, Sall take City, UT 84130,0945
While we Investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Paymeots. You may pay all or part of your Account balance of any time. Hoviever• you must pay at least the Minimum
Paymew Due by the Payment Due Date. Send only ur payment and the top portion of this statement in the envelope
pr?y?ded. Do not mud cash. 8 sending your ddas described alcove, you authorize us to use information on your check
b make an electronic Fund transfer From your account at the financial institution Indicated on your check or to process the
payment as a check trauaclion. IF pa mart is processed as an electronic fund transfer the hrmsfer will be for the amount of
tFre check. When we. information from your check to make an electronic fund tmns?er, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you will not receive your check back From your financial
institution.
The proeeasi^9 of your payment maybe delayed If you send cash, correspondence or other items with your payment, if you
send the paymart fo ar?y other addroas or tE yw use an envelope other than the one provided. Payments received m proper
form at our processing facility ?SPM taint time an any dayy witl be credited to your Account as of that toy. Payments
received at our processing tacit offer 5PM local time will be credited to your Account as of the next day. If you have
misplaced your envelope, send your payment to Dfacover, PO Box 6103 Carol Stream,1160197.6103. Please allow 7.10
days For delivery. If your payment is ralumed unpaid, we reserve the rig(it to resubmit ii as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC9VER
You can pay ur monthly Minimum Paym nt Due, or a greater amount that does not exceed your current Account balance,
over }he ? or you can setup aulom tic payments through a customer service represenlalive by calving
1.800347. 6883. Automatic payments ail be deducted on Ilia Payment Due Date unless you request a recurring p meat
data (e.. 16 15th day of the month) that curs before your payment Due Date. If your scheduled payment dale falls on a
weekend or bank holiday, your.payment w 11 be processed the business day prior la the weekend or bank holiday. In order
to schedule monthly paymanh by teleplton you will creed this statement and' your bank account information. You will be
asked to provide the last four (4 digills 119 social security number of the primary borrower. By providing those numbers as
your electronic stgnolure, =21 l 6ogre ng to this authorization to allow us and your bank to deduct each pa mane you
authorize, in the amouret byy you, your bank account. You also authorize us to initiate debit or credit entries to
your bank account, as applicable 1o tour t an error in the processing of such payment. You can cancel a scheduled
payment by one at 1- 347-'x683 r y moil of Discover, PO Box 30421 Salt Lake City, UT 84 1 30-042 1 however we
must receive notice at least three business ys in advance of the scheduled payment. IF your payments may vary in amount,
we will tell you on eadr monthly billing slat ment when your payment will be made and how much it will be. You must ensure
that sufficient funds are available in your account, and all transactions must comply with U.S. law.
You can set automatic payments for (t) sea ent New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum
Payment Due plus a fixed dollar amount, {iv) a fixed dollar amount. If your scheduled fixed payment is not enouggh to cover
the Minimum Payment Due as listed on you monthly billling statement, your scheduled payment for that month will be
increased to cover the Minimum Payment ire. If the scheduled payment is reotar than the Minimum Payment Due, arty
eXcess will be ap?olIied in accordance with our CaMmembar Agreement. If9your scheduled payment is greater than the N.
Balance on your biI4 statement, that p ent will be ocessed on for the amount of your New Balance. Your automatic
payment amount maybe less than the omo nt indicated on the periodic statement based on credits or payments after the
Closing Date_
If you enroll by phone in our automatic pa ment service, please fill-in ilia following blanks below and retain the authorization
For your records.
Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$
Bank Routing tt: ___ i Bank Account p: , Frequency:-
--Credit Reporting. We may report informal i about your Account to credit bureaus. Late payments, missed payments, or
other defauhs on your Account may be rail clad in your credit report. We normally report the status and payment history of
your Account to credit reporting agancies h mouth. If you believe that our report is inaccurate or incomplete, please write
us at the following address: Discover. PO x 15316, Wilmington, DE 19850.5316. Please indicate your name, address,
home telephone number and Account num er
Paying Interest: We begin to impose intar Jst charges on a transaction Fee or interest charge from the day we add it to the
doily balance. We continue to impose int rest charges until you pay 16 total amount you owe us. You con avoid paying
interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash
Advances.
How to Avoid Puryi Irr merest on Purchase "Grace Period"
ffiyou pat the Now Balance on your prev s i ing statement by the Payment Due Date shown on that billing statement, we
will not impose interest charges on new Pu hoses or any portion of a new Purchase, paid by the Payment Due Dale on your
current billing statement. New Purchases re Pur<)rasas that first appear on the current billing statement.
How We ADaIv Payments a Im oct Yo r Grace Period
IF you o no pay your Now a once n each mon ,fan, depending on the balance to which we apply your payment,
you may not get a grace period on now P rchases.
How We Calculate Interest Charges Dulll Balance Method (including current transactions): We calculate interest charges
each billing period by first figuring the "cl ly balance" for each Transaction Category. Transaction Colegories include
standard Purchases, standard Cash Alvan es and different promotional balances, such as Balance Transfers.
Flow We Figure else Daily Balance for Eae Transaction Cahrgory
We start with the beginning balan for each day. The b inning balance for the first day of the billing period is
your balance on the lost day of yo or previous billing period.
We add any interest charges accr an the previous day's daily balance and any new transactions and fees. We
add ary naw transactions or fees of the later of the Transaction Date or the first day of the billing period in
which the transaction or Fee poste to your Account.
We subtract any new credits and meals.
We make other adjustments (incl ing those adjustments required in the "paying Interest" section).
Flow We Figure Your Total lrterest Charg
We multiply the daily balance for h Transaction Category by its daily periodic rate. We do this For each day in
the bill n parnod. This gives us fh Interest charges for each Transaction Category, To get a daily periodic rate,
we divide flue APR that applies to 1 Transaction Category by 365.
We add up all the daily interest c urges. The sum is the total interest charge for the billing period.
Flow We include Fees
We add Balance Transfer Fees to the appl cable Balance Transfer Transaction Category, We add Cash Advance
Fees to the applicable Cash Advance Tra ction Category. We add all other fees to the standard Purchase
Tronsaclion Category.
Balance Subject to interest Rate. Your statement shows a Balance Subject to interest Rate, it shows this for each
transaction category. The Balance Subjec to interest Role is the average of the daily balances during the billing
period.
Credit Balances. If your Account has a cr dit balance, the amount is shown on the front of your billing statement,
A credit balance is money that is owed to you. You may make charges against this amount if your Account is
open. We will send you a refund of any r maining balance of $1.00 or more after 6 months, or as otherwise
required by applicable law.
For TTDD (Telecommunications Device for Deaf) assistance, please call 1.800-347-7449.
DNZWCnitor and/or record tele hone calls between you and Discover representatives for quality assurance
purposes.
The Discoverecard is issued by Discover ank, Member FDIC UNFE001
QU1135tionS? Visit www.Di.scoirer.com or ??SC?1/ER
call 1 •800-DISCOVER (1.800-3 7-2663).
DISCOVER
New Balance Minimum Payment Due
$5,516.50 $239.00
Payment Due Date
July 26, 2011
Account Number ending in 9400
Enter Amount Enclosed Below
Please make chock poyoble to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the ovw9mit amount of
$216.50.
Text APP to DISCOW to receive a link to our
free mobile app and pay your bill In seconds
from anywherel
02 SDSNWI 0005056
PATRICIA NEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Address, e-mail or telephone change?
Go to www.Discow.com or print change in space above.
000001986458214473213055165000000000023900
Date: June 3, 2011 - Closing Date: July 2, 2
Discover More Card Account Summary
Account number ending in 9400
Previous Bakutce $5,357.48
Payments And Credits 0.00
Purchases + 0-00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 73.66
Interest Charged + 85.36
New Balance $5,51'.50
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,300.00
Credit line Available $0.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Cash o& Bonus! Anniversary Month
February
Opening Cashback Bonus Balance $ 15.07
Now Coshback Bonus This Period + 0.00
Cashback Bonus Balance $ 15.07
To lemon mme, log in of wrrW.Dlscover.com
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan
2. Call 1-800-DISCOVER (1-800.347.26B3 to pay down your balance, securely access statements, pay
Please have your Discover* card available. bills online and easily track all tronsecllons
3. Wale to us of Discover PO Box 30943, Make worth morel-Find eaa
Salt Lake City, UT 841'30 (Not a payment address) Your money Y ways to earn
and redeem cash rewards
For payments, please send to address on remittance or
Discover. PO Box 6103, Carat Stream, IL 60 t 97-6103 NEW Access your account securely through your
For TDD (lelecommmications Device For the Deaf) mobile phone
assistance, please call 1-800-347-7449,
roinsacions
Trans. Post
Date Date
Fees Jun 28 Jun 28 LATE FEE $ 25.00
Jul 2 Jul 2 PAYMENT PROTECTION PPD 1-877-883-1959 48.66
TOTAL FEES FOR THIS PERIOD 73.66
Interest Charged INTEREST CHARGE ON PURCHASES $ 25.90
INTEREST CHARGE ON CASH ADVANCES 59.46
PO Box 71084 Ilflllll111!llNrlllil/rill
CHARLOTTE NC 282721-1111!0ll8fl4
1111 J11111111111111111It1111111111 illl11111141111111
X11 page 1 of 2
Payment Information
New Balance $5,516.50
Minimum Payment Due' $239.00
Payment Due Date July 28, 2011
'Includes post due amount of $108.00
Late Payment Warning: IF we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new Transactions may be increased up to the Penalty
APR of 18.24% variable.
Mkdmum Payment Warning: If you make only the minimum
payment each period, you will pay more In interest and it will
take you longer to pay off your balance. for example:
I Weil .
w;
n. .
;
Only the minimum 21 years $19,757
payment
If you would like information about credit counseling services,
mil 1.800-347.1121
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVEK
Paperless state
Easily access up to 24 me
• See your statement as
• Get helpful payment r
• Print a paper copy of
• Sign up today at D'tso
4=10 Di•cwcY Bak. M-6•, FDIC
I:nts mean less clutter, more convenience
of downloodable, password protected statements.
i as it's available rather than wait for it to arrive in your mailbox.
ders through e-mail or text messages on your mobile phone.
statement anytime.
Corn/papedess
Transactions
Trans. Post
(cont.) Date Date
interest Charged
2411 Totals Year4o-pate
9578334
INTEREST CHARGE ON BALANCE TRANSFERS
TOTAL INTEREST FOR THIS PERIOD
TOTAL FEES CHARGED IN 2011
TOTAL INTEREST CHARGED IN 2011
PAPS OV O
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$ 417 12
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Questions? Visit www.Di c*ver.corn or DtSCOVEh
call 1-800-DISCOVER (1.800 347-2683)
DISCOVER
PATRICIA MEIXNER
h pays to
L131 Account number ending in 9400
MFR'
page 2 of 2
Interest Charge Calculation
Your Annual Percenlago Role (APR( is the annual interest rate on your account.
Current B&g Per" 30 days
TYPE OF BALANCE RAANNUAAL PERCENTAGE IBA CEBSUUBJECT TO INTEREST CHARGE
(APR) EREST
Purchases 13.24% V $2,382.65 $25.90
Cash Advances 23.99% V $3,015.9S $59.46
V - Variable Rate
Information For You
"+ ATTENTION "• Your account is P00 &10. Please pay the pall due amount now, or contact us to make other
arrangements.
Additional important In"ation
See your Cardmernber Agreement. Your Cordmember Agreement contains all the terms of your Account.
Last or stolen cards, Report immedialelyl Call 1-800-347-2683.
What To Do if You Think You hind A Mistake On Your Statement
If you think there is an error an your statement, write to us at: Discover, PO Box 3042 I Sah Lake City, UT BA130 0421
n your letter, give us she following information:
• Account information: Your name and account number
• DoAar amount: The dour amount of the suspected error
• Uescri afion ofProblem If you think there is an error an your bill, describe what you believe is wrong and why you believe
rta a m s1a? y
You must contact us within 60 days aher the error appeared on your statement.
You must notify us of any potential errors In writin . You may call us, but if you do we are nol required to investigate any
poledid errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, thre following are true:
• We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if
we determine that we made a mistake, you will not have to pay the amount In question or any interest or other fees related
to that amourd.
• While you do not have to pay the amount in question, are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit init.
Your fthls if You Are Plor"fia:t"red With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried
in goad faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home stale or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you or 11 we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cosh advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet have fully paid For the purchase.
if all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover, PO Box 30945, Sah Lake City, UT 84130-D945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
invedigallon, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. You may pay all or part of your Account balance of any time. However, you must pay at least the Minimum
payment Due by the P eM Due Date, Send only your payment and the lop portion of this statement in The envelope
Do not send ocash. 8y sending your check as desarbad above, you authorize vs to use inforrnallon art your check
e
of make an electronic hind Irons or from your account at the financial institution indicated on your check or to process the
payment as a check transaction. If payment is processed as an electronic Fund transfer the transfer will be for the amount of
the check. When we use information irom your check to make an electronic fund trcmAi r, funds may be wohdravm from your
account as soon as the some day we receive your payment, and you will not receive your check back From your financial
institution.
The processing of your payment may 6e delayed if you send cash, correspondence or other items with your payment, if you
t fo ar?y other address or if you use an envebpe other Ihon the one provided. Payments received rn proper
sand the :p
form at oraceutng Facility 6y 3PM bcol lima on arty day will be uedited to your Account as of that day. Payments
rxeived our processing facility aBer SPM bcal 11me will be credited to yova Account as of the next coy. If you have
mispksced your emrelope, send your payment fo Discover PO Box 6103 Carol Stream, IL 601976103, Please allow 710
. IFyrwr payment Is returned unpaid, we reserve the rig?it to resubmit tt as an electronic debit.
days for delivery
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
You can pay yyoouur monthly Minimum Paym nt Due, or a greater amount that does not exceed your current Account balance,
over the feleahons or you can setup ouhxn tic paymentslbrough acustomer service representative by calling
I-WOQ347 Q2683_ Autanalic payments wil be deducted on the payment Due Date unless you request a recurring payment
dote (e , the 15th day of Ilse mordh) that m before your Payment Due Data. If your scheduled payment date Falls on a
weekend or bank IsoRday, your payment w If be processed the business day prior to the weekend or bank holiday. In order
to schedule monthly payments b tole an you will need this statement and your bank account information. You will be
asked to provide the last Four (4fdigiis o£ t social security number of the primary borrower. By providing those numbers as
your electronic signature, you will be ogre no to this outhorization to allow us and your bank to deduct each payment you
authorize, in the amount selected I you, your bank account. You alra authorize us la initiate debit or cradil enfries to
your bank account, as a ncable, fo Corr t an error In the processing of such payment. You can cancel a scheduled
payment by phone at 1-666347.2683 or mail of Discover, PO Box 30421 Sant Lake City UT 84130-0421 however we
must receive noticed two three business ays in advance of the scheduled payment. If your payments may vary in amount,
we will tall you on each monthly billing stet meni when your payment will be made and how much it will be. You must ensure
that sufficient funds are available in your b nk account, and all transactions must comply with U.S. low.
You can set automatic payments for (i) star rnenl New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum
Payment Due plus a fixed dollar amount, o (f v) a fixed dollar amount. If your scheduled fixed payment is not enough to cover
the Minimum Payment Due as listed an yo mordhly bittingg statement, your scheduled payment lor that month will be
increased to cover the Minimum Payment e. If the achasduled payment is neater than the Minimum Payment Due, any
excess will be applied in accordance with ur Cardmember Agreement. IFyour scheduled pagnenf is greater than the Now
Balance on your billing statement, that pay ent will be tossed only For the amount of your New Balance. Your automatic
payment amount maybe leas than the am nl indicdad on the periodic statement based on credits or payments after the
Closing Dale.
If you enroll by phone in osn• automallC po meni service, please Fill-in the following blanks below and retain the authorization
for your reuxds.
Amount: ? Full Pay ? Min Pay ? Min Pay + a_ ? Fixed Pay$
Bank Routing #: , Bank Account 4: , Frequency:
Credit Reporting. We may report informal about your Account to credit bureaus. Late paymanh, missed payments, or
Oliver defaults on your Account may be refl cFed in your credit report. We normally repair the status and payment history of
your Account . If you believe that our report is inaccurate or incomplete, please write
b credit repodinp agencies acts monllt
us at the following address: Discover. PO ox 15316, Wilmington, DE 19850-5316. Please indicate your name, address,
home telephone number and Account nun r
ng lni rest. We basin to impose inter st charges on a transaction, fee or interest charge from the day we add it to the
Par
daily Lxtavice. We continue to im int est charges until you pay the tofu] amount you owe us. You can avoid Paying
interest on Purchases as describedpose balaw. However, you cannot avoid paying interest on Balance Transfers or Cash
Advances.
How to Avoid Pa ' Interest on Purchase "Grace Period"
1 you pa t ew Balance on your prev s billing statement by the Payment Due Date shown on )hot billing statement, we
wig not Impose interest charges on new Pu chases or an portion of a new Purchase, F by the Payment Due Date on your
hai first appear on the current billing statement.
current billing statement. New Purchases re Purc?ases 100
How We Amply Pa ants Ma Im net Yo r Grace Period
you not pay your ew a nce in u each month, then, depending on the balance to which we apply your payment,
you may not get a grace period on new P rchomm.
How We Calculate Interest Charges Dail Balance Method {including current transactions): We calculate interest charges
each billing period by first figuring the "d fy balance" for each Transaction Category. Transaction Categories include
standard Purchases, standard Cosh Advan es and different promotional balances, such as Balance Transfers.
How We Figure the Daily Balance for Eat Transaction Category
We start with the beginning bola a for each daayy. The beginning balance for the first day of the billing period is
your balance on the last day of yo previous biffing period
We add any interest charges act lid on the previous day's daily balance and any new transactions and fees, We
add any new transactions or fees s of the later of the Transaction Dale or the first day of the billing period in
which the transaction or fee poste to your Account.
We subtract any now credits and ctyments.
We make other adjustments (inclu ing those adjustments required in the "Paying Interest" section).
How We figure Your Total Interest Charg, s
We mukiply the daily balance for h Transaction Category by its daily periodic rate. We do this for each day in
the biging period. This gives us th interest charges for each Transaction Category. To gat a daily periodic rate,
we divide tine APR that applies to I is Transaction Category by 365.
We odd up of the daily interest c arges. The sum is the total interest charge for the billing period.
How We Include Fees
We add Balance Transfer Fees to the app cable Balance Transfer Transaction Category. We add Cash Advance
Fees to the applicable Cash Advance Tra suction Category. We add all other fees to the standard Purchase
Transaction Category.
Balance Subject to Interest Rate. Your st menf shows a Balance Subject to Interest Role. It shows this For each
transaction category. The Balance Subje to Interest Rate is the average of the daily balances during the billing
period.
Credit Balances. If your Account has a cr fl balance, the amount is shown on the front of your billing statement.
A' credit balance is money that is owed to you. You may make chargges against this amount if your Account is
open. We will send you a refund of any matning balance of $1 AO or more after 6 months, or as otherwise
required by applicable law.
ForTDD (Telecommunications Devfce for I Deaf) assistance, please call 1-800-347-7449,
DMWAonitorand/or record tole hone calls between you and Discover representatives For quality assurance
purposes.
The Discoverocard is issued by Discover ank, Member FDIC RZNFE00J
Questlons? Visit www.Discorer.com or DISCOVER
tail 1-800-DISCOYER (1.800.3 7-2683).
DISCOVER
New Balance Minimum Payment Due
$5,692.29 $385.00
Payment Due Date
August 28, 2011
02 SDSNGA01 0005057
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below -71
$ 1
Please make check payable to Di ver Card.
You are oveAimit. Pay the sum of the montMy
minimum payment plus the overlimit amount of
$392.29.
Text APP to DISCOV' to receive a fink to our
free mobie app and pay your bill In seconds
from anywhere!
PO BOX 71084 III 119IIs111119 rrrlsll11191
CHARLOTTE HC 28272-1084
Address, e-mail or telephone changett III [fill
Go to www.Discover.com or print change in space above.
000001986458214473213056922900000000038500
vpening UM: .tuiy s, AV t t - F.tosrng uaee; raugusT A.
Discover More Card Account Summary Account number ending in 9400
Previous Balance $5,516.50
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 85.21
Interest Charged + 90.58
New Balance - ----?? 45,69229
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Une $5,300.00
Credit Line Available $0.00
Cash Advance Credit Lim $2,700.00
Cash Advance Credit Line Available $0.00
You may 6e able to avoid Interest Charges, see Additional
Important Information for deloils.
Cashback Borwse Anniversary Month
February
Opening Cashback Bonus Balance $ 15.07
Now Cashback Bonus This Period + 0.24
Cashbadc Bonus Balance v? ^~ $ 15.31
To ban mme, be in w www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.com
2. Cap 1-800-DISCOVER (1-800-347-2683)
Please have your Discovers card available.
3. Write to us of Discover, PO Box 30943,
Soh Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover. PO Box 6103, Carol Stream, IL 60197-6103
For TDD ge!ecommunicatloms Device for the Deaf)
assistance, please cap 1-800.347-7449.
Manage Your Account Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
to ray down yaw balance, securely access statements, pay
bit s online and easily track all transactions
• Make your money worth more5m--Find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
rcA857 ions
Trans. Post
Date Date
Fees Jul 28 Jul 28 LATE FEE $ 35.00
Aug 2 Aug 2 PAYMENT PROTECTION PPD 1-877-883-1959 50.21
TOTAL FEES FOR THIS PERIOD 85.21
Interest Charged INTEREST CHARGE ON PURCHASES $ 27.89
INTEREST CHARGE ON CASH ADVANCES 62.69
2011 page 1 of 2
Payment Information
New Balance $5,692.29
Minimum Payment Due* $385.00
Payment Due Dale August 28, 2011
*Includes past due amount of $239.00
Late PaMad Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs For new transactions may be increased up to the Penally
APR of 18.24% variable.
Minimum Payment Waming: If you make only the minimum
payment each period, you wig pay more in interest and it will
take you longer to pay off your balance. For example:
:.:
r NO,
„ 1
Only the minimum 21 years $20,088
payment
If you would like information about credit counseling services,
call 1.800.347.1121
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily access up to 24 month of downloodable, password protected statements.
t • See your statement as soon as it's available rather than wait for it to arrive in your mailbox.
I • Get helpful payment remi ders through e-mail or text messages on your mobile phone.
• Print a paper copy of you slolement anytime.
• Sign up today of Discove coin/paperless
Q010 Discover Cunt, Member FDIC
PAPER.0310
Transactions
Trans.
(cont.) Dab Post
Data
Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0.00
TOTAL INTEREST FOR TM PERIOD 90.58
2011 Totals Year-to-Date
TOTAL FEES CHARGED IN 2011 $ 502.33
TOTAL INTEREST CHARGED IN 2011 531 13
9578334
y
v
Z
M
0
0
0
U
N
N
V
x
Questions? Visit www.Di ver.com or Q{SC*VER
call 1.800-DISCOVER (1.800347.2683).
DISCOVER It P°?s Account umber e MELKNER D OVER I Account number ending in 9400
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period: 31 days
TYPE Of BALANCE ??;?lERCENTAGE BA,?I1 NC SSUUILECT TO INTEREST CHARGE
Purchases 13.24% V $2,483.19 $27.89
Cash Advances 23.99% V $3,077.00 $62.69
V - Variable Rate
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 at once.
Additional Important laFt motion
See your Carchnombsr Agrooment. Your Cardmember Agreement contains all the terms of your Account.
mast or stolen cards, Report immediatelyi Call 1-800-347-2663.
What To Do if You Think You Find A A,Ftake on Your Statement
If you drink there is an error an your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30442 1
In your left, give us Ibe following information:
Account inforaWfon: Your name and account nunber-
tloNor amount: The dollar amount of the suspected error
Descri fo of Proble : If you think there Is an error on your bill, describe what you believe is wrong and why you believe
rl s a mrs ace.
You must contact us within 60 days offer the error appeared on your statement.
You must notify us of any potential errors in w_r_ifi_?g. You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, the following are true:
We cannot trY b collect the amount in question, or report you as delinquent on that amount.
The large In guostion may remain on your statement, and we may continue to charge you interest on that amount. But, if
we determine that we mode a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Riabts IF You Are DissagLsfjexi With Your Credit Card Purchases
if you ore dissatisfied with the goods or services that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
I The purchase must have been made in your home state or within 100 miles of your current mailing acidness, and
the purchase price must have been more than $50. (Note: Neither of those are necessary if your purchase was
based on an advertisement we mailed to you or If we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yel have Fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writirul at:
Discover- PO Box 30945, Salt Lake City, UT 84 1 3 0-0945
While we investigate, lire some rules apply to the disputed amount as discussed above. After we finish our
investigalion, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum
Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the emrolopa
provided. Do not send cash. BY aendirg your chock as described above, you authorize us to use information on your check
b make an electronic fund konsffer horn your account at the financial institution indicated on your check or to process the
U meat as a check transaction, If paymern Is processed as an electronic kind transfer, the transfer will be forlhe amount of
check. When we use Information Irom your check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the some day we receive your payment, and you will not receive your chock hack from your financial
institution.
The processing of your payment may be delayed if you send cash, correspondence ar other items with your payment, if you
send the payment to any other address or iF you use an envelope oihrar than the one provided. Payma receired in proper
Form at our processing tactility 5PM local lime on any day wall be credited to your Account as of that day. Payments
received at our pracessng facdi aher 5PM loco! lima wall be credited to Your Account as of the next day. If you lave
misplaced your envelope, send your payment fo Discover, PO Box 6103 Carol Stream, IL 6019711103. Please allow 7.10
days kx delivery. If your payment Is returrtad unpaid, we reserve the rig?it to rosubmit it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
You con pay ur monthly Minimum Paym
over the e or you can setup autos
1=800347- 683. Automatic payments w
data e.g. the 15th d?aay?, of the month) that
weekend or bank holiday, your payment v
to schedule monthly payments tafephon
asked to idle the last Four (4?digi of
your 818C = signature, you will be ogre
authorize in the amount selected by you,
your tea account, as ppl?icable, to corn
pgrymerd by phone at 1app1347-2683 or
must receive notice at least three business
we will tell you on each monthly billing star
that sufficient funds are oval labb in your k
You can ad outomatic payments for- (1) stc
Payment Due plus a fixed dollar amount, c
the Minimum Payment Due as listed on yo
increased to cover the Minimum Payment
excess will be applied in accordance with
Balance on your billing statement, that pal
Mment amount may be less than the am,
Closing Date.
If you enroll 6y phone in our automatic pc
fa- your records.
Amount: ? Full Pay ? Min Pay
Bank Routing
Credo Reporting. We may report informal
other defaults on your Account may be rel
your Account to credit reporting agencies
us, at the Following address: Discover, PO
home telephone number and Account nurr
P interest: We begin to impose inter
dplance. We continue to impose tnl
interest an Purchases as described below.
Advances.
If you paid the New natance on your
will not rm se interest charges on ne
current bit rrg statement. New Purchn
It you do not pay your NOW valance in n
you may act get a grace period on new I
Haw We Calculate Merest Charges Doi
each 61Yfng period by lira figurine the "d
standard Purchases, standard Cas Adva
How We Figure the Daly Balance for Eac
We start with the beginning 6alai
your balance on the Iasl day of yr
We add any interest charges acc
add any new transactions or fees
which the transaction or fee posk
We subtract any new credits and
We make other adjustments (Inch
How We Figure Your Total Interest Chars
We multiply the dal balance for
the biping period. i.9;111. ius tl
we divide the APR Ihaf apto
We add up all the daily interest c
Now We Include Fees
We add Balance Transfer Fees to the oPF
Fees to the a licable Cash Advance Tro
Transaction Category.
Balance Subject to interest Rate. Your sic
transaction category. The Balance Subje
period.
Credo Balances. If your Account has a cr
A credit balance is money drat is owed tc
open. We will send you o refund of any
required by applicable low.
For TT?D77D (Telecommunications Device for I
DfYctSVe"onitor and/or record late
purposes.
The Discoverocard is issued by Discover
it Due, or a greater amount that does not exceed your current Accowl balance,
c payments through a customer service representative by calling
be deducted on the Payment Due Date unless you sequert a recumng pa ant
:curs before your Payment Due Dote. If your uheduled payment dats7alls on a
be processed the business day prior to the weekend or bank holiday. In order
you will need this statement and your tank account information. You will be
social security number of the primary borrower. By providing those numbers as
rg to this authorization to allow us and your bank to deduct each pa ent you
m your bank account. You also authorize us to initiate debit or credit entries to
an error in the processing of such payment. You can cancel a scheduled
r mail at Discover, PO Box 30421 Salt take City, t1T 8 4 1 30-042 1 however we
ys in advance of the scheduled payment. If your payments may vary in amount,
nerd when your payment will W made and how much it will be. You must ensure
rk account, and all transactions must comply with U.S. low.
man) New Balance, (iij statement Minimum Payment Due, (illy statement Minimum
iv) a fixed dollar amount. If your scheduled fixed poyment is not errou8h to cover
monthly billing statement, your scheduled payment for that month will bar
e, if the scheduled payment is greater than the Minimum Payment Due, any
wr Cordmember Agreement. fl your scheduled payment Is greater than the Now
and will be rocessod only for the amount of your New Balance. Your automatic
nt indicated on the periodic statement based on credits or payments after the
ment service, please fill-in the following blanks below and retain the authorization
? Min Pay + S ? Fixed Pay$
-P Bank Account #: r Frequency: _
err about your Account to credit bureaus, late payments, missed payments, or
rdad in your credit report. We normally report the status and payment history of
ach month. If you believe that our re port is inaccurate or incomplete, please write
Sox 15316, Wilmington, DE 198545316. Plaase indicate your name, address,
ser.
rst charges on a transaction, fee or interest charge from the day we add it to the
rest charges until you pay the total amount you owe us. You can avoid paying
However, you cannot avoid paying interest on Balance Transfers or Cash
rg statement byihe Payment Due Date shown on that billing statement, we
or anyy portion of a new Purchase, paid by the Payment Due Date on your
uses Ihal first appear on the current billing statement.
depending an the balance to which we apply your payment,
d (including current transactions): We calculate interest charges
each Transaction Category. Transaction Categories, include
promotional balances, such as Balance Transfers.
Tronsocllan Category
s for a" day. The beginning balance for the first day of the billing period is
r previous billing period.
sit on the previous day's daily balance and any new transactions and Fees. We
1 of the Tatar of the Transaction Dole or the first day of the billing period in
to your Account.
ling those adjustments required in the 'Paying Interest" section).
s
each Transaction Category by its daily periodic rata. We do this for each day in
is interest charges for each Transaction Category. ,ro get a daily periodic rate,
he Transaction Category by 365.
arges. The sum is the iota) interest charge for the billing period.
icable Balance Transfer Transaction Category. We add Cash Advance
saction Category. We add all other fees to the standard Purchase
ement shows a Balance Subject to interest Rote. It shows this For each
t to Interest Rate is the average of the daily balances during the billing
edit balance, the amount is shown on the front of your billing statement
you. You may make charges against this amount rf your Account is
emaining balance of $1.00 or more after 6 months, or as otherwise
is Deaf) assistance, please call 1-800-347-7449.
calls between you and Discover representatives for quality assurance
Member FDIC
RZNFEW I
ER
Questions? Visit www.Disco?er.com or DISCOVER
call 1-800-DISCOVER (1.800-3 726831. tl
DISCOVER
New Balance Minimum Payment Due
$5,872.25 $534.00
Payment Due Date
September 28, 2011
02 SMISIBMI 0005058
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
Please make check ygble to Discover Card.
You are ovedimit. pay the sum of the monthly
in,nrum payment plus the over{imit amount of
572.25.
Text APP to DISCOV• to receive a link to our
free mobile app and pay your bill in seconds
from anywherel
PO BOX 71064 Illusllurll?nnelrllnlrl
CHARLOTTE NC 28272-1084
Address, a-mall or telephone change? lulrllrrlnrlrlluIlrrlrIIII1Illrtill lielr,llululrtLlrrll
Go to www.Discover.com or print change in space above.
OD0001986458214473213058722500000000053400
Opening Date: August 3, 2011 - Closing Date: Septen
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $5,692,29
Payments And Credits 0.00
Purchases + 0.00
Balance Translers + 0.00
Cash Advances + 0.00
Fees Charged + 86.80
Interest Char + 93.16
New Balance 5,872.25
See Interest Charge Calculalion section following
transactions for detailed APR information
Credit tine $5,300.00
Credit Line Available $0.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available 50.00
You may be able to ovoid Interest Charges, see Additional
Important Information for details.
c.asnoaca cons- Anniversary Month
February
Opening Cashback Bonus Balance $ 15.31
New Cashback Bonus This Period + 0.12
Redeemed This Period 15.43
Cashback Bonus Balance $ 0100
ro learn ?G 69 in of www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Disc6ver.com
2. Call 1-800-DISCOVER (1-800-347.2683)
Please have your Discoverecard available.
3. Write to us al Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For paymeas, ase send to address on remittance or
Discover. PO Oox 6103, Carol Stream, IL 60197.6103
For TDD (Telecommunications Device for the Deaf)
,p}viftplease call 1-900-W-74,49.
Transactions
Trans. Pest
Date Data
Fees Aug 28 Avg 28 LATE FEE
35.00
Sep 2 Sep 2 PAYMENT PROTECTION PPD 1-877-883.1959 51.80
TOTAL FEES FOR THIS PERIOD 86.80
Interest Charged INTEREST CHARGE ON PURCHASES $ 29.18
Payment Information
New Balance $5,872.25
Minimum Payment Due` $534.00
Payment Due Dole September 28, 2011
'Includes past due amount of $385.00
Lute Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up io the Penalty
APR of 18.24% variable.
Minknum Payment Warning: If you make only the minimum
payment each period, you will pay more In Interest and it will
take you longer to pay off your balance. For example:
Only theminirnum 21 years $20,447
payment
If you would like information about credit counseling services,
call 1-800-3A7-1121
Manage Your Account Online at www.Discover.com
Access has online tools like Paydown Planner to create a plan
to down your balance, securely access statements, pay
biNs online and easily track all transactions
• Make your money worth moresm--find easy ways to earn
and redeem cash rewards
• NEW Access your account securely through your
mobile phone
NOTICE: SEE REVERSE ME FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily access up to 24 month of downloodable, password protected statements.
• See your statement as so n as it's available rather than wait for it to arrive in your mailbox.
• Gel helpful payment remi ders through e-mail or text messages an your mobile phone.
• Print a paper copy of you statement anytime,
• Sign up today at Discove cam/paperless
57010 Doc- bunk. M-4- FDIC
Transactions
Trans. Post
(Cont.) Date Dab
Interest charged
2011 Totals Year-to-Date
9578334
INTEREST CHARGE ON CASH ADVANCES
INTEREST CHARGE ON BALANCE TRANSFERS
TOTAL INTEREST FOR THIS PERIOD
TOTAL FEES CHARGED IN 2011
TOTAL INTEREST CHARGED IN 2011
PAPER.0310
In
v
to
z
0
0
00
f 63.98
0.00 x
V
93,16
S 589.13
624.29
Questions? Visit wwwDis?over.cam or
call 1.800-DISCOVER (f -800 3.47-2683).
DISCOVER
It pays so PATRICIA MEIXNER
i °ISC Account number ending in 9400
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Csnrestt Billing Period 31 days
TYPE OF BALANCE ANNU(APR)ERCENTAGE 18At ACT RSUUB ECT TO INTEREST CHARGE
RATE Purchases 13.24% V $2,596.90 $29.18
Cash Advances 23.99% V $3,140.31 $63.98
V . Variable Rde
Information for You
* * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future
payments should be mode immediately.
Addiliand Important Information
See your C Avom6r Agreement. Your Cardmember Agreement contains all the forms of your Account.
Lost or siolen cards, Report immediatelyl Call 1-804.387-2683.
What To Da N You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421 Salt Lake City, UT SA130AA21
In your letter, give us the following information:
Account information: Your name and account number
Dollar amount. The dollar amount of the suspected error
• Descrfiron otion of Problem: If you think there is an error an your bill, describe what you believe is wrong and why you believe
ti its a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in wrBi . You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay t -amount in question.
While we investigate whether or not there has been an error, the following are flue:
We cannot try to tolled the amount in question, or report you as delinquent on that amount,
The charge in qquestion ma remain an your statement, and we may continue to charge you interest on that amount. But, if
we determine Nat we may
a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
• While you do not have to pay 1116 amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your RiaAto if You Are Dissatisfied Whh Your 4'=edit Card Purchases
If you are dissatisfied with the goods or services Ihat you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may hove the right not fo pay the remaining amount
due on the purchase.
To use This right, all of the following must be true!
1 The purchase must have been made In your home state or within 100 miles of your current mailing address, and
the purchase price most have been more than $50. (Note: Neither of these are necessory if you purchase was
{cased on an advertisement we mailad to you or if we own" company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit cord accourd do not quail fy.
3. You must not yet have fully pc ld for the purchase,
if all of the criteria above are met and you are still dissafisfied with the purchase, contact us In riffn al:
Discover, PO Box 30945, Salt Lake City, UT 84130.0945
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
investigation, we WIN tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. You may fay all or port of your Account balance at any lima. However, you mud pay at least the Minimum
Payment Due by the Paymenl No Dale. Send only your payment and the lop portion of this statement in the envelope
Do not send cash. 8y sending your check as described above, you authorize us to use information on your croak
to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the
C meril gs a check transacBon. If payment Is processed as an electronic fund transfer, the transfer will be for the amount of
chock. When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the some day we receive your payment, and you will not receive your check back from your financial
Institution.
The pocessing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you
send trhe payment to any other address or if you use an envelope other than the one provided. Payments received in
proper
form al our processing facility b?5PM local lime on any dayy will be credited to your Account as of that day. Payments
received at our processing fact after 5PM local time will be credited to your Account as of the next day. if you have
misplaced your envolope send your payment to Discover, PO Box 6103 Carol Stream, IL 60 1 97-6 1 0 3. Please allow 7.10
days for delivery. If your?payment is retumed unpaid, we reserve the right to resubmit it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC* GR
You can y monthly Minimum Paym
aver the or you can setup outom
1-804347- 663. Automatic payments w
date (a.. the 15th daayy of the month) that
weekend or bank holiday, your payment v
to schedule monthly payments b I I horn
asked to provide the . four 14 digits of I
your electronic signature, you wit be to
giAlwrize, in the amount selected byy you,
your bank account, as aappppliealsle, fo eorre
payment by phone at 1.800.347.2683 or
rnustreceive notice at Iona three business
we will tell you on each monthlyy billing sto
that sufficient funds are available in your k
you can sal automatic payments For Ii) sic
Payment Due plea a fixed dollar amount, c
the Minimum Payment Due as listed on yoi
increased to cover lire Minimum Payment I
eXcess WIN be applied in accordance with
Balance on your biling statement, that pal
Eoyment amount maybe less than the amc
Closing Data.
if you scroll by phone in our automatic pa
for your records.
Amount: ? Full Pay ? Min Pay
Bank Routing #:
Credit Reporting. We may report informal
other defauls on your Account may he ref
your Account to credit reporting agencies
us at the following address: Discover. PO
home telephone number and Account num
Pa)n lrrterest: We berain to impose inter
dally balance. We con inrre to impose ins
interest on Purchases as described below,
Advances.
If you paid the New balance on your pre
wt not impose interest charges on new F
current bMng slalement. New Purchases
It you do not pay your Now =once in n
you may not gat o grace period on new I
How We Calculate interest Charges Dai
each biling period by first figuring the c
standard Purchases, standard Cash Z.
Haw We Figure the Daily Balance for Ear
We start with the beginning bolas
your balance on the fast day of y
We add any interest charges acc
add any new transoclions or fees
which the transaction or fee poste
We subtract any new credits and
We nicks other adjustments (inch
How We Figure Your Total Interest Charg
We multiply the daily balance for
the billing parlod. This gives us d
we divide tho APR that applies to
We add up all the daily interest c
Hew We Include Fees
We add Balance Transfer Fees to the opf
facts to the applicable Cash Advance Tra
Transaction Category.
Balance Subject to Interest Rate. Your sk
transaction category. The Balance Subje
pet iod.
Credit Balances. If your Account has a a
A credit balance is money that is owed tc
open. We will send you a refund of any
required by applicable law.
For TDD Velecommunications Device for'.
DUDA44nonitor and/or record fele
purposes.
The Discovermcard is issued by Discover
it Due, or a greater amount that does not exceed your current Account balance,
is payments through a customer service representative by colling
be deducted on the Payment Due Date unless you request a recurring payment
curs before your Payment Due Dale, If your scheduled payment date Falls on a
be processed the business day prior to Iha weekend or bank holiday. In order
you will need this statement and your book account information. You will be
;social security number of the primary borrower. By providing those numbers as
rig to this authorization to allow us and yyoour bank fo deduct each payment you
rn your bank account. You also outharrze us to initiate debit or credit entries to
on error In the processing of such payment. You can cancel a scheduled
y mail at Discover, PO Box 30421 Sah Lake City, UT 84130A421 however we
ys in advance of the scheduled payment. If your payments may vary in amount,
Went when your p.. menl will be made and how much it will be. You must ensure
rk account, and all transactions must comply with U.S. law.
ment New Balance, (it) statement Minimum Payment Due, (iii) statement Minimum
tv) a fixed dollar amount. IF your scheduled Fixed payment is not enough to cover
monthly baling statement, your scheduled payment for that month will lea
le. IF the scheduled payment is greater than the Minimum Payment Due, any
wr Cardmember Agreement. IF your scheduled payment is greater than the New
ant will be processed on for the amount of your New Balance. Your oulomalic
at indicated on the periodic statemerd based an credits or payments after the
it set-vice, please Fill-in the followin0 blanks below and retain the outhorization
? Min Pay + $-E] Fixed Pay$ ,
Bank Account #: , Frequency:-.
)bout your Account to credit bureaus. Life oyments, missed payments, or
in your credit re art. We normally reporf the status and payment histoty of
mo)))ts. If u believe that our report is inaccurate or incomplete, please write
15316, Wtlminglon, DE 19850.5316. Please indicate your name, address,
charges on a transaction, fee or interest charge from the day we add it to the
t charges until you pay the total amount you owe us. You can avoid guying
)waver, you cannot avoid paying interest on Balance Transfers or Cash
rg stdertient by tho Payment Due Date shown on that billing statement, we
or any portion or a new Purchoee, paid by the Payment Due Date on your
lases Thal first appear on the current billing statement,
depending on the balance to which we apply your payment,
Balance Method (including current fansoctions): We calculate intorast charges
ly balance" for each Transaction Category. Transaction Cafe?ories include
:es and different promotional balances, such as Balance Trans err.
Transaction Category
e for each clay. The beginning balance for the first day of the billing period is
r previous billing period
ad on Iha previous day's daily balance and any now transactions and fees. We
s of the later of the Transaction Dale or the first day of the billing period in
to your Account.
ing those adjusiments required in the "Paying Interest" section).
ach Transaction Cdagory by its daily periodic rate. We do this for each day in
interest charges for each Transaction Category, To get a daily periodic rate,
e Transaction Category by 365.
irges. The surn is the total interest charge for the billing period.
-able Balance Transfer Transaction Category. We add Cash Advance
action Category. We add all other fees to Iha standard Purchase
ment shows a Balance Subject to Interest Rate. It shows this for each
to Interest Rate is the average of the doily balances during the billing
dit balance, the amount is shown on the front of your billing statement,
you. You may make charges against this amount if your Account is
emaininsn balance of $1.00 or more after 6 monlhs, or as otherwise
Deaf) assistance, please call 1-800-347.7449.
calls between you and Discover representatives for quality assurance
Member FDIC R2NFEOOI
Quesfions? Visit wwwDisc w.com or DISCOVER
call 1.800-DISCOVER (1-800-3 7-2683).
DISCOVER
New Balance Minimum Payment Due
55,949.69 C$682.00
Payment Due Dale
Octeber 20, 2011
02 SDSN6A01 0005059
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
Please make chack payable to Discover Card.
You. are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$699.89.
Text APP to DISGOV' to reaewe a Ilnk to our
free mobile app and pay your bill In seconds
from anywherel
PO BOX 71084 IIIIIIII,IIIIIrnsllltlltill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? 1II111111111J111Hn11111111111lillIIII IIlltlllulllllllllltl1
Go to www.Discover.com or print change in space above.
0000019864582144?3213059998900000000068200
Date: September 3, 2011 - Closing date: Ch
giscover More Card Account Summary
Account number ending in 9400
Previous Balance $5,872.25
Paymords And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 35.00
Interest Charged + 92.64
New ?e a .? 55,999,89
See Interest Charge Calculation section following
transactions for decoded APR Information
Credit tine $5,300.00
Credit Lind Available $0.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit tine Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Cashback Bonuse Anniversory Month
February
Opening Cash6ack Bonus Balance $ 0.00
New Cashbock Bonus This Period + 0.00
Cos66ack Bonus Balance $ 0.00
Y. leorn more, log in w wwwMiecover.com
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discover,cam • Access free online tools like Paydown Planner to create a plan
2. Call 1.800-DISCOVER (1-800-347-2683)
s
bl
d
il
Di
Pl
h to
E down your balance, securely access statements, pay
d
cor
ava
a
e
ease
ave your
scover easily frock all transactions
bills online an
W
3. Write to us at Discover PO Box 30943,
Salt Lake City, UT 841 r30 Not a payment address)
Make your morrey worth moresm-find easy ways to earn
For payments, please send to address on remittance or and redeem cash towards
Discover PO Box 6103, Carol Stream, IL 60 1 97-6 1 0 3 • NEWT Access your account securely through your
For TDD (Telecommunications Device for the Deaf) mobile phone
assistance, please call 1-800.347-7449•
ransactions
Trans. Post
Date Date
Fees Sep 28 Sep 28 LATE FEE $ 35,00
TOTAL FEES FOR THIS PERIOD 35.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 29.49
INTEREST CHARGE ON CASH ADVANCES 63.15
INTEREST CHARGE ON BAIANCE TRANSFERS 0.00
?PCI A, AV I I r. v.
Payment Information
New Balance $5,999.09
Minimum Payment Due' $682.00
Payment Due Date October 28, 2011
'Includes past due amount of $534.00
Left Payment Warning: if we do not receive your minimum
payment by the date listed above, you may hays to pay a lace
fee of up to $35.00 and your purchase and balance transfer
APRs for now transactions may be increased up to the Penalty
APR of 18.24% variable.
Minimum Payment Waming: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example: R AN
Only the minimum 21 years $20,529
payment
If you would like information about credit counseling services,
call 1.80063471121
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
I
Paperless state
Easily access up to 24 me
- See your statement as
- Get helpful payment r
- Print a paper copy of
- Sign up today al Disci
•02010 MK.w a -k. AA-6., FDIC
tnts mean less clutter, more convenience
of downloadable, password protected statements.
as it's available rather than wait for it to arrive in your mailbox.
tiers through e-mail or text messages on your mobile phone.
statement anytime.
Transactions
Trans. Post
{cont.} Date Da to
Inwast Charged
2011 Totals Year-to-Date
9578334
TOTAL INTEREST FOR THIS PERIOD
TOTAL FEES CHARGED IN 2011
TOTAL INTEREST CHARGED IN 2011
Questions? Visit www.Di ver.coan or
calf 1.800-DISCOVER (1.800 47-2683).
PAM. 0310
01
O
Z
g
0
0
0
S 92.64
m
$ 624.13
716.43
DISCOVER
DISCOVER
1 ^-N pays to APATRICIA ccount number ending in 9400
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APRI Is the annual interest rote on your account.
Current Billing Period: 30 days
TYPE OF BALANCE
Purchases
Cash Advances
V = Variable Role
ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE
RATE (APR) INTEREST RATE
13.24% V $2,713.02 $29-49
23.99% V $3,203.87 $63.15
Information For You
We are pleased to inform you that, effective 11/06/11 we will no longer charge a Foreign Currency Fee on any
international purchases made with your Discover(R) Card. Additionally, we will no longer charge a Research Fee for any
copies of billing statements or receipts that you request.
* * * ATTENTION * * * Your account is seriously past due. Payment of The amount due and arrangements for future
payments should be made immediately.
Additional Important kdormation
See your Cordmember Agreement, Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cords. Report Immediately! Cap 1-800-347.2683.
What To Do If You Think You Find A MOoke On Your SNaternent
If you think there is an error on your statement, write to us of: Discover. PO Box 30421, Solt Lake City, UT 84 1 30-042 1
In your Inner. give us the following information:
Account information: Your name and account number
Dolor amount: The dollar amount of the suspected error
Desc=rim of Problem: If you think there is on error on your bill, describe what you believe is wrong and why you believe
it Is ;e.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writtn . You may call us, but if you do we are not required to investigate any
potential errors and you may have to poy the amount in question.
While we investigate whether or not there has been an error, the following are true:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in guesfion may ronoin on your statement, and we may continue to charge you interest an that amount. But, if
we determine that we made a mistake, you will not have to pay the amount in question or any Interest or other fees related
to that amount.
While you do not have to y the amount In question, you are responsible for the remainder of your balance.
We can apply any unpaldamount against your credit limit.
Your Rights if You Are DissatNsf7ed With Your Credit Card purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50, (Note: Neither of these are necessary if your purchase was
hosed on an advertisement we mailed to u or if we own the company that sold you Ore goods or services.)
2- You must have used your credit card Far iha purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing al:
Discover, PO Box 30945, Salt Lake City, UT 84130-0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish'our
investigation, we will tell you our decision. At that point, d we think you owe an amount and you do not pay we
may report you as delinquent.
PayareNs You may all or part of your Account balance at any lime. However, you must pay at food the Minimum
Payment Due by the I aymenf Na Dale, Send only your payment and the top portion of this statement in the envelope
?d Do rat send cash. By sending your check as described above, you authorize us to use information on your check
of make an electronic Fund transfer From your account at the financial institution indicated on your check or to process the
ea as a dvock transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of
e check. When we use information from your check to make an electronic fund transfer funds may be withdrawn from your
account as soon as the some day we receive your payment, and you will not receive your check back from your financial
institution.
The processing of your payment may be delayed if you send cash, correspondence or olfwr items with your payment, if you
son !r hi a paymw?t fo anyy other address or if you use an envelope other than the ono provided. Payments reserved in proper
form at our processing tacitly by 5PM Iceal hme on any dayy wiR be credited ro your Account o: aF than day. Payment:
received at our processing Focii after 5PM local limo wall be credited to your Account as of Iho next day. If you hove
mlaplated- your envelope, send your payment to Discover, PO Box 6103 Carol Stream, lL 60197.6103. Please allow 7-10
days for delivery. IF your payment is returned unpaid, we reserve the rig?if to resubmit it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
You c ur monthly Minimum Paym
over tha le ne or you can setup Won
1-800-347-2683. Automatic payments w
data tog . the 15th day of the month} the
weekor bank holiday, your payment v
to schedule monthly payments b 1O6 bon
asked to provide the last Four (4 digets of 1
your eledronic signature you will be ogre
authorize, in the amount salected by you,
your bank account, as applicable, to torte
payment by phone at 1-800.347.2683 or
must receive notice as leas) three business
we wig tell you on each month)Y billing sic
that sufficient funds are ovailabla in your b
You can set automatic payments for (i} aft
Payment Due plus a fixed dollar amount, c
the Minimum aymerd Due as fisted on yoi
increased to cover the Minimum Payment I
excess will be applied in accordance with
Balance on your billing statement, that pa)
F amount maybe less than the omc
Closing Dale.
if you enroll by phone in our automatic pa
For your records.
Amount: ? Full Pay ? Min Pay
Bonk Routing #:_
Credit Reporting. We may report informal
other "outs on your Account may be rof
your Account to credit reporting agencies
us at the following address: Discover. PO
home telephone number and Account num
Peyaig In?terest. We beeggin to impose intar
daily bdance. We cornfuere to impose inf
interest on Purchases as described below.
Advances.
A Due, or a grader amount that does not exceed your current Account balance,
is poyments through a customer service representative by calling
be deducted on the Payment Due Date unless you request a recurring po ant
curs before your Payment Due Date. IF your scheduled payment dote falls on a
be processed the business day prior to the weekend or bank holiday. In order
you will need this statement andyour bank account information. You will be
r social security number of the primary borrower. By providing those numbers as
rg to this authorization to allow us and your bank to deduct each payment you
m your bank account. You also authorize us to initide debit or credit entries to
an error in the processing of such payment. You can cancel a scheduled
mail at Discover, PO Box 30421 Solt Lake City, UT 84 1 30-042 1 however we
ys in advance of the scheduled payment. if your payments may vary in amount,
Went when your payment will be made and how much it will be. You must ensure
uk account, and all transactions must comply with U.S. law.
ment Now Balance, (t t) statement Minimum Payment Due, (iii) statement Minimum
Div) a fixed dollar amount. If your scheduled fixed payment is not enouggh to cover
monthly billing statement, your scheduled payment for Thot month will Ge
is. If the scheduled payment is ggraader than Ilia Minimum Payment Due, any
wr Cordmember Agreement. IFyour scheduled payment is greater than the Now
ent will be processed only for the amount of your New Balance. Your automatic
rd indicated on the periodic statement based on credits or payments after the
it service, please fill-in the following blanks below and retain the authorization
? Min Pay + $ ? Fixed Pay$.,,__? A,
Bank Account #:_ , Frequency.
about your Account to credit bureaus. Late payments, missed Payments, or
d In your credit report. We normally report the status and payment history of
month. If you believe that our report is inaccurate or incorn*le, please write
15316, Wilmington, DE 198 50-5 3 16. Please indicate your name, address,
on a transaction fee or interest charge from the day we add it to the
as until you pay tie total amount you owe us. You can ovoid poying
you cannot avoid paying interest on Balance Transfers or Cash
11 yyou'u' d 1 h Now a ante on your pre u . 15 1 ing statement by the Payment Due Dale shown on that billing statement, we
will not im sa interest charges on new Pur •hasess or anyy portion of a new Purchase, paid by the Payment Due Date on your
current bit ring statement, New Purchases a 's PUrgse5 ihal first appear on the current billing statement.
How We Apply Payments M Impact You Grace Period
yolj u-u do not pay your ew Balance in Pull eacifi mon , ten, depending on the balance to which we apply your payment,
you may not get a grace period on new Pu chases.
nce Method ('including current transactions): We calculate interest charges
ila
How We Callao" interest Charges Daily Be
each billing period by first figuring the "da balance" for each Transoction Category. T. Sadic.n Cdeggoorries include
standard Purchases, standard Cosh Adva s and different promotional balances, such as Balance Transfers.
How We Figure the Daily Balance for Each ransadion Category
We start with the beginning bafanc fur each day. The beginning balance for the first day of the billing period is
your balance an lha sl day of yo previous billing period
We add any interest charges acct
add any new Iransoctions at fees
which Iho transaction or fee poste
We subtract any now credits and
We make other adjustments (inclu
Haw We Figure Your Total Interest Chorg
We multiply the daily balance for
the billing Period. This gives us it
we divide the APR that applies to
We add up all the daily interest cl
How We Include Fees
We add Balance Transfer Fees to the app
Fees to the applicable Cash Advance Trot
Transaction Category.
Balance Su6pd to Interest Rate. Your sto
transaction category. The Balance Subjec
period.
Credit Balances. If your Account has a cr.
A credit balance is money that is owed to
open. We will send you a refund of any r
required by applicable law.
For T?OD (Telecommunications Device for ti
Di W4ionetor and/or record ielet
purposes.
The Discover(ocard is issued by Discover
d on the previous day's daily balance and any new transactions and fees. We
of the later of the Transaction Date or the first day of the billing period in
a your Account.
ymerds.
Ig those adjustments required to the "Paying Interest" section).
ah Transaction Category by Its daily periodic rote, We do this for each cloy in
nterest charges for each Transaction Category. To get a daily periodic role,
Transaction Category by 365.
gas. The sum is the total Interest charge for the billing period.
able Balance Transfer Transaction Colegory We add Cash Advance
ction Category. We add all other Fees to Fhe standard Purchase
ten[ shows a Balance Subject to Interest Rate. It shows this for each
r Interest Rate is the average of the daily balances during the billing
t balance, the amount is shown on the front of your billing statement.
U. You may make charges against this amount if your Account is
raining balance of $1 .00 or more after 6 months, or as otherwise
Doaf} assistance, please calf 1-800.347-7449.
tags between you and Discover representatives for quality assurance
Member FDIC
RZNFF.001
co
Questions? Visit www.Discov t
m or DISCOVER
call 1.800-DISCOVER (1.800, b83y.
DISCOVER
New Balance ` Minimum Payment Due
$6,132.69 5.00
Paymerrl Due Dale
November 28, 20 t 1
02 SDSN6Ml 0005000
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015.7670
Account Number ending in 9400
Enter Amount Enclosed Below
1
Please make check payable to INscover Card.
Minimu ymer?t due includes o posi due
amountm$' 82.00. Phone and intereet
payments must be mode by 5:00pm ET For some
day Texst APP to DISCOV' to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
PO BOX 71084 111 ... 11.11111009111111 gill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changeq (riloll irlrnlnilrnlnlrlnrllllnrlrrlulrrllnlnluloll III
Go to www.Di"oyw.com or print change in space above.
000001986458214473213061326900000000083500
Opening Date: October 3, 2011 Closing Date: November 2, 2011
D'Iscover More Card Account Summary
Account number ending in 9A00
Previous Balance $5,999.89
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 35.00
Merest Charged _ + 97.80
IVew BaFancW---'- 6,132.69
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Une $5,300.00
Credit Una Available $0.00
Cash Advance Credit line $2,700.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Cashback Bonuse Anniversary Month
February
Opening Cashback Bonus Balance $ 0.00
New Coshback Bonus This Period + 0.00
Coshbadc Bonus Balance $ 0.00
To learn mwe, login at www.Diacwnr.com
3 Easy Ways to Contact Us
1 Access your account securely at www.D!Kover.com
2. Cal 1-BOD-DISCOVER {1-800.347-2683)
Please have your Discover® card available.
3, Write to us of Discover PO Box 30943,
Sale lake City, UT 841 §0 {Not a payment addressl
For payments, pbose send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197.6103
For TDD (Tebcommunications Device for the Deal)
assistance, please call 1-800-347-7449,
Payment Information
New Balance $6,132.69
Minimum Payment Due* $835.00
Payment Due Date November 28, 2011
*Includes past due amount of $682.00
Lab Payment Warning: If we do not receive your minimum
payment by the dole listed above, you may have to pay o late
Fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 18.2A% varioble.
page 1 of 2
hUnimuns Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
?,y a ..?'irG.' x' , ? f ,ti, ' • % ;t A;. .ten... ?, . .-..
1 ?.
'fR;°81...fartr@?i1'Pn: ?` nrril:'?4
wf.!i
I Only the minimum I 21 years $20,548
payment
IF you would like InFormalion about crodit counseling services,
call 1-800.347.1121
Manage Your Account Online at wwwAiscover.com
• Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track al transactions
• Make your money worth moresm-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
rcinsac ions
Fees
Trans. Post
Deft Date
Oct 28 Ocl 28 LATE FEE
35.00
TOTAL FEES FOR THIS PERIOD 35.00
Interest Charged INTEREST CHARGE ON PURCHASES S 31.21
INTEREST CHARGE ON CASH ADVANCES 66.59
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statemil
Easily access up to 24 months
I
• See your statement as soo
• Get helpful payment remir
i • Print a paper copy of your
• Sign up today at Discover,
02010 pie«,vm &„ k M.", FDIC
Ints mean less cluffer, more convenience
of downloodable, password protected statements.
as it's available rather than wait for it to arrive in your mailbox.
tiers through e-mail or text messages on your mobile phone.
statement anytime,
Transactions
Trans. Post
(cont.) Date Date
Interest Charged
2011 Totals Year-to-Date
TOTAL MUST FOR THIS PERIOD
TOTAL FEES CHARGED IN 2011
TOTAL INTEREST CHARGED IN 2011
9578334
PAM.0310
O
Z
a
g
0
E 97.80
x
J
S 659.13
814.73
Questions? Visit www.Dis w.com or DISCOVER
call l •800-DISCOVER (1-808 47-2683). J v G
DISCOVER
L U pays to -? PATRICIA MEIXNER
i Account number ending in 9400
page 2 of 2
Interest Charge Calculation
Yaw Annual Percentage Rate (APR) is the annual interest rate on your account.
Curren Billing Period: 31 days
TYPE OF BALANCE
Purchases
Cosh Advances
V = Variable Rate
RAAN?,tALLL PERCENTAGE BA LAN SSUBJECT TO INTEREST CHARGE
13.2496 V $2,778.36 $31.21
23.99% V $3,268.70 $66.59
Infonnation For You
** * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements For future
payments should be made immediately.
Additional Imporfa* Information
See your Cardmember Agreement. Your CaMmember Agreement contains all the terms of your Account.
Lost or stolen cords. Report immedialelyl Cal T-SW347-2683.
What To Do If You Think You find A Mistake On Your Statement
IF you think them is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130DA21
in your letter, give us the following Information:
• Account information: Your name and account number
• Dollar amount The dollar omouni of the suspected error
Qescriplion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
it Is a mistake.
You must contact us within 60 days offer the error appeared on your statement.
You must noliFy us of city potentiol errors in Mwj . You may call us, but if you do we are not required to investigate any
potential errors and you may hays to pay 1 amount in question.
While we investigate whether or not there has been an error, the following are true:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
The r}•arga in qquestion ma remain on your statement, and we may continue to charge you interest on that amount. But, i f
we determine iFial we made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
responsible for the remainder of your balance.
While you do not have to pay the amount in question, are
We can apply any unpaid amount against your credit In lt.
Your Rkhtj ff]rou Are DissailisHed Wfth Your Credit Card Punrhsnes
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried
in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 mites of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advert semen) we mailed to you or if we own the company that said you Ilse goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You mutt not yet have fully paid for the purchase.
if all of the criteria above are met and you are stiff dissatisfied with the purchase, contact us in writing at:
Discover,. PO Box 30945, Salt Lake City, UT 8 4 1 30-094 5
While we investigate, the same Hales apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may repot you as delinquent.
Paymatits. You may pay all or earl of your Account balance of anytime. However, you must pay at least the Minimum
Paymant Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope
provideal. Dona send cash. 8y sending yaw check as described above, you authorize us to use information on your check
to make on electronic fund transfer from your account at the financial Institution indicated on your check or to process the
Paymenl as a check transaction. If Payment is processed as an electronic fund transfer, the transfer will be for the amount of
the check. When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment, and you wil not receive your check back from your financial
institution.
The procrg of your payment maybe delayed iF you send cash, corcaspondence or other items wltr your payment, iF you
send the payment to cry other address or if you uss an envafopa ocher than the one provided. Payments racerved m proper
farm of our processing facility by 5PM local time on any dayy wllk be credited to your Account as of that day. Payments
received d our proceuing foclllty after SPM local time will be credited to r Account as of the next day. If you have
misplaced yyoouvr envelope, sand your payment to Discover. PO Box 6103 Cord Stream, IL 60197.6103. Please albw 7 I 0
days for deT'rvery. IF your payment is roiurned unpaid, we reserve tie rlg?it to resu6mlf it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
You can pay yyoour monlfnly Minimum Payma Dve, w a greater amount that does not exceed your current Account balance,
over the teleohorre or you con setup aulom is payments through a custamer service representative by calling
1-800.347- 83. Automatic paymenls wit be deducted on the Payment Due Date unless you request a recurring payyment
date (e.g. the 15th day of the month) that urs before your Payment Due Date. If your scheduled payment dais fafls on a
weelk or bunk holiday, your payment wi be processed the business day prior to the weekend or bank holiday. In order
to schedule monthly payments Isle uhono you will need this statement and your bank account information. You will be
asked to provide Ifis last four (4?digils of II social security number of the primary borrower. By providing those numbers as
your eteclranic signature, you will be agree rig to this authorization to allow us and yaw bank to deduct each paymonl you
authorize, in the amount seleded by you, fr your bank account. You also authorize us to initiate debit or credit entries to
your bank account, as apdicable, fo corn an error in the processing of such payment. You can cancel a scheduled
payment by phone at 1 96000-.347.2683 or y mail at Discover, PO Box 30421 Salt Lake City, UT 84130,0421 however we
must receive notice at least three business d ys in advance of the scheduled payment. If your payments may vary in amount,
we will tat you on each monthly billing stat ant wham your payme rtwill be made and Now much it will be. You must ensure
that sufficient funds are available in your b k account, and all transactions must comply with U.S. law.
You can set automatic payments for- (i) slat ment New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum
Payment Due plus a fixed dollar amount, ar (Iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover
Ibe Minimum Payment Due as listed on you monthly billing, statement, your scheduled payment for that month will Be
increased to cover the Minimum Payment D . If the scheduled payment is realer than the Minimum Payment Due, any
excess will be applied in accordance with our Cordmember Agreement. IF your scheduled pa ent is greater than the New
Balance on you billiq statement, that po ant will be processed a* for the amount of your iVew Balance. Your automatic
payment amount may be less than Ike amo ni Indicated on the periodic statement based on credits or payments after the
Closing Date.
If you enroll by phone in our automatic poy ant service, please fill-in the following blanks below and retain the authorization
for your records.
Amount ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$-_?
Bank Routing 9: , Bank Account #: , Frequency:
Grodit R g. We may report informo1 tnbishma53u'10.rg oyour count to crdit bureaus Lofa pnyMonts, missed payments, or
r s on ount y be refl in youedt rert. e normally report the status and payment history of
yAccount to cedit re port ing agis hIF ou beie thal our _ art is inaccurate or incomplete, please write
uhat the fobwing address: DiscO 6, ngnDE 1 485053 1 6. Please indicate your Home, address,
amste lephone umber and counPaying test e n to se interges on tansactiofee or interest charge From the day we add it to the
daibWntiniirtt es until pay total mounyou owe us. You can ovoid payng
interest on Pucfwses as described low, ever. you cannot avoid paying interest on Balance Tronsfers or Cosh
Advances.
How to Avoid P 'n Interest on Purchases 'Grace Period"
you pate the Now Balance on your previous billing statement by the Payment Due Dale shown on that billing statement, we
will not impose interest charges on now Pu hoses?or o7 portion of a new Purchase, paid by the Payment Due Date on your
current biPng statement. New Purchases a e Purc uses ! at first appear on the current bailing statement.
How We Aadv Payments Mav Impacl You Grace Period
ff` ou do not apyyour New Balance in kill c month, t on, depending on the balance to which we apply your payment,
you may not get a grace period on new Pu chases.
How We Calculate Wariest Charges Daly Balance Allsthod (including curnrenttransactions)t We calculate interest charges
each biting period by first figuring the 'do' I y balance" for each Transaction Category. Transaction Categories include
standard Purchases, standard Cash Advan as and different promotional balances, such as Balance Transfers.
How We figure the body Balance for Each Transaction Category
we start with the be Inning bolan for each clay. The beginning balance For the first day of the billing period is
your balance on the last day of yo previous billing period
We add any interest charges assn on the previous day's daily balance and any now transactions and fees. We
add anyy Haw transactions or fees a of the later of the Transaction Date or the first day of the billing period in
which the transaction or fee posted !a your Account.
We subtract any new credits and ents.
We make other adjusiments (incl ng 1hosB adjustments required in the "Paying interest" section).
How We figure Your Total Interest (Marge
We multiply the fatly balance for ch Transaction Cotegoty by its daily periodic rate. We do this for each day in
the biting Clod. This gives us the interest charges for each Transaction Category. To get a daily periodic rate,
we divide APR that applies to I Transaction Category by 365.
We add up all the daily interest ch rges. The sum Is the total interest charge for the billing period.
How We Include Fees
We add Balance Transfer Fees to the appli able Balance Transfer Transaction Category We add Cash Advance
Fees to the applicable Cash Advance Tram action Category. We add ail other fees to the standard Purchase
Transaction Category.
Balance Subject to Interest Rate. Your staff meet shows o Balance Subject to Interest Rate. It shows this for each
transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing
period.
Credit Balances. If your Account has a cre ft balance, the amount is shown on the Front of your billing statement.
A credit balance is money that is awed to You may make char es against this amount if your Account is
open- We will send you a refund of any r maining balance of $13 or more after 6 months, or as otherwise
required by applicable law.
For TT?D?O gffrefeeommunicalions Device for th is Deaf) assistance, please call 1-800-347-7449.
1345 br4h??onifor and/or record felep one calls between you and Discover representatives for quality assurance
purposes,
The Discover"Ocard is issued by Discover nk, Member FDIC RZNF[00t
Questions? Visit www.Discovmr.com or DISCOVER
call 1.800-DISCOVFR (1.800-3d -2683).
DISCOVER
New Balance Minimum Payment Due
$6,264.35 5987.00
Payment Due Date
December 28, 2011
02 SDSN6AOt 0005061
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Account Number ending in 9400
Enter Amount Enclosed Below
Please make check payable to Discover Card.
You are ovedimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$964.35,
Text APP to DISCOV' to receive a link to our
free mobile app and pay your bill in seconds
from anywhere!
rrlrllrrtrl
PO Box 71084 1Iltrrll11111011
CHARLOTTE NC 28272-1064
Address, e-mail or telephone change? I r! IIII/ I III III H II I lot III$ N l l l l ll l l rlIII lI ll ltllll l?r l r l d ll
Go to www.Discover coin or print change in space above.
DODDD1986458214473213062643500000000098700
Opening Dale: November 3, 2011 Closing Dale: December 2, 2011
Discover More Card Account Summary
Account number ending In 9400
Previous Balance $6,132.69
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 35.00
Interest Charged + 96.66
New Balance 56,264.35
See Inlsrest Charge Calculation section Following
Iransoctions for detailed APR Information
Credit Line $5,300.00
Credit Line Available $0.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information far details.
Cashback Bonuse Anniversary Month
February
Opening Coshbock Bonus Balance $ 0.00
New Casfuback Borers This Period + 0.00
Cashbaek Bonus balance - - - $ 0.00
To team more, 6a in d www.Discovencom
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER )1.800-347-2683)
Please have your Discovers card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover PO Box 6103, Card Stream, It 601 97-6 1 03
For TDD (Telecommunications Device for the Deaf)
assistance, please cad 1-800347-7449.
page 1 of 2
Payment Information
New Balance $6,264.35
Minimum Payment Due* $987.00
Payment Due Date December 28, 2011
*Includes past due amount of $835.00
Late Payment Waning: If we do not receive your minimum
payment by the dote listed above, you may have to pay a We
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 18,24% variable.
Minimum Payment Waning: If you make only the minimum
payment each period, you will pay more In Interest and it will
take you longer to pay off your balance. For example:
°.'
,? ' r?i? ih? arts'trTtlti?;?: ?ri?, fptsll??f<
Only the minimum 21 years $20,634
payment
If you would like information about credit counseling services,
toll 1-800-347-1121
Manage Your Account Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
to ay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth more sM-Fnd easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
ransa Arms
Fees
Trans. Post
Date Date
Nov 28 Nov 28 LATE FEE
35.00
TOTAL FEES FOR THIS PERIOD 35.00
Interest Charged INTEREST CHARGE ON PURCHASES E 30.92
INTEREST CHARGE ON CASH ADVANCES 65.74
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statem
Easily access up to 24 month
• See your statement as soc
• Gel helpful payment remi
• Print a paper copy of yol
• Sign up today at Discovei
M10 Dk-tr Bonk. Member FDIC
tnts mean less clutter, more convenience
of downloado6le, password protected statements.
i as it's available rolher than wait for it to arrive in your mailbox.
hers through e-mail or text messages on your mobile phone.
statement anytime.
Transactions
Trans. Poaf
(cont.) Dab pro
Interest Charged
2011 Totals Year4o-Date
TOTAL INTEREST FOR THIS PERIOD
TOTAL FEES CHARGED IN 2011
TOTAL INTEREST CHARGED IN 2011
9578334
PAPM0310
y
O
0
0
0
0
N
$ 96.66 2°,
?C
$ 694.13
911.39
Questions? Visit www.Dis ver.com or DISCOVER
call 1-800-DISCOVER [1.800- 47.2683).
DISCOVER
PATRICIA MEIXNER
It pays to
Account number ending in 9400
L_.D1
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current BrTiing Period: 30 days
TYPE OF BALANCE
Purchases
Cash Advances
V . Variable Rate
ANNUAL PERCENTAGE IIAFANCE SUBJECT TO INTEREST CHARGE
RATE JAPR) INTEREST RATE
13.24% V $2,844.41 $30.92
23.99% V $3,334.86 $65.74
Information For You
***ATTENTION*** Your account is seriously past due. Payment of the amount due and arrangements For future
payments should be made immediately.
Additional Important hOwmatien
See your CarrLnsmber Agreement. Your CoMmember Agreement contains all the terms of your Account.
tart or stolen cards. Report immediately! Call 1-800.347.2683,
What to Do !f You Think You Find A Mb t " On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421 Sall Lake City, UT 841304421
In your War, give us the following Information:
Account information: Your name and account number
• bolter arrtM The dollar amount of the suspected error.
bescri llio?n of Problem: II you think there is an error on your bill, describe what you believe is wrong and why you believe
it is a mi.onke.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors In Wrifin . You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay t amount in question.
While we investigate whether or nai there has been an error, the following are true:
Wcannot try to coiled the amount in question, or report you as delinquent on that amount.
Tcharge in question mo remain on your statement, and we may continue to charge you interest on that amount. But, if
wide termino tfiot we made a mistake, you will not have to pay the amount in question or any interest or other Fees related
to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Rights If You Are DissatWied Whh Your Credit Carr! Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have hied
in good faith to cared the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made to your home state or within 100 miles of your current mailing address; and
the purchase price must have been more than $50. [Nate: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you ,air if we own the company that sold you the goods or services]
2. You must have used your credit card for the purchase. Purchases made with cash advances From an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet hove fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover, PO Box 30945, Scit lake City UT 84 1 3 04945
Whi6 we investigaie, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. You may ppay all or part of your Account balance at any time, However, you must pay at least the Minimum
Payment Due by the P ent Duo Dale. Sand only your payment and the top portion of this statement in IFre envelope
provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check
fo make an elechonic fund iranslar from your account at the financial institution indicated on your check or to process the
payment as a check transaction. If payment is processed as an electronic fund transfer the transfer will be for the amount of
e check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the sane day we receive your payment, and you will not receive your check back from your financial
institution.
The processing aF your payment may be delayed iF you send cash, correspondence or other items with your payment, if you
send the payment to ar+y other address or iF you use an onvelope then than the arre provided. Payments r«ewad in proper
ksrm al our processing tacitly byy 5PM local Ilme on any dom. will be credited to your Aaount as of that day. Payments
received at our procssairrg Facility after 5PM Ica{ lime witl 6e erodited to your Account as of the next day. If you have
misplaced your enrabpe, send your poyymmern to Discover, PO Sox 6103 Card Stream, (L 60197.6103. Please allow 7 10
days For delivery. IF your payment ns reivrned unpaid, we reserve the right to resubmit it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
You can pay r monthly Minimum Paym 1 Due, or a greater amount that does not exceed your currant Accoun! balance,
aver the tale or you con setup autom 'e payments through a customer service representative by calling
1-800 347- 683. Automatic payments wit be deducted on Iha Payment Due Data unless you request a recurring Pa eat
date (e. .the 15th day of the month) that urs before your Payment Due Date. ((your scheduled payment dote fails on a
weekend or bank holiday, your payment wi I be processed the business day prior to the weekend or bank holiday. In order
to schedule monthly poymenh b telepphone you will treed this statement and your bank account information. You will be
asked to provide the last four (4fdigits oft social security number of the primary borrower. By providing those numbers as
yotu electronic signdure, you will be agree rig to this authorization to allow us and your bank to deduct each payment you
authorize, in the arnourd selected by you, kr m your bank account. You also authorize us to initiate debit or credit entries to
your bank account, as (cable, o tort an error in the processing of such payment. You can cancel a scheduled
Opp,
payment by phone at 1-860 347-2683 or y mail at Discover, PO Box 30.421 Sall Lake City, UT 84130-0421 however we
mum receive notice at least three business d in advance of the scheduled payment. If your payments may vary in amount,
we will fell you on each monthlyy billing slot aril when your payment will be made and how much it will be. You must ensure
Orat sufficient Funds are avoiloble in your b k account, and all IronsacEfons most comply with U.S. taw.
You can sal automatic payments for- (i) stat mant New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum
Payment Due pks a fixed dollar amount, or rv) a fixed dollar amount. IF your scheduled fixed payment is not enough to covet
the Minimum Pcryrnent Due as listed on you monthly billing statement, your scheduled payment for that month will be
increased to cover the Minimum Payment IF the scheduled payment is realer Ifrcn the Minimum Payment 0m, any
excess will be led in accordance with r will morn Agreement. tf your scheduled payment is greater than the New
Balance on your Ihng statement, that pay ant will be ocessed on for the amount of your New Balance. Yaw automatic
payment amount maybe less than the am nt indicated on the periodic statement based on credits or payments after the
Closing to.
If you enroll by phone in our automatic pa eat service, please fill-in the following blanks below and retain the authorization
for your records.
Amount: ? Full Pay ? Min Pay ? Min Pay + $__. ? Fixed Pays
Bank Roufing #: , Bank Account #:? Frequency
Credit Reporting. We may report inforrora on about your Account to credit bureaus. Late payments, missed payments, or
other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of
yourr Account to credrl reporting agencies ch month. IF you believe that our report is inaccurate or incomplete, please write
113 at The fallowing address: Discover, PO x 15316, Wilmington, DE 1 98505 3 1 6. Please indicate your name, address,
home telephone number and Account nun .
F ngg h?twast: We begin to impose inter st charges on a transaction, fee or interest charge From the day we add it to the
doily droce. We continue to impose int esi charges until you pay the total amount you owe us. You can avoid Paying
interest on Purchases as described below. 4owever. you cannot avoid paying interest on Balance Transfers or Cosh
Advances.
?yo?u? poi a ew ante on your previ s bliling statement by the Payment Due Date shown on that billing statement, we
will not impose interest charges on new Put haws or anyy portion of a new Purchase, paid by the Payment Due Date on your
current biting stalamenl. New Purchases a Purc}lasss IEral Eursl appear on the current billing statement.
How We Ano1v Payments Ma 1m act You Grace Period
o ace 1n fun c month, then , depending on the balance to which we apply your payment,
you o n pay yaw Now 66-
you may not get a grace period on new P chases.
How We Calculate Interest Charges Deify Balance Method (including current transactions): We calculate interest charges
each billing period by first liguring the °dn balance" for each Transaction Category. Transaction C.atega ios include
standard Purchases, standard Cash Adva s and different promotional balances, such as Bolanca Transfers.
How We Figure the Daly Balance for Each Transaction Category
We start with the beginning bola for oath day. The beginning balance for the flu day of the billing period is
your balance on the st day of ya r previous billing period
We add any interest charges accr on the previous day's daily balance and any new transactions and fees. We
add any new transactions or fees of the [afar of the Transaction Date or the first day of the billing period in
which the Iransad ion or fee posted to your Account.
We subtract any new credits and ants.
We make other adjustments (tnclu ing those adjustments required in the "Paying Interest" section).
How We Figure Your Total Interest Charge
We multiply the daily balance far ch Transaction Category by its daily periodic race. We do this for each day in
tha bill)rr? period, Thls gives us th interest charges for each Transaction Category. To get a daily periodic rate,
we divide the APR that applies tot Transaction Category by 365.
We add up all the daily interest ch rges. The sum is the total interest charge for the billing period.
How We Include Fees
We add Balance Transfer Fees to the app[ able Balance Transfer Transaction Category. We add Cash Advance
fees to the applicable Cash Advance Tran action Category. We add all other fees to the standard Purchase
Transaction Category.
Balance Suls(ect to Interest Rate. Your scat anent shows a Balance Subject to interest Rate. It shows this for each
transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing
period.
Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing slatomew.
A credit balance is money that is owed to ou. You may make charges against this amount if your Account is
open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise
required by applicable law.
For TDqO ((Telecommunications Device For it a Aeaf) assistance, please call 1-800.347-7449.
DSrc?deMAonitor and/or record Wet: -ione calls between you and Discover representatives For quality assurance
purposes.
The Discoverocard is issued by Discover ank, Member FDIC RZNFEnat
Questions? Visit wwwMisca .cam or DISCOVER
call 1.800-DISCOVER (1-800-34 -2683).
E New Balance [;$?11,74.00 nimum Payment Due Account Number ending in 9400
DISCOVER $0.00 2Enter Amount Enclosed Below
Payment Due Date
February 26, 2012
31 SDSNGAD1 0D05062
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Text APP to DISCOW to receive a Ink to our
free mottle app and pay your bill In seconds
from anywheret
PO BOX 6103 lllnrllurrrllrrrrllrllul
CAROL STREAM IL 60197-•6103
Address, e-mail or telephone changel
iiuiirnrrri??r?uinriafEuuriiiiuuriirllrnnilrrluii
Go to www,Discavw.com or print change in space above. r
000001986458214473213000000000000000127400
Opening Date: January 3, 2012 - Closing Date: January 31, 2012
Discover More Card Account Summary
Account number ending in 9,100
Previous Balance $6,401.36
Paymerds And Credits 6,401.36
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest
'- - + 0.00
--- -
New Balance D.OD
Interest Charge Calculation section following
iacfions for detailed APR information
Credit Line $5,300.00
Credit Line Available $0.00
Cash Advance Credit Line $2,700.00
Cash Advance Credit Line Available $0.00
Cashback Bonus" Anniversary Month
February
Opening Cashbock Bonus Balance $ 0,00
New Cas66xk Bonus This Period + 0.00
%.asfibaek Bonus Bulame $ 0100
To Isom m e, leg in a: www.01tcover.com
page I of 2
Payment Information
New Balance $0.00
Minimum Payment Due $1,274.00
Payment Due Date February 26, 2012
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
Fee of up to $35.00 and your purchase and balance transfer
APRs for now transactions may be increased up to the Penalty
APR of 18.24% variable.
Manage Your Account Online at www.Diiscover.com
• Securely access statements and free online lools, pay hies
online and track and view all transactions simply and easily
• Make your money worth more$M-find easy ways to earn
and redeem cash rewards
• NEW Access your account securely through your
mobile phone
3 Easy ways to Contact Us
1 Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER 11.800-347-26831
Please have your Discovers card available.
3. Write to us at Discover PO Box 30943,
Sall Lake City, UT 841 k (Not a payment address)
For payments, ease send to address on romillance or
Discover, PO Box 6103, Carol Stream, IL 60197.6103
For TDD (Telecommunications Device for the Deal)
assistance, please call 1-800-347-7449.
Transactions
Trans. Post
Date We
Payments and creaks Jon 31 Jan 31 INTERNAL CHARGE-OFF $ 6,401.36
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged TOTAL INTEREST FOR THIS PERIOD S 0.00
2012 Totals Year-to-Date
TOTAL FEES CHARGED IN 2012 $ 35.00
TOTAL INTEREST CHARGED IN 2012 102.01
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statem nts mean less clutter, more convenience
Easily access up to 24 months of downloodoble, password protected statements.
• See your statement as :
• Get helpful payment re
• Print a paper copy of y
• Sign up today at Disca
02010 Mc , B-ik, Memiw FDIC
us it's available rather than wait For it to arrive in your mailbox.
iers through e-mail or text massages on your mobile phone.
statement anytime.
PAPER.0310
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9578334
Questions? Visit www.Di ver.com or DISCOVER
call 1.800-DISCOVER (1.800. 47.2683}. J ?r
) co number n
DISCOVER Irpay to MEIXNER
DISCOVER' ? A Acccouunt nt number ending in 9400
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) Is the annual interest rate on your account.
Current Billing Period: 29 days
TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST C14ARGE
RATE (APR) INTEREST RATE
Purchases 13.2A% V $0 $0
Cash Advances 23.99`K V 30 $0
V - Variable Rate
Additional Important Information
See your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cads. Report immediately) Cd 1-800.347-2683.
What To Do If You Think You Find A Mistake On Your 51atement
IF you think there is an error on your statement, write to us at: Discover, PO Box 30421 Salt Lake City, UT 84 1 3 0-042 1
In your letter, give us the Following Information:
Account infomation: Your name and account number.
Dollar amount This dollar amount of the suspected error
f)escri lion of Problem: If you think there is an error on your bill, describe what you relieve is wrong and why you believe
iFts a mrs ce.
You must contact us within 60 days after the error appeared on your statement.
You must naiily us of any poienlial errors in ri?tin?. You may cad us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount In question.
While we investigate whether or not there has been an error, the following are hue:
• We rnnnoF try to collect the amount in question, or report you as delinquent on that amount.
The charge in qguestion may remain on your "emenl, and we may continue to charge you interest on that omount. But, if
we determme Ihot we mode a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Riali ft if You Are Dissatisfied With Your Credit Card Purchases
IF you are dissatisfied with the goods or servtcos that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 mites of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you or if we own the company that sold you the goods or services.)
2. You must have used your credit card For the purchase. Purchases made with cash advances From an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied wilh the purchase, contact us In writing al:
Discover PO Box 30945, Safi Lake City, UT 841304945
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. Al that point, Owe think you owe an amount and you do not pay we
may report you as delinquent.
Payments You may pay all or 0 0' your Axaunf balance at any lime. However, you must pay of least the Minimum
Paymed Due by Ore aP yment Due Daie. Send only your payment and the top portion of his statement in the envelope
ppro nded. Do rat send cash. By g our check as described above, you authorize us to use information on your check
1o make an ekrchonic fund hander fyaw account at the financial lnstifuHon lndlcated on your check or to process the
Ch t as a check transaction. If p men) Is processed as an electronic fund transfer the transfer will be for the amount of
check. When we rue informatian;
om yaw check to make an electronic Fund hanNr, funds may be withdrawn from your
count as soon as or same day we receive your payment, and you will nd receive your check back from your financial
in.1 ution.
The processing of yaw payment maybe delayed if you sand cash, correspondence or other items with your payment, iF you
send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper
form aF our processing facility 6 5PM local lime on any day wilt be croditad to yaw Account as of that day. Payments
received cif our processmg facll? alter SPM local time cad) be credited to your Account as of the next day, If you have
misplaced your envelope, send yaw pa meet to Discover, 1'O Box 6103 Carol Stream, IL 60197fi 103, Please allow 7-10
Z For delivery
. if your payment Is returned unpaid, we reserve the rig?rl to resubmit it as an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC VER
You can pay your monthly Minimum Paym Due, or a greater amount that does not exceed your current Account balance,
over the 1e6phone or you can setup autam c paymerds Through o customer service representative by calling
1.804347.2683. Automatic payments wil be deducted an the Payment Due Date unless you request a recurring payment
dote (e.g. the I Sth day of ilia month) that urs before your Payment Due Dale. If your scheduled payment date falls an a
weekend or bank holiday, your payment w be processed the business day prior to the weekend or bank holiday. In order
to schedule monlhly payments by tole one you will need this statement and your bank account information. You will be
asked to provide tore last lour (4 digi s of I social security number of the primary borrower. By providing those numbers as
your electronic signature, you will ?bye agree to this authorization to allow us and your bank to deduct each payment you
authorize, in the amount selected f you, fr your bank account. You also authorize us to initiate debit or credit entries to
your bank account, as a icable, o corn on error In the processing of such payment. You can cancel a scheduled
Payment by phone at 1-800.347.2683 or y mail at Discover, PO Box 30421 Salt Lake City, UT 841340421 however we
must receive notice at least three business d ys in advance of the scheduled payment. If your payments may vary in amount,
we will tell you on each monthly billing stat ent when your payment wig be made and how much it wiA be. You must ensure
that sufficient Funds are available in your bc %k account, and all transactions must comply with U.S. law.
You can set automatic payments For- (i) stall meni New Balance, (11) statement Minimum Payment Due, (iii) statement Minimum
Payment Due (plus a Fixed dollar amount, or (iv) a fixed dollar amount. IF your scheduled fixed payment is not erauggh to cover
the Minimum Payment Due as listed on you monthly billing skdanent, your scheduled payment fw that month wiA be
increased to cover the Minimum Payment Din. If the scheduled payment is greater than the Minimum Payment Due, any
excess will be applied in accordance with ? our Cardmember Agreement IF your scheduled payment is greater than the New
Balance on your bilrng statemenl, Il at p writ will bep?ocessed only For the amount oFyour New Balance. Your automatic
payment amaunt maybe less than the amot at Indicated on the periodic statement based on credits or payments after the
sing Date.
If you enroll by phone in our automatic pay ent service, please fill-in the Following blanks below and relain the oulhorization
for your retards.
Amount: ? Full Pay ? Min Pay ? Min Pay+ $ ? Fixed Fay$
Bank Routing if: Bank Account #: frequency:
Credit Reporting a may report inFomalf about your Account to credit bureaus. Lots payments, missed payments, or
other defaults an your Account may be re in your credit repent. We normally report the status and payment history of
your Account to credal reporting ogenciea a ch month, ff ou believe that our report is inaccurate or incomplete, please write
ua ur the fotlowiny address: Discover. PO x 163 WYlmington, DE 1985Q 316. Please indicate your name, address,
home.lelephona number and Account aura r.
Payingg inroresf. We in to impale inters t charges on a transaction fee or interest charge Irom the day we add it to the
dally balance. We c roue to impose inf sf charges until you pay tie total amount you owe us. You can avoid paying
interest on Purchases os described below. owever you cannot avoid paying interest on Balance Transfers or Cash
Advances.
How to Avoid Payiq Interest on Purchases Grace Period"
you par the Now Balance on your prevr " ring otement by the Payment Due Date shown on that billing statement, we
will not impose interest charges an now Purchases or any portion of a now Purchase, paid by the Payment Due Date on your
current billing statement. New Purchases a, 9 Purclrwes that first appear on the current billing statement,
How We Apply Payments May Impact You Grace Period
IT'you d-onot pay your Now Balance in lull] h month, then, depending on the balance to which we apply your payment,
you may not get a grace period on new Pu hoses.
How We Calculate Irderest Charges Dally once Mali (including current transactions): We calculate Interest charges
each billing period by first figuring the "dot balance' for each Transaction Category. Transaction Cate oriel include
standard Purchases, standard Cash Advanc and different promotional balances, such as Balance Transfers.
How We Figure the Daily Balance for Each ronsectien Category
We start with the beginning bolanc for each day. The beginning balance for the first day of the billing period is
your balonce on the last day of you previous billing period.
We add any interest charges accru an the previous day's daily balance and any new transactions and fees. We
add anyy new transactions or fees a of the later of the Transaction Date or the first day of the billing period in
which the transaction or fee posted o your Account.
We subtract any new credits and nts.
We make other adjustments (includ` g those adjustments required in the "Paying Interest" section).
How We Figure Your Total Interns, Charges
We multiply the daily balance fore ch Transaction Category by its daily periodic rate. We do this for each day in
the billing period- This gives us the merest charges for each Transaction Category. To got a daily periodic rate,
we divide the APR that applies to th Transaction Category by 366.
We add up of the daily interest ch gas. The sum is the total interest charge for the billing period.
How We Include Fees
We add Balance Transfer Fees to the appli le Balance Transfer Transaclion Category, We add Cash Advance
Fees to the applicable Cash Advance Trans clion Category, We add all other Fees to the standard Purchase
Transaction Category.
Balance Subject to Interest Rate. Your state eat shows a Balance Subject to Interest Rate. It shows this for each
transaction category. The Balance Subject Interest Rate is the average of the daily balances during the billing
per iad-
Credit Balances. If your Account has a cre it balance, the amount is shown on the frond of your billing statement.
A credit balance is money that is owed to You may make charges again:! this amount if your Account is
open. We will send you a refund of any re aining balance of $1.00 or more ahor 6 months, or as otherwise
required by applicable law.
For TDD (Telecommunications Device for the Deall assistance, please call 1-800-347-7449.
DIMW4onitor and/or record letep ne calls between you and Discover representatives For quality assurance
purposes.
The Discovermcard is issued by Discover 84 nk, Member FDIC RZNFEOOI
Quesfions? Visit www.Discover.com or ?.+?/,Ep
call 1.800-DISCOVER (1.800-34 2683). D'.c7
DISC NER $6Now Bal
A01.36Ce
08 SOSNSAOi 0002251
PATRICIA MEIXNER
14 BRIARLY DR
CARLISLE PA 17015-7670
Minimum Payment Due Account Number ending in 9400
$6,401.36 Enter Amount Enclosed Below
Payment Due Dale $ -?
DUE IMMEM7ay
Address, e-mail or telephone changef
Go to www.Discovw.com or print change In space above.
Text APP to DISCOV' to receive a link to our
free mobile app and pay your bM in seconds
from anywherel
PO BOX 6103 111111 1111111111116 1111r1111
CAROL STREAM IL 60197-6103
Ir11n11nnrr11111n1rtt1111to u1111rrrn11111nrloil nIt 11
000{11119864582], 4473213064013600000000640136
Opening Date: February 3, 2012 - posing Date: Febr
Discover More Card Account Summary
Account number ending in 9400
Previous Balance $6,401.36
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Charged + 0.00
New 8aTrn a ,401.94
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $5,300.00
Cr6dN Mid Available $0.00
Cash Advance Credit Line $0.00
Cosh Advance Credit Line Available $0.00
Cas c Bonuse Anniversary Month
February
Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cadrback Bonus Balance _ $ 0.00
To 6wn most kg in at www Discover com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.com
2. Cap 1-804DISCOVER {1-800.347-26831
Please have your DiseoverO card available.
3. Write to us al Discover, PO Box 30943,
Salt Lake Cry, LIT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Carol Stream, IL 60197-6103
For TDD (Teleuommnmications Device for the Deaf)
assistance, please call 1.804347-7449.
ry 8, 2012 page 1 of 2
Payment Information
New Balance $6,401.36
Minimum Payment Due* $6,401.36
Payment Due Date DUE IMMEDIATELY
*Includw past due amount of $1,403.00
Lab Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a kite
fee of up to $35,00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 18.24% variable.
Minimum Payment Warning; If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
t
Only the minimum 8 years $6,401
payment
11 you would like information about credit counseling services,
call 1-800-347.1121
Manage Your Acootmt Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
to y down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth more SM-find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
Transactions Trans. Post
9578334 Date Date
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
hive st Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00
2012 Totals Yearto-Date
TOTAL FEES CHARGED IN 2012 $ 35.00
TOTAL INTEREST CHARGED IN 2012 102.01
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC&VER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloodable, password protected statements.
• See your statement as soon as it's available rather than wait for it to arrive in your mailbox-
Gel helpful payment reminders through e-mail or text messages an your mobile phone.
• Print a paper copy of your statement anytime.
• Sign up today at Discovercom/paperless
02010 Diro.er Bard, Member FDIC RAFER.0310
N
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0
0
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9578334
Questions? Visit www.Discover.com or DISCOVER
call 1-800-DISCOVER (t .800-347-2683).
pays 10 PATRICIA MEIXNER
DISC' VER tDISCOVER Account number ending in 9400
page 2 of 2
interest Charge Calculation
Your Annual Parcerdage Rate (APR) is the annual interest rote on your account.
Current Billing Period: 6 days
TYPE OF BALANCE ANNUAL PERCENTAGE IERSUUB ECT TO INTEREST CHARGE
RATE JAP14
Purchases 13.24% V $0 so
Costs Advances 23.99% V $0 =0
V v Variable Rate
Add'&.al Important Inforrrration
See your Cardmomber Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cords. Report immediatelyl Call 1$00.347-2683.
What To Do if You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sall take City, UT 8 4 1 30042 1
In your letter. give us the following information:
Account information: Your name and account number.
Dollar amour The dollar amount of the suspected error.
Descri n d Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
You must contact us within 60 days offer the error appeared on your statement.
You must notify us of any potential errors 10 writing. You may call us, but if you do w are not required to irwastigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been on orror, the Following are true:
We cannot try to caNecF the amount in question, or reportyou as deltnquerd on that amount.
• The charge in question may remain on your statement, and we may continue to charge you internal on the amount. But, if
we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
• While you do not have to ay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your 8fahft N You Are WssaNaRed WINS Your Cm&t Card FV--hoses
If you are dissattshad with the ggooods or services that you have purchased with your credit card, and you have tried
in good faith to correct the prc;blem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be truo:
I The purchase must have been made in your home slate or within 100 miles of your current mailing oddness, and
the purchase price must have been more than $50. (tide: Neither of these are necessary if your purchase was
hosed on an advertisement w rnalled to you , or if we own the comparry that sold you the goods or services.}
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet have Wily paid for the purchase.
If oil of the criteria above are met and you are still dissatisfied with the purchase, contact us in wrilina ol:
Discover, PO Box 30945, Sall Lake City, UT 84130.0945
While we investigale, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we Y44 loll you our decision. At that point, if we think you owe an amount and you do not pay we
may port you delinquent,
Payments. You maypay all or part of your Account balance at any time. However, you must pay of least the Minimum
Payment Due by the Payment We Date. Send only your payment and the !op portion of this statement in the envelope
provided. tb nil send cash. ggyy sending your check as described above, you aurhoriu us to use information on your check
M make an electronic Wad fransTer kom yaw account at the financial inslifution indicated on your check or to process the
payment as a check transaction. If pa ant Es processed as an electronic Wnd ironster the Transfer will be for the amount of
the cfseck. When w use information Gem your check to make an electronic Wad transfer, Wads may be withdrawn from your
account as soon as Yro same day we receive your paymanl, and you will rat receive your cheek back tram your financial
Institution.
The proceuing of .payment may be delayed if you send cash, correspondence or other items with your payment, if you
sand the paymerd io arty other addross or if you use an emrobpe other than the one provided. Payments received to proper
form at our processing facility by 5PM local time on any day will be credited to your Account as of cat day. Payments
received at our processing facihiy after 5PM local time will credited to your Account as of the next day. If you home,
misplaced your envelope, send your payment to Discover, PO Box 6103 Card Stream, It 60197.6103. Please allow 7.10
days for delivery. If your payment Is returned unpaid, we reserve the 1-19411 to resubmit Has an electronic debit.
9578334
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS VEIL
You can pay mordhly Minimum Payment Due, or a greater amount that does not exceed your current Account balance,
automatic payments through a customer service representative by calling
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1.800-347- 683. Ardanatic payments will be deducted on His Payment Due Data unless you request a recumng payment
date (e. . the 15th ay of the month) that occurs before your Payment Due Date. If your scheduled payment dais falls an a
to order
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to schedule monthly payments b It hone, you will need this statement and your bank account information. You will be
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your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each p ant you
autlwrize,'n the amount selected by you, from your bank account. You also authorize us to initiato debff or cr rl entries fo
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your bank account, as a r<able, o correct an error in the processing of suc
payment by phone at I 347.2683 or by mail of Discover, PO Box 30421 SaB lake C'ly, UT 84130.0d21 however war
mutt receive notice at least ilrree 6usmess days in adwnce of the schadubd payment. If your payments may vary in amount,
we w'fl tell you on each monthlyy billing statement when your payment will bar made and how much it will be. You must ensure
Ih0 sull"ient funds or omtlable in your bank account, and all transactions must comply with U.S. law.
You can set automatic payments for- (i) statement New Balance, ('t) statement Minimum Payment Due, (iii) statement Minimum
Payment Due plus a fixed dollar amount, or (9v) a fixed dollar amount. If your scheduled fixed payment is not ano h to cover
ment for that month wig be
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the Minimum Payment Due as
Increased to cover the Minimum Payment Due. If the scheduled payment Is greater than the Minimum Payment Due, any
If your scheduled payrent is greater than the New
our Cordmember Agreement
lied in accordance with
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Balance on your biflrr?g dolement, that payment will be processed only for the amount of your blew Balance. Your automatic
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payment arrrourd may bar less than the amount indicated on t
Closing Data.
If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization
for your records.
Amount: ? Full Pay ? Min Pay ? Min Pay + ? Fixed Pay$
cn
Bank Routing Bank Account Frequency: in
7
Credit Repwlsng. We may report information about your Account to credit bureaus. Late payments, missed payments, or
other dofau9s on yarn Account may be reflected in your credit report. We normally report the status and payment history of
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Account to credit reporting agencies each month. If you believe t
us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, $
home tsleplans number and Account number
Paxirn?Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the
rice
We con unue to impose interest charges unfit you pay the total amount you owe us. You can avoid paying
interest on Balance Transfers or Cosh
ot avoid
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How to Avoid Pa i Interest on Purchases "Grace Period"
v pal the Now Balance on your previous billing statement by the Payment Due Dote shown on that billing statement, we
w not impose interest charges on new Purchases or any Portion of a new Purchase, paid by the Payment Due Daly on your
currerd billing statement. New Purchases are Purc}uases that first appear on the current billing statement.
How, We Apply Poymsnts Mo fm cf Your Grace Period
It yyou do not pay your ew a ante m rull each month, ten, depending on the balance to which we apply your payment,
you may not get a grace period on new Purchases.
How We Calculate Interest Charges Daily Balance Method (including current transactions): We calculate interest charges
each blfl'ng period by first fitguring tins "daily balance" for each Transoction Category . Transaction Cate ggories include
standard Purchases, standard Cash Advances and different promotional balances, such as Balance fransfers.
How We figure the Daily Balance for Each Transaction Category
We start with the beginning balance for each day. The beginning balance for the first day of the bilfing period is
your balance on the last day of your previous billing period
We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We
add any new transactions or Fees as of the later of the Transaction Date or the first day of the billing period in
which the transaction or fee posted to your Account.
We subtract any new credits and payments.
We make other adjustments (including those adjustments required in the "Paying Interest" sectionJ.
How We Figure Your Total Interest Charges
We multiply ilia daily balance for each Transaction Category by its doily periodic rate. We do this for each day in
the bill'nngg par'!ad. This gives us the interest charges for each Transaction Category. To get a daily periodic rate,
we divide the APR Ct applies to the Transaction Category by 365.
We add up aQ Ilia daily interest charges. The sum is the total interest charge for the billing period.
How We Include Foes
We odd Balance Transfer Fees to the applicable Balance Transfer Tronsadion Category. We add Cash Advance
Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase
Transaction Category.
Balance Subject to Interest Rate. Your statement shows a Balance Subject to interest Rate. It shows this for each
transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing
period,
Credit Balances. If your Account has a credit balance, The amount is shown on the front of your billing statement.
A credit balance is money that is owed to you. You may make chargges against this amount if your Account is
open. We will send you a refund of any remaining balance of $ 1.0 0 or more after 6 months, or as otherwise
required by applicable law.
For TDD (Telecommunications Device for the Deaf) assistance, please call I-SD0.347-7449.
DfsA7AU4sWitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discoverocard is issued by Discover Bank, Member FDIC RzNFEOOI
Questions? Visit www.Discover.com or DISCOVER
call 1.800-DISCOVER (1.800-347.2683).
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DISCOVER'
YOUR DISCOVER' ACCOUNT
CARDMEMBER AGREEMENT ................ Pages 1-14
The terms and conditions of your Account. Induding
how we calculate interest Charges, our fees and an
Arbitration of Disputes section. You have the right to
reject the arbitration provhlon with respect to your
newAccount within 30 days after receiving your Card,
as explained in the "Right to Reject Arbitration"
section at page 13.
BILLING RIGHTS .......... ................Pages14-16
Important Information about your fights and our
responsibilities underthe Fair Credit Billing Act.
DESCRIPTION OF COVERAGE ............... Pages 16-24
The terms and conditions of the 5cheduled Air Travel
Accident Insurance and the Secondary Rental Car
Coll Islon Coverage that is provided at no charge to
you when you use your Card to purchase airline
tickets or rent an automobile.
GLOBAL TRAVELER'S HOTLINE ............... Page 24-,23
The terms and conditions of this free travel assistance
benefit.
EXHIBIT
K ? f
02011 Dlewver Bank, Member FDIC TL23AG.0211
I 11DCM0_o2e0K TL2aAGe211_D00n1ndd 1-2 1111111 9A1 AM
CARDMEMBER AGREEMENT
Please read this Agrnmert carefally before using your Discover Card
Account. It carltahns the terms and tondItIor s of your Accosmt, some of
which may have changed from earlier matedak prwAded to you. In the
event of arg sithrances, this Agreement shah control. We ect Yom
privacy. Sere the ry on on page 10 and our PAwKv Policy for
ArbJdxtf of Dispgtm section on page 11
Includes a waiver of a number of rights, ktdudiag the right to a pay trial.
The Rightto Reject Asbkrallon section on page 13 describes the procedure
you must follow If you desire to reject the Arbitration of Disputes section.
DEFINITIONS .................................................... 2
USING YOUR ACCOUNT ............................ . ............. 2
Your Acceptance of this Agreement ........ . ....... ....... . . . . ...2
Permitted Uses of Your Accow .............................. . ..2
Prohibited Uses of Your Account ........... . ...... ........ . .. . ..3
Pursheses and Cast Advances in Foreign Currencies ................3
Cash Advances . ................ . . ....... . 3
Balance TtarAfem ..............................................3
Credit Authorizations .. .. . ....... . ....... . .....................3
Authorized Users. ............................................. 3
Unauthorized Use ..... . . . . ............................ ...... . .4
Your Credit Lines ................. . ...... . .. . ..................4
CHANGES TO THIS AGREEMENT ....................................4
MAKING PAYMENTS ..............................................4
Promise to Pay ............................ . ...................4
Monthly Billing Statement . ................ . . . .. . ...............5
Monthly Payment Options ......................... . . . ..........5
AutomatlrBRpngArrangements ................... 5
How We Apply Payments ........... . ......................... . .
5
Minimum Monthly Payment ........ . . . ..... ..................6
Skip-A-PawmeM Offers .........................................6
Credit Balances.......... .....................................6
Pay-By-Phone ... . . . .................................6
INTEREST CHARGE:::::: . . .................... , ..... , 6
How We Calculate Interest Charges .... . ................. . ....... 6
Balance Subject to Interest Rate ................................ 7
Paying Interest .............................. . ..... . ... . .. . ...7
Annual Percentage Rates . ...... . ............... ................7
Variable Interest Rates ................................. . .......7
Penalty APR ..................................................6
FM sh Advance Fee............ .8
Balance Transfer Fee . ..........................................8
Foreign Currency Fee ............ . .............................9
Minimum Interest Charge ......................................9
Annual Fee ...................................................9
Late fee .....................................................9
Returned Payment Fee .........................................9
Returned Discover Card Check Fee ......... . ..................... 9
Research Fee .................................................9
DEFAULT AND CANCELLATION ......... . ............... ...........9
-t-
I 11DG 620DICTL23AGe2i1_0W 3.kidd 3•4 1111111 9:41 AM I
Types of Default
. 9
CanuqueruPS of Default . .... . . . . ............... . ............ .10
Cancellation .................................................10
PRIVACY AND OUR CONNs AICATIONS WITH YOU .................. to
Our Privacy Policy ................. .10
Reporting to Credit Agencies ................. . . . ..............10
Our Camturskatlom with You .................. . .............. to
Releasingg Information About Your Account ............ . .. . ... . .1 I
Electrouk Notices to You ......... . ...........................11
Notices-Changes to Your Information .........................11
CLAIMS AND DISPUTES ..........................................11
Merchant Disputes .......... ,11
Claim Notices ................ . ..............................11
Arbitration of ?tr ..... . . . ...............................11
Fight toR?ect adon ....................................13
LEGAL INTETt1YEETATION Cif THIS AGREEMENT .................... . ..14
Severalsfiity ..................................14
Complimm with Merest Rate Lmfiations 14
.....' ......... . .......
GovemI g Law 14
ASSIGNMENT OF ACCOUNT .... . . . ................................14
DEFUTIONS
"Account" means your Discover Card Account.
'APR' means an annual percentage rate.
"Autlarized User' means any person whom you authorize to use your
Account or a card, whether you no" us or not.
'Card" means any one or more Discover Cards Issued to you or someone
eke with youraudKdzo)mL
"Pricing Schedule' means the document accompanying your Card and
listing the APRs that apply to your Account and other important
informetio The Pricing Schedule Is part of this Agreement.
'11k' '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 do contractually liable under this
Agreement.
USING YOUR ACCOUNT
Your Aaaptance aF this Agrermerut. The use of your Account or a Card by
you or anArthMlzed I* or your failure to cancel your Account within 30
davs after e receiving a Card, means you accept this Agreement, incksdng the
Arbf of Disputes section on page 11. You rw however, reject the
ArbkratIon of sflspsRes sections as explained on page 13.
Pe reltled Uses of YourAacount. Your Account may be used for,
• Purchases - to purchase or lease goods or services from participating
merchants by presentil?ly? your Cord or Account number or by using
promotional checks, via may furnish to you, in accordance with
such additforsaf terms and conditions as we may offer from time to time.
• Cash Advances - to obtain cash advances from participating automated
teller madilnes, financial institutions or other location% the purchase of
lottery tickets, racetrack wagers, vouchers redeemable for ash or for
cadno chip; money orders, traveler4 checks, savings bands„ foreign
•2-
currency and wire transfers, or by means of dlecks which we may furnish
to YOU, all in amorde?ce with such aoldRional 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 beene 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 WWI be gable for guaranteed resiffAions
that are not canceled prior to the time specified by the establishm"t. Your
Account may be used for personal, famfly, household and charitable
purposes.
Pmblblted Uses of Your Account. Your Account may not he used to obtain
loans to purchase, carry or trade in securities, to pay awry amount you owe
under this Agreemerd 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 Advnrsss In Fw*n Currencies. If you make a purchase
or cash advarste in a foreign currency; It will be converted to U.S. dollars
udng either a government-mandated rate, a government-published rate or
the Interbank exchange rate, d ndhsg on the country and currency In
%Nch the transaction 6 made, lfals?e rate used will be the rate in effect on
the conversion date for the iransactis m, which may be different than the
Transaction Date as shown on your statement. We charge a Foreign
Currency fee fur each purchase made In a foreign currency as descr(bed in
the Foreign Currency ice suction on page d
Cash Advances. We may peri=d` ffer you promotional rates on cash
advances for the time period in the offer, subject to the Penalty
APR section. The offer may contain a Cash Advance Fee for each cash
advance.
Balance Transfers. in our discretion, ova may periodically offer you the
opportunity to make balance transfers from other creditors or to make
other traruactions to your Account by means of balance transfer coupons
or checks. The standard purchase rate applies to balance transfers.
However, we may periodically otter you promotional rates 01) balance
transfers for the time period specified in the offer, subject to the Penalty
APR section Each offer YAP contain an expiration date. 9 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 aspiration date, We may charge
a Balance Transfer Fee as indicated In the Balance Transfer Fee section,
Credit Asthodxatfosss. Certain transactions will require our authorization
prior to c3letio n. In some cases, you may be asked to provide
Identification We have the right not to althodZe a transaction for security
or other reasom Asa if our authorization system is not working, we may
not be able to authorize a transaction. We will not he liable to you If any
of these events happens.
Authorized Users. H you want to cancel the authority of a current
Authorized User to use your Account or a Card, you must notify us and
destroy arry Card In that person's possession. You can notify, us by
telephoMrg 1.808-DISCOVER (1.800.347-2683), or by writing Discover, PO
-3-
I a-e 1111/11 P 41 AM
Box 3094% Salt take City, UT 84130-0941 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
anomeA without our separate written agrearrrent (witch we are not
"Jaw to ghee.
Unauthorbred Use. Prior to Its use, each Card must be signed by the person
to whom it Is knsed.1f a Cad is lost or stolen, or ff you ticket that someone
is using your Account or a card without your permission, notify
us lmlmeuBately, You can rsotffy by telrphonfng S-eoD-DISCOVEft
(I-MM7-2663), or by writing Di ho Box 30943, Salt Lake Cst% UT
84130.9943. You agree to ask to is determining the facts releting to any
theft or passible unauthorised use of your Account or a Card and to coan*
whin such procedures as we may require In connection with our
investigation.
Your Credit tines. we A advise you of your Account credit line. we may
Impose a lower line that VA apply to cash advances, referred to as the cash
advam credit fuse. MN may oleo impose a law line that will apply to
balance ttansiess, referred to as the balance transfer credt One. You agree
not to allow your unpaid balance, including interest Charges and fee; to
exceed your Account credit lkx. 9 you exceed your Account credit Me, we
may request Immtediete payment of the amount by which you exceed your
Account credit line.
M may increase or decrease your Account credit line, your cash advance
credit the or your balance transfer credit Ine without notice, The credit
available for your use met from these to time, be Less than your Account
credit Ane. For purposes of determining your available credit, we reserve
the right to pospoone for up to 15 business days reducing your unpaid
balances by the assourti of ay payment that we receive, Your avallehie
credit wIB not be kxreased by the amount of any credit balance,
CHANGES TO THIS AGREEMENT
From tbrr to time, we r12 tc the extent patnitted by law, change any
term a ! thk Agrennesst isrdudag, but not limited to, any Interest rate, fee
or method of computing any bdenca upon which the Interest rate Is
assoss*4 or add or deiote any tam to this Agreement We will give you
notice of the c ha ile in the time and mama required by low which
Includes 45-days advance written notice In some circumstances. In
addido n, to the exuat requhed by lout we will efferyoo the cep artunlty
to *d a chasuge Forexanple, law requires, with certain om, that
we offer you the gsporhudgr to r*d an increase In a late fee or the
elimination of a gran period prior to the effective date of the change. If
yes rote a charge in aaadaree with the Instructions in the notice
9 de4we will closeyourAccountand you will no longer be able to use
further trurt adios , You an than pay the ranakshhg balance under
the undhaaged tam tale may Am change any tam of any produce, service
or bahellt offered M cotrrection with your Account. We will motify you as
required by law or by the terms of the product, service or benefit
MAKING PAYMENTS
Promise to Pays You agree to Pa us in U.S. dollars for all purchase; cash
advances and balance transfers including applicable Interest Charges and
other charges or fee; incurred by you or anyone you authorize or permit
to use your Account or a Card, even If you do not ratify us that others are
-a-
f 11oa,xo-OZWK_tt23AGe211_oeoes.twd 7-8
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
cantrtyourpaymeMtoUS.dollars Allufrecksmust bedrawnonfunds on
deposit In the US, You may not use a cash adance check, balance transfer
check or coupon, or any other promotional check drawn on arty Discover
Bank credit cad account to make payments an your Account, If your
Account Is a joint Accotast, each of you agrees to be liable individually and
)olndy for the angle amount owed on your Account We can accept We
payments or peyme , or checks and money orders marked
payment in i or 19 any oft roarktke endorsanant without loft
any of our rights under this Agreement.
Monthly Billing Statement. We will send you a billing statement after each
monthly billing period in which you have a debit or credit balance, unless
we votive our right to do so as permitted by law. The billing statement will
show the purchase; cash advance; balance transfers, Interest Charges and
other charges or fees and the payments or other credits posted to your
Account duel the billing period hwill show your New Balance, Payment
Due pate and inknum Payment Due as of the and of the billing period ff
you prior month'; payment is returned unpaid, you required Mlnlmum
Payymmell Due me
be higher than shown on your billing statement, See the
Minimum Monthy Payment section on page 5.
Monthly Payment Options, You may at any time pay the entire New
Balance shown on you billing statement but each month you must pay at
least the Minimum Payment Due as described In the Minimum Monthly
Paymem section. All payments must be made in accordance with the terms
stated on your monthy billing statement, as well as the m cut-off
tune stated In this seet(an, and we wiA crack your Account n accordance
with ihoselermsend this section. Payments received In proper form at our
processing facility by SPM local time on any day wiA be credited as of that
day. Payments received In proper form at our processing facility after SPM
local time will be credited as of the next day.
Automatic Billing Arrangements, If yaw Account number andlor Card
expiration date changes and our retards indicate you have automatic
billing established with a merchant, we will attempt to provide your new
Accaad information to that merchant To ensure uninterrupted bliling, we
recommend that you verify the merchant has our new Account
Information. You must contact the merchant directly you do not wish to
continue the automatic billing arrangement,
How We Apply Payments, We app/ meas and credits at our discretion,
including In a manner most favorable or eonveNeM for us, In all cases, we
will apply payments and credits In accordance with applicable low. Each
blliksg period to the extent yaw payments exceed the Wrdmurn Payment
Due shown on yore current billing statement, we will apply these excess
amounts gener* In order of the APR applicable to the balance of each
transaction category (as referenced In the INTEREST CHARGES sectlon),
from highest ta lowest be#nnhg with the balance sub)edto the highest
APR as of the dale we. you payment Far promotional balances with
the same APR, we will apply payments tothe promotional balance with the
longest remaining duration before promotional balances with shorter
remaining durations.
5-
1 IMI 4:41AM
MMhkaum Monthly Payment. The Minimum Payment Due for a billing
period will equal.
Q)the9'e wof
• 2%of the New Balance shown on your billing statement for that
Wing period; or
• current Interest Changes plus late Fees pica $20;
Oq any past due amount.
We may also Include some or all the amount by which you exceed your
Amount credit IInL Mum we calculate the Minimum Payment Due, we
mayy sobtw iron the New Balance certain fees added to your Amount
duarfng the Wllktg period. The Minimum Payment Due will be rounded up
to the nearest dollar and will never exceed the New Balance.
Skip*ftymard Offers. hhie may from tlme to time allow you to not make
a Minimum Pay wd Duce and will notify you when this option Is aWable.
ti you take advantage of this offer and do not make a Minimum Payment
Due, Merest Charges and arry applicable fees will accrue on your Account
In accordance with this AAggrrea tment and you must pay the Minimum
Paymierst Due for the following billing periods.
Credit Balances. We will refund any credit balance within seven business
days from receipt of your written request 9 you do not request a refund,
we will automatioslN refund credit balances greater tint $1 that remain in
your Amount after d months.
Pay4y411hone. Vye may from time to time allow you to make payments by
atrtha Ang us over the telephone to transfer or pay funds from a deposit
account to you Account. We will not charge you a PayBy-Phone Fee.
119RERESF CHARGES
Now We Cdculete Interest Charges - Dally Belance Method (Including
current tramKdurs$ Welggue Interest Charges for each billing period. To
do this:
• {Ne calculate your interest Charges separately for each balance subject to
different terms (for example, standard purchases, standard cash advances
and each purchase, balarsce transfer and cash advance balance subject to
promotional terms). %* refer to these balances as transaction categories.
• We figure the "daily balance" for each transaction category. To get the
'dailylralance` wttakethebeginning balance for each day, add any new
trarsactims and fees and any Interest Charges accrued on the previous
days daily teknc?e. Yk m subtract any credits and payments and make
otfse adjustments Gnduding those adlustments required in the section
titled PayBhg frderest), in calculating the dally balance for the first day of
the Ming period, we masider the previous days daly balance" to have
been your balance on the last day of your previous tiling period. This
gives us the daily balance for each transaction category.
• ilia figure the Interest Charges on your Account by multiplying the daily
balance for each transaction category by its dally perlodk rate, for each
day in the billing period.
• The total Interest Charges for the Wiling period are the sum of the dally
Interest Charges for each transaction category for each day during that
billing pabd.
.6-
I -0-10
When we calculate daily balanc% we add a new transaction as of the
Transaction Date shown on your Wiling statement, unless the transaction is
posted to your Amount after the dose of the Wiling period in which it
own, in which case the transaction will be added to the daily balance as
of the first day of the bilging period in which it is posted to your Account.
All fees charged to your Account are added to the standard purchase
transaction category with the exception of tests Advance Fees which are
added to the applicable casts advance transaction category and Balance
TransferFeeswhich are added to the applicable balance transfer trarsadw
category.
Balance Subjedto Interest Rate. Your statement showsa Balance Subject to
Interest Rate. it shown this for each transaction category. The Balance
Subject to Interest Rem shown on your statement is the average of the daily
balances during the Wiling period,
Paying Interest ft begin to impose Interest Charges on all transactions
and fees from the Transaction Date shown on your billing statement for the
transaction or fee. However, If a transaction or fee is posted to your
Account after the dose of the billing period in which it occurs, we begin to
Impose Interest Charges on that transaction or tee from the first day of the
billing period in which it Is posted to your Account. We begin to Impose
Interest Charges on Interest Charges from the date they are added to your
Account. We continueto impose Interest Charges on all transactions, fees
and Interest Charges until you pay the total amount you owe us. Your due
date will beat least 25 days after tha dose of each billing period except that
It will be at least 23 days after the dose of each billing period that begins
In February, If you paid the New Balance on your previous billing statement
by the Payment Due Date shown on that billing statement, we will not
ImIx se Interest charges an now purchases, thous? chases fist appearing
on the current billing stater or any portion Or a neW purchase, paid by
the Payment Due Data on your current Wiling statement We call this the
"grace period." There Is no grace period on balance transfers or cash
advance As more fully described In the section titled "How We Apply
Payments," we apply payrneru In a manner most favorable or convenietd
for us and, to the a tentyyoour payments exceed the Minimum Payment Due
shown on your current billing statement we will apply such excess amounts
generally in order of the APR applicable to the balance of each trassaction
category (as referenced in thelNTERBTCHARGES sedionjfrom highest to
beginning with the balance subject to the highest APR as of the
date we credit your payment. This means that If you do not pay your
balance in furl each month, then, depend ng on the balance to which we
allocate your payment, you may not be able to get a grace period on new
purchases.
Annual Pareerdage Rates, The dally periodic rate and corresponding APR
that apply to each transaction category are set forth in your Pricing
Schedule. The dally periodic rate 611365th of the corresponding APR
VadableInterest Rates One or more dally perlock rates and correWondng
APRs that apply to a transaction category may be variable rates asset forth
in your Pricing 5deeduk or in any special offers you receive from mss,
Variable APRS are determined by adding aspecified number of percentage
points to the Prime Rate. This is shown on the Pricing Schedule as 'Prime t
(percentage points).' For purposes of this Agreement, the Prime Rate is the
7-
1111111 9:41 AM
highest rate of Interest Rated at the 'prime rate' In the Money Rates
section of The WeN Street Journal an 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 borrow at any bards at any given time,
if you have a.variable rate, your APR will Increase or decrease when the
Fume Rate change. This change wig be effective beginning with the first
day of the billing period that begins during the some calendar month as the
change in the Prime Rate, An Increase in the APR may increase your
Minimum Payment Due.
Penalty APR. Each time that you do not mice the Minimum Payment Due
by the PWnw Due Date we may, in accordance with eppikable law.
01 terminate the availability of arty promotional APRs on new purchases
and balance transfers end
01) Increase your APRs for new purchases and balance transfers to variable
Penally APRs,
Each new variable Penalty APR for a new purchase or balance transfer is
determined adding up to 5 additional percentage points to the
otherwise applicable APR and will vary based on any changes In the Prime
Rate. (For example, N the promotional purdase rate was 2.99% and the
rate for other purchaseswas 15.9996 and you paid late once, the rate for all
new purchases could Increase up to WM% variable and vary thereahter
with the Prime Rated VAm we fbst determine the variable Penalty APRs,
we use the Prime Rate effective for the billing period in which you pay late.
The variable Penalty APRs are determined In accordance with the Variable
lwwestRowsectlom.WevWl)baseya(xPenahyAPRonyourcredkwcoM ens
and other factors such as your current APRs and your Account history. if we
Inorease any of your AM to a Penalty APR, we will send you a notioq In
accordance with appRcabe law, advising of 0) the date the new Penalty
APR will apply (the'"APR Effetihve Date) and 0pthe new purdhmses
and balance p transfers towhidh it will be applied (note Penalty APR
wfi not din to any other tretsactiorrs). Now purchases and balance
transfersare one purchases and balance transfers which either 111 have a
Traroaction Date, as shown on your billing statement, of more than
fourteen days after we mail or deliver the notice to you, or 0) were posted
to your Account after the current Penalty APR Effective Date. Your Account
will riot be subject to a Penalty APR for the first twelve billing periods after
your Account Is first opened
If your APR for purchases or balance transfers was increased to a Penalty
APR, we vWR, to the extent required by applicable Ian, periodically review
your Account to determine If any of those APRs should be reduced. Any
reduced APRs on new and existing balances may, be different and may be
higher than your previous; standard APRs for purchases andbr balance
transfers or any prnmcnionel rate,
FEES
Cash Advance Fee. Unless otherwise speciNed In a cash advance oft we
will charge you a Cash Advance Fee In the amount Indicated on your Pricng
Sche lute. AV forms of cash advance; Including the use of Discover Card
checks, regardless of the purpose for which used, are subject to a Cash
Advance Fee.
Balancellmsfer Fee. Unless otherwise specified in a balance transfer offer,
we will charge you a Balance Transfer Fee of 596 ofthe amount of each new
-a-
I CW1_ODMJ,Md 11-12
balance transfer with a minimum Balance Trarder Fee of $10 and no
maximum,
Fotelggn Currency Fee. VVe will charge you a Foreign Currency Fee of 2% of
the 11.5, dollar amount of each purchase made Ina foreign currency.
Mhbmun Interest Chingos. We willaharge you a minimum Interest Charge
of S.50 for eesnryfy billing period in which Interest Charges of less than $,50
would atherwbe be Imposed.
Annul Fee, If your Pricing Schedule accomparying your Card Includes an
Annual Fee vvewill charge you an Annual Fee In the amount Indicated, we
will charge you this fee when we open your Account and at the beginning
of each anniversary year you Amount Is opera The Annual Fee is not
refundable, except as provided by law,
Late Fee. We will charge you a Late Fee iiyou haw failed, as of the Payment
Due Date, to make the mirnumPayment Duethat wasrequired tobepaid
for that billing period. The amount of the late Fee Is $25, except the
amount of any subsequent Late Fee assessed during the next six billing
periods attar a Late (tens assessed is 535 Thelate Fee with never erected the
Minimum Payment Due that was due immediately pAor to the date on
which the late Fee was assessd and will never exceed the amount
permitted by lase.
Returned Payment Fee, We will dwW you a Returned Payment Fee a ry
time you pay us with a check or other Instrument that Is returned unpaid,
This fee will alto apply If a debft tramnsaaion to a deposit account from
which you
to deduct
all as a part of an authorized us In writing, amount you am us under this Agreement returned
unpaid. We will charge you this fee the first time arty payment b returned
ur"ItI, even 0 H is paid upon resubmission. The amount of the fee Is $25,
except the amount of any subsequent Returned Payment Fee assessed
during the next six billing periods after a Returned Payment Fee Is assessed
b $35, The Returned Payment Fee will never exceed the Minimum Payment
Due that was due Immediately polar to the date on which the payment was
returned to us and will never exceed the amount permitted by law,
Reftamed Discover Card Ctrack Fee, We will charge you a Returned Discover
Card Check Fee each time we dedine to honor a Discover Card cash advance
check, belance trarder deck, promotional purchase check, or other
promotional check. The amount of the fee is $25, except the amount of any
subsequent Retuned Discover Card Check Fee assessed during the next six
billing periods after a Returned Discover Card Check Fee b assessed b 135.
The Returned Discover Card Check Fee will never exceed the amount of the
check and mll never exceed the amount perrnittd by law,
Research Fee. We may charge you a Research Fee of $5 for each copy of a
billing statement or saes slip that you requesL However, we will not charge
a fee if you request copies in connection with a billing errs.
DEFAULT AND CANCELLATION
Types of DefauiL lbu are in defaklt if you become insolvent; if you fie a
rlk cy petition of have one find against you; R we have a reasonable
belief t t you are unable or unwilling to 7r, you abligafons to us; if
you are declared Incompetent by a court or ount appoints a guardian
for you or a comervator for your assets If die; fiyou fail to comply with
the terms of this Agreement, including fa II ingto make a required payment
-9-
1!11/11 9:41 AM I
when dui eltcee?rq your Account audit line or using your Card or
Account for a Prohibited Trarsecdom or If you fall to make a required
payment when due on any other account you have with us.
Consequences of Deistic. U you are In defaul we may declare the entire
balance of pour Awwst Immediately due and payable without notice. If
we refer the collection of your Account to an Atomty or employ an
avomeyto represent us with regard to recovery of money that you owe u;
we may charge you reasonable attomeeyyss fees and court or other collection
costs as permitted by bw and as actually incurred by u; including fees and
costs in connection with any appeal. We may delay enforcing or not enforce
any of our rig111s under this Ague metst without losing or waking any of
th
CwAstlom You may ca em. you (?n?
teltone and retsYsgordestroying revery card "and unused cheecck Neat
we here provided you. You an notify is by telephoning I-91111-MOVER
(1.800347.26831, or by writing Discover, PO Box 30943, Sah Lake City, UT
1111300913. Of course, you will stgl be responsible to pay any amount you
owe us according to the tams of this Agreement If your Account Is a joint
Account, elOhe Cardmsember may cancel the Account, Inst you will both
remain responsible to pay any amount owed to us aceord'mg to the terms
of this Agreement. Wa may cancel or suspend your Account at any time
WOW notice. We may choose not to renew you Account (beyond the
expfration date shown on the face of a Card) without notice. You must
return any Card or unused cheds to sus upon request
PRIVACY AND OUR COMMUNICATIONS V61TH YOU
Our Privacy Podc)L We may from 11me to time review your credit,
e ant and incarne records. We respect the privacy of information
about you arced your Account. Our Privacy Poky Includes a summary of the
personae infomwtion we eoN4 Men it may be shared with others, how
we safeguard the coinfiderMly and security of Information and the steps
you may take to snit our sharing of such Information with others. Please
read it careAngy as it 6 part dyou Cwdmember Agreement.
Reporting to OOM Reportinng Agenda& As indicated to our Privacy Policg
we may report to credit report' ing agencies and other creditors the status
and payment historyofyourAcwun; Indudhngnegatnec edkinformatian.
Late payment; mksed payments or other defaults on yew Account may be
reflected in yaw credit report. M normally report to suds aerlt reporting
agencies each mordK if you believe that our report of your Account status
Is hnaurate or bmmpfete, ptee write is at the following address
Discover, PO Box 15316, VAlmington, DE 198505316. Plena Include your
name, address, tame telephone rhurnber and Account number.
Our ComauekMIQM With You. You agree that our personnel may[Men to
or record telephone tags between you and our represenfadves without
additional notice to you, hlduding but not imlted to calls we make to
tolled debts. % may use anymedlum permitted by last including but not
limited to mall, We Wephoone call, automated telephone equipment
prerecorded telephone cell, ermelk text messages and calk to you cell
phone to contact you a xYA your Amount or to offer you products or
services that be of value to you. If you prefer riot to be contacted In
oreormoreaf way;youmustuither telephone us at1.8011MOVER
(i-800347-2684) or write to us at Discover, PO Box 30951, At Lake CN UT
84130-0961.
.10-
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 lean auttwrbed buyer on yourAmoum, and any other person with
your prior permission, In addition to as provided in ow 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 autaftation or
penmiislon, has gained possession of a Gard or has learned other Identifying
characteristics about you such as your personal identification number,
Account number or social security number.
gectratsk Notices to You. We may offer you the opportunity to receive
certain notices from us electronically rather than through the mail,
Induding monthly billing statements and change of terms notices. The
terms and wndnions for receiving these electronic communications will be
described in the offer.
Notices - Changes to Your Information. N you change your e-mal address,
mailing address or telephone number you must notify us of your new
address or telephone number within 15 days. You can not fly u by
telephoning 1400-DiSCOVEIt (1.800.347.2683) or by wrlti Discover, PO
Box 30943, Salt lake ft UT 84130-0943, Ifyour Accouad s a?oirrt Account,
any notice we mail to an address you have provided for the Account will
serve as notice to both Cardmernbers.
CLAIMS AND DISPUTES
Merchant Disputes, We are not responsible for the refusal of anyone to
accept or honor a card or to accept checks that we have provided you. If a
merchant fails to pr(Mde your purdhase 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 wig Issue a credit to our Amount and
you will be deemed to have assigned to us you clakn against the merchant
andbr arty third party for the credited amours. Upon our request, you
agree to provide is with written evidence of such assignment.
Claim Notices. In the event that you or we haw a claim that arises from or
relates to you Account, any poor account you had with ts, your
application, the relationships which result from your Account or the
eniorceabigty of the Agreement or arty prior agreement, before initiating,
)Dimingg or participating In arty )udkW or arbitration proceedfrsg, as either
an indfvkksal litigant ormember of a des ("Proceeding'), the complaining
party shap give the oft party, (1) a written notice of the claim ("Claim
Notice"), at least 15 days before Initiating any Proceeding, explaining in
reamnable detail the nature of the claim and any supporting fads; and (2)
a reasonable good faith opportunity to resolve a dagm without the
necessity of a Proceeding This Includes arty daims involving our parent
corporation, subsidlarle; affiliates (Including, without Iimftation, DPS
Services Uq predecessom successors, ensiggnnss as well as the officer;
directors and employees of each of time et as. Any Claim Notice shall be
sent to us at Discover, PO Box 3024, New Albarry. OH 43054 (or su(h.other
address as we shall subsequently provide to you) (time 'Clahm Notice
Address') or to you at your address appearing In our records or, if you are
represented by cousel, to your attorney at your aftw*s office.
Arbitration of Disputes. Agreement to arbitrate, in the event of any past,
-If-
I 1314 1111111 9:41 AM
preserit or future claim or dispute (Mirther based upon contract, tort,
statute, common law or equity) between you and us ar'I from or
relating to your ArcmA any prior account have had with us, your
appBcation, the relationship; whkh result your Account or the
anfaceabihy or snipe of thisarbitrationprmkion, of the Agreement or of
any prior agreernenk you or we may elect to resolve the calm or dispute by
ng arbibalias. If EITHER YOU OR WE ELECT ARBITRATION, NEITHER
YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT ClA1M 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 MEANER OF A CLASS OR IN A PRIVATE ATTORNEY
GENERAL CAPACITY {'dais Action Wak lL
Notwithstanding anything eke to the contrary In this arbitration provision,
only a court and not an arbitrator, shall determine the validity and effect
of the Class Action Waives. Even 9 all panles have opted to Titillate a claim
In court you or we may elect arbitration with respect to any dal. made by
a new party or new calm later asserted in that lawsuit and nothingy
undertaken therein shag wristkute a waiver of any rights under this
arbitration pm*bn. Vkwfl not Irwoke our right toarbitrate an Individual
claim you bring In small dekns court or your states equivalent court If any,
unless such action is transferred. removed or annealed to a different court.
Cvmn4V lawand RL*& Yaw Account involves interstate commerce and
this pr shall be governed by the Federal Arbitration Act (FAA). The
arbitration shall be canducK at the option of whoever files the
arbitration daim, by either the American Arbitration Association (AAA) err
JAMS In accordance wills their procedures In effect when the daim 6filed.
For a copy of their pracedums, to file a claim or for other Worm ation,
contact AAA at 33S Madison Ave., Floor 10, New Yotk, NY 10017-5905,
www.adtag (phorse 14800778.7879) or JAMS at 620 Eighth Ave„ Floor 34,
New York, NY 10014, wimp4amsadreom (phone 1.800352.5267). No other
arbitration forum will be permitted, except as afeed to pursuant to either
the Charges to this Agreement section or a wrhmg signed by both pparses.
0 r dt* AAA nor JAMS is able or willing to serve as the arbitration
adrrinistcator and we and you are unable to agree on a redeoement
adro nistmWr or arbkM% then a court of competent juts n will
appoint on administrator or arbitrator or arbitrators (in the case of an
appeaa? app three a atorsasdescriedbelow).Unnlessconsented
by procedure all p th any no arbluntion may be administered by any administrator
or or that 6 Inconsistent a with or any formal or t the to r retie
this sectlori. If we eMct to resolve a claim or to override the terms of
c1spute by binding arbitration
and the arbitrator isslres an award In your favor on a dolm or dams with
arbi Rioto which you would not n filing, administrative and hearing a be entitled to eeeasonableco attorneys'
fees wW* other arbitration costs, we wie responsible for paying or
reimbursing such curls and fees N awarded by the arbitrator.
Fees and Costs. At your written request, we will advance any arbitration
filling, administrative and hearing fees which you would be requiredto pay
-12-
tiDCMO_02BOK-TL23AOO211_00003.fr& 15.10
to pursue a claim or dispute as a result of our electing to orbitratethat claim
or dispute. Send requests to Discover, PO Box 30421, Salt lake at1% UT
84130-0421, The arbitrator will decide who will ultimately be responsible
for prOigthose fees. Youwl o4be responsible for payingor reimbursing
our arbitration filing, administrative or hearing fees to the extent you
would have been responsible for prying'attorneys' fees and court or other
collection costs' had the action proceeded In court. In no event will you be
required to pay any fees or costs Incurred by us In connection wish an
arbitration proceedingg where such a payment or reimbursement is
prohibited by applicable lauc
Nwtro and Declsfons. Any arbitration hearing will take place in the
federal jjuudicial district where you reside. The arbitrator shag follow
applicable subslanWe law to the extent consistent with the FAA and
applicable statutes of limitations and shall honor claims of privilege
recognized at law and shag be authorized to award all remedies permitted
by the substarriive laws that would apply If the action were pending in
court If requested by any pantyc 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 n'ghts under the FAA and except that H
the amount in controversy exceeds f100,00q any parrttyy may appeel the
award within 30 days to a ihree?arbitrator and, which shag review the
award de nova. Unless applicable law provides otherwise, the appealing
party will pay the cost of the appeal, regardless of Its outcome. However,
we will considerIn good falth arty reasonablerequert for us to bearthe fees
charged by the arbitration administrator and the arbitrators in connection
witthe appeal. h In any court having )urlsdlRi io on. award by the arbitrator may be
eita
Offer 8erreficfarkr of tAk Provisions, our rights end obligotkxs wider this
arbitration provWon shall inure to the benefit of and be binding upon our
parent corporations, subsidiaries, affiliates QndudIng, without Imitation,
DFS Servkes LLQ, predecesom successors, assigns, as well as the officers,
directors and employees of each of these entitles, and will also Inure to the
benefit of arty third party lamed as a co-defendam with us or with a7 of
the foregohsg ine claim whkh k sublect to thb arbitration p vklom our
rights and ab8gatlom under this or ration provision shall inure to the
benefit of and be binding upon all persons cnnVactually liable under this
Agreenrent and all Authorized Users of the Account
SurvAafofftProvhfori. This arbitration provision slidsuvive termination
of your Account as well as voluntary peyrst In full by you, any legal
proceedings by us to collect a debt owed by you, any bankruptcy by you
and any sale by us of your Account
Right to Rgect Arbitration. You may reject the Arbitration of Disputes
section by provlding us a shrike of reection within 30 days after receiving
a CK4 atthe following address: Dtscom PO Box 30938. Salt take City, UT
84130-M If you were pprreviously sub Jadto arbitration with respectto any
account with us, this right to reject arbitration will not allpp to you Your
rejection notice must Include your name address tekRlno,e numlMh
Account number and signature and must not be sent with any other
correspondence, Calling us to indicate that you reject the ArbiVatiori of
Disputes section or sending a rejection notice in a manner or format that
does not comply wah all applicable requirements is insufficient notice, In
-13-
1111!11 9A1 AM
order to process your notice, we require that the notice be provided 6Yyou
alfxty and not through a third partrtyy ?1 do this arbitration wii?k not
;,,, ?your ? rights w responsibifties Agreement or your
oblrgirldo , to arbitrate disputes under any other ismu m as to which you
and we have agreed to arbitrate disputes. H you do not send a rejection
notice you wl be obligated by the Arbitration of Disputes section with
respedtothis and anyQriorwmntyou have had with us, even If you have
previously sent a rejection rsotlce Wthh respect to that prior account.
LEGAL INTEBFRETATION OF THIS AGREEMENT
Severe bRNy if arrtyry pert of this Agreerr e t becomes unenforceable, it will
not make any othd part unw orcisabie, except that If the Class Action
Waiver set forth above in the Arbitration of Disputes sectlon Is Invalidated
Arbitration
any 1t? secd ton In v be which void you with respect to tat proceeding.
of
CompUano YM Interest Rate 1Lrtiitatons. We intend that this Agreement
svfl comply with appkable interest rate firriftedoiu, You will not be
required to than the maximuInterest Charges or m amount permitted other Im N R is ever linally determined
that, but for this section, the interest Changes or other charges under this
Agreement would excited the maximum lavish amount, the Interest
CFwrges and other charges wig be reduced to the maximum lawful am scant.
Any excess amount that you have already, paid will be used to reduce the
ng balance of your Account or wlll be refunded to you by means
of a check In our discretion,
Goveming Law. This Agreement and my War or dispute adsfg out of
this Agreement A be ygoovvp?rhue?d by applicable federal law end to the
extent state law apples, ildawm lase
ASSIGNMENT OF ACCOUNT
We may sell, assign or transfer your Account or any portion thereof without
:o imtoyou. You maynotA assign or transfer your Account whhoutflrst
obtalrlkhg our prior written cauent.
Your Billirf r fthtr
Km This Document For Future Use
This notice tell you about your rights and our nespondlnlltles under the
Fair Crack Offing Ac6
Whit To Do 9You Fled A 111h0ke On Your Statemen
if you think there is an error on your statement, write to us at:
Discover
PO Box 30421
Salt lake City, UT 841349421,
In your We; give us the following Information:
• Account Mom Your name and account number.
• Dollar aImft The dollar amount of the suspected error.
• D=kV* Of If you think there Is an error on yohrb111,describe
what you believe is wrong and why you believe it is a mistake.
14-
I MG02lt_00083.rndd 17.16
You must contact us:
• Within EO days after the erns appeared on your statement.
• At least 3 business days before an automated payment is scheduled, H you
went to stop payment on the scri unt you think Is wrong.
You must notlyus of any potential errors In wrid g You may callus but H
you do we are not required toInvesNate any potential errors and you may
have to pay the amount In question.
What do= AftK Wa Aerdne Your letter
When we recalve your lath we must do two things
1. Within 3D days of recelftyour letter, we must tell you that we received
your latiet We will also tell you If we have already corrected the error.
Z Within 90 days of se?e?{?g your letter, we wig either coned the error
or esoplain to you why vm belie ve the 6111 Is oorreci.
While we Investigate whether or not there has ban an arror:
• We cannot try to tolled the amount in question, or report you as
delinquent on that amount
• The charge is question may remain on your statement, and we may
writhhue to charge you Interest on that amount.
• We you do not have to pay the amount in question, you are responsible
for the remainder of your balance.
• We can apply any unpaid amount against your credn Omit
After we finish our ksvestgation, one of two things will happen;
• Mille made a mistake., 4bu will not have to pay the amount in questln or
any Interest or other fees related to that amount
• ffwe do notbefkw there was amistake, You wRl haveto pay the amount
In question, along with applicable Interest and fees, We will send you a
statement of the amount you owe and the date payment is due. CAE may
then report you as delinquent H you do not paythe amount we think you
owe.
if you receive our explanation but still believe your bill B wrong, you must
write to us within JUM telling us that you st11 refuse to pa?c If you do so,
we cannot report you as delinquent without also reporting that you are
questioning your A We,r ust tell you the name of anywe to whom we
reported you as delinquent, and we must let those organizations know
when the matter has been settled between us.
O we do not fofow all of the riles above, you do not have to pay the first
$ SO of the amount you question even H your [sill Is coml.
YbirVghft N You Are Di mtk& d N9Mr,Your (led t CM &W"
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried In good faits to correct the
problem with the merchant, you may have the right not to pay the
remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made In your home state or within 100
mites of your current mailing address, and the purchase price ooost have
been more than $50, (Note: Neither of these are necessary if your
purchase was based on an advertisement we mailed to you, or if we own
the company that sold you the goods or services.)
-15-
1111111 9:41 AM I
Z You must have used your Credit card for the purchase. Purdsases made
with cash advatimtroman ATM or with a check that accesses your credit
card acownt do not quaW
3. You must not yet have fully, paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in wdtlg at
DISCDW
PO Box 30W15
Sale Lake City UT 841304945
06 we Investigate, the same rules apply to the disputed amount as
dktussed above. After we finish our investigation, we will tell you our
deck on. Atthat point, N we think you owe an amount and you do not pay,
we may report you as deNnqudtt.
DESaWON OF COVERAGE
WEDULED AIR TRAVEL ACCIDENT IN5UtANCE
Dbcovera Cardmembers are provided with 5504000 Scheduled Air Travel
Aakdent Insurance.* You, your Spouse, Domestic Peruser or eligible
Dependent 04dren for whom a ticket was ptrdlased on your Card (as
defined below) will be automatically kwvd against Accidental Lou of Life
arising from and occurring on a Covered THp while you, your Spous%
Domestic Partner or Cable Dependent Children for whom a ticket was
ppuunisased on yourCasd are riding as a passenger in or enters exldng or
beingstnsck Lbyyra Scheduled Aircraft ora ccrveyence operatedfly a military
transport senvke or ddYsg as a passenger In or entering at ex" any
conv?ance Immedto Carry thepublic forafeeand while travdirtq. directly
to orirom the airport immedlet?y preaedng the departure of a Sdnedsled
Aircraft on which the knsu Person has purchased passage and
Immediately follavving the ardvaI of a Sdnedule 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 exchnlons apply.
PLAN FEATURES
THE BENEFITS: Theful Beret Amount($500,000) Is payable for Accidental
Lass of Life. The Lou must ocmr within one year of the Accident
MAM M LIMIT OF INSUtma:If more than one Insured Person suffers
a Loss In the same Accident the Company will not pay more than the
maximum snit of insurance ($20,004000) per Accident. If an Accident
results ws BenefitArrosmts becoming payable, which Wien totaled, exceed
the applicable limit of insurance shears above, the maximum limit of
Insurance wN be divided prop lonaly among the Insured Persons, based
on each applicable Weds Arta?ssnt in the event of multiple Accidental
deaths per Account arkRsg from any one Accident, the Company's liability
far all such losses 0 be Wed to a maxknsm limit of insurance equal to
two times the applicable Benefit Amount for loss of life. Benefits will be
proportlonatey divided among the Insured Persons up to the maximum
Bmit of Insurance.
.16-
1 rid 19.20
DEFINITIONS:
means a sudden, unforeseen and unexpected event
happening by Chance, and Includes unavoidable exposure to elements
arising from a covered Hazard,
6 r nWoM means bodily Injury which k Accidental, Is the
dlrectsouree aft Loi%Is Independent of disease, illness or other cause and
occurs while INS policy Is in force.
Am= means a card account,
Bendh Ano means the Loss amount at the time the entire cost of the
passenger fare is Charged to an Account
Saatd means the Discover Card
Cardminsibe means the holder of the Card whose name appears on the
credit card
Condit means the Federal Insurance Company.
Covered TO means travel on a Scheduled Aircraft when the entire cost of
the passenger fare for such transportations less redeemable certificates,
vouchers or coupons, has been charged to the Insured Person's Account
"I nt Child or hidren means those children, Indudktg adapted
chilldren and those children placed for adoption, who are primarily
deperdent upon the ktsured Person for maintenance and support and who
are,. (1) under the age of 19 and reskle with the Insured Person; (2) beyond
the agge of 19, permanentymenttallyor physically challenged end incapable
atan'supkpoort r0)undeLarnmgof25andclassified asfull-time students
OnmetAt Perin or means a person who (1) Is at Last Ia years of age and
competent to enter into a contract; (2) Is not related to the Insured Person
by blood; (3) has exclusively Ived with the Insured Person for at least one
year prior to the date of eredhnerd (4) Is not Iyly married or separated;
and (5) as of the date of enrollment, has wilh the Insured Person at least
two of the folowing 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 joist lessee an a mirror vehicle Lase; or (d) a joint Credit card
account with a financial Institution. Neither the Insured Peron nor the
Domestic Partner can be married to, nor In a chill union with, anyone eke.
HAurd means the covered circumstances for which this Insurance Is
provided as stated h Section M of the Declarations, Hazards, and described
in the Hazards form, as described on page 1 of this Description of Coverage.
1DSttmd Persigi means all CardmembeN their spouses, Domestic Partners
and Dependent ChldreN as wed as authorized users of the Account.
I" means the Loss of Ufa
Lam pf U14 means death, Including Clinical death determined by the local
goveming medical authorities.
of premium. DFSServfees LLC, the entity responsible for the payment
? means an aircraft owned andlor operated by a
SdheduN Aldine.
Schatlided means an aidfna which is either of United States registry
and certified by the United States government to carry passengers on a
17-
1/11!11 9:41 AM
regularyscheduled bask or of foregn re ister and approved by the Unfted
States government and the appropriate foreign authcx4
fir means hoad8ties folovkg a declaration of War by a government
authority. If there k no declaration of War, then (1) armed, open and
contimsmss hostilities between two countries or (2) anted, open and
oontlnuwx hwfts between two factions each in control of territory, or
claiming jurhdictim over the site of the area of hostility.
DISAPPEARANCE DEtE O, H the insured Person has not been found within
ON yew of the d'suppearance, stranding, voicing vaeddng or breakdown
of any Scheduled A4craft or conveyance in whlds the Insured Person was
wvaed as an occupant, It will be assured subject to all other terms of the
polcx that the hshred Person has sssHered loss of life covered under this
p
L'KPOSIRtE ONEFRS: Accident Includes unavoidable exposure to elements
adslrg from a covered Hazard.
ELIGIBIt1T This Insurance plan Is provided to Insured Persons automaticaiv
when the entire cost of the passenger fare(:} on a Scheduled Airline is
charged to the Cardmerr&A Account while the insurance k effective. It k
not necessary for you to notify the Policyholder or the Company when
Scheduled Airline tickets are purchased.
EFFECMfE'DATES: Your insurance under this insurance plan is effective on
the later of. 1) April i, 2007; or 2) the date you become an eligible
Cerdmember. Yalu insurance coverage under this Insurance plan will cease
on the e&AW of. (1) the date the insurance coverage is terminated; or (2)
the date you cease to be an elgible Cardmernber.
Cost This Insurance plan Is provided at no additional cost to eligible
Insured Persons for Covered Trips. Policyholder pays the full cost of the
inurance.
THE BENSMARY: The Loss of Life benefit will be paid to the beneficiary
designated! bY you. N no such designation has been made, that benefit will
be paid to t(te fist ssavlving beneficiary In the following order: a) your
spouse; b) your children; your parents your brothers and sisters, e) your
estate. All other indemlf will be paid to you, 9you wish to change your
beneflderA you may request a beneficiary designation form by mM?g to
the plan administrator at: The Direct Marketing Group, Inc, 13165 8edfad
Avenue, Omaha, NE 68164 or at Benefidaryrtquest®TheOIredMG.com.
EXCLUSIONS: This Insurance plan does not cover Loss resulting iron; (1) an
Accident occurring while an Insured Person kin, entering, or exiting arty
aircraft owned, leased or operated this Polkyhdder or any aircraft
turned lased or operated by an employee of the Policyholder on behalf
of the Poicyhodder (chit emMon does not apply to aircraft chartered with
pilot or crew on one time doter bask), (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 a%V to engers who
temporally perform pilot or crew functions h a life threatening
emergenty); (1) emodeml trauma, mental or physical illness, disease,
pregnBrK% childbirth or miscarriage bacterial or viral infection, or bodily
malfunctions (except becteral infection caused by an Accident or from
Accidental consumption of a substance contaminated by bacteria); (4)
suicide, attempted suidde or loss that is intentionaly self-Inflicted; or 6)
declared or undeclared War.
. 1E-
CLAIM NOTICE: Written claim notice must be given to the Company within
90 days after the occurrence of any Loss covered by this pocky 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 Lou 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.
Fallure to give complete proof of Loss within these time frames Y A 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 subrrlt
complete proof of Loss,
CLAIM PAYMENT: The company will pay }rose or your beneficiary the
applicable Benefit Amount within Go daayyss after complete proof of Loss is
recehtsd and if you, the Policyholder andor the beneficiary have compiled
with all the term 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 will select a third. If they cannot
agree within 15 days, either the Company or the Insured Person may
request that the choice of arbitrator be submitted to the American
Arlillratlon Association. The arbitration will be held In the state of the
Insured PersorA principal residence.
IF YOU HAVE ANY CI AIM RELATEO QUESTIONS, PLEASE CAL. THE CLAIMS
SERVKE CENTER AT 14K0•CLAIMS-0(1.80(i252.4670).
You can also go to the Company Web the (wwwx hubbcom), 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. 1-600.3002538
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 obtained from the Policyholder.
Polky #990618.06
Polley Underwritten By Plan Administrator
Federal Insurance Company The Direct Marketing Group, Inc.
a member insurer of the 13265 Bedford Avenue
Chubb Group of Insurance Companies Omaha, NE 68164
15 Mountain View Road, PO Box 1615
Warren, NJ 07061-1651
-19-
I e00M.1add 21-22 1171!71 9:41AM
DESCRFnON OF COVERAGE
SECONDARY RENTAL CAR COLUSION COVERAGE
Discover. Cardmembers am benefit from the security and safety offered
through Excess Collision Damagge Waitron. R you rent a vehicle for 31
consecutive days or less {or ckys under certain circurtshnces described
below) wills ywr Card Ins defineedd below), you may be eligible for benefits
uxder this Ewes Collision Damage SVaherr Is an Insurance
prop u? by Federal Insurance Company policy 19906.17-63
DEMONS:
S means a Card amount.
Actual Cob Value means the cost to repair or replace the Rented
Automobile at the time of loss, less depredation.
means the holder of the Card whose name appears on the
credit card.
5961 means the Discover Card.
Collision Dm1g! means the direct and accidental damage to a Rented
Automobile caused by upset or collision with another object CollWon
Damage does not Include loss caused yy missiles, falling a fire, theft
or la cenys mpkelm earthquake, windstorm, hall, water malcious
mMM or vandalism, rid or dvl commotion.
SRIlUtEtRt means the Federal Insurance Company.
k mW means Cardmesbers and authorized users of the Account
means DFS Semites LLC, the entity responsible for the payment
of p?emlum
?liLeplOgt mom a commercial automoblle rental company licensed
undtr the laws of the
applahle jurisdiction,
Rerted means a fourivheeled 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
Automobille must be designed for travel on public roads and rented from
Rental Agencyt
TO GET COVERAGE
• The Collision Damage Waiver Coverage is provided to you, as an Insured,
autornatialy when the entire rental tee for the Rented Automobile Is
charged or debited to your Amount. K Is not necessary for you to notify
t Company at the time the rental fee Is dberged or debited to your
Account
• You most decline the Loss0oamage Waiver offered by the vehicle Rental
Agency
• You roust rent the vehicle in your own name and sign the vehicle rental
agreementkmrtract
• The coverage period will not exceed 31 consecutive deign, or 45
comenrtlve clays if the Insured I an employee of on organization xlMh
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
-20-
subjed to all the terms of the PoI4 the Company agrees to reimburse on
an Actual Cash Value basis either the Insured or the Rental Agency for
repair or replacement of the Rented Automobile as a result of Coilhbn
Damage to the Rented Automobile. The Connpany9 lahlhy will be for a
maximum reimbursement of 525,000. In no event will the Company be
liable beyond the amounts actually paid by the insured or the Rental
Agencyt
• If you or an Insnueft prima vehicle Insurance or other coverage has covered cove?yau ductible and anylother e?Rgiblelamounnts not coove ed by
other insurance,
• This coverage is not all-inclusive, which means It does not rover such
things asperse nal IMuryorpersonal liability. It does not cover you for any
damagesto other c or property. It does not cover you for arty injury
to any party,
WHO D COVERED:
• D11mver Cardmembers
EXCLUDED RENTAL VEHICLES:
T-road, antique or limited edition motor vehick$ trucks; recreational
vehicles, camper; pickup trucks, and mini-buses; limited edition motor
vehicles or high value, exotic, high ppeerformance or collector type. High
value motor vehicles are motor vehicles whose replacement value exceeds
$5UM end antique motor vehicles are defmad as any vehicle over 25
years rid, or any vehicle which has not been manufactured for 1 D years or
more.
WHERE YOU ARE COVERED.
• Coverage apples 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 ad of the Insured.
Forgery by the Insured.
Loss due to tvar a 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
prescr1bedbya physician.
• Use of the Rented Automobile to carry passengers and property for hire.
• Use of the Rented Automobile a person other than the one authorized
to operate the Rented Automobile by'theterms of the Rental Agreement.
• Lou of use of the Rented Automobile.
• Intentional damage to the Rented Automobile by the Insured.
• Damage wNclrisdueandconfined towear andtear, 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.
-21-
I '.1DCMO WBOK-7L23AGO211_00M.Indd 23.24 1111111 e:41 AM
FOR INSUREDS VMD ME NEW YORK STATE RESIDENTS:
To the mark that this planprovides instgance against damage to a tented
motor vends* the following terms and conditions apply: (1) the period of
Isurerloe coverage will not =ad 31 consecutive days, or 45 consecutive
days If the Insured Is an ?rp)q of an MR) ization which has provided
the Card to the Insured forrnness use; the insurance provided by
this pins wig be excess over any other valid and collectible Insurance
covering the Rented Automobile. Hwavet the Irmance provided under
this plan may be prkm7 H specifically provided for under the terms of this
pion and H the following criteria is met: (a) the Rented Automobile is
rented for use outside the United States, Its territories and possessions; (bl
the Insured Ran employeeofan organization which has provided the Carl
to the insured for business use; and (0 the Rented Automobile is rented
NOW TO FILE A CLAIM UNDER EXCESS COLU9 )N DAMAGE WAIVEi :
in the event of a claim, written or verbal notice must be provided as soon
as reasonably passible
F YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS
SEAM CENidt AT IMMLAMS-0 f114611452-4670b
You can also go to the Company Web site fwswachubbxomt dick on
Report a Los, select Accident. Ilere is and Life claims, select the
aolm g?e Rform print out the claim form, fill out and mail. You can fife a
cl ma or fax.
Ma" Address: CHUBB GROUP OF INSURANCE COMPANIES
CLAIMS SERVICE CENTER
6M INDEPENDENCE PARKWAY
PO BOX 470D
CHESAPEAKE, VA 23327.4700
Fax Number: 14W3&2538
CLAIM PROCEDURE
The lnsured must send the Company written notice of a claim, including the
Ins n0 name and Policy number, within 90 days after a covered loss
occurs. If notice cannot be given wfthln that time, It must be given as soon
as reas"* passible. To iBe s sworn Prod of Loss, the Ir wred must send
the foloWng formation to the Company or Its authorized representative:
• A copy of the Amount statement showing the automobile rental
transaction.
• A copy of the automobile rental agreement.
• A copy of the police report.
• Hof the initial claim report submitted to the automobile Rental
• A copy of the paid daim presented by the automobile Rental Agency for
the Collision Damage for which the Insured R responsible,
• Proof of submission of the loss to, and the result of any settlement or
denial by the applicable Insurance carrierfs).
• If no other insurance is applicable, a notarized statement from the Insured
to that effect
Hemirder. Please refer to the Insurance Disclosures section.
22-
I 11aCA1 -0260K-TL2aAr30211_00083Jndd 26-2e
INSURANCE DISQOSURES
As a handy reference guide, please read thisdocument and keep it in a safe
place a cwith ontract of other Insurance Insurance but Is simply an h nwfamative statementa to
not
eliglbie Irmireds of the principal provisions of the insurance while in effecL
Complete provisions pertaining to this plan of insurance are contained in
the master policy on fie vdth DFS Services LLC, herein referred to as the
Policyholder. R a statement in this Summary of Coverage and any provision
in the policy dfffe4 the policy will govern.
Policy Underwritten By Plan Administrator
Federal Insurance Compaq ("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, andlor brochures by
any party. Policyholder and Company reserve the right to change the
benefits and features of these programs at any time.
Cancellation: Polkyholder can cancel these benefits at any time or
choose riot to renew the insurance coverage for all authorized
Cardmembers, If Policyholder does cancel these benefits, you will be
notified at least 60 days in advance. If the Company terminates, cancels,
or chooses not to renew the coverage to Poll Older, you will be
notified as soon as Is practkable, Insurance benefits will still apply for
airy benefits you were eligible for prior to the date of such terminations,
cancellation, or norm renewal, sublect 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 SD United States, the District of Columbia, American Samoa, Puerto
Rko, Gram 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 andlor damages under or arising out of this
coverage. These benefits do not apply If III card privileges have been
cancelled. However, Insurance benefits will still apply for any benefit you
were eli?gqlble for prior to the date that your Amount Is suspended or
cancelied subject to the terms and conditions of coverage of your
Cardmember Agreearent.
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 conceeled or misrepresented any material fact
or dreumstance concerning this coverage or the subject thereof or the
interest of the Insured herein, or in case of any fraud or false swearing
by the Insured relating thereto.
Coverage for an Insured will be void if, whether before or after a loss,
-23-
1x11/11 9:41 AM 1
the POD or or its subscribing organization(s) has concealed or
misrepresented any material fad or circumstance concerning this
coverage or the subject thereof or the interest of the Its ured therein, or
In case of any fraud or false swearing by the Policyholder or its
subscribing organiaatiorr(s) relating hereto
Addition of New insureds: All eligible persons will be automatically
lrwsred harder this PoI4
Examination Under Oatie It is a condition of this Insurance that the
Insured and the Pallicyboklm as often as may be reasonably required by
the CoT" will submit and within its power cause others to submit,
to m mms under oath and will produce for examination all
writings, books of account, his, invoices and other voucherc, or certified
copies thereof H originek as kA at such reasonable time and place as
may be do' nated by the Company or its representative, and will permit
extracts and copies thereof to be made. No such examination under
oath, exan*aon of documents or an other ad of the Company, its
employees or represerstatives in connection with the Investigation of arty
loss or daim will be deemed a waiver of any defense and such ads shall
be deemed to have been made or done without prejudice to the
Company's liability.
No flenefft to Others This coverage will in no way Inure directly or
idly to the benefit of any Insurer, person or organization or other
Subrogation: It Is a condition of this insurance that if the Company pays
the Insured for a loss, it will require the Insured to assign and transfer
any claim or right of action against any individual, firm or corporation
for such loss to the company or subragate 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 rghu as reasonably requested by the Company and to return to the
Company any recovery to the extent payment of loss her been made by
Arbitration: In the event of a dispute under this policy, either the
Company or the Insured may make a mitten demand for arbitration. In
that case, the Company and the Insured will each select an arbitrator,
The two arbitrators will select a third. if they cannot agree within 15
days, either the Company or the Insured may request that the choice of
arbitrator be submitted to the American Arbitration Association. The
arbitration will be held in the state of the Insureds prlndpal residence.
GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS
The Global7ravelees Hotk* provides Cardmembers and their families a
wide range of free travel assistance benefits. It Is operated by AM
Assistance USA, Inc Visit Dlscovercard comltravel to loam more.
E3gihi0t)t You must be a Cardmember whose Account is in good
standing, the Cardmemberls spouse or dependent child traveling with
the Cardmember or an Authorized User of an Account in good standing.
Third-Party O"os. Global Traveler's Hotline is not Insurance, so you
.24-
I 11DCM0_02BD(-TL29AG0211000M.Indd 27.29
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 (1600-341-2683) for assistance or if you have
questions about a specific destination. Outside the U.S., call us collect at
1.801.902-3100, While AKA Assistance will make every reasonable effort
to provide the services, neither AXA Assistance nor Discover Bank or our
respective of hates 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-
1111111 13:41 AM I
REQUEST FOR ADMISSION NO. 1:
Defendant applied for the credit card referenced in the Plaintiff's Complaint.
Admitted
Denied
If the answer to Request for Admissions No. I is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 2:
Defendant received and used the credit card referenced in the underlying action.
Admitted
Denied
If the answer to Request for Admissions No. 2 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
q51 ?)?54
REQUEST FOR ADMISSION NO. 3:
Defendant resides at the address listed on the monthly statements dated October 02, 2008 through
February 08, 2012 and attached to these requests as Exhibit "1."
Admitted
Denied
If the answer to Request for Admissions No.3 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request
and identify the Defendant's addresses and the dates that Defendant resided at the said address.
REQUEST FOR ADMISSION NO.4
The purchases and/or balance transfers and/or cash advances listed on the monthly statements
attached hereto as Exhibit "I" are correctly identified for the underlying credit account.
Admitted
Denied
If the answer to Request for Admissions No. 4 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 5:
The payments and/or credits listed within the monthly statements attached hereto as Exhibit "1"
are correctly identif for the underlying credit account.
Admitted
Denied
If the answer to Request for Admissions No. 5 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 6:
Defendant made no payment on the credit card since May 26, 2011.
Admitted
Denied
If the answer to Request for Admissions No. 6 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 7:
The credit card account which is the subject of the underlying action accrued interest at a variable
rate.
Admitted
Denied
If the answer to Request for Admissions No. 7 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 8:
The interest rates listed within the monthly statements attached hereto as Exhibit "1" correctly
identify the interest rates for the underlying credit account.
Admitted V
Denied
If the answer to Request for Admissions No. 8 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 9:
Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit
card in question,
Admitted
Denied
If the answer to Request for Admissions No. 9 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
REQUEST FOR ADMISSION NO. 10:
$6,401.36 is a correct and accurate current balance of the credit card account in question as of
January 31, 2012.
Admitted_ -
Denied
If the answer to Request for Admissions No. 10 is anything other than an unqualified admission,
please qualify your response by setting forth which parts of the request are admitted and which
parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied.
Please attach any documentation in your possession that supports your response to this request.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFO TI
OBTAINED SHALL BE USED FOR THAT PURPOSE.
Sarah E. Ehasz, Esquire
Pa. I.D.#86469
Weltman, Weinberg & Reis
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR:9578334
DEFENDANT'S VERIFICATION
I, ?t9Pi 1 1 I " t //? P, (please print) under penalty of perjury and
subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities
verify that the foregoing Responses are true and correct to the best of my knowledge, information
and belief.
Date Signature
CERTIFICATE OF SERVICE
A true and correct copy of Plaintiff's First Request for Production of Documents and
Request for Admissions has been served by U.S. Mail, on the I day of .?' ,
2012, upon the following:
Patricia M Meixner
14 Briarly Drive
Carlisle, PA 17015
By:
CERTIFICATE OF SERVICE
A true and correct copy of the within Plaintiff's Motion for Summary Judgment has been served
by U.S. Mail, Postage Pre-Paid, on3Pday of " L47 , 2012 upon the following:
Patricia M. Meixner
40 Winchester Gardens
Carlisle, Pa 17013
By: . A/ fl
Sarah E. Ehasz, Esqui
PA ID# 86469
Weltman,Weinberg s CO L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
WWR No. 9578334
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
THROUGH ITS SERVICING AGENT,
DB SERVICING CORPORATION,
Plaintiff,
vs.
PATRICIA M. MEIXNER,
Defendant.
Case No.: 12-2479 Civil
ORDER OF COURT
AND NOW, to-wit, this day of , 2012 upon Plaintiffs Motion for
Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is
GRANTED and Judgment is entered in favor of Plaintiff for $6,401.36 with interest at the legal interest
rate of 13.240% per annum from January 31, 2012, plus costs.
BY THE COURT
J.
WWR No. 9578334
.-
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK, THROUGH ITS
SERVICING AGENT, DB SERVICING
CORPORATION
Plaintiff
Case No.: 12-2479 CIVIL
TYPE OF PLEADING
vs.
PATRICIA M MEIXNER
Defendant.
PRAECIPE FOR JUDGMENT
PER ORDER OF COURT
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T Molczan, Esquire
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-7955
WWR # 09578334
$7049.21
a~~ll~.`.~~a `a'
~ol~c~ (I~IG,~led
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION --,
f..
~_~
E+~
DISCOVER BANK, THROUGH ITS ~ ~, ` ~-
SERVICING AGENT, DB SERVICING c
`-,
CORPORATION ~- ~~~~ -,~ ~_! ~ ~',
:` ~~y
=~= C==: c.~ ~:~. ;.
Plaintiff Case No.: 12-2479 CIVIL ~ .,- ,
..._.
_. ~--
~;
vs. - __
PATRICIA M MEIXNER
Defendant.
PRAECIPE FOR JUDGMENT PER ORDER OF COURT
TO THE PROTHONOTARY:
Kindly enter Judgment against the Defendant, PATRICIA M MEIXNER, in the amount of
$7049.21 computed as follows:
Amount Awarded: $6401.36
Interest at the interest rate of 13.24% $647.85
From January 31, 2012 to November 5, 2012
TOTAL: $7049.21
Attached is a copy of the Court Order in favor of Plaintiff for Judgment.
WELTMAN, WEINBERG & REIS, CO., L.P.A.
By: ,
v ~~
William T Molczan, uire
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412)434-7955
Plaintiffs address is: c/o Weltman, Weinberg & Reis, Co., L.P.A., 1400 Koppers Building, 436 7`h Avenue,
Pittsburgh, PA 15219
And Defendant's address is: 40 WINCHESTER GARDENS, CARLISLE, PA 17013
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to
unsworn falsification to authorities, that the parties against whom Judgment is to be entered according to
the Praecipe attached are not members of the Armed Forces of the United States or any other military or
non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940. The undersigned
further states that the information is true and correct to the best of the undersigned's knowledge and belief
and upon information received from others.
WELTMAN, WEINBERG & REIS CO., L.P.A.
William M lcz squire
PA 1.D.#47437
Weltman, We' erg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#09578334
IN THB COURT OP COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CNIL DMSION
DISCOVER BANK,
THROUGH ITS SERVICING AGENT,
DB SERVICING CORPORATION,
Plaintiff,
vs.
PATRICIA M. MEIXNER,
Defendant.
CaseNo.: 12-2479 Civil
ORD>i:R OF COURT
AND NOW, to-wit, this ~ day of ~~ 2012 upon Plaintiffs Motion for
Summary lodgment, 1T IS HEREBY ORDBRED, ADJUDGED AND DECREED that said Motion is
GRANTED and Judgment is stared in favor of Plaintiff for $5,401.3b with interest at the legal interest
rate of 13.240•x6 per annum from January 3 1, 2012, plus casts.
BY TIdE COURT
~~
~ ~ '~, ~=
~ ~ --a ~ e.
.~ ~~ ~ ..a:. -,
.--; _..
~~: _
a `~` ;~ -~; ~:'
~xi
~,
WWR No. 9578334
~~ -S~.
/~
IN THE COURT OF COMMON PLEAS OF CUMBERLANDCOUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK, THROUGH ITS
SERVICING AGENT, DB SERVICING
CORPORATION
Plaintiff Case No.: 12-2479 CIVIL
vs.
PATRICIA M MEIXNER
Defendant.
NOTICE OF JUDGMENT OR ORDER
TO: ( )Plaintiff
(xx) Defendants
( )Garnishee
You are hereby notified that th f Mowing Order or Judgment was
entered against you on \\ ~
(xx) Assumpsit Judgment in the amount
of $7049.21, plus interest at l 3.24% per annum, plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60) days, your motor vehicle
operator's license and/or registration will be suspended by
the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, PA.
(xx) Entry of Judgment of
(xx) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
( ) Arbitration Award
( ) By Consent:
Prothonotary
PATRICIA M MEIXNER
40 WINCHESTER GARDENS
CARLISLE, PA 17013
By:
PROTHONOTARY (OR D UT