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HomeMy WebLinkAbout12-2986Our File No.: 339895 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK c/o DB SERVICING CORPORATION 6500 NEW ALBANY RD NEW ALBANY OHIO 43054 Plaintiff, vs. MARK C WADAS 111 NPENN ST SHIPPENSBURG, PA 17257-1311 Defendant. ur i 20 2 MA Y 14 PPS 1'): (- ," CUMBERLAND y PENNSYLVANIA COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: / ? - c278lp l I tj'g , NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 34 S. BEDFORD ST. CARLISLE PA 17013 717-249-3166 0/6 3. e K--It s8? s7 Our File No.: 339895 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK c/o DB SERVICING CORPORATION 6500 NEW ALBANY RD NEW ALBANY OHIO 43054 Plaintiff, vs. MARK C WADAS 111 N PENN ST SHIPPENSBURG, PA 17257-1311 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: CIVIL ACTION COMPLAINT FIRST COUNT 1. Plaintiff is Discover Bank ("Plaintiff'), a Delaware State Bank and issuer of the Discover Card. 2. Defendant(s) is/are MARK C WADAS, an adult individual residing at 111 N PENN ST SHIPPENSBURG. PA 17257-1311. 3. At the special instance and request of Defendant, Plaintiff, DISCOVER BANK, issued to Defendant(s), Account # ending in 8863. 4. Defendant received, accepted and used the account to its benefit. 5. This account is in default and Defendant(s) has an unpaid balance of $10,615.00. A true and correct copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". 6. All credits.. if any, to which Defendant(s) is entitled, have been applied to the account and are included in Exhibit "A". 7. Although demand has been made, Defendant(s) has failed to make payment of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $10,615.00 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER 8? SOCIATES, P.C. Attorn y f r Plaintiff A Law Firm En ag in Debt Collection BY: David J. Apol<aker, Esquire Dated: 5/1/2012 Our File No.: 339895 VERIFICATION I, David J. Apothaker, Esquire, hereby verify subject to the penalties of 18 Pa.C.S. §4904 relating to unworn falsification to authorities that I am counsel for Plaintiff in this action, that I make this Verification based upon the facts as supplied to me by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court, and that the facts set forth in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. APOTHAKER 8l SOCIATES, P.C. Attorney f r Plaintiff A Law Firm Enoag d in Debt Collection BY: David J. Apolkaker, Esquire DATE: 5/l/201'? New Balance [Miim n um Payment Que DISCOVER $10,615.00 s1,708.00 Payment Due Date April 13, 2012 18 SDSNSA010012524 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 8863 Enter Amount Enclosed Below Text APP to DISCOV* to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 {{{setllunis{{{u{tus{{{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? {rr{r{?rr?ur{r{len{n{r{rn{{Ilnrlu{n{rr{Inlrrlulilrrl{ Go to www.Discover.com or print change in space above. Opening Date: February 19, 2012 - Closing Date: Ma Discover More Card Account Summary Account number ending in 8863 Previous Balance $10,615.00 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance $10,615.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Line Available $0.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Line Available $0.00 Cashback Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To tram m e, login as www.Disr.o"r.com 3 Easy ways to Contact Us 1 . Access your account securely at www.Discover.corn 2. Call 1.800-DISCOVER (1-800-347-26831 Please have your Discovere card available. 3, Write to us at Discover, PO Box 30943, SaR Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deal) assistance, please call 1-800-347.7449. ,cn 1 a, Lu I L page 1 Of 1 Payment Information New Balance $10,615.00 Minimum Payment Due* $1,708.00 Payment Due Date April 13, 2012 *Includes past due amount of $1,495.00 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 19.249'• 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 10 years $10,615 payment IF you would like information about credit counseling services, call 1-800-3A7-1121. Manage Your Account Online at www,Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bids online and easily track all transactions • Make your money worth moreSM -find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2012 Totals Year4o-Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCIOVER Paperless statements mean less clutter, more convenience i Easily access up to 2,4 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. i • Print a paper copy of your statement anytime. • Sign up today at Discoveccom/paperfess I r I 02010 D4--, Bank, Member FDIC PAPER.0310 !n z rn b o_ 0 P N N A X w Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). ys DISCOVER' It MARK WADAS f Account number en ding in 8863 page 2 of 2 Interest Charge, Calculation a Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 29 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE E ECT TO INTEREST CHARGE RATE WR) RAT Purchases 14.24% V $0 $0 Past Purchases 17.2A% V $0 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $0 $0 V =. Variable Rate Additional Important lafonnalion See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1.800-347-2683. What To Do llf You Think You Find A Mistake an Your Statement iyf ou think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 8A 130-0,421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description Prr oblem. If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mista ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wri . 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 I. 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, i f we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have, to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must hove 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 ore 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 hove used your credit card for the urchase. Purchases made with cash advances from on ATM or with a check that accesses your credit card accou"F, o not qualify. 3. You must not yet have fully paid for the purchase. if all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe on 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 Payment Due Dote. 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 o make an electronic fund transfer From your account at the financial institution indicated on your check or to process the Payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make.an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of yyour payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to anyy other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any de,y will be credited to your Account as of that day. Payments received of our processing facility after 5PM local time will be credited to your Account as of the next day. If you have mispkxed your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 7- i 0 days, for delivery. if your payment is returned unpaid, we reserve the riq{t io resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, ovefi the telephone or yo0 can setup automatic payments through a customer service representative by calling 1 800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date (e.g. the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4Nigits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con 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 con 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. It your scheduled payment is greater than the New Balance on your billi ng statement, that payment will be processed 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. Avrount: ? Full Pay ? Min Pay ? Min Pay + $_ ? Fixed Pay$-Lrn Bank Routing Bank Account #: Frequency: c° z Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or o other defaults on your Account may be reflected in your credit report, We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete, please write g us of the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, ro home telephone number and Account number. u N A Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the X daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying ra interest on Purchases as described below. However, you cannot ovoid paying interest on Balance Transfers or Cash Advances. How to Avoid Payinq Interest on Purchases ("Grace Period") 1T you paid The New)donce on your previous i?b in1 ng statement by the Payment Due Date shown on that billing statement, we wilt not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. N. Purchases are Purchases that first appear on the current billing statement. How We A f P mep Ma Im act 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 Bolgnce Method (including current transactions). We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the iest day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying interest" section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges, The sum is the total interest charge for the billing period. How We include fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover ''s card is issued by Discover Bank, Member FDIC RZNF EOn1 Questions? Visit www.Discover.com or ?ISC?VER cdl 1-800-DISCOVER (1-800-347-2683). FDCf%KI A 1 1AICAD AA A71r%K1 • ? caantnvco 'tl ra,.:.,a..:F G./.:I::n'? • - SAT14 FS L. . i ?i?l7tc,x".?T•t<ty. ?'.? w')i Yf.: .?4:La 'r. TIME Al PRESENT ADDRESS ' ?:#• "` 'L t / YEARS ? SAVVINGS ACCOUNT •. ®,.CHECIONG ACCOUNT I 'A6mary and aLlppo.f. or aeparots maWwonae km m. p9 nw b. dixlosed if you donawish in to coiuldx 7as ba3b { r,epotanent, 6wepr fer (vrlti.ne aprdanb, you Ilwut bone o miliapmi vuNeol 6o-M.-l iamme of S75,ooo xs bs tamidm.d'For oay Gscover cord. 60.0! owd,ollows v= ropend you imporlaptq?uitligFo(moNoa end rvecid o8.,a.t CHECK 1F [} FU11SiME STUDENT E-MAIL ADDRESS IP,ovi&v ww e•mdl addram is Mork C. Wndas III N Pena St Shippensbvrg, PA 17257--M I INVITATION #.- 9875'356755526 M-SAC-04-QXF8 NMAL CRW-. Up to $?5pm REPLY BY: Pebrnclr 1.5, 20D7. • DDITIONAL CARD Add the people closest to you b your account for FREE Prepare tftant Tor,emergeru ies as,d ever ydoy purehases yrfiilr yotr stay in cmirol of your occotmf. _L? ?C:C Cc LF C- E CC1= C r [=C TIC CUT- TEF-[ T I- FWM NM1EfANWM R43V&/ AST NAME MUN AND RETURN _ YES.ILLanl16aWf10fxtaryroLponrdmm"onWdbyef 4gi vi D'ocasA.YvpmauRc GortIunderliow6otbapow"sop5rrm A - - '- ----- - ---..ry;r r.+--?,? ;--- ('? F .?dl*- M6oel-aLry6me,IbmArmdoAW"bLKemm w bore read aglcefulh.bnPu4Nitfomta5x?oalFsrovewj.Rloma?t 1wwd:4 .cotgiddledf&;`: s•;s'.DA7E. +!lr! FmlerLan6l?ollonrkFalnatanlomiedmtlymeu? ?OSscweryWwakaeAcmdtel[vadbiya# Pm?,esslbo$ee p y'??p??myapp6mFon;" r ?/ -- n.orm knbimepa4oesmoaaeRwe6ossfalhutOPO*Gfhf Pi b?lx4kdbylavr?'. _ •,: i '•'`` °' IniHol kei? 0 DO YOU: (0 OWN 0 REM' SOCIAL SECURITY #1 DATE OF 8WlW mwf 6e of WW I8 ya, of age f l ' + L ? u • I ?1?..'e..Lnl'1%L?:?`. 't. alb ??I';V y,. Y ? r ,f__ ACCQUNTNUMBER --E-_- _?=tCc?-r,??CCc? :, "''•"•CTtEDITCARD'1SSUER T T??-??'-Cil?i-cui TRANSFEiLAMOUlSF ?,__,?Zu,,.:_ I SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Discover Bank vs. Mark C. Wadas SHERIFF'S RETURN OF SERVICE Case Number 2012-2986 05/24/2012 08:24 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on May 24, 2012 at 2024 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Mark C. Wadas, by making known unto himself personally, at 111 N. Penn Street, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $48.00 May 25, 2012 RYAN BURGETT, SO ANSWERS, RON R ANDERSON, SHERIFF C -busty i to iheni? i c . ?s::it. Ins.;. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK c/o DB SERVICING CORPORATION: Plaintiff CIVIL ACTION - LAW V. NO. 12-2986 Civil Term MARK C. WADAS Defendant Petition to Enter Appearance 7012 -LI I I AH 10: '' EF(L IJ CO T'( PENNSYLVANIA Please enter my appearance as the attorney representing the Defendant, Mark C. Wadas, in the above captioned case. submitted, J s Vincent Natale, Esquire #208790 arold Shepley & Assoc., LLC 209 West Patriot St. Somerset, PA 15501 (814) 444-0500 Attorney for Defendant r t{L ,? '? 1 t3Uisc? lr4 , Pte,] 1c ar 13ERL AND i;0L" 4 ;' PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK c/o DB SERVICING CORPORATION: Plaintiff V. MARK C. WADAS Defendant CIVIL ACTION - LAW NO. 12-2986 Civil Term DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P.1028 AND NOW COMES the Defendant, Mark C. Wadas, by and through his attorney, James Vincent Natale, Esquire, and makes this Defendant's Preliminary Objections pursuant to Pa.R.C.P. 1028 as follows: COUNT I 1. Plaintiff has failed to plead the date that Defendant allegedly made the last payment on the alleged account. 2. Plaintiff claims that Defendant used the alleged credit card. 3. Plaintiff failed to specifically state the dates of the alleged purchases 4. Plaintiff failed to specifically state the place where the alleged purchases were made. 5. Plaintiff failed to specifically state what items were allegedly purchased. 6. Plaintiff failed to specifically state the amount purchased for each item. 7. Plaintiff failed to specifically state the dates of any alleged cash advances. 8. Plaintiff failed to specifically state the amounts of each alleged cash advance. 9. Plaintiff failed to specifically state the dates that Plaintiff alleges that Defendant made payment on the alleged account. 10. Plaintiff failed to specifically state the amounts of the payments that Plaintiff alleges were made by Defendant. I 1. Plaintiff has failed to provide sufficient documentation and allegations to permit the Defendant to calculate the total amount of damages that are allegedly due, and there for Plaintiff's complaint fails to conform with the requirements of Pa.R.C.P. 1019(a) and Pa.R.C.P. 1019 (f). 12. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P. 1028(a)(3). WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. COUNT II 1. Plaintiff basis its claim on an alleged agreement. 2. Plaintiff failed to specify whether the agreement is oral or written as required by Pa.R.C.P. 1019(h). 3, The alleged application attached to Plaintiff's Amended Complaint is not a substitute for the original agreement because said application does not contain all of the terms and conditions that applied to the alleged account. 3. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P. 1028(a)(3). WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. COUNT III 1. If the contents of the pleading is based upon a writing, then Plaintiff has failed to attach a copy of the original agreement and all amendments to said agreement, or provide a reason why the original agreement and all amendments to said agreement are not accessible and set forth the substance of the writings. 2. Plaintiff's complaint fails to conform with the requirements of Pa.R.C.P. 1019(1). 3. Plaintiff complaint contains insufficient specificity of its pleadings, PA.R.C.P. 1028(a)(3). WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. COUNT IV 1. The verification of Plaintiff's complaint was signed by David J. Apothaker, Esq. 2. Pa.R.C.P. 1024 requires that all pleadings setting forth new allegations be verified by the pleading party. 3. The exception to Pa.R.C.P. 1024 does not apply to the Plaintiff, because although the Plaintiff is outside the jurisdiction, there was no time limit for the filing of the complaint. In addition, the verification does not provide a reason why it is not made by a party. 4. Plaintiff's complaint fails to conform to law or rule of court, Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant demands that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. y submitted, i r Jari s incept Natale, Esquire t.. e. Darold Shepley & Assoc., LLC 09 West Patriot St. Somerset, PA 15501 (814) 444-0500 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK : c/o DB SERVICING CORPORATION: Plaintiff CIVIL ACTION - LAW V. NO. 12-2986 Civil Term MARK C. WADAS Defendant CERTIFICATE OF SERVICE I served this Petition to Enter Appearance, Defendant's Preliminary Objections, and Brief by U.S. Mail, postage prepaid, 520 Fellowship Road C306, Mount Laurel, NJ 08054 on David J. Apothaker, Esq., the attorney for the Plaintiff, Discover Bank on June 8, 2012. I declare under penalty of perjury that this information is true. Date:- ?- j J Server's Signature Printed Name and Title Harold Shepley & Assoc., LLC 209 West Patriot St. Somerset, PA 15501 Server's Address Our File No.: 339895 APOTHAKER &t ASSOCIATES, P.C. By: Benjamin J.'Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, Na 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK vs. Plaintiff, MARK C WADAS Defendant. f o1N a` TA, COWY 1Et`NSYLVAN IA NOTIC'F. Civil Action You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 34 S. BEDFORD ST. CARLISLE PA 17013 717-249-3166 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 12-2986-CIVIL TERM Our File No.: 339895 APOTHAKER 8; ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NCI 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK vs. MARK C WADAAS Plaintiff, Defendant. Civil Action AMENDED COMPLAINT FIRST COUNT 1. Plaintiff is Discover Bank ("Plaintiff'), a Delaware State Bank and issuer of the Discover Card. 2. Defendant is MARK C WADAS ("Defendant"), an adult individual residing at 111 N PENN ST SHIPPENSBURjG, PA 17257-1311. 3. Defendant applied for, received and used a credit account issued by DISCOVER BANK, account number ending in 8863 ("Account"), pursuant to a written agreement ("Agreement") 4. True and accurate copies of the Agreement, credit application and credit card statements for the Account are attached hereto and incorporated by reference herein. 5. Under the terms of the Agreement, Defendant was given the right to use the Account to make purchases, cash advances, and/or balance transfers. 6. Defendant, in return, promised to timely pay the principal balance accumulated plus interest, fees and penalties where applicable. 7. Defendant's use of the Account in the manner described above constituted acceptance of the terms of COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 12-2986-CIVIL TERM the Agreement. v 8. Defendant defaulted under the terms of the Agreement by failing and refusing to make timely payments on the Account, although demand was made for same. 9. The last payment on the Account was recorded on or about August 14, 2011. 10. The attached credit card statements include a statement evidencing the last payment on the Account. 11. The Account was charged off with an outstanding balance of $10,615.00. 12. The attached credit card statements include a statement evidencing the charge-off balance for the Account. 13. Plaintiff has suffered monetary damages in the amount of $10,615.00. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $10,615.00 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Eneaged in Debt Collection BY: Benj in J. Ca allaro, Esquire VERIFICATION (Name) (Title) of DB Servicing Corporation, the servicing affiliate for Discover Bank, does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities and states, that he/she is a duly authorized representative of plaintiff herein and authorized to make this verification, and that the facts set forth in the foregoing Complaint are true and accurate to the best of his/her knowledge and information and that he/she is familiar with the manner and method by which plaintiff maintains its normal business books and records, including computer records of defaulted accounts. S/he is also familiar with the relationship between Discover Bank and DB Servicing Corporation. That Discover Bank, f/k/a Greenwood Trust Company, is an FDIC insured Delaware State bank, and'its servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, among other things, business management services, customer service, and collection of delinquent accounts. The collection of delinquent accounts includes the right to forward the same to the attorneys to file suit on Discover Bank' a . Both DB Servicing ation and Discover Bank are J?6 wholly owned subsidiaries o iscover Financial Services. 1 Date: Signature) Defendant's Name: MARK C WADAS Account Dumber: ending in 8863 _ Our File No.: 339895 DB Servicing Corporation servicing affiliate for Discover Bank P. O. Box 3025 New Albany, OH 43054 r: ll © ?l Y O M PERSONAL INFORMATION OF tiME K PRESENT ADDRESS I DOYOU! OWN Q REt4r mom'"""""= SOCIA4. SECUR W Ri I be a* low la ym of age CHECK if- 0 T-ull-1ME =DEW E MAIL ADDRESS (P?avidhg youre.m ile Add the flf=NAMEJMI M SIGN AND F _ rah hove Rod a oBrsOfiecvm mr«moGcn b s r ribb bbnodian B taquiAd b COm?efs dds App6option. SAT14 FS a Mork C. Wedos I1.1 N Penn& _ r :'' YEARS WWmtsbwg, PA 1725?.-1x311 DO:YCQII,HAYEA! .1 ? SAVINGS ACCOUNT CHECMHG ACCOUNT l *Ab. y, dM wpp4 ?r xpaals me rWw a %cros need rrot be d?+cks.dAyoa da mtwars ro mn+tder Bes God, brnpayme3 rya for fad aMrdvtl>t, yon tnW r here n mitimlmi nmKNl itwas6oltl income of 515,000 ksb. talddsed for oay Dbwrer Card. tG-J r.tri dam,.: m m.J vea imDodw?. Atwentido mAM and mood Ohm) INWAIM f. 9875356755526 -SAC-04-W8 INTnu mm. Etp to $?5,Q04 RMY BY: ?ebtuCtr4,'?QD7 CARD a toyou joy= amountfot FREE. hepoxe the o bocetnetgeneics 6s?eiefyday punchcses- i?il?you stay in conho( of yvvr exconot. HCC.. NTE1 ELL MT EEELIT ECCiT-?TCTCTC :TURN _ ' :: . ? •.? ? :- •: • .:: •- :_ • • • . ,. vES I,?r?eabp,,b?imya?i?«?h?taty?;n 117 1?7 s,"or'd wyft?io?aveelad* m-ow ? w -- rlateas?ntmpartal?Mfolrna6anbmledan711ereras? ImporbnHr mwfien [OR & wiftel aloft* d?tomdsoiMadbYro'*P09-. . Ipticllierrw x of byide:?lor+? ' ; onoonmebossFix W uposean?jE?plrifae=1 U L1l r 111:tA>t+?/??.U, Ill A.L ?;.t ..,.. .tl 11. .w. ALCQUt7rNUMBER 0:1-?-tCCC t r .r.D[CCARU155t1ER _C=LL _-_ ` r_0. C = TRAtJSFERAMt1U1SF TLC. I=? - E , T-C?TCCI 1=??CC m- c _r_?C_r^rc?T000_CTCCC °?C11??.'?C-i DISCOVER CARD IMPORTANT INFORMATION ABOUT YOUR DISCOVER' PLATINUM CARD ACCOUNT CARDMEMBER AGREEMENT The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Acceptance of Agreement and Right to Reject Arbitration" section. SEE PAGES 1 - 12 PRIVACY POLICY A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others ......... SEE PAGES 13 - 16 BILLING RIGHTS Important information about your rights and our responsibilities under the Fair Credit Billing Act ..... ..............................SEE PAGES 16- 17 DESCRIPTION Of COVERAGE The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile ..... SEE PAGES 17 - 23 0 2006 Discover Bank, Member FDIC P314001.0406TL17 CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover' Card Account It contains the terms and conditions of your Account, some of which may-have changed from earlier materials provided to you. In the event of any differences, this Agreement shall control. We respect your privacy. See the Privacy Section on page 9 and our Privacy Policy for additional information. The Arbitration of Disputes Section on page 11 includes a waiver of a number of rights, including the rightto a jury trial, Acceptance of Agree- ment and Right to Reed Arbitration section on page 2 describes the procedure you must follow if you desire to reject the Arbitration of Disputes Section. CARDMEMBER AGREEMENT Agreement Terms ........................................... i Acceptance of Agreement and Right to Reject Arbitration ............................ ............. 2 Use of Your Account ............................ ............. 2 Authorized Users ............................... ............. 3 Unauthorized Use .............................. ............. 3 Credit Limit-Available Credit ..................... ........ . ... . 3 Promise to Pay ................................. ............. 4 Monthly Billing Statement ....................... ............. 4 Monthly Payment Options ....................... ............ Minimum Monthly Payment ...................... . . ........... 4 Credit Balances ... ......................... ............. 5 Balance Transfers ............................... ............. 5 Periodic Finance Charges .. . ................ . . ... ............. 5 Default Rate Plan .............................. ..............7 Cash Advance Transaction Fee Finance Charges ...... ............. 7 Balance Transfer Transaction Fee Finance Charges .... ............. 7 Minimum Finance Charge ........................ ............. 8 Late Fee ...................................... ..............8 Overlimit Fee .................................. ..............8 Returned Payment Fee. .................. ... .... ............. 8 Returned Discover Card Check Fee ................ ............. 8 Stop Payment fee .............................. ............. 8 Pay-by-Phone Fee .............................. ............. 8 Research Fee .................................. ............. 8 Default-Acceleration-Collection Costs .............. ............. 8 Cancellation ........... .................. ............. 9 Privacy ....................................... ............. 9 Electronic Communications ........... . ......... ............ . .10 Credit Authorizations ........................... ............ 10 Change of Terms ......... ... ... ........... ............ 10 Change of Address or Telephone Number .......... ............ 10 Assignment of Account .......................... ............ 10 Claim Notices ................................. ..............10 Arbitration of Disputes ......................... ............. it Severability ................ .. ............... ..............12 Compliance with Interest Rate Limitations .. . ...... ..............12 Governing Law ............................... ..............12 AGREEMENT TERMS. The word "Account" means your Discover Card Account. The word "Card" means any one or more Discover Cards issued to you or someone else with your authorization. The words "you", "your", or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. The words "we", "us" and 'our' refer to Discover lank, the issuer of your Discover Card. The words "Authorized User" mean any person whom you authorize to use your Account or a Card, whether you notify us or not. The words "Priemg Schedule" mean the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule 4 part of this Agreement. ACCEPTANCE OF AGREEMENT AND THE RIGHT TO REJECT ARBITRATION. The use of your Account or a Card byyou or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, Including the Arbitration of Disputes provision on pages 11-12. You may, however, reject the Arbitration of Disputes section by providing us a notice of rejection whin 30 days after receiving a Card, at the following address: Discover Card, P.O. Box 30938, Salt Lake City, UT 84130-0938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be sent wit h any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party; Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respect to that prior account. USE OF YOUR ACCOUNT. Your Account may be used for; • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign currency, and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment Your Account may be used for personal, family, household and charitable purposes. Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agree- ment or for any transactions that are unlawful where you reside or -2- where you are physically located when you use the Account to initiate the transaction "Prohibited Transactions". Prior to its use, each Card must be signed by the person to whom it is issued. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you, You must return any Card or unused checks to us upon request. If a merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute, if we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant andlor any third parry for the credited amount Upon our request, you agree to provide us with written evidence of such assignment. Your rights and responsibilities under the Fair Credit Billing Act described in the billinngg rights summary on pages 16-17 and on the back of your monthly billing statement apply only to credit card transactions. The Special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance, or promotional purchase check. Therefore, if you have a problem with the quality of goods or services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. AUTHORIZED USERS. If you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us in writing or by telephone and destroy any Card in that person's possession. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give), UNAUTHORIZED USE. If a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER (1- 800-347.2683), or by writing DISCOVER CARD, PO Box 15156, Wilmington, DE 19886-1002. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our investigation. if you have enrolled in an automatic billing arrangement, such as a monthly gym membership, and wish to continue the automatic billing arrangement, you must provide the merchant with your new Account number. CREDIT UMIT-AVAILABLE CREDIT. We will advise you of your Account credit limit. We may impose a lower limit that will apply to cash advances, referred to as the cash advance credit limit. We may also impose a lower limit that will apply to balance transfers, referred to as the balance transfer credit limit You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit limit. If you exceed your Account credit limit, we may request immediate payment of the amount by which you exceed your Account credit limit. We may increase or decrease your Account credit limit, your cash advance credit limit, or your balance transfer credit limit without notice. The credit available for your use may, from time to time, be less than your Account credit limit. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we 3- receive. Your available credit will not be increased by the amount of any credit balance. PROMISE TO PAY. You agree to pay us in U.S. Dollars for all purchases, cash advances and balance traders including applicable Finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not nob us that others are using your Account or a Card. We will convert purchases and cash advances made in a foreign currency to U.S. Dollars at the rate we are charged on the date of conversion. ff you pay us in other than U.S. Dollars, we may refuse to accept the payment or charge your Account our cost to convert your pa ment to U.S. Dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. if your Account is a joint Account, each of you agrees to be liable individually and jointly for the entire amount owed on your Account We can accept late payments or partial payments or checks and money order marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement. MONTHLY BILLING STATEMENT. We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account during the billing period. R will show your New Balance, Minimum Payment Due and Payment Due Date, MONTHLY PAYMENT OPTIONS. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due, All payments must be made in accordance with the terms, including the payment cutoff time, stated on your monthly billing statement, and we will credit your Account in accordance with those terms. In addition, we reserve the right to change those terms without prior notice as permitted by law. We will apply payments and credits to the New Balance shown on your current billing statement in order of the Annual Percentage Rate applicable to the balance of each transaction category (as referenced in the Periodic Finance Charges Section), generally from lowest to highest beginning with the balance sub)'ect to the lowest Annual Percentage Rate. We then apply payments and credits to any new transactions using the same method. However, we have the right to apply payments and credits to balances with higher Annual Percentage Rates prior to balances with lower Annual Percentage Rates, such as when there are two initial special rates applicable to your Account and the lower Annual Percentage Rate will expire before the higher Annual Percentage Rate. MINIMUM MONTHLY PAYMENT. The Minimum Payment Due each month will be the greater of: (1) $15 or the New Balance if the New Balance is less than $15; or (ii) any amount past due plus the greater of (a) 2% of the New Balance (excluding current Period Finance Charges, Late and Overlimit fees or (b) current Period Finance Charges plus Late and Overlir fees pus ?15 (not to exceed 3% of the New Balance), with (a) and (b) rounded up to the nearest dollar. However, the Minimum Payment Due will never exceed the New Balance. In calculating the Minimum Payment Due, we may subtract certain fees added to your Account during the billing period. We may also include in your Minimum -4- Payment Due all or a portion of the amount by which your outstanding balance exceeds your Account credit limit as of the last day of the billing period. Paying the Minimum Payment Due may be insufficient to bring your Account balance below your Account credit limit and, consequently, may not avoid the imposition of an additional Overlimit Fee described in the Overlimit Fee Section. We may from time to time allow you to not make a minimum monthly payment, and will notify you when this option is available. if you take advantage of this offer and do not make a minimum monthly payment finance charges and any applicable fees will accrue on your Account in accordance with this Agreement, and you must pay the Minimum Payment Due for the following billing periods. CREDIT BALANCES. We will refund any credit balance within seven business days from receipt of your written request if you do not request a refund, we will automatically refund credit balances greater than $1.00 that remain in your Account after 6 months. BALANCE TRANSFERS. We may periodically offer you the opportunity to transfer balances from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain an initial special rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rate Plan Section, and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, If applicable. After the expiration of this time period, the Annual Percentage Rate that applies for purchases will apply to transferred balances. Balance transfers subject to the initial special rate are referred to as special rate balance transfers; balance transfers for which the initial special rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. ' PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transact ion is pposted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on your current billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current statement. We call this the " race period." There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases sub'ect to a promotional rate and purchases subject to a standard rate woul? be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction cate ory: Average Daily Balance x number of days in the billing period x Dai Periodic Rate. (You may refer to the finance charge summary on your ?illlng statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction -5- category to get the total Periodic Finance Charges for your Account The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the two-cycle average daily balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means if you did not pa the New Balance shown on the billing statement you received during the previous billing period by the Payment Due Date shown on that statement we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement, as well as new purchases that first appear on the current billing statement unless we already imposed Periodic Finance Charges on the purchases on your previous billing statement We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the numberof days in the billing cycle. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions made that day, fees charged that day and Periodic Finance Charges accrued on the previous days. daily balance; and by then credits and payments that are appplied against the subtracting any balance of the transaction category on that day, in ca lculating the daily balance foiethe previous billing period, we consider the 'previous days daily balance" to have been zero on the first day of the billing period. If a transaction is posted to your Account after the close of the billing period in which it occurs, we will treat the transaction as having occurred on the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. The Daily Periodic Rate and corresponding Annual Percentage Rate that apply to each transaction category are either fixed rates or variable rates as set forth in your Pricing Schedule or in anyspecial offers you receive from us. The Daily Periodic Rate is 11365th ofthe corresponding Annual Percentage Rate. Variable Annual Percentage Rates are determined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For urposes of this Agreement, the Prime Rate is the highest rate of interest fisted as the "prime rats" in the Money Rates section of The Wall Street Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same -6- month as the change in the Prime Rate. An increase in the Annual Percentage Rate will usually result in an increase in your Minimum Payment Due. DEFAULT RATE PLAN. We will review your Account on the last day of each billing period to determine the Annual Percentage Rates that will apply to your Account. If we did not receive at least the Minimum Payment Due by the Payment Due Date, then the standard ANNUAL PERCENTAGE RATE for purchases will be increased by five percentage points, not to exceed 2839%, and remain as either a fixed or variable rate based on the type of rate in effect before the increase. In addition, any special rate on balance transfers and any introductory or promotional rate on purchases that currently applies to your Account, and any such rate that we have previously offered to you, will terminate and increase to be the same rate and change to be the same type (fixed or variable) as the new standard Annual Percentage Rate for purchases. If any other Annual Percentage Rate applicable to your Account such as your Annual Percentage Rate for cash advances, is less than or equal to the new standard Annual Percentage Rate for purchases, it will change to be the same type (fixed or variable) as the new rate and if it is less, it will increase to the new rate. If any rate exceeds the new rate, R will not increase or change type. The Prime Rate is the index for any variable rates. Any increased rate and change in type will apply beginning with the first day of the billing period in which we did not receive at least the Minimum Payment Due by the Payment Due Date. if your standard Annual Percentage Rate for purchases was increased under this or any previous version of the Default Rate Plan and, for any nine consecutive billing periods ending after April 1, 2006, you pay at least the Minimum Payment Due, if any, by the Paymant Due Date, then your Annual Percentage Rate for your new purchases will be reduced and your Annual Percentage Rats for your existing purchase balance may be reduced. Any reduced Annual Percentage Rates will apply beginning with the first day of your tenth billing period. CASH ADVANCE TRANSACTION FEE FINANCE CHARGES. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee Finance Charge of 3% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $5.00 and no maximum. The imposition of Cash Advance Transaction Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the billing period charged under this Section to any Periodic Finance Charges calculated under the Periodic Finance Charges Section for each cash advance transaction category and add up these amounts. BALANCE TRANSFER TRANSACTION FEE FINANCE CHARGES. If the balance transfer offer you receive contains a Balance Transfer Trans- action Fee Finance Charge, we will charge you a Balance Transfer Transaction Fee Finance Charge for the amount of each balance transfer made under that offer. If there is a Balance Transfer Transaction Fee Finance Charge in conjunction with the offer you received when you applied for an Account, it will be in the amount set forth in the Pricing Schedule. The imposition of Balance Transfer Transaction Fee Finance -7- Charges may result in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer Transaction Fee Finance Charges calculated under the Periodic Finance Charges section for each balance transfer trans- action category and add up these amounts, MINIMUM FINANCE CHARGE. We Mil charge you a minimum FINANCE CHARGE of $30 for any billing period in which some FINANCE CHARGE of less than $.50 would otherwise be imposed. LATE FEE. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of that billing period. If the sum is equal to or less than $500, the Late Fee is $15, and if the sum is greater than $500, the Late Fee is $39. OVERUMIT FEE. We will charge you an Cvedimit Fee each time that, as of the dose of a billing period, your outstanding Account balance exceeds your Account credit limit. This fee may be charged even if the transaction which causes you to exceed your Account credit limit is authorized by us or if you exceed your Account credit limit due to the posting of Finance Charges or fees to your Account. The amount of the Overlimit Feb is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and finance Charges at the end of the billing period. If the sum is equal to or less than $500 and you exceed your credit limit, the Overimit Fee is $15. If the sum is greater than $500 and you exceed your credit limit, the Overlimit Fee is $39. RETURNED PAYMENT FEE. We will charge you a Returned Payment Fee of $35 each time you pay us with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit account from which you have authorized us in writing, electronically, or orally to periodically deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. RETURNED DISCOVER CARD CHECK FEE. We will charge you a Returned Discover Card Check Fee of $29 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. STOP PAYMENT FEE, We may charge a Stop Payment Fee of $15.00 each time we stop payment at your request on a cash advance check, balance transfer check, promotional purchase check, or other promotional check. PAY-BY-PHONE FEE. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will charge a Pay-by-Phone Fee of $15 for each such transfer or payment. RESEARCH FEE. We may charge you a Research Fee of $5,00 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT-ACCELERATION-COLLECTION COSTS. You are in default if you become insolvent; if you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or -a- unwilling to repay your obligations to us; if you are declared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; it you die; if you fait to comply with the terms of this Agreement; including failing to make a required payment when due, exceeding your Account credit limit or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. if you are in default, we m declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys' fees and court or other collection costs as permitted by law and as actually incurred by us, including fees and costs in connection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. CANCELLATION. You may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that we have provided you. Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. If your Account is a joint A<count either Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a card) without notice. PRIVACY, We respect the privacy of information about you and your Account. Our Privacy Policy includes a summary of the personal infor- mation we collect, when it may be shared with others, how we safe- guard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement. As indi- cated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report, We normally report to such credit reporting agencies each month, if you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover Card, PO Box 15316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. We may from time to time review your credit, employment and income records. Our personnel may listen to or record telephone calls between you and our representatives without notice to you as permitted by law. We may use any medium, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded tele- phone calls, and e-mail to contact you about your Account or offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, call us at 1-800-DISCOVER or write to us at Discover Card, P.O. Box 15354, Wilmington, DE 19850, We provide various methods by which you can obtain information about your Account. We will only release such information to you, any Authorized User that our records indicate is an authorized buyer on your Account, and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security measures cannot insure against unauthorized inquiries. You agree that -9- we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has teamed other identifying characteristics about you such as your personal identification number, Account number or social security number. ELECTRONIC COMMUNICATIONS. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly billing statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. CREDIT AUTHORIZATIONS. Certain transactions will require our authorization prior to completion of the transaction, in some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. CHANGE OF TERMS. We may change any term or part of this Agreement, including, but not limited to, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed, or add any new term or part to this Agreement. If required by law we will send yod a written or electronically delivered notice at least 15 days before the change is to become effective. We may apply any such change to the outstanding balance of your Amount on the effective date of the change and to new charges made after that date. You may be offered the opportunity to reject some of the changes, and if you do, you must notify us In writing or electronically, within 15 days after the mailing of the notice of change at the address provided in the notice of change, in which case your Account will be closed and you must pay us the balance that you owe us under the existing terms of the unchanged Agreement. Otherwise, you will have agreed to the changes in the notice, Use of your Account after the effective date of the change will be deemed acceptance of the new terms as of such effective date, even if you previously notified us that you did not agree to the change. We may also change any term of any product, service, or benefit offered in connection with your Account, We will notify you as required by law or by the terms of the product, service, or benefit. CHANGE OF ADDRESS OR TELEPHONE NUMBER. If you change your address or telephone number you must notify us of your new address or telephone number within 15 days. ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. CLAIM NOTICES. In the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initi- ating, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ('Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any sup- porting facts; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, with - 10- out limitation, Discover Financial Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at P.O. Box 8040, Hilliard, Ohio 43025 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. ARBITRATION OF DISPUTES. In the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver'). Notwithstanding anything else to the contrary in this arbitration provision, only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit, and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, so long as the claim is pending only in that court and does not exceed $5,000.00. Your Account involves interstate commerce, and this provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or the National Arbitration Forum (NAF) in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Avenue, Floor 10, New York, NY 10017-5905, www.adr.ora (phone 1-800-778-7879) or NAF at P.O. Box 50191, Minneapolis, MN 55405 (phone 1-800.474.2371). No other arbitration forum will be permitted, except as agreed to pursuant to either the Change of Terms section or a writing signed by both parties. Unless consented to by all parties, no arbitration may be administered by any administrator that has any formal or informal policy, rule or pro- cedure that is inconsistent with or purports to override the terms of this section. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to P.O. Box 15192, Wilmington, DE 19886- 1020. The arbitrator will decide who will ultimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, admini5`•rative or hearing fees to the extent you -11- would have been responsible for paying '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 with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. If requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $100,000,00, any parry may appeal the award within 30 days to a three-arbitrator pane(, which shalt review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, Discover Financial Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. This arbitration provision shall survive termination of your Account as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. SEVERABILITY. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. COMPLIANCE WITH INTEREST RATE LIMITATIONS. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay finance Charges or other charges at a rate that is greater than the maximum amount permitted by law, if it is ever finally determined that, but for this Section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. GOVERNING LAW. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law. _iZ_ PRIVACY POLICY We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mind knowing that that the security of your personal information is our top priority. We understand your concerns about guarding information about you and your Account, We want-to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. It includes a summary of the following important information: A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sites. For example: • We may obtain information such as your name, address and date of birth from applications and other forms you submit to us, • We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. We may obtain information such as the balances of your loanswith other lenders and your payment history with others from consumer reporting agencies, • We may obtain information such as your Internet service provider, your email address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared With Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the Discover' Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf of the retailer by, for example, including an insert in their monthly billing statement or mailing the offer ourselves. We control the information used to make the offer; we do not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, however, circumstances in which we may share the information _;<_ we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to adhere to ourprivacystandards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval. a. Sharing Personal information with Our Corporate Family We are part of the Morgan Stanley family of companies. our co ate family offers a wide variety of products and services that can h7you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer mortgage lending services, securities and asset management services, investment opportunities and mutual funds, and may include non-financial service providers in the future as our corporate family continues to grow. b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third partiees?,, including those that accept the Discover Card, in order to provide you vn'th access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and non-financial companies, such as retailers. c. Sharing Personal Information with Others We may share the information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing, market research and data processing; other financial institutions with which we have joint marketing agreements; or companies that are our partners for cobrand credit card programs or reward programs. We may also share such information as permitted by law. 3. Now Do We Protect The Confidentiality, Security and Integrity of Information About You? We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it in order to service your Account or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support services, we require them to conform to our privacy standards. It is important that the information we maintain about you is accurate and complete, if you see information in your monthly billing statements or' elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover Card, P.O. Box 30943, Salt Lake City, UT 84130.0943 so that we can update this information. 4. How Can You Limit Sharing Of Information About You? We respect your privacy and offer you choices as to whether we may share information about you with others. You have the option to tell us not to share the information we collect about you, as described in Section 1, with non-affiliated third parties. You also have the option to tell us not to share certain information we collect about you, as described in Section 1, with companies in our corporate family. However, this option is limited to information about your eligibility for credit obtained from your ..14- application, such as your income, and from consumer reporting agencies, such as your credit history. If you indicate a preference for either of these options, please understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources or manage your finances. To indicate your preferences, please all us at 1-800.225.5202 or. write to us at Discover Card, P.O. Box 30961, Salt Lake City, UT 84130-0961. If you have previously notified us about your privacy preferences, it Is not necessary to do so again unless you decide to change your preferences. Your written request should include your name, address, telephone number and Account number(s) and should not be sent with any'other correspondence. in order to process your request, we require that the request be provided by you directly and not through a third party. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect until you notify w otherwise. We will honor your request and not share this information except as permitted by law, For example, federal law permits us to share information about you with consumer reporting agencies, service providers and financial institutions with which we have joint marketing agreements. It also permits us to share information about our experiences and transactions with you, such as your Account balance and payment history with us, with other members of our corporate family. If you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, lease understand that you may continue to receive marketing offers dierectly from other companies that were already in production prior to the processing of your request. This Privacy Policy is provided to the primary Cardmember listed on the Account, However, any joint Cardmember has the right to notify us about preferences and we will treat that request as applying to the entire Account. We do not share information about former customers, except as permitted by law. This notification supercedes all previously issued Privacy Policies. We reserve the right to amend this Privacy Policy from time to time and we Will notify you if we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agency, Inc, and Discover Products Inc. it applies to the family of Discover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). It is part of your Cardmember Agreement and provides a further explanation of how we collect and share information. You may have other rights understate laws that apply to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services provided to you b us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 1-800-DISCOVER and authorize us to do so. -15- California Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you. with non- affiliated third parties. Except as permitted by law, we will not share information we tolled about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Art 1. Notify Us in Case of Errors or QueWons About Your 081 If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address fisted on your bill for Notice of Billing Errors. Write to ru as soon as possible. We must hear from you no laterthan 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • your name and Account number. • your dollar amount of the suspected error. • descr€be' he error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount yw think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment Is scheduled to occur. 2 Your Rights and Our Responsibilildes After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your Account credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount ff we didn't make a mistake, you may have to pay the finance char", and you will have to make up airy missed payments on the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent However, if our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. -16- I Special Rule For Coe* Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right; (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply N we own or o erase the merchant, or if we mailed you the advertisement for the goods or services. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE, Discover* Platinum Cardmembers are provided with up to $500,000 Scheduled Air Travel Accident* protection. Whenever you use your Discover Platinum Card (the "credit card") to charge your entire Common Carrier'Fare Ticket on any Commercial Aircraft operated by a Scheduled Air Carrier under a license for the transportation of passengers for hire (herein called Scheduled Air Carrier), you automatically receive this valuable coverage at no additional cost. The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida. *Coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, PA (the "Insurance Company"), with offices in New York, NY. Certain limitations and exclusions apply. PLAN FEATURES Benefit Amount; $500,000 Family Aggregate Principal Sum ACCIDENTAL DEATH BENEFITS. Insurance coverage will be equal to the benefit amount for accidental loss of life. The loss must occur within one year of the accident that caused the injury. Family Aggregate Principal Sum means the total amount of insurance in force on the Cardmember, his or her spouse and their dependent children for any one accident. If more than one insured Person dies as the result of the Injuries received in any one accident, the Family Aggregate Principal Sum will be prorated and paid in accordance with the claim payment and beneficiary provisions of the Policy, once the Family Aggregate Principal Sum is paid for any one Insured Person in a Family that occurs as the result of any one accident, no further benefits are payable for further deaths in that Family due to Injuries received in the same accident. Maximum Accidental Death benefits payable under the Policy, if more than one Cardmember suffers a loss from the same accident, are limited to an aggregate of $20,000,000 for all Cardmembers combined. Any reduction of benefits necessary to compply with this limitation will be made on a proportionate basis to each Cardmember up to this aggregate limit of liability. As used herein, Cardmember means cardmember, his or her insured spouse and insured dependent children. This aggregate limit does not replace or in any way affect the Family Aggregate Principal Sum stated under the Policy, ""Injury" means bodily injury: (a) which is sustained as a direct result of an unintended, unanticipated accident that is external to the body and that occurs while the injured person's coverage under this Policy is in force, and -17_ (b) which directly (Independent of sickness, disease, mentai infirmity, bodily infirmity or any other cause) causes a covered loss. DISAPPEARANCE BENEFITS. We will presume you suffered loss of life cue to an accident if you are riding in a Scheduled Air Carrier that is involved in a covered accident and as a result of the accident, the Scheduled Air Carrier Is wrecked, sink?s, or disappears; and your body is not found within one (1) year of the accident The toW of all benefits payable for you, your spouse and your dependent children from the same accident will not exceed the $500,000 Family Aggregate Principal Sum. ELIGIBILITY. This automatic insurance 4 provided to eligible holders of the credit card whose names appear on the credit card, their spouses and their unmarried dependent children under age 19 (age 23 if attending school on a full-time basis and fully dependent on you for support). However, the age limit does not apply to a child who is incapable of self-sustaining employment by reason of mental or physical incapacity. EFFECTIVE DATES. Your insurance under this plan is effective on the later of: 1) July 1, 2001; or 2) the date you become an ellggible person. Your insurance under this plan will cease on the earlier of: 1) the date the insurance coverage is terminated; or 2) on the date you cease to be an etigibk holder - the credit card. THE BENEFICIARY. Unless you desi hate otherwise with a beneficiary designation form, your death benefit will be paid, in equal shares, to the first surviving class of those that follow. (1) your spouse; (2) your children; (3) your parents; or (4) your brothers and sisters. If no class has a survivor, the beneficiary is your estate. You may change your beneficiary by writing to the Insurance Company at: Accident & Health Division, 500 West Madison Street, Suite 2250, Chicago, IL 60661. CLAIM PROCEDURE. Claim forms may be obtained through the insurance Company. Claims for benefits must be filed with the insurance Company within 90 days or as soon as reasonably possible after the loss occurs. PLAN OF INSURANCE COVERAGE. You, as a Cardmember, and your spouse and children will be covered against injuries that result in an accidental death while as a passenger in or on, including getting in or out of, or on or off of, any Scheduled Air Carrier if the Common Carrier Fare Ticket for the flight was charged to your credit card. Companion tickets issued for free with the purchase of a full-fare common carrier ticket and used by a spouse or dependent child will be considered as fully charged to the credit card, if the corresponding full Common Carrier Fare Ticket is charged to the credit card. Coverage is effective when you board the Scheduled Air Carrier, provided the full Common Carrier Fare Ticket is purchased, or the travel reservation is made for the companion tickets, prior to boarding such Scheduled Air Carrier. Coverage ends when you alight from the Scheduled Air Carrier. EXCLUSIONS. Benefits are not payable if the loss is caused by or results from: 1) self-inflicted injury or suicide; 2) sickness, disease, or mental incapacity or bodily infirmity whether directly or indirectly; 3) infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine poisoning or an accidental cut or wound independent and in the absence of any underlying sickness, disease or condition including but not limited to diabetes; 4) committing or attempfing to commit a felony; 5) war or act of war, declared or undeclared; or (6) travel or flight in or on any vehicle used for aerial navigation, as a pilot, operator or crew member. -18- LIMITATIONS. Benefits will only be payable under one Cardmember account, the credit card under which the Common Carrier Fare Tickets were fully charged. Benefits are not payable for losses due to injury sustained while on a trip .for which the tickets were purchased with a frequent flyer voucher. Complete Previsions pertaining to this lan of insurance are contained in Polley #9029072 issued by National Union Fire Insurance Company of Pittsburgh PA with offices in New York, NY. The premium for this insurance is paid by Discover Financial Services LLC, out of income derived from its credit card operations. Please read this Description of Coverage. Keep it in a safe place with your other insurance documents. This Description of Coverage (Form Number 530365DOQ is not a contract of insurance but is simpgr an informative statement to each eligible Individual of the principal provisions of the insurance while in effect. If a conflict exists between a statement in this Descri on of Coverage and any provisions in the Policy, the Policy will govern aims administered by: A&H Claims Department, P.O. Box 15701, Wilmington, DE 19850.5701, (800) 551-0824, SECONDARY RENTAL CAR COLLISION COVERAGE PROVIDED TO DISCOVER PLATINUM CARDMEMBERS DESCRIPTION OF COVERAGE. COVERAGE DESCRIPTION: • Secondary Rental Car Collision Coverage will reimburse You or the Rental Agency for Covered Damages as a result of Collision Damage on an excess basis (over and above any amount due from any outer valid and collectible insurance or any other form of reimbursement able by those responsible for the loss) on a secondary basis. Covered lles are those amounts, up to $25,000 per incident, on claims for Collision Damage to the Rented Automobile for which You or any authorized driver ms legally responsible to the Rental Agency, In no event will We be liable beyond the amounts actually paid by either You or the Rental Agency. Reimbursement will be on an Actual Cade Value basis. • From the amount of reimbursement due, the amount of any valid and collectible insurance, or the sum of $0 (whichever is greater), shall be deducted. DEFINITIONS: • Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of Collision Damage, less depreciation. • Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. • Eligible Card means the Discover Platinum credit card. • Loss of Use means the charges imposed by the Rental Agency, for which You are liable, due to Collision Damage to the Rented Automobile, for the period of time the vehicle is being repaired. • Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. • Rented Automobile means a four-wheeled private passenger-type motor vehicle or a minivan manufactured and designed to transport a maxi- mum of eight passengers and used exclusively to carry passengers. R must be designed for travel on public roads and rented from a licensed Rental Agency. -19- 4 We, Us and Our means Virginia Surety ComM,, Inc. • You or Your means the eligible Cardholder, hereinafter referred to as Cardmember, his or her spouse, and unmarried children under the age of 19 (or age 23 9 a full-time student at an accredited college or unive ). Spouse includes domestic partner, which means a person designateCard- member, and listed as a domestic partner on the account of the primary who is at least 18 years of age, and who during the past 12 months: a) has resided in the same hatsehold as the primary Card- member, and b) has been jointly responsible with the Cardmember for each others financial obligations. HOW TO GET COVERAGE- # Initiate and pay for the entire rental transaction with Your Eligible Card. If a coupon or voucher of any kind is initially applied toward payment of the Rented Automobile, at least one day of rental must be charged to Your Eligible Card; and • Decline the collisior0oss damage waiver offered by the Rental Agency; and • You must rent the car in Your own name and sign the rental car contract. Coverage does not apply if You pay for someone else to rent the car. • It is not necessary for You to notify Us at the time of rental. WHO IS COVERED: • You • WHERE YOU'RE COVERED: • Coverage is available in the fifty (50) United States of America and Canada. Coverage is not applicable where precluded by law or in violation of the territory terms of the rental agreement or prohibited by individual merchants. PERIOD OF COVERAGE., • Coverage begins when You pick up the car and ends when You turn it in to the Rental Agency. • The period of coverage shall not exceed thirty-one (31) consecutive days. EXCLUDED RENTAL VEHICLE: • Trucks; recreational vehicles; campers; pickup trucks; minibuses; full-size vans mounted on truck chassis; vehicles manufactured to seat more than eight occupants; vehicles when used to carry, haul or transport any type of cargo or property; off-road vehicles; trailers; motorbikes; motorcycles; and motor scooters; antique motor vehicles (which means vehicles over 25 years old or any vehicle which has not been manufactured for 10 years or more); limousines; high-value motor vehicles (those whose replacement value exceeds $50,000); limited-edition motor vehicles (which are high-value, exotic, high-performance or collector-type vehicles); special-interest or exotic cars (including Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce or similar vehicles, selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln). WHAT IS NOT COVERED: • Coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. In other words, it does not cover You for damage to someone else's vehicle, or property, Your property or personal property inside the vehicle. It does not cover You for any injury to any party. -20- • Losses resulting from any dishonest fraudulent or criminal act. • Loss resulting from forgery, • Loss that occurs while You are in violation of the Rental Agreement. • Loss due to driving while intoxicated (as defined by the laws of the jurisdiction where the loss occurred), or under the influence of any narcotic unless prescribed by a physician, reckless driving, .or due to contraband or illegal activities. • Intentional loss or damage. • Loss resulting from hostility of any kind (including declared war, undeclared war, invasion, rebellion, riot, civil commotion, or insurrection) or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination. • Loss as a result of hail, lightning, flood, earthquake, windstorm, water, or other weather-related causes, • Loss resulting from falling objects, fire, theft or larceny, explosion, malicious mischief or vandalism. • Loss or theft of personal belongings. • Loss caused by someone other than You. • Loss due to wear and tear, gradual depreciation, freezing, mechanical or electrical breakdown or failure. • Blowouts and tire damage unless the loss is coincident with a covered loss. • Depreciation, administrative, Loss of Use, or other fees charged by the Rental Agency. • A single rentallcontract of more than thirty-one (31) consecutive days. • Back-to-bads rentals for more than thirty-one (31) consecutive days (a back-to-back rental is two or more rentals of the same or different vehicles within the same city, with the first ending and next beginning within a 24-hour period). • Leases or mini-leases, • Expenses assumed, waived, or paid by the Rental Agency or its insurer. • Any obligation You assume under any agreement (other than the standard rental car agreement), • Loss resulting from an authorized driver's lads of reasonable care in protecting the Rented Automobile before or after the loss occurs including, but not limited to, mysterious disappearance of the rental car keys, leaving the rental car running while unattended, etc. • Damage sustained on any road not regularly maintained by a municipal, state, or federal entity. • Loss or damage resulting from use of vehicles unlicensed for road use. • Expenses reimbursed by your insurer, employer, or employer's insurer, • Loss resulting from use of the Rented Automobile in tests, races, or contests. • Loss resulting from use of the Rented Automobile to carry passengers and property for hire. • Losses occurring in states or countries where prohibited by law. • Losses not reported within the time period provided, as stipulated in the claim procedure. • Coverage will not pay for, or duplicate, the collisionlloss damage waiver offered by the Rental Agency. -21- NOW TO FILE A CLAIM; • After Collision Damage occurs, You must contact the administrator, Aon Innovative Solutions, P.O. Box 220, Golden, CO 80402, so coverage can be verified and a claim form sent to You. You must report any Collision Damage within 45 days of the incident, or We will not be able to honor Your claim. • Report within 24 hours any damage or loss to the appropriate official representative, including the police and Rental Agency. • Complete and sign the claim form and attach all appropriate documentation, including a copy of: • The account statement showing the Rental Agency transaction, and • The automobile rental agreement (front and back); and • The police report; and • The initial claim report submitted to the automobile Rental Agency; and • The paid claim presented by the Rental Agency for the Collision Damage for which You are responsible; and • Proof of submission of the loss to and the results of any settlement or denial by the applicable insurance carrier(s); and • If no other insurance is applicable, a notarized statement from You to that effect; and • Any other documentation We may request. • Be sure to submit all above required documentation to the administrator within 180 days of the incident, or as soon as reasonably possible, or the claim will not be honored. • It is a condition of this coverage that You, as often as may be reasonably required by Us, will submit, and within Your power cause others to submit, to examinations under oath and will produce for examination all writings, books of account, bills, invoices and vouchers, or certified copies thereof, at such reasonable time and place as We may designate and will permit extracts and copies thereof to be made. • if payment is made under the Secondary Rental Car Collision Coverage, We are entitled to recover such amounts from other parties or persons. Any party or person to or for whom We make payment must transfer to Us his or her rights to recovery against any other party or person. You must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from You. However, We will not require reimbursement against Your personal insurance carrier, but You agree to repay Us for any reimbursement, up to the amount of any recovery from Your personal insurance carrier. FOR NEW YORK RESIDENTS: The amounts of insurance set forth in this section are the maximum allowed by New York law. Actual amounts of insurance may be lower under the coverage: • Secondary Rental Car Collision Coverage will reimburse You or the Rental Agency for Covered Damages as a result of Collision Damage on an excess basis (over and above any amount due from any other valid and collectible insurance or any other form of reimbursement payable by those responsible for the loss) except when the Rented Automobile is used outside the United States, its territories and possessions, or when the Eligible Card was issued to You as an employee of an organization which has provided the Eligible Card for business use, in which case coverage is primary. - 22 - Secondary Rental Car Collision Coverage is an insurance program. Reminder: Please refer to the insurance Disclosures section. CDW (2100) Insurance Disclosures: Secondary Rental Car Collision Coverage is provided under a master policy of insurance issued by Virginia Surety Company, Inc. (herein referred to as Company). All information in this Description of Coverage (DOC) about these benefits is subject to the terms and conditions of the master policy. Coverage under Secondary Rental Car Collision Coverage is effective July 1, 2001. Insurance benefits are provided to Cardmember accountholders (individuals who have an open and active Discover Platinum credit card account) free of charge and enrollment is automatic. This DOC replaces all prior DOC's, program descriptions, advertising and/or brochures by any parry. We reserve the fight to change the benefits and features of all these programs. Discover Financial Services LLC, or the Company can cancel or choose not to renew the Insurance coverages for all insureds. If this happens, Discover Financial Services LLC, will no" the Cardmember accountholder at least 30 days in advance of the expiration of the polity or as permitted by law. Such notices need not be given If substantially similar replacement coverage takes effect without interruption and is provided by the same insurer. Insurance bent its will still apply to car rentals commenced prior to the date of such cancellation or non-renewal, provided all other terms and conditions of coverage are met. The insurance benefit applies to you, the Insured, whose cards are issued by U.S. financial institutions. These benefits do not apply if Your Eligible Card privileges have been suspended or cancelled. However, insurance benefits will still apply to car rentals commenced prior to the date that Your Eligible Card account is suspended or cancelled provided all other terms and conditions of coverage are met All parties are expected to exercise due diligence and prudent judgement to avoid or diminish any loss to the property insured under this program. Coverage will be void if, at any time, the Cardmember has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the Cardmember's interest herein, or in the case of any fraud or false swearing by the Insured relating thereto. No person or entity other than the Card member shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage. Salvage may be requested by the administrator. If salvage is requested, it must be remitted to the administrator at the Cardmember's expense. Failure to remit requested salvage may result in denial of the claim. No action at law or in equity shall be brought to recover on this coverage prior to the expiration of 60 days after proof of loss has been furnished in accordance with the requirements of this DOC. ID (2100) -23- DISCOVER New Balance Minimum Payment Due Account Number ending in 8863 $5,173.00 $104.00 J Enter Amount Enclosed Below Payment Due Date $ 1_- June 17, 2007 please make check payable to Discover Card or pay online @ Discovercard.corn. 18 SDSMA01 0012466 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 ,Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 111 a,r11a,nr1111111a,n111 CHARLOTTE NC 28272-1084 11111111111JI1111l11III Ill If 111Ill lr1,r1,r1rrnrArrIriif I1111 000001986458011580319051730000000000010400 Discover More Card Account Summary Closing Date: May 18, 2007 page 1 of 2 Account number ending in 8863 Previous Balance $0.00 Payment Due Date June 17, 2007 Payments And Credits 0.00 Minimum Payment Due $104.00 Purchases + 394.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $827.00 Balance Transfers + 4,750.00 Gash Credit Limit $3,000.00 Finance Charges + 29.00 Cash Credit Available $827.00 New Balance $5,173.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.99 Cashback Bonuse Anniversary Month: January Cashback Bonus Balance $ 0.99 Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular cote cries throughout the year and up to I% Cashback Bonus on oil your other purchases. 1. Visit Discover corn to pay your bill for no cost, view ur How Can We Help You? . latest Account information, earn and redeem rewardioand more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Sah Lake City, UT 8,4130 ?Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dole Date Balance Transfers Apr 28 Apr 28 CITIBUSINESS CARD XXXXXXXXXXXX5952TI NV $ 4,750.00 Apr 28 Apr 28 BAL TRANS TRANSACTION FEE FINANCE CHARGE 29.00 APR 0.00% EXPIRES 10/2007 Medical services Apr 26 Apr 26 KEYSTONE HLTH CTR BILL 7177091222 PA 244.00 Apr 27 Apr 27 CHAMBERSBURG HOSPITAL BI CHAMBERSBURG PA 75.00 May 1 May 1 CHAMBERSBURG HOSPITAL BI CHAMBERSBURG PA 75.00 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rate is subject to the terms of the offer including expiration. Earn 5% Cashback Bonus and more at these new online reteilersl ShopDiscover has just added more top online retailers much as Kohts.com, AnnTaylortoR.com, PetSmart.com and American Eagle (AE.com), to an already great selection so you can build rewards faster. Visit ShopDiscover of Discovercard.com/shop and start shopping todayi Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. Our advanced fraud warnings mean you'll know right away should any suspicious activity occur, And iF your card is lost or stolen, you have $0 fraud liability guarantee-you're not responsible for any fraudulent charges. Important Information. t there is more than one page to this billing statement, see the back of each page for additional important information. rn 0 See your Cardmember Agreement. Your Cardmember agreement cordains ail the terms of yourAccoutt. Z Lost or stolen cards. Report immediately! Call 1490347.2663. o Biding Rights Summary. In Case of Errors or Questions About Your Bill: It you think you bit is wrong, or if you need more information about a uansection on yxrbill, write us on a 0 separate sheet of paper at Discover, PO Box 30421, Sak Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the feat bill 0 on which the error or problem appeared. You can telephone us, but doing se w91 not preserve your rights. In your letter, give us the following infomratien: Your name and Account number m The dolor amount of the suspected error Describe the error and explain, it you can, why you believe Owe is an error. If you creed more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are suit obligated to pay the parts of your bill that are not in question. While we investigate your quoshott, we cannot report you as delinquent or take any action to collect the amount you question S cal Rate for Credit Card Purchases: If youhave a problem with the quahfy of goods or services #ar you purdrasad with a crer? card and you have triad in good faith to cored tZpprobtem with the merchant, you may rd have to pay the remaining amount due on the goods or services. You have this protection ontywhen the purchase price was more then 5 and the purchase was made in your fame state or within IM miles of your mailing address, f t we own or operate the merchant, or Owe mailed you the advertisement for the good or services, all the Purchase are covered regardless of the amount or location of the purchase.) Payments. Send orgy your payment and the top portion of the statement in the erwebp provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make and electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check trapsaction. if the payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your dmedc to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, IT you send (lie payment to any other address or if you use an erh4elope other than Ina cure provided. Payments received in proper form ai our process nit fadiity by 5PM local l me on any day win be credited to yourAcCounl as o(Ihat day. Payyments race wait at our processing fnciiity after SPM bcal tome viii be cradled to yourACCOhaht as of the next day It you have m ?laeed your envebpe, sand your payment to PO C O 4 6103 hover, Box , ard Stream,lL 601978103. Please allow 7-1g days to detroery. d your payment is returned ur paid, we reserve the right to resubm t it as an ek{ctrornic debit. You ran pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1.8093472683. You will need this statement and your bank account information. You must ensue that s1iffiCJen) funds are available in your bank account, and all transactions must comply with U.S. taw. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from you bank account, and to initiate debit or credit entries to your bank account, as applicable, to cored error in the processing of such p e m. Yeu must tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New 9stance on each statement. You can cancel a e nil, however we must receive notim at least three business days in advance of the scheduled payment. You may nobly us by phone at 1-800-347-2W or by mail at the ad s listed in the previous paragraph tit your payments may vary in amount we will tell you an each rfldflthly statement when your payment will be made and how much it will be Your Automatic payment anl0am may be less then the indicated on the monthly statement based on credits or payments applied during the bung cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, rrrissed payments, or other defaults on your aocownl may be reflected in your credit repot. We normally report the sfalus and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete. please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your nacre, address, home telephone number and Account number. PERIDDIC FINANCE CHAGES. Periodic Finance Charges are imposed on at transactions from the date the trensftlion is pasted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, we will provide the following 'grace period' d you paid the New Balance on your pervious billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by Me Pavement Due Date an this statement we wtd not impose Periodic Finance Charges on new purchases. that is, purchases first appearing on this statement. Otherwise, you will recewe a biding statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advanoas. We son your transactions into groups of purchases, cash advances, and balance transfers and than further sort the transactions within each group by their Annual Percentage Rate. For example purchases subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories. At the cold of each telling period, we compute Periodic Finance Charges for each day of the bdfint; period for each transaction category. We use tie folio" equation to compute Periodic fort each transaction category. Average Daly Balance x number of days in the blkng period x Daily Periodic Rate, (See the finance charge summary on your statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Paciodic Finance Charges tot you Account. The avatage Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to [the balance in a transaction category We use McAverage Daily Balance rmcludmg new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Bhfankr for each transaction category by adding cop all the daily balances in a bdkg period for a transaction category and dividing the total by the number of days in the billing cyde. We compule the deify balance for each transaction category on each day by first adding the following to the previous day's daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. t a transaction is posted to yon Account after the close of the billing period in which it occurs, we *it treat the transaction as having occurred on the first day of the billing period in which it is posted to yourAecount. All fees charged to your Account are added to the standard purchase transedion category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance Iranswilm category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category: - When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges to the standard urchase transaction p category. However, O the special rate has been leminaled under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Foe Finance Charges in the applicable transaction category until title special rate WOW have expired. For TDD (Telecommun cations Device for the Dealt assistance, tali 1-8011-347.1449. Qrscover may monitor and/or record telephone calls between you and Discover representatives for quakily assurance purposes The Discoverm card is issued by Discover Banc, Member FDIC. OITBK107 DISCOVER If pays to MARK WADAS J Account number ending m 866'- Announcing Pending Transactions! ( You asked, we listened. Cardmembers can now view pending transactions online! Check your purchases in realtime to stay connected to your account like never before either online or using your mobile device, i, tog in to your account at Discoveccom from your laptop or your mobile device and see for yourself! ID2012 Oisww Bank, Member FDIC -rte,::- ~J Closing Date: May 18, 2007 page 2 of 2 rmunce %."Ouge Jummety Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FWANCE GES FNJANCE CHARGES current billing period: 3D days Purchases $0 0.00000% 0.00% F 0.00% $0 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $3345.30 0.000001% 0.00% F 7.32% $0 $29.00 previous billing period: 31 days Purchases $0 0.00000% 0.00% F 0.00% $0 none The rates that apply to your Accounf are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER $5 29b 08 18 SDSNBAOI 0012467 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Minimum Payment Due Account Number ending in 8863 $208.00 Enter Amount Enclosed Below Payment Due Date $-`? July 17, 2007 Please make check payable to Discover Card. Minimumpayment due includes a past due amount of $104.00. Address, e-mail or telephone change? Print change in space alcove, 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 Sink to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 IlEnnllur,nrlllulnnrlll CHARLOTTE NC 28272-1084 0000019864580115803190529608DDDDODD002D8DD Discover More Card Account Summary dosing Date: June 18, 2007 page 1 of 1 Account number ending in 8863 Previous Balance $5,173.00 Payment Due Date July 17, 2007 Payments And Credits 0.00 Minimum Payment Due $208.00 Purchases + 39.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $703.00 Balance Transfers + 0.00 Clash Credit limit $3,000.00 Finance Charges + 84.08 Cash Credit Available $703.00 New Balance = $5,296.08 Cashback Bonuse Opening Cashback Bonus Balance $ 0.99 New Cashback Bonus This Period + 0.00 Cashback 8onwe Anniversary Month: January How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 1. Visit Diecovar,eom to pay your hill for no cost, view our latest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-26831 for fast, easy wifservice options or to speak with a Customer Service Account manager 3. Write us at Discover Card, PO Box 30943, SaR Lake City, UT 84130 Transactions $0 Fraud Liability Guararllae Use your Discover Card with confidence. Trans. Post Dote Dab Odrer/Miscellaneous Jun 18 Jun IS LATE FEE $ 39.00 For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05203%; corresponding ANNUAL PERCENTAGE HATE: 18.99%. Rate is subject to the terms of the offer including expiration. "'" ATTENTION Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $397.09 Cash Advances $0 Balance Transfers $4816.47 previous billing period: 30 days Purchases $287.06 0.05203% 18.996 F 18.99% 0.06299% 22.99% F 22.99% 0.05203% 18.99% F 18.99% 0.000000/. 0.009'. F 0.00% Cashback Bonus Balance $ 0.99 $6.40 $0 $0 $0 $77.68 $0 $0 none The rates that apply to your Account are either fixed (F) or they may vary (Y) as noted above. Important Information. If there is more than one page to Mils billing statement, see the back of each page for additional important information. p See your Cardmember Agreement. Your Cardmembar agreement contains al the terns of your Account. z m Lost or stolen cards. Report Immediately! Call 1$00.347-2683- W Billing Rights Summary. In Case of Eras or Questions About Your Big: H you think your bill is wrong. or if you need more information about a transaction MW btl, write us on a Safi Lake City, UT 84130-042 t, as soon as possible. We must hear from you no letter than 80 days aferwe sent you the krsf bit PO Box 30421 er at Disoom arate sheet of pa se o N , , p p on vA irdr the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: v M and Account number e - mount of the suspected era =1 -1 Describe the error and explain, it you can, why you believe there is an error. If you need more information, describe the item you are unsure about You do not have to pay any amount in question while we are invesfigati g, but you are still obligated to pay the pads of your bill that are not in question. While we investigate your question, we carrot report you as delinquent or take any action to collect to amount you question. Special Rate for Credit Card Purchases: H you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good faith to correct t problem with the merchant you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $ and the purchase was made in your home state or within 100 miles of your mailing address. (if we own or operate the merchant, or if we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amatru or location of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to Use information on your check to make and electronic fund trainsfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If the payment is processed as an electronic fund transfer, the transfer wig be forthe amount of the check. When we use information from your check to make an i al 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 financ institution. The processing o! your payment maybe delayed if you send cash, correspondence or other items with your prwfinent if you send the payment to any other address or if you use an Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. e other than the one provided e velo . l p Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope. send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please alow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit l as an electronic debit Yo u can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-3472683. You wit need this staamerit and y in bank account information. You must ensure that sufficient fonds are available in your bank account and all transactions must comply vnth U.S. law. You will be asked to provide th e first 5 digits of you account statement 21P code. By entering those numbers as your electronic signature, you will be agreeing to this aue*&a1 on to allow us and your bank to de duct each payment you authorize from your bank account, and to Minis debit of credit entries to your bards accent, as applicable, to correct error in Aire processing of such yrtnenL You must al us the amount of each payment, our you can select an amour! such as hSnlmurn Payment Due or the New 8elarxre ort each statement. You can cancel a p yment however we must receive notice at leas) three business days in advance of the s dhetkterf payment You may notify sou fry plane al 1.810-347-2883 or by mat at the ass fisted in tl e previous paragreph. H your payments may vary h amount we w k al you on each montlnly stalemanl wtthn your payment will be made and how much it wit be. Yb r AuWnhatic payment anaux t rt ay be lass their the ind sated on t e monthly statement based co cred is a payments applied doing the b fling cycle. Cr edit 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 cr pl edit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe first our report is inaccurate or incomplete, ease write us at the following address: Discover, PO Box ;5316. Wrimingion, DE 198505316. Please include your name, address, home telephone number and Account number. P ERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date Ore transaction is posted to your Account until the date you pay your entire N ew Balance, by making payments or receiving credits. However, we wil provide the following'grace period" If you paid the New Balance on your pervious bilinng statement by rt e Payment Due Data shown on that statement, and you pay the New Balance by the Payment Due Cate on this statement we will not inpose Periodic Finance Charges on new pu rchases, that is, purchases first appearing an this statement. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on tcse new pu rchases_ There is no grace period on balance transfers of cash advances. N e son your transactions into groups of purchases, rash advances, and balance transfers and then further son the transactions within each group by their Annual Percentage Rate. At the ories refer to these s as transaction cate u ld b te W d d F . gro g e separa p rate wou groups. e ar or example purchases aubtiect to a promotional rate end purchases subject to stan e nd of each billing period. we compute Periodb Finance Charges for each day of the billing period for each transaction category. We use the folkwring equation tD compute Periodic for each transaction category. Average Daly Balance x number of days in one billing period x Daly Periodic Rate. (See the finance charge summary on your statement for these apaunts) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Accarnt The average Daly Balance is sbo i as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a bmnseciion category. We use the Average Daly Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding kip all the daily balances in a billing period for a transaction category and divicing the totes by the number of days in the biting cycle. We compude the daily balance for each transaction category on each day by fast wing the following to the previous day's daily balance, transactions made that day, fees changed that day and Periodic Finance Charges accrued on that day. If a Iransacton is posted to your Account after the close of the trilling period in which d occurs, we will treat the transaction as having occurred on the fast day of the biting period in which it is posted to your Amamt. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee France Charges which are added to the applicable balance transfer transaction category When the special rate expires. litre move the tmpeid balance of the balance transfer and the Batence Transfer Transaction Fee Finance Charges to the standard purdwe transaction category. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the 8alance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired- For TDD (Telecommunications Device for the Deaf) assistance, call 1.800-347-7449. Q,scover may monitor andlor record telephone calls between you and Discover representatives for qur ity assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 New Balance Minimum Paymen! Due Account Number ending in 8863 DISCOVER $5,129.54 $101.00 Enter Amount Enclosed Below Payment Due Date $ August 17, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. 18 SDSN8AO1 0012488 Text APP to DISCOV' to receive a fink to our MARK WADAS tree mobile app and pay your bill In seconds 111 N PENN ST from anywhere) SHIPPENSBURG PA 17257-1311 PO BOX 71084 IlIuslluurtlllsrluu CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrlrl?rrlrrr?r?Itrrltilr?rrrl?Ilrrilrrlttlsrllrrltt?rrlrlru?I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319051295400000000010100 Discover More Card Account Summary Closing Dote: July 18, 2007 page 1 of 1 Account number ending in 8863 Previous Balance $5,296.08 Payment Due Date August 17, 2007 Payments And Credits 247.00 Minimum Payment Due $101.00 Purchases + 0-00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $870.00 Balance Transfers + 0.00 Cash credit Limit $3,000.00 Finance Charges + 80.46 Cash Credit Available $870.00 Now Balance = $5,129.54 Cashback Bonuse Opening Cashbock Bonus Balance $ 0.99 Now Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: January Cashback Bonus Balance $ 0.99 Cashbock Bonus(R) is America's #1 Cash Rewards Progroml Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. 9 How Can We Help You? i . Visit Dxover com to pay your bil for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Snit Lake City, UT 84130 Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Payments and Credits Jun 27 Jun 27 PHONE PAYMENT -THANK YOU $ -208.00 Jun 28 Jun 28 LATE CHARGE REFUND -39.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05203%; corresponding ANNUAL PERCENTAGE RATE: 18.99%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES CHARCE5 CHARGES current billing period: 30 days Purchases $415.29 0.05203% 18.99% F 18.99% $6.49 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $4740.11 0.05203% 18.99% F 18.99% $73.97 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Manage your account your way - whether you prefer to speak with a live person or manage it on your own, D13Caver(R) Cord has the right account management options For you. Visit Discovercard.com or call 1-800-DISCOVER (i-800.347-2683). Important Information. If there is more than one page to this billing stateroom, see floor back of each page for additional important infomtalion. See your Cardmember Agreement Your Cardmember agreement contains all the terms of your Account. Lost of stolen cards. Report Immediately! Cal 1.800347-2683. Bitling 'Rights Summary. In, Case of Errors or Questions About Your Bill: It you think your bill is wrong. or if you need mom Wormaton about a transaction on your bill , write us on a separa?e sheet of paper at Discover, PO Box 30421, Salt Lake City, LIT 84130.0421, as soon as possible. We must hear from you no later ther 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so MI not preserve your rights. In your letter, give us the toffowing information: Your daaame and Account number The dn9ar amount of the suspected error Deseabe the error and explain, if you can, wiry you believe there is an error If you need more information, describe the item you are unsure about. You dq not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate you question, we cannot repot you as delinquent or take any action to collect the amount you question. Special Rata for Credit Card Purchases: If you have a problem with the quedly of goods or services that you purchased with a credit card and you have tried in good faith to correct the pre lem with the merchant, you may not have to pay fie remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50a cc??ii the purchase was made in your home state or wiUpn 100 miles of your mailing address. Qf we own oroperale the merchant, or Uwe mailed you the advertisement for the good or services, ail the purchase are covered regardless of the amount or location of he purchase.) P nts. Send only your payment and the top portion of the statement in the emefop provided. Do not send cash. By sending your check as described above, you authorize as to use nformatlon on your dredc to make and electronic fund transfer from your account at the financial institution indlcaled on you check or to process the payment as a check tra tart. If the payment is processed as an electronic fund transfer, the transfer will be for the amount of the cock. When we use Information from your check to make an aleck is land transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you wit not receive your check back from yafr financial m5filutlon. The processing of your payment maybe delayed if you send cash, correspondence or oil ier iterns with your ntiymenl, if you send the payment to any other addi ess or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by.5PM local fuse on any day will be credited to your Account as of that day. Pry n is, received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream. IL 60197-6103. Please allow 7-10 days for delivery. If yaw payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your miri um payment or a greater amount over the telephone, and you can set hp automatic payments. Call us at 1-800-3472683. You wil need this statement and your 61 A soooant information. You must ensure that sufficient lunds are available in you bank account, and at fransectiass must comply with U. S. law You will be asked to prasde, the fn 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to dedhuc each payment you authorize from your bank eccourd, and to initiate debit or credit entries to your bank account, as applicable, to correct error in the processing of such pal mstd. You must Iel as the amount of each payment, or you can select an amo kit such as Minimum Payment Due or the New Balance on each statement. You can cancel a pa m, hoverer we must receive notice at least three business days in advance of to scheduled payment. You may notify us by phone at 1-800-347-2663 or by mail at to address, Wed in the previous paragraph. t your payments may vary, in tmoum we will net you on each monthly staternerd when your payment will be made and how much it will be, Your lorhatic payment amount may be less then She indiafad on the Will* statement based on credits or payments applied during the billing cycle. Credil( Reporting. We may report inkxmation 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 bellewh that our report is irtee orate or incomplete, please write us at the folowirg address: Discover, PO Box 15316. Wilmington, DE 146503316. Please inckude your name, address, home 18le0one number and A== number. PERIQDIC FINANCE CRAM. Periodic Finance Charges are imposed an all transactions from the date the transaction is posted to your Account until the date you pay your entire New slazca by making psymanls or receiving credits. However, we will provide the following `grace period" If you paid the New Balance on you pervious billing statement by the P t Due Date shorn on that statement, and you pay the New Balance by the Payment [hue Date on this statement we wit not impose Periodic Finance Charges on new purchases, that is, purchases fast appearing on Q* statement. Otherwise, you will receive a billing statement next mordh that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then loather sad the transactions within each group by their Annual Percentage Rate. For a) ample purchases stpbject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories. At the end oreach tiling period, we compute Perad[c Finance Charges for aach day of fie bang period for each transaction catngay. We use the foioamg equation to compute Periodic for as A transactnn category. Average Daily Balance x numnber of days in the baling period x Daily Periodic Rate. (See the finance charge summary on your statement for these an mots.) Then v.,e add up the Periodic Finance Charges for each lrarsactw category to get he.total Periodic Finance Charges fora your Account The a, el age Daily Balance is showit as zero d, because of the grace period, no Periodic Finance Charges apply lo the balarxe in a transaction category. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance lot each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing cycle. We cdmpute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance. transactions made that day, fees charged that day and Periodic Finance Charges accrued on tell day. If a transaction is posted to you Account after the close of the billing period in winch it occurs , we will treat the transaction as haying occurred on the fist day of the billing period in which t is posted to your Account. All fees charged to your Account are added lo the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the ai dpkaGe cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When( the special tale expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction caleg". However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transactor category Limit Ife special rate would have expired. For TOD (Telecommuifca8ans Device for the Deal) assistance, cal d-M-347-7449. Discover may mon its andhoi record telephone calls between you and Discover represenlalves for quality assurance purposes The Oiscover' card is issued by Discover Bank, Member I=. OITBK107 New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $5,284.38 $104.00 Enter Amount Enclosed Below Payment Due Date $F - September 17, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. is SDSN6A01 0012469 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Address, e-mail or telephone change? Print change In space albove, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PC BOX 71084 !!!„r{!s""'{!{"{""{{{ CHARLOTTE NC 28272-1084 000001986458011580319052843800000000010400 !Discover More Card Account Summary Closing Date: August 18, 2007 pogo 1 of 2 Account number ending in 8863 Previous Balance $5,129.54 Payment Due Date September 17, 2007 Payments And Credits 125.00 Minimum Payment Due $104.00 Purchases + 193.90 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $715.00 Balance Transfers + 0.00 Cash Credit limit $3,000.00 Finonce Charges + 85.94 Cash Credit Available $715.00 New Balance = $5,284.38 ICashback Bonuse Opening Coshback Bonus Balance $ 0.99 New Cashback Bonus This Period + 0.48 Cashback BonusO Anniversary Month: January C ashbock Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus an Get More purchases in popular cateeggoories throughout the year and up to 1% Cash back Bonus on all your other purchases. Cashback Bonus Balance 1A7 1. Visit Discover.com to pay your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.8004DISCOVER (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 fearing impaired) see reverse side Soft Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Avg 16 Aug 16 INTERNET PAYMENT - THANK YOU $ .125.00 Traver/Entm inment Jul 22 Jul 22 DUTCH WONDERLAND ADMISSN LANCASTER PA 53.90 Modkol services Jul 23 Jul 23 GARY S DAVIS DDS SHIPPENBURG PA 140.00 Managgee your budget, track y«rc spending and avoid fees with FREE timely e-mail reminders. Learn more about e-mail reminders and other easy nraine account management options at Diuovercard.com/reminders Important Information. It there is more than one page to this tiling statement, see the back of each page for additional important information. Sag your CardmemberAgreement. Your Cardmember agreement matains an le terms of your Account. Lost or stolen cards. Report immediately! Cad 1.800.347-2683. Biting Rights Summary. In Case of Errors or Questions About Your Bit: If you I" your bit is wrong, or 9 you need more inbrtnation about a transaction on your bit, write us on a sep'erate sheet of paper at Discover, PO Box 30421, Sall Lake Coy, LIT 84130-0421, as soon as possibla- We must hear from you no later than 60 days after we no you the first bill on which due error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your War, give us the following information: Your name and Account number The dollar amount of Ole suspected error describe the error and explain, if you can, wiry you behave there is an error, If you need more information, describe the item you are unsure about, Y,* do riot have to pay any amwnf in question while we are investigating, but you are dill obligated to pay the parts of your bill that are not in question. While we investigate your qua stion, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card and your have Iried in good faith to correci the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state orwithin 100 miles of your mailing address, (If we own oroperale the merchant, or if we mailed you the advertisement for the good or services, at the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your dead as described above, you authorize us to use information on your check to make and electronic fund transfer from your account at the financial insfilution indicated on your check or to process The payment as a check transaction. If the payment is processed as an electronic fund transfer, the transfer will be (or the amount of the check. When we use information from your ch" 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. Tile processing of your payment maybe delayed if you send cash. correspondence or other items with your payment, it you send the payment to any other address or if you use an eivedope other then the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing tacitly after 5PM local time will be credited to yourAccoum as of the next day. If you have misplaced your envelope, send your p t to Discover, PO Box 61 D3, Card Stream, IL 60197-6103. Please stow 7-10 days for delivery. if your payment is returned unpaid, we reserve the right to resubmit i, as an electronic debit. You ran pay your minimum payment or a greater amount over the lelephone, and you can set up automatic payments. Call us at 1.800-3472683. You will need this statement and your bank aocoun informafion. You must ensure that stficient funds are available in yohr bank account, and a# transactions must comply with U-S. haw. You will be asked to provide the fast 5 dgts of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to d1duct each payment you authorize from your bark account, and to Male debt or credit entries to your bank accamL as applicable, to correct error in the processing of such payment You must tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive nodce at leasl three business day; in advance of the scheduled payment. You may notify us by phone at I-M347-2683 or by mail at the address listed in the previous paragraph. If your payments may vary in amount we will tell you on each monthly statement when your payment well be made and how much twit be. Your Automatic payment amount may be less lien the indicated on the monthly statement based on credits of payments applied during the biting cycle. Credit Reporting. We may report information about your account to credit bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Amount to credit reporting agencies each riomth. t you believe that our report is inaccdaete or ncomplete. please write us at the following address: Discover, PO Box 15316, Wilmington, OE 198505316. Please include your name, address, home telephone number and Aeoount number. PERIODIC FINANCE CHAGES, Periodic Finance Charges are imposed on all transactions from fie date the transaction is posted to yourAcmunt Land the date you pay your entire Nkw Balance, by making payments or receiving credits. However, we will provide the following 'grace period" If you paid the Now Balance on your pendoue being statement by the, Payment Due Date shown on diet statement, and you pay the New Balance by the Payment Due Dale on this statement we will rat impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement. Othheiwise, you will receive a billing statement next month owl includes Periodic Finance Charges on lose new purchases. There is no grace period on balance transfers or cash advances. We sort your Uansediars into groups Of purchases, cash advances, and balance transfers and than further sort to bans icfons within each group by theirMnual Percentage Rate, For example purchases soOcl to a promotional tale and purchases subject to standard rate would be separate groups, We refer to these groups as transaction categories. At the end of each biting period, we compute Periodic Finance Charges for each day of the biting period for each transaction category. We use the following equation to compute Periodic for each transaction category. Average Daily Balance x number of days in It* billing period x Daily Periodic Rate (See the finance charge summary on your statement for these ahwumis} Then v.a add up the Periodic Finance Charges for each bansadion category to gat the Iota; Pencc c Mriance Charges for your Account. The average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transaa ads) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Avenge Daily Balance for each Iransactiorn category by adding up all the daily balances in a biting period for a Uansection category and dividing the total by the number of days in the filing cycle. I,Vecwmpate the daily balance for each transadion category on each day by first adding the following to the previous days daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. If a transaction is posted to your Account offer the rise of de biting period in which t occurs. we will treat the transaction as having occurred on the fist day of the billing period in which it is posted toyourAccoum, ?I fees c anted to you Accent are added to ire standard purchase Uansacgon category with the exception of Cash Advanc?e Trans?c on Fes finance Charges which am added to rn ce Uarhsaci on category and Bata ce Tr mskr Tmnsactbn fes F nonce Charges wh ch are added b the appkcable ba{ar transfer ransad on natatory he appfcaMe cash ad, vUhen the spacial rates exp des, rue move t e unpaid tics ce of the balance transfer and lha Balance Transfer irarsa 3 on Fee Fina oe Charges to the standard (xr[hase transact on category, tkwrava, d t e sparer rah has been terminated under the Default Rate Plan, we leave the u paid balance of tlhe balance transfer end the Balance Ira elan Transaction Fee Finance Char g e the s n ?pkcable IrarKaeton category until to special rate would have expired For TDD (Telecommunications Device for the Deaf) assistance, call 1-800.347-7449. Discover may monitor ardlor record telephone cats between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 . DISCOVER uiwysw MARK WADAS Account numbe DISCOVER r ending in 8843 Announcing Pending Transactions! You asked, we listened. Cordmembers con now view pending transactions online! Check your purchases in realtime to stay connected to your account like never before either online or using your mobile device. x r z Log in IO your account at Discover.com from your laptop or your mobile device and see for yourself! ° i E ©2012 Di-,- Salk, M.,6r FDIC a §. •33 - _ wm1 Closing Date: August 18, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer far current billing period: Daily Periodic Rate: 0.01616%; corresponding A NNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES O current billing period: 31 days Purchases $581.87 0.05203% 18.99% F 18.99% $9.38 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $.4747.57 0.05203% 18.99% F 18.99% $76.56 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. QU@St1OM? Manage your account at Discover.com or call 1-800-DISCOVER 1-800-347-2683). d z o? a o_ 0 o_ N S+ DISCOVER $5Now Bal ,245.07ee 18 SDSN6A01 0012470 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Minimum Payment Due Account Number ending in 8863 $104.00 Enter Amount Enclosed Below Payment Due Date $ October 17, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. Text APP to DISCOV' to receive a rink to our free mobile app and pay your bill In seconds from anywherel PO BOX 71084 11111111111111 11111 111191 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1111111 fills II11111111111111111111111111i111111111111111111111 above, or go to Discover.com. Print your e-mail address to receive Important Account information and special offers. 000001986458011580319052450700000000010400 Discover More Card Account Summary Closing Date: September 18, 2007 page 1 of 2 Account number ending in 8863 Previous Balance $5,284.38 Payment Due Date October 17, 2007 Payments And Credits 125.00 Minimum payment Due $104.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $754.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Fciance Charges + 85.69 Cash Credit Available $754.00 New Balance $5,245.07 Cashback Bonuse Opening Cashback Bonus Balance $ 1.47 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 1.47 Cashback Bonuse Anniversary Month: January Cashback Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback $onus on all your other purchases. 1. Visit Discover eom to pay your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Ciabi(ity Guarantee Use your Discover Card with confidence. Trans. Post Date Dare Payments and Credits Sep 16 Sep 16 INTERNET PAYMENT -THANK YOU $ -125.00 Information For You Please be sure to make the required transactions during this billing period to extend your special balance transfer rate(s) for another billing periodl Rate eamtension subject to offer terms. Call 1-800-DISCOVER (1-800.347-2683) to find out which balance transfer rate is eligible and for additional information. Important Information. If there is more than one page to this bkkng statement seethe bads of each page for additional important inform ton. See your CardmemberAgreement_ Your Cardmember agreement contains sift terms of year Account. Lo#t or stolen cards. Report immediately! Call 1-800-347-2683. Bil'ng Rights Summary in Case of I=ris or tluesffonsAbout Your BID: if O XI. your bit is wrong, or ill you need more information about a transaction on yen bill, write us on a grate sheet of paper at Discover, PO Box 30421, Set Lake City, OT 84130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bit on which the error or problem appeared You can telephone us, but doing soa not preserve your tights. In your Peter, give Lis the following information: Your name and Account number The dollar amount of the suspected error Describe the error and explain, it you can, why you believe these is an error. If you need more information, describe the item you are unsure abed. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to toted the amount you question Spjecial Rate for Credit Card Purchases: If you have a problem with the quality of goods or services that you ptrcbased with a credit card and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (it we own or operate the merchant, on if we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make and electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If the payment is processed as an electronic fund transfer, the transfer wA be for the amount of the check. When we use information from your check to make an eld, ,ionic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Tlhje processhg of your payment maybe delayed if you sent! cash, cot respaderim or other kems with your payme¢I, if you send die payment to airy other address or if you use an eWelome other than the one provided. Payments received in proper form at our processing facility by 5PM local ante on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of Ono next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103. Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is retuned unpaid, Nye reserve the right to resubmit it as an ehl$ctronic debit You can pay your minimum payment or a greater amount over the telephone: and you can set up automatic payments. Call us at 1-800.3472683. You will need this statement and your bank account infonnafion. You must ensure that sufficient funds are available in yew bank account, and all Vansactions must comply with U.S. law. You will be asked to provide the first 5 digas of you account statement 21P code. By entering time numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to it uct each payment you authorize kern you bank account, and to ihiUala debit or creditentries to your bank accaml, as applicable, to correct error in the processing of such yment You most tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a yment, however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 14MO-347-2683 or by mail at the a dress listed in the previous paragraph. It your payments may very in amount we will leg you an each rronthty statement when your payment will be made and taw much it will be. Y( ur Automafic payment amount may be lass then the indicated on the monthly statement based on credits or payments applied during the tiling cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defauits 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 fokaving address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to you Account until the date you pay your entire Nw Balance, by making payments or receiving credits. However, we will provide the bilowing'grace period' If you paid the New Balance on your pervious killing statement by ° Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Oat on this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. Thera is no grace period on balance transfers or cash advances. Vida sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example purchases subject to a promotional rata and purchases subject to standard rate would be separate groups. We refer to these groh4rs as transaction categories. At the e?W of each baRing period. we cornpuea Periodic Finance Charges foreach day of the Ittlrg period for each transaction category We use fie I$vA rg equation to compute Periodic for each transaction category. Average Daily Balance x number of days in the biting period x Daily Periodic Rate. (See the finenr•: rharge summary on yew statement for these amounts l Then we add up the Periodic Fiance Charges for each transaction calegay to gel the total Periodic Finmma Charges ICr your Aocount. The average Daily Balance is shown as zero t, because of the grace period, no Periodic Finance Charges apply to tie balance in a transaction category. We use the Average Daily Balance (including new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a bitktg period for a transaction category and dividing the total by the umber of days in the billing cycle. iNe compute the daily balance for each transaction category on each day by first adding the f0lbwirg to the previous days daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. t a transaction is posted to yeurAccounl after the close of the billing period in which it occurs, we will treat the transaction a$ having occurred on the first day of the biting period in which it is posted to you Account. All fees charged to your Account are added to the standard purchase transaction category with the exoeptkm of Cash Advance Transaction Fee Finance Charges which are added to lu'?acatransaction naacdon inarbce Charges in the applicable karrsadion category hpdrl hire special retie hhouid crave ezpred. For TDD (Telecommunications Device for the Deaf) assistance, call 1-800.347.7449. Discover may monitor arhdlor record telephone calls between you and Discover representatives for quality assurance purposes The Discover° card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER itpoysto MARK WADAS DISCOVER Account number ending ?n 686 3 Announcing Pending Transactions! You asked, we listened. Cordmembers can now VieW Mending transactions onlinel Check your purchases in reattime to stay connected to your account like never before either online or using your mobile device. Log in to your actount at Discover.com from your laptop or your mobile device and see for yourself! ®20121Xua r MA, N*m6w f= Closing Date: September 18, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Baldric es Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $614.95 0.05203% 18.99% F 18.99% $9.91 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $8698.76 0.05203% 18.99% F 18.99% $75.78 $0 The rates 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 1-800-DISCOVER (1-800-347-2683). ?) New Balance DISCO Y EIn C $5,20242 18 SDSN6A010012471 MARK WADAS 111 N PENN ST SHIPPENSBURO PA 17257-1311 Minimum Payment Due Account Number ending in BB63 $103.00 Enter Amount Enclosed Below Payment Due Date $ ( - November 17, 2007 Please make check payable to Discover Card or pay online 0 Dixovercard.com, TextAPP to DISCOW to receive a link to our free mobile app and pay your bill in seconds from anywherel PO Box 71084 1114111191111111111111111 Rill CHARLOTTE NC 28272-1084 gddre33, e-mail or telephone change? Print change in space I?rlrllnlurlrlli?rlrrlrlurllH?ul?rlulullrrl?rlrrlrlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319052024200000000010300 Discover More Card Account Summary Closing Date; October 18, 2007 page 1 of 1 Account number ending in 8863 Previous Balance $5,245.07 Payment Due Date November 17, 2007 Payments And Credits 125.00 Minimum Payment Due $103.00 Purchases + 0.00 Credit limit $6,000.00 Cash Advances + 0.00 Credit Available $797.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Fimneo Charges + 82.35 Cash Credit Available $797.00 New Balance - $5,202.42 Cashback BonuSe Opening Cashback Bonus Balance $ 1.47 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: January Cashback Bonus Balance $ 1.47 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashback Bonus an Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? . I . Visit Discover corn to pay your 61 for no cost, view our latest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selhservice Pease have Discover Card avoilab3e. your options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 17 Oct 17 INTERNE T PAYMENT - THANK YOU $ -125.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCE NTAGE SLATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES_ current billing period: 30 days Purchases $624.78 0.05203% 18.99% F 18.99% $9.75 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $4651.71 0.05203% 18.99% F 18.99% $72.60 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 'Wish you could sort these purchases by amount, description or categoty0 You can -register at Discovercard.com to view your purchases online as for back as 12 months. Loam more at Discovercard.com/purchases Important Information. If there is more than one page to this lolling statement, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember ageement contains all the terms of your Account. Lost or stolen cards. Report frrmed'atefyl. Cal f-800,34 7-26W. Billing Rights Summary. In Case of Enos or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We musthear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. in your later, give us the following information: Your name and Account number The "W amount of the suspected error Describe the error and explain, if you can, why you befieve there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligeted to pay the pans of your bill that are not in question- While we investigate your quyestiort. we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Ptrchsses: If you have a problem wiCn the quaakty of goods or services that you purchased v th a cred'd card aril you have v ad in good faith to correct the prohtem with the marcher, }ow may nor name to pay t e rental rill amount due on thegoads a services. Yam have this protect on only when the purchase price was more than 0 end the pachsas ores made n your home stale or wilhm 100 miles of your mailrt g a?ress. (1f we own or operate the merchant, or if wa rtbaled you the advertisement for the gkjod or seances, ad the parchese are covered regardless of the amarit or location of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to, use information on your check to make and electronic fund transfer from your account at the financial institution indicated on your check our to process the payment as a check transaction, If the payment's 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 accounf as soon as (he same day we receive your payment, and you will not receive your check back from your financial imutution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you send die.. payment to any other address or iR you use an eavefope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on env day will be credited to your Account as of that day. P yments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send year payment to Disarmer, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days for del Nery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-3472683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must amply with U.S. law. You mil be asked to provide bile first 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to slow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank aceaunl, as applicable, to correct error in the processing elation payment. You must fell rs the amourl of each payment, or you can select on amount such as Minimum Payment Due or the New Bae nce on each statement . You can cancer a payment, however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1.800.347-2683 or by mail at the address fisted in the previous paragraph. If your payments may vary in amount we will tell you an each monthly statement when your payment will be made and haw much t will be. Your Automatic payment amount may be less then the indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting, We may teport informal'ron about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reP.ecled in your credit report. We norm* report the status and payment history of you Account to credit reporting agencies each month. If you believe that our ream is inaccurate or incomplete. please write us at the following address: Discover, PO Box 15316, W*riington, DE 19850.5316 Please include your name, address, home telephone number and Amount number. P RIOOIC FINANCE CHAGES. Periodic Finance Charges are imposed an all transactions from the date the transaction is posted to your Account until the date you pay your entire Now Balance, by making payments or receiving credits. However, we will provide the following "grace period' It you paid the New Balance on your pervious biting statement by it (a Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new pjaChases, that is, purchases first appealing on this statement. Otherwise, you will receive a bdkV statement next month that includes Periodic Finance Charges on those new p mhases. There is no grace period on balance transfers or cash advances. We sat your transactions into gaps of purchases, cash advances, and balance transfers and then further sat the transactions within each group by their Annual Percentage Rate. For example purchases subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we minpule Periodic Finance Charges for each day of the billing period for each transaction category. We use die following equation to compute Periodic for each transaction category. Average Defy Balance x number of days in the billing period x Daily Pericd r' Rate. (See the finance charge summary on your statement for these amounts ) Then we add up the Periodic Finance Charges for each tram-action category to get the total Periodic Finance Charges for your Account The average Daily Balance is shown as zero 0. because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use &a Average Daly Balance (including now tra isecuons) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Bolaince for each transaction category by adding tap all the daily balances in a biting period for a transaction category and dividing the total by the number otdays in the billing cycle. 'e compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day If a transaction is posted to your Account after the close of the billing period in which t occurs, we will treat the transaction as haring occurred on the first day of the billing period in which it is posted to yourAcmunt. AIR fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to Me applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. ?n the special rate expires, we move the unpaid balance of the balance transfer and 0% Balance Transfer Tramactlon Fee Finance Charges b the standard purchase transaction tc egory. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for fix Deal) assistance, call 1.800347-7449. Discover may monitor andior record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 New Balance ER D CO Minimum Payment Due Account Number ending in 8863 l $5,872.03 IS V $116.00 ow Enter Amount Enclosed Be Payment Due Date $ December 17, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. 18 SDSNSAOI 0012472 TextAPP to DISCOV'to receive a link to our MARK WAAAS free mobile app and pay your bill in seconds 111 N PENN ST from anywherel SHIPPENSBUR6 PA 17257-1311 PO BOX 71084 111" CHARLOTTE NC 28272-1084 Address, email or telephone changell Print change in space )n?ri?niniiriinrirrir?ur?ii?nriu)rr)ni?niu)n?riu?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319058720300000000011600 Discover More Card Account Summary Closing Date: November 18, 2007 page 1 of 2 Account number ending in 8863 Previous Balance $5,202.42 Payment Due Date December 17, 2007 Payments And Credits 115.00 Minimum Payment Due $116.00 Purchases + 177.81 Credit limit $6,000.00 Cash Advances + 500.00 Credit Available $127.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 106.80 Cash Credit Available $127.00 New Balance = $5,872.03 Cashback Bonus® Opening Cashback Bonus Balance $ 1.47 New Cashback Bonus This Period ± -0,44 Cashback Bonus Balance $ 1.91 Cashback Bonus® Anniversary Month: January Cashback Bonus(Rl is America's #1 Cash Rewards Programl Full 5% Cashbock Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? 1. Visit Discovw com to pay your bill for no cwt, view your latest Account information, earn and redeem rewa.W and more it's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 17 Nov 17 INTERNET PAYMENT - THANK YOU $ •115.00 Services Nov I Nov 1 ALLSTATE *PAYMENT 800.255-7828 It 56.91 342874,4320071101 Cash Advances Nov 1 Novi CASH ADVANCE CHECK #5791 500.00 Nov 1 Nov? CASH ADVANCE TRANS FEE FINANCE CHARGE 15.00 Supermarkets Nov 4 Nov 4 GIANT FOOD #061 SHIPPENSBURG PA 120.90 010007 Wish you could sort these purchases by amount, description or category? You can - register at Discovercard.com to view your purchases online as far back as 12 months. Loam more at Discovercard.com/purchases Important Information. It there is more than one page to this bung statement, seethe back of each page for edcitioial important information. See your Cardmember Agreement. Your Cadmember agreement contains all the terms of your Account. Lost or stolen cards. Repot immediately! Call 1$00347-2683. Billing !tights Summary, In Case of Furors or Clues6onsAbout Your Bill: If you think your big is vaorg, or if you mead mote information about a transaction on your big, vane us on a separate sheet of paper at Discover, PO Box 30421, Sell Lake City, LIT 841300421, as soon as possible. We mast hear from you no later than 60 days after we sent you the fist big on which meenor or problem appeared. You can telephone us, but doing so will not preserve your rights. M your letter, give us the following information: Your name and Account number The'dollar amount of the suspected error Despite the error and explain, d you can, why you believe tare is an error. If you need more information. describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, bit you we still obligated b pay the parts of your bill that are not in question. While we investigate your question, we cannot iepon you as delinquent or take any action to coiled the anro nt you question. Special Rate for Credit Card purchases: if you have a problem with the uprefdy of goods or services bat you purchased with a credit card and you have tried in good faith to cared the problem with fine morchA you may not have to pay to remaining amount duke on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in you horse state or within 100 miles of your mailing address, (if we own or operate the, merchant, or if we mailed you the advertisement for it* good or services, all the purchase ere covered regardless of the amount or location of the purchase.) payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending you check as described above, you authorize us to use information on your check to make and electronic fund transfer from you account at i1e financial institution indicated on you check or to process the payment as a check transaction. If the payment is processed as an electronic hind transfer, the tansfet wig be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be witudrawrn from your account as soon as the same day we receive your payment, and you wt! not receive your check back host you hriancet institution. The processing of your payrment maybe delayed Ayer send cash correspondence or whet items with your payment, if you send the payment to any other address or if you use em envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM ki al time vii be credited to yourAccomil as of the nett day It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 days tordegvary If you payment is returned unpaid we reserve the right to resubmit it as ai electronic debit You can pay your minnwm payment or a greater amoun! over the telephone, and you can set up automatic payments. Call us at 1$00-3472683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of you account statement 21P code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank io dedunt each payment you authorize front your bank account, and to initiate debit or credit entries to your bank accorit, as applicabe, lo cored error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement, You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment. You may nobly us by phone at 1-800-347-2683 or by nail at the address listed A the prariaus paragraph. If you( payments may vary in amount we will lei you on each monthly statement when your payment will be made and how much it will be. Your s uiomafic payment amount may be less then the indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments. missed payments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of you Account to credit reporting agencies each month. If you believe dial our report is iaacwrere or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number and Account number. PERIDDIC FINANCE CHAGES. Periodic Fiance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, we A provide the following `grace period' It you paid the New Balance on your pervious tilling statement by the Payment Due Date shown on that statement. and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new pumhjeses, that is, purchases final appearing at the statement, Otherwise, yeu wilt receive a biting statement nett month that includes Periodic Finance Charges on those new purchases. There is no grace period on belonce transfers or cash advances. We sin you transactions into groups of purchases, cash advances, and balance transfers and then further sod the transactions within each group by their Annual Percentage Rate. For ekamp!e purchases subject to a promotional rate and purchases subject to standard rote would be separate groups. We refer to these groups as transaction caleWies. At the end yf each "' n' period, we mrhpuhe Periode fiance Charges for each day a r e liMitg period fa eacfi transadlorh category. We use the fdlowing equation to comphde Peiodic for aach Irensaction category Average Defy Balance x number of days in the b?'rg period x Da11y Periodic Rate. (See tote knaruce charge sirnmary on you statementia These amounts.) Then we add up the Periodc Finance Chagas fa each tots ec out category to lie! the Total Paio kc Finance Cfharges tar pour Acoou rt. The ah rage Da ry Balance is stawh as zero if, because of One dace period, no Aeriodic Finance Charges apply to the balance n a tiara sadbn category. We upe to Average Deily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balarjce for each transaction category by adding up ail the daily balances in a biting period for a transaction category and dividing the total by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by first adding the following to the previous days daily balance, transactions made that day, fees charged that day and Periodw Finance Charges accrued on that day, ff a transaction is posted to your Account after the dose of the biting period in which d occurs, we will treat Ore transaction as having occurred on the fast day of the biting period in which it is posted to your Account. Al te(is charged to your Account am added lo the standard purchase transaction cafagory with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. Where i . he special rate expires, we move line unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction Get". However, it the special ate has been terminated under the Default Rate P hart, we leave the unpaid balance of tie balance transfer and the Balance Transfer Transaction Fee 6mance Chagas in the applicable transaction category wbl tine special rate world have expaed. FerTDD (Telecommunications Device for the Deal) assistance, call 1.600-347.7449. Discover may monitor andtor record telephone calls between you and Discover representatives for quality assurance purposes The Aistover° card is issued by Discover Bank, Member FDIC. OlTBK107 DISCOVER It par MARK WADAS DISCOVER Account number ending in 886:3 Announcing Pending Transactions! You asked, we listened. Cordmembers can now view pending transactions onriml ?? ` .... _ iR_-- Check your purchases in rea(time to stay connected to your account r like never before either online or using your mobile device. a Log in to your account at Discover com from your laptop or your mobile device and see for yourseiff OW12 Di? Bank, Member FDIC Closing Date: November 18, 2007 page 2 of 2 Finance Charge Summary Polance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding A NNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FR"C:E Balances Rates RATES RATES CHARM CHARGES current billing period: 31 days Purchases $5327.71 0.05203% 18.99% F 18.99% $85.93 $0 Cash Advances $300.64 0.06299% 22.99% F 50.08% $5.87 $15.00 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $5,764.77 5114.04 Enter Amount Enclosed Below Payment Due Date $ 1 January 17, 2008 Please make check payable to Discover Card or pay online @ Discovercard.com. 18 SDSN8A01 0012473 MARK WADAS III N PENN ST SHIPPENSBURG PA 17257-1311 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere I PO BOX 71084 Illr,rllur,r,lllrrir,rrlII CHARLOTTE NC 28272-1084 InIrIlnlnrlrllnrlulrlwllllnrlululnl?rilulrrlJnll 000001986458011580319057647700000000011400 Discover More Card Account Summary Closing Date: December 18, 2007 page 1 of 1 Account number ending in 8863 Previous Balance $5,872.03 ,Paymerd Due Date January 17, 2008 Payments And Credits 200.00 Minimum Payment Due $1 14.00 Purchases + 0.00 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $235.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 92.74 Cash Credit Available $235.00 New Balance = $5,764.77 Cashback Bonus® Opening Cashback Bonus Balance $ 1.91 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 1.91 Cashback Bonus® Anniversary Month: January Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. 1. Visit Discover.eom to pay your bill for no cost, view your How Can We Help You7 . latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-80OLDISCOVER (347-2683) for fast, easy self-service ophons or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 6 Dec 6 INTERNET PAYMENT -THANK YOU $ -200.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.06025%; corresponding ANNUAL PERCENTAGE RATE: 21.99%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE HNA"a Ba es Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $5304.79 0.05203% 18.99% F 18.99% $82.81 $0 Cash Advances $525.65 0.06299% 22.99% F 22.99% $9.93 $0 ,The rates that apply to your Account are either fixed (F) or they may vary (V) as rated above. important Information. If there is more than ore page to this bil krg statement, see the back of each page for additional important information. See your Cardmember Agreement Your Cardmember agreement contains at the terms of yolrAcmunt. Lost or stolen cards. Report immediately! Call 1.600.347-2663. Bi6ing Rights Summary. In Case of Eras or Questions About Your Bid: ifyfu drink your bit's wrorg, or if your need more irdormmation abod a bansactiert on yourtzl, write us on a separate sheet of paper at Discover, PO Box 30421, Sah Lake City, UT 84130-0421, as soon as possible. We must (rear from you no later than 6D days slier we sent you the first bill on which due error or problem appeared. You can felepbone us, but doing to will not preserve your rights. in your letter, give us the faboirg information: Yourname and Account number The polar amount of the suspected error Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the dam you are unsure about. You do trot have to pay any amount in question while we are investigating, but you are sled obligated to pay fire parts of your bit that are not in queston. Wide we investigate your question, we cannot report you as delinquent or take any action to idled the amount you question. Special Rate for Credit Card Purchases: If you hays a problem with the quality of goods or services that you purchased with a credit card and you have tried jr) good IsAb to correct the with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than S550 a dre purchase was made in your home state du within 100 miles of your mailing address. (if we own or operate the merchant, or it we mated you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make and electronic fund transfer from your account at the financial institution indicated on your check or to process lire payment as a check transaction. If the payment is processed as an electronic fund transfer, the transfer All be for Ore amount of the check. When we use information born your check to make an electronic fund transfer, funds may be withdraw from your account as soon as the same day we receive your payment, and you will not receive your efteck back from your financial institution. The pocessing of your payment maybe delayed if you send cash, cnrresporxlenee Of other items ilb your naymera, 4 you send the pa ahem to any other address or if you use envelope other than the one provided. Payments received in proper form at our processing teeifity by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time wig be credited to yourAcuoant as of the next day. if yrou have misplaced your envelope, send your payment to Discoo?er, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an etedmnicdebil You can pay your rrnlmurn payment or a greater anlmrnt over the telephone, and you can set up automatic payments. Call us at I SOO-3472683 You will need this statement and your bank account information. You must ensure that suffic rte finis are available in your bank account, and all transactions must comply with U.S. law. You will be asked W provide the first 5 digits of you account statement ZIP rode. By entering those numbers as your electronic signature, you will be agreeing to Die adllonzation to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank socouM, as applicable, to mired error in the processing of such payment. You must tell us the aratrd of each payment, or you can select an amount such as Minimum Payment Due or the New Balance an each statement. You can can(e) a =ever we nest receive notice at least three business days in advance of the scheduled payment. You may hardy us by phone at 1-11W347-2683 or by mad at the adkhdss 1Rted in cite previous paragraph N your payments may very ter amount we will tell you at each monthly statement when you payment will be made and how much it wilt be. Your Automatic payment amount may be less then the indcated on the monthly statement based on credits at payments applied during the billing coo. Cred& Reporting. We may report information about your account ro credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your uedil 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 writs us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Rance, by making payments of receiving credits. However, we will provide the following'pre period" if you paid the New Balance on your pervious billing statement by the Payment Due Date shown on Nat statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges an new purcljases, that is, purchases first appearing on this statement Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We son your transactions into groups of purchases, cash advances, and balance transfers and then further. son the transactions within each group by their Annual Percentage Rate. For example purchases subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories. At the end 0 each biting period, we compute Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic for each transaction category. Average Deity Balance x number of days in the billing period x Daly Periodic Rale. (See the finance charge summary on your statement for time amounts.) Then we add up the Periodic Finance Charges `,or each transadian category to get the total Periodic Finance Charges fcr your Account. The arerage Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (amcluding new transactions) method of calculatxg the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each aensadiorh category by addles up all the daffy balances in a ts?ing pared fa a IranssCtion ptegay and dividkhg the total by the dumber d days in the biling cycle. We (ampule the daily balance tor each transaction category on sad day by firs! add ng the foNav ng to the pr¢vias day's da ly balance. transact ors made that d ty, /ees charged Ihat ley and Periodic Finance Charges acrnhed an that day. if a transaction is posted to yourAccouM after tine ckue of the billing period in which it occurs, we vr41 Treat Uhe transaction as t ?vkhg occurred on rte lust day ofdte b t ng period n wtsen it a posted ro yoerAeoouM. AN fees charged to yourAccount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the I the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance fransler transaction category the special rate expires, we more the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if die special rate has been terminated under the DefauN Rafe Plan, we leave the repaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable Irarsaclion category until the special rate would have expired. For TOO (Tefeeommuniealbns Device for the Deaf( assistance, call I-OW347-7449. Discover may momfor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. 017BK107 DISCOVER New Balance [minimum Payment Due Account Number ending in $863 $5,859.72 $116.00 Enter Amount Enclosed Below Payment Due Date $ February 17, 2009 Please make check pay online @ Discovercard to Discover Card or 18 SDSN6AO10012474 MARK wADAS Ted APP to DISCOV• to receive a link to our 111 N PENN ST from any herrel and pay your bill in seconds SHIPPENSBURG PA 17237-1311 PO BOX 71084 11 Ito 11111111011 1111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1n1i11u1iu1r11till IlIiuIIIIutill ? ? ? I II [ I above, or go to Discover.com. Print your e-mail address to n n n I I I receive important Account information and special offers. 000001986458011580319058597 200000000011600 Discover More Card Account Summary Closing Date: January 16, 2006 page 1 of 1 Account number ending in 8863 Previous Balance $5,76.4.77 Payment Due Date Febniary 17, 2008 Payments And Credits 115.00 Minimum Payment Due $116.00 Purchases + 113.82 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $140.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 96.13 Cash Credit Available $140.00 New Balance $5,859.72 Cashback Bonuse Opening Cashback Bonus Balance $ 1.91 New Cashback Bonus This Period + 0.28 Cashback Bonus Balance $ 2.19 Cashback Bonus(D Anniversary Month: January Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashback Bonus on Get More purchases in popular categories h h h 1 d t roug out t e year an up to % Cashback Bonus on ail your other purchases. How Can We Help You? p I • Visit Discovercorn to pay your bbl for no cost, view your latest Account Information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (3472683) for fast easy self.service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD lassistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84) 30 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. D Post ate Date Payments and Credits Jan 17 Jan 17 INTERNET PAYMENT -THANK YOU $ .115.00 Services Jan 7 Jon 7 ALLSTATE "PAYMENT 800.255-7828 IL 113.82 3499968920080107 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Baldness Rates PERCENTAGE PERCENTAGE FKANCE FINANCE RATES RATES r {ARLES CHARGES current billing period: 31 days Purchases $5311.80 0.0520396 18.99`Yo F 18.99% $85.67 SO ,Cash Advances $535.85 0.06299% 22.99% F 22.99% $10.46 $O The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information. If there is more than one page to this biting statement. see the back of each page for additional important infonhalton. See your Cardmember Agreement. Your Cardmember agreement contains all the terms of your Account. Lost or stolen cards. Report irxned ialdyt Cap 1.800.347.2683. Billing Rights Summary. It Case of Emots or Questions AboutYerr Big: Oyou think your bll is wrong, o rd you need more information about a transaction on your bit, *Is us on a separate shestof peperat Discover, PO Box 30421. Sak Lake City, UT841X 042t, as soon a5 possible. We must hear front you no faterkan 60 days after we sent you the first big onivithich the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Ypu name and Account number Tie dollar amount of the suspected error Describe the error and explain, H you can. why you believe amen is an error. If you need mote information, describe the dem you are unsure about. You do not have to pay any amount in question while we are investigating, but you are std obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as degndpast or take any action to collect the amount you question. Z ecial Rate for Cradle Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good fel h to correct th problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more then $5p and the purchase was made in you haute state or within 100 miles of your mailing address. (it we own or operate the merchant, or if we mated you the advedsemerd for the good or services, at the purchase are covered regardless of the amount or location of she purchase.) Payments. Send only you payment and the lop portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make and electronic 5umd transfer from your sooount at the financial institution indicated on your check or to process the payment as a check transaction. If the payment is processed as an electronic fund transfer, the transfer wig be for the amount of the check. When we use information from your check to make an electronic fuixi transfer, funds may be withdrawn from your account as soon as the same day we race ive your payment, and you wiff not receive your check back from your financial institution. The processing of your payment maybe delayed it you send cash, correspondence or other items with your payment, if you send the payment to any other address or O you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local tune on any day will be credited to your Account as of that day. Payments received at our processug facility after 5PM local time will be credited to yourAcooumt as of the next day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please avow 7-10 days fa delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debt. Ydu can pay your mihinum payment or a greater amount over the telephone, and you can set up automatic payments. Cat us at 1.800.3472883. You will need This statement and yo r bank account information. You must ensure that sufficient funds are available in your bank accent, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorisation to allow us and your bank to deduct each payment you auttarke from your bank account, and to initiate debil or credit entries to your bank account, as applicable, to cared error in are processing of such payment. You must tell us the amount of each payment, or you can select an amount such as lAndmum Payment Due or the New Balance on each statement: You can cancel a o???v;m,,,e?n,,t, however we must receive notice at least twee business days in advance of the scheduled payment. You may notify us by phone at 1$110347.2683 or by mail at the ° 1 Tess listed in the previous paragraph. If you payments may very in amount we well tell you on each monthly statement when you payment will be made and how much it will be. Ygur Automatic payment amount may be less than the indicated on the nionthry statement based on credits or payments applied during His billing oyde. Credit Reporting. We may report information about your account to credit bureaus. Late payments, messed 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. 11 you believe that our report is inaccurate or incomplele, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19650-6316. Please include your name, address, home telephone number and Account number. P RIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the. date the transaction is posted to yourAccount until the date you pay your entire N tw Balance, by making payments or receiving credits. However, we will provide the following "grace period' It you paid the New Balance on you pervious billing stailamentby the Payment Due Dala shown on that statement, and you pay this New Balance by the Payment Due Date on this statement we wig riot impose Periodic Finance Charges on new purchases, that is, purchases flat appealing on this statement. Otherwise. you will receive a billing statement next month that includes Periodic Finance Charges on time new pugcfases. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example purchases subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories, At the e d of each biting period, we compute Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equalton o corn" Periodic foil each transaction category. Average Daly Balance x number of days in the biting period x Daily Periodic Rate. (See the finance charge summary on your statement frr these an ounts) Then we add up the Periodic Finance Charges far each transaction cat-?goy to get the total Pel iodic France Charges for your Account. (he average Daly Balance s shown as zero 4. because of to grace period, no Periodic Finance Charges apply to the balance in a transaction category. W use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily lance for each transaction category by adding tip all the daily balances in a billerg period for a transaction category and dividing the total by the raxnber of days in the bd* cycle. compute dot daily balance for each transaction category on each day by first adding the following to the previous day's daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. If a transaction is posted to your Account after the close of the billing period in which it occurs, we w it treat the transaction as having occurred on to first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to One standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the appraable cash advance transaction category and Balance Transfer Trarsaclon Fee Finance Charges which are added to the app table balance transfer transaction category. N4ren the special rate expires. we move he unpaid balance of the balance, "miter and the 8alance Transfer Transaction Fee F»arae Charges to ft standard purchase transaction category. However, g to special ate has been temgnated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Foe Finance Charges it the applicable transaction category until the spatial rate would have expired. For TOD (Telecommunication Device for the Deaf) assistance, call 11.800.347-7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Mentor FDIC. OITBK107 New Balance DISCOVER Minimum Payment-Due] Account Number ending in 8863 $5,917.63 $117.00 Enter Amount Enclosed Below Payment Due Date $ ?- March 17, 2008 please make check payable to Discover Card or pay online ® Discovercard.com. 18 SDSN6A01 0012475 MARK WADAS Text APP to DISCOV" to receive a link to our 111 N PENN ST free mobile app and pay your bill in seconds from anyMherel SHIPPENSBUR6 PA 17257-1311 PO BOX 71084 lllrrriirrrrrriflnlsrrri+? CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319059176300000000011700 Discover More Card Account Summary Closing Date; February 18, 2008 page 1 of 2 Account number ending in 8863 Previous Balance $5,859.72 Payment Due Date March 17, 2008 Payments And Credits - 120.00 Minimum Payment Due $117.00 Purchases + 80.66 Credit Limit $6,000.00 Cash Advances + 0.00 Credit Available $82.00 Balance Transfers + 0.00 Cash Credit Limit $3,000.00 Finance Charges + 97.25 Cash Credit Available $82.00 Now Balance = $5,917.63 Cashback Bonuse Opening Cashback Bonus Balance $ 2.19 New Cashbock Bonus This Period + 0.20 Cashback Bonus Balance $ 2.39 Cashback Bonus® Anniversary Month: January Cashback Bonus(R) is America's #I Cash Rewards Programl Full 5%Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? P 1. Visit Discover con to pay your hA for no cost, view our latest Account information earn and redeem rewards and more It's your choice - 3 ways to help , 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. r T s P s fete Da De Payments and Credits Feb 17 Feb 17 INTERNET PAYMENT -THANK YOU $ .120.00 Merchandise/Retal Feb 13 Feb 13 WAL-MART SC - #5358 SHIPPENSBURG PA 44.04 Government Services Feb 13 Feb 13 USPS 4134870257 SHIPPENSBURG PA 36.62 Important Information. If time is more than one page to this billing statement, seethe beck of each page lbr additions irriporwnt information. See your Cardmember Agreement. Your Cardmember agneemaht contains all the terms, of your Amount Lost or stolen cards. Report immediiafelyt Call 18NO.367-2661 Billing Rights Summary. In Case of Errom or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake Cry liT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the frst bill on witch the error or problem appeared. You can. telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number The dollar amount of are suspected error Describe the error and explain, t you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or lake any action to collect the amount you question Special Rate for Credit Card Purchases: If you have a problem with the quality of goods or services tat you purchased wfih a credit card and you have hied in good faith to correct the problem with the merchant, you may not trove to pay the remenahg amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (if we own or operate the merchant, or if we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use information on your dock to make and electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction- If the payment is processed as an electronic kind 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 sawn as the same day we receive your payment, and you will not receive your check bad: from your f nancial nslitution. The processing of your payment maybe delayed if you send cash, correspondence or other gems with your payment, d you send the payment to any other address or it you use an envelope other than the one provided. Payments received in proper tomb at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Cara Stream, IL 60197.6103. Please allow 7-10 days for dekvery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cal us at 1-8"72683, You will need this statement and your bank account information. You must ensure that sufficient funds am available in you bard; account, and all transactions most comply with U.S. law. You wk beasked to provide the fast 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature, you wll be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to correct error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as Oni um Paymenl Due of the New Balance on each statement You can cancel a payment, however we must feceive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1.8f347.2683 or by mail at the address listed in the previous paragraph. t you payments may vary kin amount we will tell you on each monthly statement when your payment will be made and tow much it will be. Your Automatic payment amount may be less than the irrmcated an the mon64ystatemant based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit Iepon. We normally report the status and payment history of your Account to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at the following sddfess: Discover, PO Box 15316. Wilmington, 0E 198545316. Please indude your name, address, home telephone dumber and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entre Now Balance, by aakwv payments or raceiang aedo& However, we will provide the fotowfng'grece perod' If you paid the New Balance on your pervious billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sat the transactions within each group by their Annual Percentage Rate. For example purchases subject to a promotional rate and purchases subject b standard rate would be separate groups. We reter to these groups as transaction calegaies. At the end of each filling period, we compute Periodic Finance Charges far each day of Me biting period for each transaction category. We use the fotlowng euyuation to cattpuro Periodic for each transaction category. Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (See the finance charge summary an your statement for these ameunts.) Then we add up the Periodic Finance Charges for each transaction category to get tha total Periodic Finance Charges for your Account. The avoage Daly Balance is shown as zero it, because o (the grace period, no Periodic Finarwe Charges apply to the balance in a IransacGar cola".. We use the Average Daly Balance (including new transedions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the biing cycle, We compute the daily balance for each transaction category on each day by first adding Me following to the previous days daily balance, transactions made that day, fees charged Mat day and Periodic Finance Charges accrued an that day if a transaction is posted to your Account after the close of the billing period in which it occurs, we wig treat the trauadlon as having occurred on the frst day of the bit ting period in which it is posted to your Account. Ali fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Chagas which are added to the applicable balance transfer transaction category. When the special rate expires. we nova the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, t the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the applicable transaction category until the special ale would have expired. For TDD (Telecommunications Device for the Deaf) assistance, cat 1-800-347.7449. Discover may monitor and/or record telephone cats between you and Discover representatives for quality assurance purposes The Discovers card is iswued by Discover Bank. Member FDfC. 01TBk107 DISCOVER It pays to MARK WADAS DISMER: Account number ending in 8863 Announcing Pending Transactions! You asked, we listened. cardmembers can now vieW pending r a transactions onlinel ??- Check your purchases in reoltime to stay connected to your account like never before either online or using your mobile device. 9 Log in to your account at Discover.cwn from your laptop or your mobile device and see for yourself! r1? . 02012 Discover Bank, Member FDIC Closing Date: February 18, 2008 page 2 of 2 Finance Charge Summary F alance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE KATE: 5.909'0. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rues RATES RATES CHARGES CHARGES current billing period: 31 days purchases $5368.06 0.05203% 18.99% F 18.99% $86.58 $0 Cash Advances $546.41 0.06299% 22.99% F 22.99% $10.67 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. vesl'ions? Manage your account at Discover.com or call 1-800-DISCOVER {1-800-347-26831. 0 m a 0 0 N p r New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $5,879.22 [$116.00 Enter Amount Enclosed Below Payment Due Date $F7- April 17, 2008 Please make check payable to Discover Card or pay online a Discovercord.com. 18 SDSN6A01 0012476 MARK WADAS Text APP to DISCOV to receive a link to our I11 N PENN ST free mobile app and pay your bill In seconds from anywherel SHIPPENSBURG PA 17257-1311 PO BOX 71084 Illndluuulllnlnul?l CHARLOTTE NC 28272-1084 Address, e-mail or telephone charge? Print change in space lirlillulirrlr?lrrrlrrlrlrullllnilrrlrrlrrllnliilnlrlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers, 000001986458011580319058792200000000011600 Discover More Card Account Summary Closing Date. March 18, 2008 page 1 of 1 Account number ending in 8863 Previous Balance $5,917.63 Payment Due Date April 17, 2008 Payments And Credits 130.00 Minimum Payment Due $116.00 Purchases + 0.00 Credit Limit $7,200.00 Cash Advances + 0.00 Credit Available $1,320.00 Balance Transfers + 0.00 Cash Credit Limit $3,600.00 Finance Charges + 91.59 Cash Credit Available $1,320.00 New Balance $5,879.22 Cashback Bonuse Opening Cashback Bonus Balance $ 2.39 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 2.39 Cashback Bonus® Anniversary Month: January Cashback Bonus{R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your other purchases. How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 1. Visit Discover con to pay your big 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 Guarantee Use your Discover Card with confidence. TDab Date Payments and Credits Mar 17 Mar 17 INTERNET PAYMENT - THANK YOU $ -130.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE F*jANcE Balances Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $5396.01 0.05203% 18.99% F 18.99% $81.42 $0 Cash Advances $556.82 0.06299% 22.99% F 22.99% $10.17 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. important Information. It there is more than one page to this filling statement, we the back of each page for add" inpatant information, See your Cafdmember Agreement. Your Cardmember agreement contains all the terms of your Accouk Lost air stolen cards. Repot immedistelyll Call 1-MO-347-2683. Bill' Rights Sammary. In Case of Errors or Questions About Your Big: It you think you bill is moll, or if you need more information about a transection on you bill, wife us on a sepal k sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130-D421, as soon as possible. We must hear from you no later than 60 days aterwa sent you the first Hit on the erns or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the fallowing information: Your from and Account number The dollar amount of the suspected error Deschbe the error and explain, if you can, why you believe there is an error. if you need more information, describe the item you are unsure about. You d0 not have to pay any amount in question while we are investigating, but you are still obligated to pay the palls of your big that are not in question. While kye investigate your question, we cannot report you as delMuent or lake any action to coned Ohs amourd you question. Speci#I Rate for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount dire on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase wee made in you home state or within 100 miles of your mining address. (t we own or operate the merchant, or if we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Paym its. Send only your payment and the top portion of the statement in the envelop provided. Do not send rash. By sending year check as described above, you authorize us to usaIpnformation on your check to make and electronic fund transfer from your account at the financial institution indicated on you check or to process the payment as a check transaplioh. If the 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 She same day we receive your payrnent and you Will not receive you check back from your financial nsiblim. The prbcessng of your paymrent maybe delayed if you send cash, cn resod dance cr ogler items with yeu+ payment. if you send ilia payment to any other address or if you use an envel other than the one prowled. Payments received in proper form at our processing facility by 5PM local tune on any day will be credited to you Acooum as of that day. Paymints received at our processing facility after 5PM local time wig be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to drsrwver, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. Ir ym payment is returned unpaid, we reserve the right to resubmit l as an electronic debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cal us at 1-800-3472683. You will need this statement and your b nk account information. You must ensure that sukient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 dgms of you account statement ZIP code. By entering those numbers as you efectroric signature, you wiq be agreeing to this authorization to allow us and you bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account. as applicable, to correct error in the processing of such payment. You roust left ors the amount of each payment, or you can select an amount such as Mmimuin Payment Due or the New Balance on each statement. You can cancel a paym nt, however we must receive- notice at least three business days in advance of the scheduled payment. You may no* us by phone at 1-800-347-2683 or by mail at floor ad listed in the previous paragraph- II your payments may very in erraunt we will tell you on each monthly statement when you payment will be made and how much it will be. Your Automatic payment amount may be less then Ore indicated on the monlity, statement biased on credits or payments applied during the billing cycle. Credil Reporting. We may report information about you account b credit bureaus. Late payments, missed payments, or other defaubts on your account rosy 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 fiat our report is inaccurate or incomplete, pleas' write us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number and Account number. PERJgDJC FINAMCF CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay you entire New Balance. by making payments or receiving credits. However, we will provide the following "grace period' If you paid to New Balance on your pervious billing statement by Iletee p ryrtent Due Data shown on that statement, and you pay the New Balance by the Payment Due Date on this statement we will no impose Periodic Finance Charges on new $as, Goal is a;, purchases fast appearing on Ih s stalemem. OOherwise, you will receive a bung statement next mach that includes Periodic Finance Charges on those new pure- ses. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases ash advances, and balance transfers and then further sod the transactions within each group by theirAnhual Percentage Rate - For,,example apurchases subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to gnaw groups as transaction categories. At the end oftachh bgq period, we compute Periodic Finance Charges for each day of the !Ming period for each transaction category We use the following equation to compute Periodic for ea4h transaction category. Average Daly Balance x number of days in the billing period x Daily Periodic Rate. (See the finance charge summary on you statement for these amounts. IThen lie add up the Periodic Finance Charges for each transaction category to get the total Periodic Finanxa Charges for you Acne-ant. The average Daly Balance is showni as zero if. because of the grace period, no Periodic Finance Charges apply to the balance in a traceackon category. We use the Average Daly Balance (moludng new oansactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily 8&rqe for transaction category by adding up all the daily balances in a biting period for a transaction category and dividing the total by the number of days in the billing cycle. We the daily balance for each transaction category on each day by first adding the follow" to the previous d* daily balance, transactions made that day, leas charged that y and Periodic Finence Charges accrued on that day. If a transaction is posted to your Account after the close of the billing period in which it oomrs, we will treat Use transaction as hating occurred on the first day of ite billing period in which it is posted to your Account. Ali fast; charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When ghe special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase lransecion flowgver, if the special rase has been lermnaled under the DeW Rate Plan, we leave the unpaid balance of the balance transfer and The Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For T40 (Telecommunications Device for the Deaf) assistance, call 1.800-347.7449. Discovaf may monitor andior record telephone cells between you and Discover representatives for quality assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER New Balance Minimum Payment Due Account Number ending in 8863 $6,236.65 1$238.00 Enter Amount Enclosed Below Payment Due Date $ l May 17, 2008 Please make check payable to Discover Card. Minimum payment due includes a past due amount of 3116.00. 18 SDSN6A010012477 MARK WADAS Text APP to DISCOV* to receive a link to our tree mobile app and pay your bill in seconds 111 N PENN ST from anywhere) SHIPPENSBURG PA 17257-1311 PO BOX 71084 {{}m{{uuu{{{u{uu{{{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (u{r{{rr{nr{r{{nr{a{r{nr}{?{nr}n{n}n{}n{u}u}r{n}{ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319062366500000000023800 Discover More Card Account Summary Closing Date: April 18, 2008 page 1 of 2 Account number ending in 8863 Previous Balance $5,879.22 Payment Due Date May 17, 2008 Payments And Credits 0.00 Minimum Payment Due $238.00 Purchases + 258.23 Credit Limit $7,200.00 Cash Advances + 0.00 Credit Available $963.00 Balance Transfers + 0.00 Cash Credit Limit $3,600.00 Finance charges + 99.20 .Cash Credit Available $963.00 New Balance = $6,236.65 Cashback Bonuse Opening Cashback Bonus Balance $ 2.39 New Cashback Bonus This Period + 0.54 Cashback Bonus Balance $ 2.93 Cashbock BonusO Anniversary Month: January Congratulations! Your Account credit limit has been increased to $7,200.00. How Can We Help You? 1 • Visit Discover corn to pay your 641 for no cost, view your latest Account information, earn and redeem re wards and more It's your choice - 3 ways to help 2. Coll 1-800-DISCOVER (3.47-2683) For fast, easy self service options or to speak with a Customer Service Account Manager Please have our Discover Card available. your 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. s. Post Tran Dane Dale O*wr/waceffar»ous Apr 18 Apr 18 LATE FEE $ 39.00 Services Mar 18 Mar 19 DISH NETWORK-ONE TIME 800333.3474 CO 63.59 Apr 3 Apr 3 ALLSTATE *PAYMENT 800.255-7828 IL 60.10 3589330 120080403 Supermarkets Apr 9 Apr 9 GIANT FOOD #061 SHIPPENSBURG PA 010002 95.54 Information For You last month, your account qualified For a lower APR due to your payment history. Although a payment was not received this month by your due date, we have not increased your purchase APR. If you fail to make another payment by your due date, we do reserve the right to increase your APR per the Cardmember Agreement Default Rate Plan. * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. important Information. If there is more than one page to his billing statement, see the bade of each page for additional important information. See your Cardmember Agreement. Your Cardmember agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1800447.2683. Billing Rights Summary. In Case of Entire or Questions About Your Bit: t you think your bill is wrong, or t you need more information about a transaction on your bill, write us on a saparale sheet of paper at Discover, PO Box 30421, Sag Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and Account rwmber the dollar amount of the suspected error Describe the error snd exptam. A you can, why you believe there is an error. If you need more information, describe the Aem you are unsure about. Y u do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your qr lion, we cannot report you as delinquent or (eke any aaron to collect the amount you question. Soecial Rate for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protedion only when the purchase price was more than $30 and the purchase was cede in your home slate or within 100 miles of your maTmg address. (if we ohm or operate the merchant, or if we railed you the advertisement for the god or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash, By sending your check as described above, you authorize us tq use information on you check to make and electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check trpnsaction. If the 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 dectroruc fund transfer, hands may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or A you use an envelope other than the one provided. Payments received in proper form at our processing featly by 5PM local time on any day will be credited to your Account as of tat day. Payments received at our processing facility after 5PM local time wig be credited to yourAccount as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 5103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit if as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-3472663. You wig need this statement and rur bank account information. You must ensure (hat sufficient funds are available in your bank account, and at transactions must compfy with U.S. law. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature, you wilt be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank aaaml, and to imitate debit or credit entries to your bank account, as applicable, to correct error in the processing of such yment. You must fail us the amount of each payment, or you can select an amDu nt such as Minimum Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment. You may no* us by phone at 1-800-347-2683 or by mail at the address listed in the previous paragraph. It your payments may vary in arnohml we will het you on each monthly statement when your payment will be made and how much n win be. Ybur Automatic payment amount may be less then the indicated on the monthly statement based on credits or payments applied during the btmg cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your {edit report. We normally report the status and payment history of your Account to credit reporting egerims each month. If you believe that our report is inaccurate or ncompl0e, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number and Account number. P?RIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions (corn the dale the transaction is posted to your Account until the date you pay yaw ent re F Bence, by making payments or receiving credits. However, we wig provide the totowng `grace period" If you paid the New Balace on your pervious bang stalomerit by ayment Due Date shown on that statement. and yon pay the New Balance by the Payment Due Date en this statement we will not impose Periodic Finance Charges on new hases, that is, purchases first appearing on this statement. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on terse new purchases. There is no grace period on balance transfers or cash advances. We sort yew transactions into groups of purchases, cash advances, and balance transfers and then ruiner sort the transactions within each group by their Annual Percentage Rate. For example purchases subject to a promotional rate and purchases subject to standard Fate would be separate grails. We refer to these groups as transaction categories. At the end of each "In' period. we dxampule Period c France Charges for each day of the bttahg period fa each transadan category. We use the following equator to compute Peri?c fqr each transaction category. Average Defy BalanCB x number of days r t e tit rig period x Da ly Pe io c Rare. (See the finance large summary on you statement for these ahaonls.) Then v.?e add up the Periodic Finance Charges for each uar>sadion category W qel the total Periods; Finance Charges for your Account. The average Daily Balance is shown as zero t, beranrse of the grace period, no Pat od:c Finance Charges apply b the ban ice r a transaction categoy. We use the Average Daily Balance (Including new trarhsadiorns) method of calculating the balance upon which we impose Periodic Finance Charges. We cornpute the Average Daily Balance for each transaction category by adding up at the daily balances in a billing period for a transaction category and dividing the total by the number of days in the bang cycle We compute the daily balance for each transaction category on each day by fist adding the following to the previous day's daily balance, transactions made that day, fees charged that day and Periodic France Charges accrued on that day. If a transaction is posted to your Account after the close of the billing period in which it occurs, wa ail treat the transaction Is having occurred on the first day of the biting period in which A is posted to your Account . L fees darged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to tlpa applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. yh hen the spacial rate expires. we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, 4 the special rate has been terminated under the Default Rate Plan, we leave die unpaid balance of the balance transfer and the Balance Transfer Transaction Ace Finance Charges in the applicable transaction category untl the special rate would have expired. i For TOD (Telecommunications Device for the Deaq assistance, call 1.800-347-7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes The Discover° card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER It pays to Announcing Pending Transactions! You asked, we listened. Cordmembers can now view Pending transactions online! Check your purchases in realtime to stay connected to your account like never before either online or using your mobile device. Log in to your account at Discover.corn from your laptop or your mobile device and see for yourselft 02012 Discover Bank, Member FDIC MARK WADAS Account number ending in 8863 dosing Date: April 18, 2008 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE RHANCE Balances Rates RATES RATES C CHUGES current billing period: 31 days Purchases $126.20 0.04381% 15.99% F 15.99% $1.71 $0 Past Purchases $5358.62 0.05203% 18.99% F 18.99% $86.41 $0 Cash Advances $567.44 0.06299% 22.991/6 F 22.99% $11.08 $0 The rates that apply to your Account are either fixed (F1 or they may vary M as noted above. QUeStiOnS? Manage your account at Discover com or call 1-800-DISCOVER (1-800-347-2683). a ? z m 0 b 0 N P -7 J DISCOVER $5New Bal 1850.49 ance 18 S06NO07 0012478 MARK WADAS 111 N PENN ST SHiPPENSBURG PA 17257-1311 Minimum Payment Due Account Number ending in 8863 $116.00 Enter Amount Enclosed Below Payment Due Date $ 1 June 17, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your s-mail address to receive important Account information and special offers. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere) PO BOX 71084 Illurllnanrlllu(nulll CHARLOTTE HC 28272-1084 Ixnlnllnnlnnnlnllnnnlnnlnlnnnllllnnn(lnlnxlnnllnnlulnnlnf nr(I 0000019864581111580319058504900000000017x600 Discover More Card Account Summary Closing Date: May 18, 2008 page 1 of 1 Account number ending in 8863 Previous Balance $6,236.65 Payment Due Date June 17, 2008 Payments And Credits - 483.00 Minimum Payment Due $116.00 Purchases + 0.00 Credit limit $7,200.00 Cash Advances + 0,00 Credit Available $1,349.00 Balance Transfers + 0.00 Cash Credit Limit $3,600.00 Finance Charges + 96.84 Gash Credit Available $1,349.00 Now Balance $5,850.49 Cashback Bonuse Opening Cashback Bonus Balance $ 2.93 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 2.93 Cashbock Bonuse Anniversary _ Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? 1- visit Diseovsn:eom to pay your fa8 far no coat, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast easy sel 3WYice Please have your Discover Card available options or to speak with a Customer Service Account Manager . For TDD )assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guatarttee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 1 May 1 INTERNET PAYMENT - THANK YOU $ -238,00 May 17 May 17 INTERNET PAYMENT - THANK YOU -245.00 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee D aily 6dic R Pi S P1TAGE PERCENTAGE FINANCE Ah S CHARM ates es Bad current billing period: 30 days Purchases $261.79 0.04381% 15.99% F ) 5.99% $3.44 $0 Past Purchases $5284.51 0,05203% 18.99% F 18.990/. $82.47 $0 Cash Advances $578.A5 0.06299% 22.99% F 22.99% $10.93 $0 The rates that apply to your Account are either fixed IF) or they may vary (VI as noted above Important Information. If there is more than one page to this billing slatemerrL see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmember Agreement oomtain s at the terms of your Account. Last or stolen cards. Report knmediately! Cat 1.800.347-2683. B Iling Rights Summary. In Case of Eaars or Queskons About Your Bill: V you think your bill is wrong, or 4 you need more informatiah about a transaction on you bill, write to us on a arele sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130.0421. as soot as possible. We must hear from you no later than 60 days a f ler we sent you the first bill on vi ch the error or problem appeared. You can telephone us, but doing so will not preserve you rights. In your letter, give us the following information: Your name andAcwurht number. • the dollar amount of fire suspected error • escrbe the error and explain, if you can, why you behove there is an error. It you need more information, describe he item you are unsure about You do not have to pay any amount In question while we are investigating, but you are still obligated to pay the pans of your bill that am riot in question. While we investigate your question, we cannot report you as delinquent or take any action to coked the amount you question. Special Rule for Credit Chid Purchases: If you have a problem with the qua* of goods or services that you purchased with a credit card, and you have tried in good faith to correct (fie problem with the merchant you may act have to pay tie remainirhg amount due on the goods or services. You have this pruleutah only when the purchase price was more than 0 aid the purchase was made in your home state or within 100 miles of your rmdikng address. pf we own or operate the metchant, or if we mailed you the adverbsemend for the goods or as, all purchases are covered regi nNess of the amount or location of purchase) P?yments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. it (payment is processed as an electronic turd transfer, the transfer wilt be for the amount on file check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from you account as soon as the same day we receive your payment, and you will not receive your check back from your financial irstiluti n. The processing of your payment may be delayed it you send cash, correspondence or other items with your payment, if you send the payment to any other address of 4 you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to you Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6903, Card Stream. IL 501976103. Please allow 1-10 days for delivery. If your payment is returned unpaid, we reserve 6% right to resubmit q as an electronic debit You can pay your minhmhm payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-347-2683. You will need this statement and your b?nk account information You must ensure that sufficient funds are available in your bank account and l transactions must comply with U.S. law You will be asked to provide the final 5 digits of you account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to slow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must ell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a peymenL however w@ must receive notice at least #use business days in advance of the scheduled payment You may notdy us by phone at 1-800-347-2683 at by moo at the address listed in the previous paragraph. If your payments may vary in amount, we will tell you an each monthly stalementw hen your paymentwlil be made and how much it will be. YourAuirimelic payment amount may be less amen indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report inlamatio n about your account b credit bureaus. Late payments, missed payments, or other defaults an your account may be reflected in yaks credit r ly report the status and payment history of you Account to credit reporting agendas each month. If you believe that our report is inaccurate or incomplete, please write' 1-110!1=1=9 address: Discover, PO Box 15316. Wilmington, DE 19850.5316. Please include your name, address, home telephone number and Account number. d RIODIC FINANCE CHARGES. Periodic finance Charges are imposed on all transactions from the date tie transaction is posted to your Account until the date you pay your enure t?ew Balance, by making Payments or receiving credits. However, if you paid the New Balance on you previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on your current billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing co the current statement. We call this the grace period. Otherwise, you wig receive a billing statement next month that includes Periodic Finance Charges on those new purchases. Thera id no grace period on balance transfers or cash advances. V?e sort your transactions into groups of purchases, cash advances, and balance transfers and then further sat the transactions within each group by their Annual Percentage Rate. Fo a Kemple, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of a acchhhhn Ming period, we compute balances and Periodic Finance Charges for each day of the biting pe od to each transaction category. We use the following equation to eomptne F eriodic Firnence Charges for each transaction category. Average Daily Balance x number of days in the bang period x Daily Periodic Rate. (You may refer to the hum charge s Am" on your bitting statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Amount. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category- vlle use the Average Daly Balance (ihtdudmg new transactions) me" of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up at the daily balences in a billing period for a transaction category and dividing to total by the number of days in the billing cycle. We mpute the daily balance for each transaction category on each day by first adding the fotowirg to the previous days daily balance: transactions made that day, fees charged that day Periodic Finance Charges accrued on the, previous days daily balance; and by than subtracting any credits end payments that are applied against the balance of to transaction legory on that day. In calculating the daily balance for the fxst day of the bung period, we consider the "previous day's balance to have been your balance for each transaction c,ya?tegory on file last day of yoerp:evroas billing period. If a transaction is posted to yourAcciwnrater to close of file billing period in which 4 oceas, we will heat the kansedim as hav- "rn occurred on the first day of the billing period in which it is posted to you Account. All fees charged to your Amount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the atppliceble cash advance transaction category and Balance Transfer Transaction Fee Frances Charges which are added to the applicable balance transfer transaction category. When q special balance transfer rate engines, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase barsaetion category. However, it the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TOD (Telecommunications Device for the Deal) assistance, please call 1-800.347.7449. Discover may monitor andbr retard telephone calls between you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Bank, Member FDIC. OITBK170 New Balance Minimum Payment Due DISCOVER Account Number ending in 8863 l d l $5,821.32 $115.00 Be ow Enter Amount Enc ose Payment Due Date $ July 17, 2008 Please make check payable to Dascover C:nrd or pay online o Discovercard.com. 18 SDSNBA01 0012479 MARK WADAS 111 N PENN ST SHIPPEHSBURG PA 17257-1311 Address, email or telephone chonget 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 fink to our free mobile app and pay your bill in seconds from anywhereI PO BOX 71084 Iiinsiirsrnn1Nin,irnrDili CHARLOTTE NC 28272-1084 11111111111 1111 111 oil 000001986458011580319058213200000000011500 Discover More Card Account Summary Closing,Dafe: June 18, 2008 page 1 of 1 Account number ending in 8863 Previous Balance $5,850.49 Payment Due Date July 17, 2008 Payments And Credits - 125.00 Minimum Payment Due $115.00 Purchases + 0.00 Credit Limit $7,200.00 Cash Advances + 0.00 creditAvaila6le $1,378.00 Balance Transfers + 0.00 Cash Credit limit $3,600.00 Finance Charges + 95.83 Cash Credit Available $1,378.00 New Balance a $5,821.32 Cashback Bonuse Cashbaa BonusS Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Opening Cashbock Bonus Balance New Cashbock Bonus This Period Cashback Bonus Balance $ 2.93 + 0.00 $ 2.93 How Can We Help You? . 1. Visit Discowrawu to pay yew 60 for no cost, viewyo ur latest Account information, cam and redeem rswardsoand more it's your choice " 3 ways to help Please have our Discover Card available. y For TDD (assistance for hearing impaired) we reverse side 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 309,413, Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guaran tee Use your Discover Card with confidence. Trans. Post Date Payments and Credits Jun 10 Jun 10 INTERNET PAYMENT - THANK YOU $ -125.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNdAWCE FINANCE Balance s Rates RATES RATES CQES CHARGE current billing period: 31 days Purchases $265.31 0.04381% 15,99% F 15.99% $3.60 $0 Past Purchases $5005.67 0.05203% 18.99% F 18.99% $80.72 $0 Cash Advances $589.66 0.06299% 22.99% F 22.99% $11.51 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. importeiht Information. M there is more than one page to this biting statement, see the back of each page for additional Important information. Cj See your Cardmember Agreement. Your CardmemherAgreement contains all the terms Of YOUr Account. ce Lost in stolen cards. Report immediately! Call 14M-347-2683. o Billing Rote Summary. In Case of Errors or Questions About Your Bid'. Ityou think your bill is wrong, or if you need more information about a transaction on your bill, write to us on a separate sheet of paper at Discover, PO Soli 30421, Sad Lake City, UT 64130-0421, as soon as possible We must hear from you no Later than 60 days afterwe sent you the W hill on ro which the erroror problem appeared. You can telephone us, but doing so will not preserve yar rights. In your Met, give us the following information: Your name and Account number. The Met amount of the suspected error • Describe the error and explain, if you can, why you believe there is an errs. If you need more information, describe the ilem you are unsure about. You donut have to pay any amount in question while we are invesligekrg, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: M you have a prddem vyb the quality of goods or services that you purchased with a credit card, and you have tried in good faith to coned the problem w th the merchant, you may not have to pelf fine remaining amount due on the goods or services. You have this protection only when the purchase price was more then $50 and the purchase was made in your home state orwisen IM miles of your timing address. (it we own or operate the merchant, or 4 we mailed you the advertisement for the goods or seMCes, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of 69 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 electiont; fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount on the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back trorn your financial institution. The processing of your payment may be delayed d you send cash, correspondence or other items with your payment, if you send the payment to any other address or 4 you use an envelope other than the one provided. Payments received in proper form at our processing facility, by 5PM bowl time or% any day will be credited to your Account as of that day. Payments received at our processing f is ity alter 5PM local tune wig be credited to your Account as of the next day. If you have misplaced your envelope. send you payment to Discover, PO Box 6103, Card Stream. IL 60197.6103_ Please allow 7-10 days for delivery. if your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment ora gresteramamt over the tefepfane, and you can set up automatic payments. Callus at 1-&30347-2683. You wild creed this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S. law. You wig be asked to provide the first 5 digits of you account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to ft authorization to allow us and your bank to deduct each payment you a (horize from your bank account. and to initrafe debit or credit entries to your bank account, as applicable, to correct an error in the pmcessirg of such payment You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment however we must receive notice at treat One business days in advance of the scheduled payment. You may notify us by phone at 1A00347-2683 or by mail at the address listed in the previous paragraph. 7 your payments may vary in amount we will Led you on each momhfy statement when your payment win be made end taw much it will be. Your Automatic payment amount may be less than indicated on ft monthly staternefhlbased on credits or payments applied during the billing cycle, CreR Reportlrig. Wemeyreport lnf enation about your account to ere& bureaus Late payments, missed payments, or other defaults on your account may be reflected in your credit report. !We normally report Ole 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 * following address: Discover, PO Box 15316, Wilmington. DE 19850.5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the dale the transaction is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous bluing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on your arrant bdling statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases fist appearing on the current statement. We ceg In Mine grace period. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances, we sort your transactions ado groups of pundnases, cash advances, and balance rramfersand then kAhm sat the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each tilling period. we compute b s and Periodic Finance Charges for each day of the bidkg period for each transaction category. We use the following equation to com" Paricidle Finance Charges for each transaction category: Average Daly Balance x number of days in the billing periodx Dally Periodic Rate. (You may refer to the finance charge summary on your billing statement for theft a J Then we add up the Periodic Finance Charges for each transaction category to get ft total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero t, because of the grace period, no Periodic Finance Charges apply to are balance in a transaction category. We use the Average Daly Balance (indudng new transactions) method of calculating the balance upon which we impose Periodic Finance Charges, We compute the Average Daly Mena for each sansanoa category by adding up all the daily balances in a bitng period for a transaction category and divWng the total by the number of days in the biting cycle. We comptpv ate daily balance for each transaction category en each day by fist adding the following to the previous days daily balance: transactions made that day, fees dwilled that day and Periodic Finance Charges accri on the previous days daily balance, and by than subtracting any credis and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing period, we consider the-previous day's balance' to have been your balance for each transaction category, an the last day of your previous b ft period. Ha transaction is posted to your Account after the close of the biting period in which it occurs, we will treat the transaction as hav- ing agtxred on the first day of Mre bifang period in which it is posted to your Account. Ad feee charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the appkceble cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the appbcabfe balance transfer transaction category . When a special balance transfer rata expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase bartsapaon category. However, 0 the spacial rate has been terminated hailer the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action fee Finance Charges in the applicable transaction category until the special rate woad have expired. For TOO (Telecommunications Device for the Deal assistance, please call 1.800-347.7449. Discover may monitor andlor record telephone fat between you and Discover representatives for quality assurance purposes. The Discover' card is issued by Discover Bank, Member FDIC. OiTBK170 New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $5,788.98 $114.00 Enter Amount Enclosed Below Payment Due Date $ L r -? August 17, 2008 Please make check payable to Discover Card or pay online 0 Discovercord.com, 18 SDSN6A01 0012480 Text APP to DISCGV• to receive a link to our MARK WADAS free mobile app and pay your bill in seconds 111 N PENN ST from anywhere! SHIPPENSBURG PA 17257-1311 PD BOX 71084 CHARLOTTE NC 28272-1084 Alddress, e-mail or telephone change4 NO charge in space lrr?rllnlnrlrlluxl011 lnelillnxlnlu?ul?ululrrlrlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645801158037,90578898000000000]x1400 Discover More Card Account Summary Closing Date: July 18, 2008 page 1 of I Account number ending in 8863 Previous Balance $5,821.32 Payment Due Date August 17, 2008 Payments And Credits 125.00 !Minimum Payment Due $114.00 Purchases + 0.00 Credit Limit $7,200.00 Cash Advances + 0.00 Credit Available $1,411.00 Balance Transfers + 0.00 Cash Credit Limit $3,600.00 Finance Charms + 92.66 Cash Credit Available $1,411.00 New Baksnce $5,788.98 Cashback Bonuse Opening Cashback Bonus Balance $ 2.93 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 2.93 Cashback Bonus* Anniversary Month: January Keep building your rewards with every urchase. Start redeeming once you reach 20 Cashback Bonus(R). How Can We Het YOUR I . Visit Discover com to pay your bill for no cost view r p latest Account information, earn and redeem rewards and more O's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Payments and Credits Jul 16 Jul 16 INTERNET PAYMENT -THANK YOU $ -125.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Baldric Rates RATES RATES C+L#KGFS QIAR >ESC ., current billing period: 30 days Purchases $268.88 0.04381% 15.99% F 1599% $3.53 $0 Past Purchases $4983.59 0.05203% 18.99% F 18,99% $77.77 $0 Cash Advances $601.09 0.06299% 22.99% F 22.99% $11.36 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted obove. Irdportant information. If there is more than one page to this billing statement, seethe back of each page for additional important intomhahon. p See your Cardmember Agreement YOM CardmemlerAgreenenl contains all the terms of your Account. co z Lost or stolen cards. Report innedieletyf Call 1-8M-347-2683. o Boling Rights Summary h Case of Errors or Questions About Your Bill: If you think your btu is wrong, or 9 you treed more information about a transaction on your bit, write to us on a o0 separate sheet of paper at Discover, PO Box 30421, Soh Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on 4iich the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: N Your name and Account number. I he dollar amount of the suspected error V Describe the error and explain, i you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are sill obligated to pay the pads of your big hat are no in question. While we investigate your question, we cannot report you as delinquent or take any action to coned the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods of services that you purchased with a credit card. and you have tied in good faith to correct the probfem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this Fimfecton only when the purchase pxioe was mare than $50' avid the purchase was made in your home state or within 100 miles of )four mailing address, (8 we on or operate the merchant, or if we mailed you the advertisement for the goods or services, at purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top patron of this statement in the envelope provided- Do rot send cash. By sending your cheer 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 you check or to process the payment as a check transaction. If payment is processed as an electronic turd transfer, the transfer will be for the amount on the check. When we use information from your check to make an electronic fund transfer, fyhds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back tom your financial institution. The processing of your payment may be delayed if you sad cash, correspondence or other items with your payment, it you send the payment to any other address or if you use an eavefope other than the one provided Payments received in proper form at our processing facility by 5PM focal time on any day wid be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of Ma next day. If you have misplaced your envelope, send you payma d to Discover. PO Box 6103, Carol Stream, IL 60197-6101 Please allow 7-10 days for delivery. 0 your payment is returned unpaid, we reserve the right to resubmit it as an elecbanc debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-1100347.2683. You will need this statement and your bank axount information. You must ensure that sufficient funds are available in your bank acctwm, and all tar isarLorts must comply wih U.S. Jew. You will be asked to provide Me first 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow, us and your bank to deduct each payment you authorize from your bank account, and to innate debit or cued I entries to your bands account as applicable, to correct an error in the processing of such payment You must fall us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a paymem, however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at I M347-2683 or by mail at the address listed in the previous pragraph. If your payments may vary in amount, we will tell you on each monthly statement when your payment will be made and how much i wit be. Your Automatic payment amount may be less ban indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on you account rimy be reflected in your credit mpod. We normally repon the status and payment hvstory of your Account to credit reporting agendas 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 include your name, address, home telephone number and Account number PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to you Account until he date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by Me Payment Due Dale on your current billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing oh the current statement. We call his the grace period. CYlherwise, you 40 receive a billing statement next month Mar includes Periodic Finance Charges on those new purcheses. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and befance transfers and then further sat the transactions within each group by their Annual Percentage Rate. For example, purchases au OO to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing peed, we compute balances and Periodic Finance Charges for each day of the being period for each transaction category We use the following equation to compute Periodic Finance Changes for each ttansaceon category. Average Daily Balance x number of days in the b0 mg period x Dairy Periodic Rate. (You may refer to the finance cfrerge summary on your Ming statement for these amounts.) Then we add lap be Periodic France Charges or each transaction category to get be total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periods Finance Charges apply to the balance n a transaction category. We use the Average Daly 8a:ance (including new transactions) method of ca•.atLting the balance upon which we impose Periodic France Charges We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a Wig period for a uansacton category and dividing the (oral by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by first adding the fo0owing to the previous dab's daily balance. transactions made that day, fees charged that day ce of the transaction i st the b dit t li d l d b h i d th t i b l an ng any cre s an paymen s are app e aga n a y t en subtract a ly a ance; an and Periodic France Charges accrued on the previous daps da category on that day. In calculating the daily balance for the first day of One biting period, we consider the -previous day's balance to have been your balance for each transaction category on the last day of your previous bailing period. if a transaction is posted to yourAmwnt after the close of Ore bating pew in whim it occurs, we will treat the transaction as hav- ajg occurred on the first day of the billing period in which it is posted to your Account. ell fees charged to your Account are added to die standard purchase transaction category with he exception of Cash Advance Transaction Fee France Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Firiances Charges which are added to the applicable balance transfer transaction cat".. When e special balance transfer rate expires, we nave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges to the standard purchase transaction category However, t the special rate has been termi ated wider the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. Per TOD (Telecommunications Device for the Deal) assistance, please call 1-M-347.7449. Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Bank, Member FDIC. OlTBK170 New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $5,75940 5114.00 Enter Amount Enclosed Below Payment Due Date $ _ September 17, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. 18 SDSN6A01 0012481 Text APP to DISCOV to receive a link to our MARK WADAS free mobile app and pay your bill in seconds 111 N PENN ST from eny* terel SHIPPENSBUR6 PA 17257-1311 PO BOX 71084 ( ((,u?(uurr(l(u(uu((( CHARLOTTE NC 28272-1084 Address, e-mail or telephone changef Print change in space (nn(a((rr(irr(r((nri(ri(n(rir(((( nrn(sr(rr(rr((ia(rr(rr(n?nn?( above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319057594 000000000011400 Discover More Card Account Summary Closing Date: August 18, 2008 page 1 of ] Account number ending in 8863 Previous Balance $5,788.98 Payment Due Date September 17, 2008 Payments And Credits - 125.00 Minimum Payment Due $114.00 Purchases + 0.00 Credit Limes $7,200.00 Cash Advances + 0.00 Credit Available $1,AA0.00 Balance Transfers + 0.00 Cash Credit Limit $3,600.00 Finance Charges + 95.42 Cash Credit Availoble $1,440.00 New Balance - $5,759.40 Cashback Bonuse Cashback Bonuse Anniversary Month: January Keep building your rewards with every purchose. Start redeeming once you reach $20 Cashback Bonus(RI. Opening Coshback Bonus Balance $ 2.93 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 2.93 1. Visit Discover.com to pay your bill for no cost, view your How Can We Help You? latest Account information, *am and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (3A7-2683) for fast, easy self-service Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guormntes Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 18 Aug 1 8 INTERNET PAYMENT - THANK YOU $ -125.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic F14N4CE Fee F A Daily Periodic IN Balances Rates RATES RATES CNAttGES S 11AR current billing period: 31 days Purchases $272.49 0.04381% 15.99% F 15.99% $3.71 $0 Past Purchases $4945.78 0.05203% 18.99% F 18.99•A $79.75 $0 Cash Advances $612.75 0.06299% 22.99% F 22.99% $11.96 $0 The rates that apply to your Account ore either fixed (F) or they may vary M as noted above Important Information. It there is more than one page to this billing statement, see the back of each page for additional important information. o See your Cardmember Agreement. Your CardmemberAgreement contains all the terms of you Account. z Lost or stolen cards. Report immediately! Call 14M-347-2683. o Billing Rights Summary. In Case of Errors a Questions About Your Big: It you think your bill is wrap, or 0 you need more information about a transaction on your bull, write to us on a 00 separate sheet of paper at Discover, PO Box 3042f, Sall Lake City, UT 84130 1421, as soon as possible. We must hear kurh you no low tna<u 60 days after we sent yoe the first bill on which the tuna or problem aged. You can telephone us, but doing so will not preserve your rights. to your letter, give us the following informabon: m Your name and Accourit number. The dollar amount of the suspected errs Describe She error and explain, if you can, why you believe there is an error. If you need more iMormation, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are sill obligated to pay the pads of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: N you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was mare than $50 and the purchase was made in your home state or within 100 miss of your mailing address. (If we am or operate the merchant, or t we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send ordy your payment and the fop portion of this statement in the envelope provided. Do not send rash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer all be for the amount on the check. When we use information from your check to make an electronic fund transfer, funds may bewithdrawn 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 or your payment may be delayed it you send cash, correspondence or other items with your payment, if you send the payment to any other address or N you use an envelope other than the one provided. Payments received in proper form M our processing facility by 5PM local time on any day will be credited to your Accent as of that day. Payments received at our processing facility at* 5PM local time wig be cvediled to yxrAcccunl as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103. Card Stream, IL 601914103. Please at!av 7-10 days for delivery. II your payment is returned unpaid. we reserve: the right to resubmit t as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-890-347.2683. You will need this statement and your bank account information. You must ensure that sufficient funds are ava4ebte in your bank account, end all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering these numbers as your electronic signature, you wdl be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, o correct an error in the processing of such payment. You must tell us rite amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least three business days 'n advance of the scheduled payment. You may notify us by phone at 1$00347-2683 or by mail at the address listed in the previous paragraph. If your payments may vary in amount, we will tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than indicated on the rnorthly statement based on credits or payments applied during the billing cycle. Cre dill Reporting. We may report information about your amount to credit bureaus. Late payments, missed payments, or other defaults on you 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 include your name, address, home telephone number andAccount number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the dale the transaction is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance an your previous biting statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Oue Date on your current bilging s(ataotent, we will mat impose Periodic Finance Charges on new purchases, ihat is, purchases fast appeaving on the anent statement. We cal this the grace period. Otherwise. you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sat your Iransactors into groups of purchases, cash advances, and balance transfers and then further sort the transactions within eadi group by their Annuaf Percentage Rate. For example purchases subject to a promotional rate and purchases subject to a standard rata would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we ax" balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category. Average Daily Balance x number of days in toe billing period x Daily Perk Rate. (You may refer to It* finance charge summary on your biting statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges appty to the balance in a transaction category. We use the Average Daly Balance (including new transactions) method of c«culat:x: the balance urr,on which wa impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a biting perod for a transaction category and dividing the total by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by fast adding the following to the previous day's daily ice: transactions made that day, fees charged that day and Periodic Finance Charges ocaved on the previous days daily balance; andby then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating to daily balance for the first day of the billing period. we consider the "previous day's balance' to have been your balance for each transaction category on the last day of you previous biting period. If a transaction is posted to your Account after the close of the Ming period in which it occurs, we will treat the transaction as hav- ing occurred on the hist day of the billing period in which 0 is posted to your Account. At fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category, and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges to the standard purchase transaction category. However, N the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the, special fate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449. Discover may monitor ardlor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover* card is issued by Discover Bank, Member FDIC. OITBK170 DISCOVER New Balance Minimum Payment Due Account Number ending in 8863 $5,831.42 $115.00 Enter Amount Enclosed Below Payment Due Date $ October 17, 2008 Please make check payable to Discover Card or pay online 0 Discovercord.com. 18 8DSN6A01 0012462 TeAAPP to DISCOV' to receive a link to our MARK NADAS free mobile app and pay your bill in seconds 111 N PENN ST from anywhere) SHIPPENSBURG PA 17257-1311 PO BOX 71084 IlIrrsl6srsssIIilnLus CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change In space above, or go to Ducover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319058314200000000011500 Discover More Card Account Summary Closing Daft: September 18, 2008 page 1 of 1 Account number ending in 8863 Previous Balance $5,759.40 Payment Due Date October 17, 2008 Payments And Credits - 115.00 Minimum Payment Due $115.00 Purchases + 91.90 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $2,768.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges + 95.12 Cash Credit Available $2,768.00 New Balance = $5,831.42 Cashback Bonuse Opening Cashback Bonus Balance $ 2.93 New Cashback Bonus This Period + 0.22 Cashback Bonus Balance $ 3.15 Cashback Bonus® Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). 7 How Can We Help You. ? . Visit Disowm cam to pay your b8 for sw cost, viewyo ur latest Account information, earn and redeem rowards and more it's your choice - 3 ways to help 2. Call 1-g00-DISCOVER (347-2683) for fast, easy selEservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Payments and Credits Sep 17 Sep 17 INTERNET PAYMENT - THANK YOU $ -115.00 Government Services Sep 12 Sep 12 USPS 4134870257 SHIPPENSBURG PA 54.73 Sep 17 Sep 17 USPS 4 1 34 8 7025 7 SHIPPENSBURG PA 37.17 Finance Charge Summary Balance Transfer offer for current billing period: Doily Periodic Rate: 0.01367%; corresponding ANNUAL PERCENTAGE RATE: 4.99%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bownce Rates RATES RATES CHARGES CHARM current billing period: 31 days Purchases $290.99 0.04381% 15.99% F 15.99% $3.95 $0 Post Purchases $4896.78 0.05203% 18.99% F 18.99% $78.97 $0 Cash Advances $624.82 0.06299% 22.99% F 22.99% $12.20 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. It there is more than one page to this billing statement, see the back of each page for additional important information. See your CardmemberAgreement Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call t-800-347-2683 Billing Rights Summary. In Case of Errors or Questions About Your &l: If you thank your bill is wrong, or R you need more information about a transaction on your bill, write to us on a separate sheet of paper at Discover, PO Sox 30421, Saft Lake City, UT 8413MQ1, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In gout letter, give us be fallowing information: Your name and Account number. The dcffar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the der you are unsure about. You do not have to pay any amount in question while we are irnesligaWV, but you are sill obligated to pay the parts of your big OW are not in question. Wlhge we investigate your question, we cannot report you as delaWUent or take any action to collect the mount you question. Special Rule for Credit Card Purchases: It you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more tan $50 and the purchase was made in your home state or within 100 miles of you mailing address, (If we on or operate the merchant, or t we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only you payment and the top patron of this statement in the envelope provided. Do not send cash. By sending your check as described shove, you authorize us to use information on you check to make an electronic lend transfer from your account at the financial institution indicated on you check or to process the payment as a check transadnn. It payment is processed as an electronic fund transfer, the irensfer will be for the amount on the check. When we use information from your check to make an electronic fund transfer farhds may be withdrawn from your account as soon as the same day we receive your payment, and you v0 not receive you check back Gone your financial instituian- The processing of your payment may be delayed if you send cash, egrrespondenoe or other items with you payment, l you send the payment to any other address or if you use an envelope other then the one provided. Payments received in proper form at our processing facgtty, by 5PM local time on any day will Le credited to you Account as of that day. Payments received at our processing facility after 5PM local lima will be credited to your Account as of tie next day. If you have misplaced your envelope, send you payment to Discover, PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay you rrini mrn payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-341.2683. You viol need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide lhe first 5 digits of your account Statement zip code. By entering Rose numbers 8s your electronic signature, you will be agreeing to this author zakon to allow us and your bards to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to you bank account, as applicable, to correct an error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least three business days in advance of The scheduled payment. You may rordy us by phone at 1800-347.2683 or by mail at the address listed in the previous paragraph. 9 your Payments may vary in amort, we will leg you on each monthly statement when your payment will be made and how much it will be. YourAulomatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the biting cycle. Credit Reporting. We may report information about you account to credit bureaus. Late Payments, missed payments, or other defatlls on you account may be reflected in you credit report. We normally report the status and payment history of you Account to credit reporting agencies each month, If you believe that our report is inaccurate or incomplete, please write us at Me following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include you name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaoion is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on your current billing statement, we will not impose Periodic Finance Charges on new purchases, Mat is, purchases first appearing on the cumenl statement. We call this the grace period Otherwise, you will reoeive a 1:41 ing Statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period an balance transfers or rash advances. We sat your transactions into groups of purchases, cash advances, and balance transfers and then further sod the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Firneir" Chages for each day of the billing period for each transaction category We use the following squetion to compute Periodic Finance Charges for each hansaction category. Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (You may refer to the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges or yea Aceolnt. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daly Balance (includag new transactions) method of calculating the balance upon vhhich we impose Penodc Finance Charges. We compute the Average Deily Balance for each transaction category by adding up all the daily balances in a biting period for a transaction category and dividing the oral by the render of days in the billing cycle. M compute the daily batence for each transaction category on each day by first adding the blowing to the previous day's daily balance: transactions made that day, fees charged list day and Periodic Finance Charges accrued on the previous day's daily balance; and by then aubtr" any credits and payments that are applied against the balance of the transaction category an that day. In calculating the dally balance for the first day of the billing period, we consider the 'previous days balance' to have been you balance for each transaction category on the lest day of your previous billing period- 9 a transec8m is posted to your Aceount after the close of Me lolling period in which it occurs, we will treat the transaction as hav- ing occurred on the tat day of ft bRng period in which it is posted to yourA.ceouht AN fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which ace added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However. if the special rate has been lerm riated under the Default Rate Plan, we leave the unpaid balance of the balance trarnsler and the Balance Transfer Trans- action Fee Finance Charges in ft applicable lraneaotrOnn category unit the special rate would have expired. For TDD (Telecommunications Device for the Deal) assistance, please call 1-000-347.7449. Discover may monitor andfor record telephone calls between you and Discover representatives for quality assurance purposes, The Discover' card is issued by Discover Bank, Member FDIC. 01TBK170' New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $8,128.95 $161.00 Enter Amount Enclosed Below Payment No Date $ [1 November 17, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. 18 S08NBA01 0012483 MARK WADAS 111 N PENN ST SHIPPEHSBURG PA 17257-1311 Text APP to DISCOW to receive a link to our free mobile app and pay your bill in seconds from anywhereI PO BOX 71084 ??Irul6nnr?I?rr?nu?Il CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (rrlr11pill I IIlrrr1uills rfillrrriu6ritIIlrrlrrlulrlulf above, or go to Discover.com. Print yours-moil address to receive important Account information and special offers. 000001986458011580319081289500000000016100 Discover More Card Account Summary Closing Date: October 18, 2008 page 1 of 2 Account number ending in 8863 Previous Balance $5,831.42 Payment Due Date November 17, 2008 Payments And Credits 125.00 Minimum Payment Due $161.00 Purchases + 58.81 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $471.00 Balance Transfers + 2,200.00 Cash Credit Limit $4,300.00 Finance Charges + 163.72 Cash Credit Available $471.00 New Balance _ $8,128.95 Cashback Bonuse Opening Cashback Bonus Balance $ 3.15 New Cashback Bonus This Period + 0.14 Cashback Bonus Balance $ 3.29 Cashback Bonus® Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback BonU3(R). How Can We Help You? p I . visit Discover com to pay your bll for no cost view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Can 1-8OaDISCOVER (347-2683) for fast easyselfservice Please have your Discover Cord available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dote Payments and Credits Oct 9 Oct 9 INTERNET PAYMENT - THANK YOU $ -125.00 Gasoline Sep 23 Sep 23 SHEETZ 00000703498 SHIPPENSBURG PA 21.16 Sep 23 Sep 23 EXXONMOBII SHIPPENSBURG PA 15.21 Balance Transfers Sep 29. . Sep 29 BALANCE TRANSFER CHECK 0324 1,200.00 APR 4.99% EXPIRES 02/2010 Sep 29 Sep 29 BAL TRANS TRANSACTION FEE FINANCE CHARGE 36.00 Oct 9 Oct 9 BALANCE TRANSFER CHECK 0325 1,000.00 APR 4.99% EXPIRES 02/2010 Oct 9 Oct 9 SAL TRANS TRANSACTION FEE FINANCE CHARGE 30.00 Governmem Smvices Sep 18 Sep 19 LISPS 41 34 8 70257 SV41PPENSBURG PA 22.44 Important Information. If there is more than one page b this lAOing statement, seethe back of each page for additional important information. o See your Cardmember Agreement. Your CardmemberAgreement contains at the terms of your Account, a z Lost or stolen cards. Report immediately! Cat 14SOD.347.2683. m o Rifling Rights Summary. In Case ef Emors or Questions About Your Bit: 0 you think your bill is wrong, or 9 you need more information about a transaction an your bill, write to us on a o separate sheet of paper at Discover, PO Box X421, Sat Lake City, UT 84130-0421, as soon as passible. We must hear from you no later than 60 days after we sent you the first bit on 0 S which the error or problem appeared You can telephone us, lout doing so will not preserve your rights. In your letter, gice us to following kdorma0on: A Your ire and Account number. w The dollar enotmd of the suspected error Describe the error and explain, if you can, why you believe there is an error. If you rued more hormation, describe the item you are unsure about You do not have to pay any amount in question while we are iwesfgaling, but you are still obb9aled b pay the parts of your bib that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Speclat Rule for Credo Card Purchases: If you have aproblem w0h the quality of goods or services that you purchased with a credit card, and you have tried in good loth to cared the problem with the merchant, you may tat have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home stale or wither 100 miles of your mating address. (d we own or operate the merchant, or d we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top purl of this statement in the envelope provided. Do not send cash. By sending your check as dese bed above, you aufhndze us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check tiansactio n. It payment is processed as an electronic fund transfer, the Irar sfer will be for the amount on the check. When kve use information from your check to make an electronic fund transie; , funds may be withdrawn from your account as soon as the same day we receive your payment, and you will rot receive your check back from your financial institution. The processing of your payment may be delayed t you send cash, correspondence or other items with your payment, if you send (he payment to any other address or it you use an envelope other then the one provOed. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing fau7iaflar 5PM local ime will be cradled to yourAccount es of the next day. If you have misplaced your envelope, send your payment to Discover. PO Box 6103, Card Steam, IL 60197-6Z0 3. Please allow 7-10 days for delivery. O your payment is returned unpaid we reserve the right to resnibrrit it as an electronic debL , You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cat us at 1800-347-2683. You will need this statement and your bank account information. You roust ensure that sufficient funds are avelabte in your bank account, and at transactions must comply with U. S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to fhis authorization to allow us and your bank to dedkrdeach payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as appl+cab!e, to correct an error in the processing of such payment You must tell us re amount of each payment, or you can sefed an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least three business days m advance of the scheduled payment. You may ratify us by phone at 140347-2683 or by mail at the address listed in the previous paragraph. If your payments may vary in amount, we wwTl tall you on each man* staurment when your payment will be made and how much it wit be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the being cycle. Credit Reporting. We may report information about your account to credit bureaus. Late psymerds, missed payments, or other defaults on your account may be reflected in your credit report We normally report Uu status and payment history of your Account to credit reporting agencies each month, If you believe that air report is inaccurate or ircanptete, please write us of the following address: 0iscover, PO Box 15316. Wilmington, DE 19850-5316. Please mdude your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on atl transactions from the date The transaction is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous biting statement by the Payment Due Dare shown on that statement, and you pary Via New Balance by the Payment Due Date on your current billing statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first appealing on the current statement. We call this to grace period Otherwise, you win receive a billing statement next month that includes Periodic Finance Charges on Mite new purchases. There is no grace period on Maine transfers or cash advances. We sort your transactions into groups of purchases, rash advances, and balance transfers and then fuller sort the vansediau within each group by the r Annual Percentage Rate. For example, pwdhases subied to a priomobanal rate and purchases subied b a standard rate would be separate groups. We reler to these groups as transaction catego es. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of tie billing period for each transaction eadegory. We use the foil" equation to compute Periodic Frrarhos Charges for each kansacton caicgory. Average 11*8slarwe x ramhber of days in to bdahg period xDaily Periodic Rate. (You may refer to the Mottos charge summary an your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as taro 4, because of the grace period, no Penafic Finance Charges apply to the balance in a transaction category, l^,'e use the Average Daily Balance (including new hansactroiu) method of calculating the ba.+ance upon which we irnpose Paxdre Fiorice Churoes. We cerpule. The Average Daily Balance for each transaction category by adding up all the daily balances in a billing period or a transaction category and drvxting the Iola; by the number of days in the tilling cyce. We compute the daily balance for each transaction category on each day by fast adding the following to the previous day's daily balance: transactions made that day, fees charged that day and Periodic Finance Charges accrued on the previous dayrs daily Marriott; and by Oran subt acing any credits and payments that are applied agave the balance of the transaction category on tat day. In ealadatkg the daily balance or the first day of the bitng period we consider th s previow day's balance' o have been your balance for each transaction category on the last day of your previous biting period. If a transaction is posted to your Account afar the close of the billing period in which it occurs, we will treat the transaction as hav- ing occurred on the first day of to lidN period at which it is posted to your Account. Ali fees charged to your Account are added to the standard purchase transaction category with die exception of Cash Advance Transaction Fee Fnnerrse Charges wfnefh areadded o ore appkegble cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which ale added to the applicable balance transfer transaction category. When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to to standard purchase trarrsadion category However, 9 the special rate has been terminated under the Default Rate Phan, we heave the unpaid balance of the balance transfer and the Balance Transfer Trans- adion'Fee Finance Charges in the applicable trarhsaction category until the special rate would have expired. For TOD (Telecommunications Device for the Dead) assfatance, please call 1-800.347-7449. Discover may monitorandlor record t coons cake between you and Discover representatives far quality assurance purposes. The Discove' card is issued by Discover Bank, Member FDIC. 01TBK170 DISCOVER If pap to all MARK WADAs Account number ending in 8863 Announcing Pending Transactions! You asked, we listened. Cordmembers con now view pending transactions online! Check your purchases in realtime io May connected to your account like never before either online or using your mobile device. Log in fo your account of Discover.com from your laptop or your mobile device and see for yourself? 02012 Dismrer Bank, Member FDIC Closing Date: October 18, 2008 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Rates RATES RATES CMA$GES CHARGES current billing period: 30 days Purchases $426.91 0.04381% 15.99% V 15.99% $5.60 $0 Past Purchases $4824.84 0.05203% 18.99% V 18.995'. $75.30 $0 Cash Advances $63694 0.06299% 22.99% F 22.995'. $12.04 $0 Balance Transfers $1168.60 0.01367% 499% F 38.60% $4J8 $66.00 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due 58,517,16 $16940 Payment Due Date December 17, 2008 Account Number ending in 8863 Enter Amount Enclosed Below -'? $ I Please make check payable to Discover Card or pay online 0 Discovercard.com. 18 SDSNBAOi 0012484 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Address, e-mail or telephone change? Print charge in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offrs. 000001986458011580319085171600000000016900 Discover More Card Account Summary Closing Date: November 18, 2008 page i of 2 Account number ending in 8863 Previous Balance $8,128.95 Payment Due Date December 17, 2008 Payments And Credits 185.00 Minimum Payment Due $169.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $82.00 Balance Transfers + A50.00 Cash Credit Limit $4,300.00 Finance Charges + 123.21 Cash Credit Available $82.00 New Balance _ $8,517.16 Cashback Bonuse Cashback BonusO Anniversary Month: January Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 Ills„Ilss,,,,lllrsl,,,,li) CHARLOTTE NC 28272-1084 (,rl,Il,?lurlrllu,lrrlrlurllllr„I„Ir,lrrllrrlirl,rl,Irrll Opening Cashback Bonus Balance $ 3.29 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 3.29 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? 1 • Visit Discawercom to par raw 16A For no cast, view r (? latest Account inlormation, eam and redeem rewards and more It's your choice - 3 ways to help 2. Cog 1-800-DISCOVER (347.2683) for fast, easy s4service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8A130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Data Data Payments and Credits Nov 12 Nov 12 INTERNET PAYMENT • THANK YOU $ -)85.00 Balance Transfers Oct 2A Oct 24 BALANCE TRANSFER CHECK 0326 350.00 APR 4.99% EXPIRES 02/2010 Oct 24 Oct 24 BAL TRANS TRANSACTION FEE FINANCE CHARGE 10.50 Nov 8 Nov 8 CITIBANK XXKXXXXX XXX5952BT NV 100.00 APR 4.99% EXPIRES 02/2010 Nov 8 Nov 8 BAL TRANS TRANSACTION FEE FINANCE CHARGE 10.00 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.99%. Important Information. if there is more ow one page to this biting statement, seethe back of each page for additional imporarflinformation. See your Cardmember Agreement Your CardmemberAgreement contains at the terms of your Account. Lost or stolen cards. Report immediately. Call 1-800-347.2683. Billing Rights Summary. In Case of Errors or Questions About Your Bat 11you think.your bill is wrong, or A you need more information abou(a transaction on your bilk, write to us on a separate sheet of paper at Discover, PO Box 30421, Sall Lake City, UT &1130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bit on which the error or problem appeared. You can telephone us, but doing so wip not preserve your rights. In your War. give us the following information: Your rrame and Account nufmber. The dollar amount of the suspected ens Describe the error and explain, if you can, why you be!'reve there is an error. If you need more inform ton, describe the item you are unsure about You do not have to payany amount in question while the are investigating, but you are slit obligated to pay the parts of yourbi that are not in question. While We investigate your question, we cannot report you as delinquent or take any action to called the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the pratdern with life merchant, you may not have to pay the remaining amount due on the goods or servrces. You have this protection snit, when to purchase price was more than $50 and the purchase was made in your bane state or within 100 miles of your mailing address. (t we own or operate the merchant, or H we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement E7 the envelope provided. Do not send cash. Bywuling your check as described above, you authorize us to use information on your check to make an electronic fund transfer from youraccarM 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 (ranter wit be for the amount on the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you coal not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 6PM local lime on any day will be credited to your Account as of that day. Payments received at our processing today after 5PM local time will be cradled to your Account as of the next day. If you have rtsplaced your envelope, send your payment to Discover, PO Bar 6103. Carol Stream. IL 60191-6103. Please allow 7-10 days for detvery. H your payment is returned unpaid, we reserve the fight to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cell us at 1-800.347-2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank aocant, and all transactions must comply with U.S. law. You coil be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit of credit entries to your bank account, as applicable, b correct an error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due of the New Balance on each statement You can ca ncel a payment, however we must receive notice at teas( tree business days in advance of the schedrded payment. You may notify us by phase at 1.800347-2683 or by mail at the address (aced in ire previous paragraph. H your payments may vary in amount, we will tell you on each monthly statement when you( payment Oft be made and how much it will be. Your Automatic Payment amount mtay be less than indicated on tie monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report Wormeriar about your account to aedi bureaus. Late psymads, mussed payments, orother defauts on your account maybe reflected an your credit report. We normally repot the status and payment history of your Account to credit reporting agencies each month. It you believe that our report is inaccurate or roanplete, please write us at the following address: Discover. PO Box 15316, Wilmington. DE 19651}5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on aft (ransadions from the date the transaction is posted to yourAorourl until the date you pay your encore New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous biting statement by the Payment Due Dale shown an that statement, and you pay the New Balance by the Payment Due Date on your current bluing statement, we will not repose Periodic Finance Charges on new purchases, that is, purchases first appearing 1 on the current statement We cat has hha grace period. Olftarwnise, you ON receive a billing statement next month that includes Periodic Finance Charges on ttase new purchases. There is no grace period on balance Iransfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then bather sal the transactions within each group by their Annual Percentage Rate. For example, purchases subject» a pmrrrdiael rate and purchases subject to a standard rate would be separate groups. We refer to these groups as Itsreaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use to following equation to compute Periodic Finance Charges for each transaction category: Average Daily Balance x number of days in the tilling period x Doty Perodc Rate. (You may refer to the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get tha total P riodic Fiance Charges to your Account. The Average Daily Balance is shown as zero if, because of ft grace period, no Pergcfic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (ihckudag new transactions) method of ratculating de balance upon which we impose Periodic Finance Charges. We compute, the Average Deily Balance to each transaction category by adding up at the daily balances in a baling period for a transaction category and dividing the total by the nmrber of days in the biking cycle. We compute the dally balance for each transaction category an each day byfirst adding the following to the previous day's daily balance: transactions made that day, fees charged drat day and Periodic Finance Charges accrued on the previos days daily balance: and by then subtracting any credits and payments that are applied against the balance of the transaction category an that day. In caladating ire daily balance forme first day of the bung period, we consider the "previous days balance" to have been your balance for each transaction category on the last day of your previous biting period. if a transaction is posted to your Aooount after the close of the bang yenod in which it occurs, we with treat the transaction as hav- ing occurred on the first day of the biting period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with to exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance tr8n axon categoy and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category . When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However. H the special rate has been laminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the specal rate would have expired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Discover may monitor ardfor record telephone cats baNveen you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Hank, Member FDIC. O1TBK170 DISCOVER It pays 10 MARK WADAS DISSMER Account number ending in 8863 Announcing Pending Transactions! lti._... ?,1.. You asked, we listened. Cardmembers can now VieW pending 1 transactions online! Check your purchases in realtime to stay connected to your account - like never before either online or using your mobile device. Log in to your account at Discovercom from your loptop or i your mobile device and see for yourselfl T =12 Di. .w Bark Member FDIC Closing Date: November 18, 2008 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Baldric Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $437.35 0.04107% 14.99% V 14.99% $5.57 $0 Past Purchases $4815.82 0.04929% 17.99% V 17.99% $73.57 $0 Cash Advances $649.29 0.06299% 22.99% F 22.99% $12.68 $0 Balance Transfers $2575.55 0.01367% 4.99% F 14.62% $10.89 $20.50 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. QUeStiOnS? Manage your account at Discover corn or call 1-800-DESCOVER )1-800-347-2683). D N Z 0 0 a a a New Balance Minimum Payment Due DISCOVER $8,117.67 s1b1.00 Payment Due Date January 17, 2009 IS sDSN6A010012485 NARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 8863 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card or pay online 0 Discovercard.com. Text APP to DISCOV` to receive a link to our free mobile app and pay your big in seconds from anywhere) PO BOX 71084 111 11111111111 1111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to ?nlr?lrr?nrI rlII rIt lrlnrllllurlet 1nlnllululnlJuif receive important Account information and special offers, 000001986458011580319081176700DDDODOD16100 Discover More Card Account Summary Closing Date: December 18, 2008 page 1 of 1 Account number ending in 8863 Previous Balance $8,517.16 Payment Due Date January 17, 2009 Payments And Credits 500.00 Minimum Payment Due $161.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $482.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges + 100.51 Cash Credit Available $482.00 New Balance = $8,117.67 Cashback Bonuse Opening Cashback Bonus Balance $ 3.29 New Coshbock Bonus This Period + 0.00 Cashbock Bonus® Anniversary Month: January Cashbock Bonus Balance $ 3.29 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbock Bonus(Rl. How Can We Help YOU 1. Visit Discovercorn to pay your bill for no cos14=1=d {? latest Account information, eam and redeem more It's your choice - 3 ways to help 2. Call 1-800DWOVER (347.2683) for fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Dec 15 Dec 15 INTERNET PAYMENT - THANK YOU $ -500-00 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.99%. Finance Charge Summary Nominal Average Dally ANNUAL ANNUAL Transaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Balances Rates RATES RATES RGES RGEGE current billing period: 30 days Purchases $442.87 0.04107% 14.99% V 1A.99% $5.46 $0 Past Purchases $4888.72 0.04929% 17.99% V 17.99% $72.28 $0 Cash Advances $661.88 0.06299% 22.99% F 22.99% $12.51 $0 Balance Transfers $2505.56 0.01367% 4.99% F 4.99% $10.26 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. If there's more than one page to this biding statement, see fie bads of each page for additional nhporlant information. W See your Cardmember Agreement Your CordmentberAgreement contains all the terms of your Account. co Z Lost or stolen cards. Report immedmtely! Cad 1-808.347-2683. o Belling Rights Summary. In Case of Errors or Questions About You Bill. If you think your bill is wrong, or id you need more information about a transaction an your big, write to us on a o0 separate sheet of paper at Discover, PO Box 30421, Soh Lake City, UT 84130-0421, as soon as possible. We must hear from you no later tlum 60 days after we sent you the fast bill on which the error or problem appeared. You can Wxpbone as, lwt doing so will not preserve your rights. In your letter, give us the following information. 00 • Your name and Account number. n The dollar amount of the suspected errs J • Describe the error and explain, it you can, why you believe there's an error. If you need more information, describe the lem you are unsure about, You do not have to pay any amount in question while we are investigating. but you are still obligated to pay the parts of your bid that are not in question. Write we investigate your question, we cannot report you as delinquent or take any action to called the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality, of goods or services that you purchased with a credit Gard, and you have tied in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 1W miles of your mailing address. (If we own or operate to merchant, or it we mailed you the advertisement or the goods or services, ad purchases are covered regardless of the amount or location of purchase.) Payments. Sent 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 mare an electronic bid transfer from your acooum 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 on fie check. When we use information from your check to make an electronic hod 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 beck from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one.lrovided. Payments received in proper form at our processing reality by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility alter 5PM beat lime will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debt. You can pay your minimum payment or a greater arrhount over the telephoto, and you can set up automatic payments. Ca! us at 1-600.347-2683. You will need this statement and your bank account information. You must ensure that sufkdem funds are available in your bank account, and all transactions must comply w th U.S. law. You well be asked to provide the fist 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you 4 be agreeing to this authorization to arrow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or cretin entries to your hank account, as applicable, to correct an am in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1-800-347.2683 or by mail at the address listed in the previous paratyaph. If your payments may vary in amount, we will leg you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit 'Repori tg. We may report information about your aoGDW to cre& bureaus. Late payments, trussed payments, or other defaults on your account may be reflected in your credit reporL We normally report to status and payment history of yew Account to credit reporting agencies each month. If you believe that our report is in accurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, horse telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on yawrgrevious biting 6tatemem by the Payment Due Dale strewn on that statement, and you pay the New Balance by the Payment Due Dale on your current bang stalemerit, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing' on the current statemer. We cad this the grace period. Otherwise, you will receive a biding statemerd next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Ras. For example, purchases subject to a promotional rate and purchases stbjw to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the bung period for each transaction category. We use the following equation to compute Periodic Firer" Charges for each transaction category: Average Daily Balance x number of days in tie lxlk'ng period x Body Periodic Rate. (You may refer (a the finance charge summary on your Wing statement for these ammnts.) Then we add hp the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Avaiage Daily Balance (including new kansac ions) met tad of catcutaung the balance ut w hich we arose Pericd c Finance Charges. We comwe Via Ave;ape Dail; Balance for each transaction category by adding up all the daily balances in a billing period for a tansacton category and d viding the total by the number of days in the biting cycle, We compnrle die daily balance for each transaction category on each day by fast adding the following to the previous day's daly balance. transactions made that day, fees charged that day and Periodic Finance Charges accrued on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that clay In calculating to daily balance for the first day of the biting period, we consider the -previous day's baance• lo have been your balance for each transaction category on the last day at your previous billing period. t a transaction is hosted to your Amount after the close of the biting period in which it occurs, we will treat the transaction as hav- ing occurred on the fist day of the billing period in which it's posted to your Account. All fees charged to your Account are added to the standard purchase transact in category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance hansber transaction category. When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fierhce Charges to to standard purchase transaction category However, if the spacial rate has been lei minated under the Default Rate Plan, we leave the unpaid balance of to balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special role weld have expired. For TOD (Telecommunications Device for the Deal) assistance, please call 1-800-347.7449. Discover may monfor and/or record telephone calk between you and Discover representatives for quality assurance purposes The Discover" card is issued by Discover Bank, Member FDIC. OITBK170 DISCOVER New Balance MinimEm: ment Due Account Number ending in 8863 $7,967.20 5158.Enter Amount Enclosed Below Payment Due Date $ February 17, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 18 sDSN6AO+ 0012486 MARK WADAS Text APP to DiSCt)V" to receive a link to our free mobile app and pay your bill in seconds 111 N PENN ST from anywhereI SHIPPENSBURG PA 17257-1311 PO BOX 71084 11111111111111 111 1111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephonechangeZ Print change in space II 1111111111111111111111111111 above, or go to Discover.com. Print your einoil address to receive important Account information and special offers. 0000019864580115803190?9672 000000000015800 Discover More Card Account Summary Closing Date: January 18, 2009 page 1 of t Account number ending in 8863 Previous Balance $8,117.67 Payment Due Date February 17, 2009 Payments And Credits 250.00 Minimum Payment Due $158.00 Purchases + 0.00 Credit Limit $8,600A0 Cash Advances + 0.00 Credit Available $632.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges + 99.53 Cash Credit Available $632.00 New Balance $7,967.20 Cashback Donu5° Opening Coshbock Bonus Balance $ 3.29 New Cashbock Bonus This Period + 000 Cashback Bonus Balance $ 3.29 Cashbock BonusO Anniversary Month-. January Keep building your rewards with every Qurchass. Start redeeming once you reach $20 Cashbock Bonus(R). How Can We Hel You? P I . Visit Discerencom to pay your b8 for "° past, vi°w your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Calf 1-800-DISCOVER (347-2683) for fast, easy selFservics Please have your Discover Card available . options or to speak with a Customer Service Account Manager For 7DD (assistance for hearing impaired) see reverse side Write us at Discover Card, PO Box 30943, 3. Salt Lake City, UT 84130 TransachonS $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 5 Jan 5 INTERNET PAYMENT - THANK YOU $ -250.00 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rata: 0.01093%; corresponding ANNUAL PERCENTAGE RATE. 399%. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bat dii593 Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $448.32 0.03901% 14.24% V 14.24% $5.42 $0 Past Purchases $4961.21 0.04723% 17.24% V 17.24% $72.61 $0 Cash Advances $674.72 0.06299% 22.99% F 22.99% $13.17 $0 Balance Transfers $1968.67 0.01367% 4.99% F 4.99% $8.33 $0 The rates that apply to your Account are either fixed (F) or they may vary m as rated above Important Information. If there is more than one page to this billing statement, see the bade of each page for additional important information. See your Cardmember Agreement. Your Cardmemher Agreement contains all the terms of your Account. Lost or stolen cards. Repot immmediatel ! Cal 1.801-347-2683. Biding Rights Summary. In Case of Errors or Queshons About You Bill: 8 you think your bill is wrong, or'd you need more information about a transaction on your bill, mile to us on a separate sheet of paper at Discover, PO Box 30421, Soft Lake City, Ur 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will nol preserve your runts. In your letter, give us the following irdormatim: . • Your name and Account number The dollar amount of the stispeded am • Describe the error and explain, t you can, why you believe there's an error, If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the pads of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: It you have a problem with this quaky of goods or services that you purchased with a credit card, and you have Vied in good faith to correct . the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You time this protection only when the purchase price was more than $50: and the purchase was made in your home state or whtpn 100 miss of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the tap portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount on the check. When we use information from your check to make an electronic fund transfer, funds may be wilhdrawn Von your account as soon as the saute day we receive yaw payment, and you will nor receive your check back from your fuancial institution. The processing of Mir payment may be delayed it you send cash, correspondence or otter items with your payment, if you send the payment to any other address or 9 you use an envelope artier then the one provided Payments received in proper form at our processing facility by 5PM local time on any day wit be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery, If your payment is returned unpaid, we reserve the right la resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-BDO-347-2683. You will need this statement and your bank account information. You must ensure that sufficient hands are available in your bank accowtt and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statemerrL YOU can cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment You may mliy us by phone at 1.800.347-2683 or by mail at the address listed in the previous paragraph. If your payments may very in amount, we wB tell you on each morillxy statement when you payment will be made and how much it will be. You Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the bilkng cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account nay 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, 0E 19850.5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on at tansadions from the date the transaction is posted to your Account until the dale you pay you entire New Balance, by making payments or receiving credits. However, ifyou paid the New Balance on your previous billing statement by the payment Due Date shown on that statement, and you pay Uhe New Balance by the Payment Due Date on your current billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases test appearing on the current statement We call this the grace period. Otherwise, you will receive a bilfing statement next month that eoludes Periodic Finance Charges on those new purchases. There is no grace period on balance trantders or cash advances. We soil you transactions into groups of purchases, cash advances. and balance transfers and then huther sort the transactions within each group by their Annual Percentage Rate. For example, purchases st bect to a promotional rote and pnrchoses subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each biting period, we compute balances and Periodic Finance Charges for each day of the b&V period for each transaction category. We use the following equation to compute Periodic Finance Charges for eadt Varsocliorn category: Average Daily Balance x number of days in to billing period x Daily Periodic Rate. (You may refer to the finance charge summary on your fitting statement for these amhminls.) Then we add up the Periodic Finance Charges for each trarsedan category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is ldxymn as zero 4. because of to grace period, no Periodic Finance Charges apply to the balance in a Imirsactim category. We use the Average Daly Balance (including new transactions) method of caloulabng L to balance upon vlnich we impose Periodic Finance Charges. We compute the Average Daily 13alance for each transaction category by adding up so the daily balances in a bilking period for a Vansocuon calegory and dividing the total by the number of days in the billing cycle. We compute the daffy balance for each transaction category on each day by fast adding the Iobvving to the previous day's daffy balance: transadiaa made that day, fees (:"ad fiat day and Periodic Finance Charges accrued on the previous days daily balance; and by gun subtracting arty credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the Bang period, wa consider the 'previous day's balance' to have been your balance for each transaction category of the last day of your previous killing period. If a transaction is posted to your Acomt after the close of the biting period in w4tidn lt comm. we will treat the transaction as hav- ing occurred on to first day of the billing period in which k is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception o(cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Fiances Charges which are added to the applicable balance transfer transaction ealegay. When a.. special balance transfer role expires, we more the lipoid balance of ft balance transfer and the Balance Transfer TransacGm Fee Finance Charges to the standard purchase transaction category. However. it the special rate has been lermahated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Fiance Charges in rte applicable transaction category trait the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, Please calf 1-800.347.7449. Discover may monitor anNor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover' card is issued by Discover Bank, Member FDIC. OITBK170 Now Balance Minimum Payment Due DISCOVER m Account Number ending in 8863 $7,692.52 $156.00 Enter Amount Enclosed Below Payment Due We March 17, 2009 Please make check payable to Discover Card or pay online ® Discavwcard.com. 18 SDSNBAOi 0012487 MARK WADAS Text APP to DISCOV• to receive a link to our free mobile app and pay your bill in seconds 111 N PENN ST from anywherel SHIPPENSBURG PA 17257-1311 PO BOX 71084 IIIt.,l6ssurllts111AII CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space Irdr?Inlnr?rlluJulrlnrlll?urlnlnlullirlnlrrlrlnll above, or go to Discover.com. Print your e-mail address to receive importarrt Account information and special offers. 000001986458011580319078925200000000015600 Discover More Card Account Summary Closing Date- February 18, 2009 page 1 of 1 Account number ending in 8863 Previous Balance $7,967.20 Payment Due Date March 17, 2009 Payments And Credits 175.00 Minimum Payment Due $156.00 Purchases + 0.00 Credit limit $8,600.00 Cash Advances + 0.00 Credit Available $707.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges + 100.32 Cash Credit Available $707.00 New Balance = $7,892.52 Cashback Bonuse Opening Cashback Bonus Balance $ 129 New Cashback Bonus This Period + 0.00 Cashback BonusO Anniversary Month: January Cashback Bonus Balance $ 3.29 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback 8onus(R). How Can We Help YOU 1. Visit Discovercom to pay your bill for no cost, view your P latest Account information, earn and redeem rewards cmd more It's your choice - 3 ways to help 2. Call I-800MCOVER (347.2683) for fast, easy selhservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Efability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 16 Feb 16 INTERNET PAYMENT - THANK YOU $ .175.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee (4dy Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bahncgs Rotes RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $453.77 0.03901% 14.2A% V 14.24% $5A9 $0 Past Purchases $5034.33 0.04723% 17.24% V 17.24% $73.68 $0 Cash Advances $688.02 0.06299% 22.99% F 22.99% $13.43 $0 Balance Transfers $1822.59 0.01367% 4.99% F 4.99% $7.72 $0 The rates that apply to yow Account are oitlrer fixed IF) or they may vary (V) as rated above. Important Irdormatlon. if there is more than one page to this billing statement, seethe bade of each page for additional important information. See your Cardmember Agreement YourCardmamberApv meet contains alp the temrs of ywAcceunt. Lost or stolen cards. Report immediately! Call 1$00-347.2663. Rifling Rights Sununary. In Case of Errors or Questions About Your Bid: It you think your big is wrong, old you need more information about a transaction on your bill, write to us on a separate sheet of paper at Discover, PO Box 30421, Soft Lake City, UT 84 f30-8421, as soon as possible. We must hear tam you no latertr®n 60 days after we sent you he first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your tights. In your letter, give us the following information: • Your name and Account number. • The dollar amount of the suspected error • Describe the error and explain, if you. can, why you believe there is an error. If you need more ,nfamnalicrr, describe the deem you are utswe about. You do not have to pay any amount in question whale we are investigating, but you are still obligated to pay the parts of your bill that are not in question. We we investigate your question, we cannot report you as delinquent or take any action to coded the amount you question. Spectal Rule for Credit Card Purdhases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to coned the problem with the merchant you may not have to pay die femaining amount due on the goods or services. You have this protection only when the purchase price was mote than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (t we am or operate the merchant, or t we marled you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your c1hedk as described above, you authorize us to use inormation on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. 0 payment is processed as an electronic fcxhd transfer, the trareder will be for the amount on the check. When we use information from your check to make an electronic fund transfer, furcls may be wfihdrawn from your account as soon as the same day we receive your paymenl, and you will not receive your check bade from your financial institution. The processing of you payment may be delayed d you send cash, correspondence or other items with your payment, t you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local lime on any day will be credited to your Account as of that day. Payments received at our processing facility alter SPM local time writ be credited to you Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream. IL 60t97.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800347-2683. You mil need this statement and your bank account information. You must ensure that sufficient funds are available in you bank account, and all Vansactons must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering lase numbers as your electronic signature, you will be agreeing to Drs, authorization to allow us and your bards to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a paymem, however we must receive notice at least three business days in advance of the scheduled payment. You may nafdy us by phone at 140-347-26133 or by mail at the address listed in the premus paragraph. If your payments may vary in amount, wit will fell you on each monthly statement when your payment will be made and how much it will be. Your Automati c payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on you account may be reflected'In you 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 inaccurete or incomplete, please wide us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, 9 you paid the New Balance on your previous biting statement by the Payment Due Date shown on that statement, and you pay fire New Balance by the Payment Due Date on your curmt biAngstatement. ve wd0 not lnpose Periodic Finance Charges on new purchases, that is, purchases first appearing' on the current statement. We cal des the grace period. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or rash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and than further sod the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate vrotdd be separate groups. We refer to these groups as transaction categories. At the end of each filling period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category We use the following equation to compute Periodic Finance Charges for each transaction category: Average Daly Balance x rumba of days in the bailing period x Daily Periodic Rate. (You may refer to the finance charge surnmciry on your billing statement for these amounts.) Then the add up the Per aria finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Day Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use die Average Daily Balance (rvludirg new Vaisactionsf method of colcula rig die balance upon which we impose Periahc Finance Charges. 'Ale mypule Hie Average Daly Balance for each transacoah category by adding up al the daily balances in a biting paned fa a transaction category and dividing the total by the number of days in the billing cycle. We compute the daily balance for each trarmc6on category our each day by first adding the fdbwerg to ilre previous deyls duly balance. transactions made that day, fees dharged that day and Periodic Finance Charges accrued on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the defy balance for the fait day of the billing period, we consider the "previous day's balance` to have been you balance for each transaction category on the fast day of you previats billing period. If a transaction is posted to your Account after the close of the billing period in which it occurs, we will treat the transaction as hav- ing occurred on the first day of the loping period in which it is posted to yaw Account All fees charged to your Account are added to the slarhdard purchase trarhsadan category with to exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When a special balance bander rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer transaction fee Finance Charges to the standard purchase transaction category However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee France Charges in the applicable transaction category until the special rate would have expired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1.8001347-7449. Discover may monitor andlar record telephone calls between you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Bank, Member FDIC. OITBK170 DISCOVER $ 80871Ce 18 SDSNGA01 0012488 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Minimum Payment Due Account Number ending in 8863 $155.00 Enter Amount Enclosed Below Payment Due Date $ 1- Apn1 17, 2009 Please make check payable to Discover Card or pay online 0 Discovercord.com. Address, e-mail or telephone change? Print change In space above, or go to Discover.com. Print your e-mail address to receive Important Account information and special offers. Text APP to DISCOW to receive a link to our free mobile app and pay your bill in seconds from anywhere] PO BOX 71084 IIL,dLtr,r,llL,hr,dll CHARLOTTE NC 28272-1084 Inl,llul,nlillu,?,,I,I,u?l?lu,lnlnlnllulufnl,lull aaaOO198645801158a3190780871OOaa0000015500 Discover More Card Account Summary Closing Date: March 18, 2009 page 1 of 1 Account number ending in 8863 Previous Balance $7,892.52 Payment Due Dote April 17, 2009 Payments And Credits 175.00 Minimum Payment Due $155.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $791.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges + 91.19 Cash Credit Available $791.00 New Balance - $7,808.71 Coshback Bonuse Opening Cashback Bonus Balance $ 3.29 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Cashback Bonus Balance 3.29 1. Visit Discover com to pay your 611 for no cost, view your How Can We Help You7 . latest Account information, *am and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) For fast, easy s4service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. DTranates. Post payments and Credits Mar 17 Mar 17 INTERNET PAYMENT • THANK YOU $ -175.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHR-GES current billing period: 28 days Purchases $459.02 0.03901% 14.24% V 14.24°% Past Purchases $5104.91 0.04723% 17.24% V 17.24% Cash Advances $700.91 0.06299% 22.99% F 22.99% Balance Transfers $1659.05 0.01367% 4.99% F 4.99% $5.01 $0 $67.48 $0 $12.36 $0 $6.34 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. If there is more than one page to this baling statement, see the back of each page for additional important infomhatian. See your Cardmember Agreement Your CardmemberAgreemeof contains at to berms of your Account Lost or stolen cards. Report immo distelyl Cali 1.800.347-2663. Biting Rights Summary. In Case of Errors or Questions About Your 1111i If you think your bill is wrong, or 4 you need mare information abort a transaction on you bill, write to us on a separate sheet of paper at Discover, PO Box 30421. Salt Leke City. UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first big on which the error or problem appeared. You can telephone us, but doing so will not preserve your tights. In your fetter, give us (he fallowing information: Your name and Accent number. The dollar amount of to suspected error Describe the error and explain, if you can, why you believe time is an error. If you need more information, describe the item you are unsure about You do not have to pay any amount in question while we are pwesligatirg, but you are still obligated b pay the parts of your bill that are not its question. While we investigate your question. we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: if you have a problem with the quality of goods or services that you purchased with a credit card, end you have triad in good faith tooorrect the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or 4 we mailed you the adverbsement for the goals or services, all purchases are covered reganfess of the amount or location of purchase .) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on you check to make an electronic fund transfer from your account at the frencal institution indicated on you check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the !ranter will be for the amount on the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be data* if you send cash, correspondence a other gems with your payment, it you send the payment to any other address or 0 you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing faukty 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 you payment is returned unpaid, we reserve the right to resubmit d as an electronic debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-347-2683. You Will need this statement and your bank account information. You roust ensure that sufficient funds are available in your bank account and all transactions must comply with U.S. taw. You tilt be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and you bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to you bank account as applicable, to coned an error in the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1-800.347-2663 or by marl at the address listed in the previous paragraph. If you payments may very in arnow, we will tea you on each monthly statement when yon payment vA be made and how much it will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the baling cycle. Credit Reporting. We they report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in you credit report . We normally report die status and payment history of yourAeoount to credit reporting agencies each month. If yuu believe that our report is inaccurate our incomplete, please write' us at the following address: Discover, PO Box 15316. Wilmington. DE 19850-5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Batence, try making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on you current adng statement, we will not impose Periodic Finance Charges on nev purchases, that is, purchases first appearing' on the current statement- We call this the grace period. Otherwise, you will receive a baling statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sat your transactions into groups of pochases, cash advances, and balance transfers and then further sot the transactions within each group by their Annual Percentage Rate. For example, purchases sutyect to a promotional rate and purchases sub{ed to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each biking period, we can" balances and Peririft Finance Chagas for each day of the bikng period for each transaction category. We use (he tugawing equation fe compute Periodic Finance Charges for each transaction category: Average Daily Balance x ntrnbet of days in the piing period x Daily Periodic Rate. (You may Toler to the finance charge summary an your bhk-rug statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Oak Balance is shown as zero d, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use de Aerage Daay Balance (including new transactions) method at calcutatng die balance uron which vie impose Percdic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the baling cycle. We compute thq daily balance for each transaction category on each day by fist adding the following to the preuious day's daily balance. transactions made that day, fees charged that day and Periodic finance Charges accrued on the previous days deity balance: and by then subtracting any credits and payments that are applied against the beleae of the transaction category on that day. In calculating the daily 4blartce for the first day of the billing period, we consider the `previous days balance' to have been your balance for each transaction category on the last day of your previous Wig period. Its transaction is posted to your Account after the close of the biding period in which it occurs, we will treat the liansadiah as hav- ng occurred on the furs! day of the biding period in which d is posted to your Account. All tees charged to you Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to hue applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase trensaclian category However, it the special rate has been terminated dnder the Default Rate Plant we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate wold have expired. For MD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or rend telephone calls between you and Discover representatives for quality assurance purposes. The Discover' card is issued by Discover Bank. Memher FDIC. Of78K170 New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $7,610.20 $151,00 Enter Amount Enclosed Below 18 SDSN8A01 0012489 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Address, e-mail or telephone change8 Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Payment Due Date $ 1-?-? May 17, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.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 loll 1111 CHARLOTTE NC 28272-3084 !„h I I„!, n!, A,,, !, J,l,, r l l! I,,, I„I„I„!! r, l ?, I„I,1„I I 000001986458011580319D76102DD000000D015100 Discover More Card Account Summary Closing Doke: April 18, 2009 page l of I Account number ending in 8,863 Previous Balance $7,808.71 Payment Due Date May 17, 2009 Payments And Credits 300.00 Minimum Payment Due $151.00 Purchases + 0.00 Credo Limit $8,600.00 Cash Advances + 0.00 Credit Available $989.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges + 101.49 Cash Credit Available $989.00 New Balance $7,610.20 Cashback BonuSe Opening Cashback Bonus Balance $ 3.29 New Cashback Bonus This Period + 0.00 Cashback Bonus& Anniversary Month: January Cashbook Bonus Balance 3,29 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? P I. Visit Disco ve com to pay your bill for no test, view your - latest Account informcrtion, own and redeem rewards and more It's your choice - 3 ways to help 2. COO I-800-DISCOVER (3d7-2683) for fast, easy sel4arvice 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 (ossistance for hearing impaired) see reverse side , , Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Date Date Payrnenh and Credits Apr 14 Apr Id INTERNET PAYMENT • THANK YOU $ 400.00 Information For You Balance Transfer offer(s) for current b,lling period: Daily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.99%. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Transaction Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rotes RATES RATES CHARGES SIF?GEs current billing period: 31 days Purchases $464.32 0.03901% 14.24% V 14.24% $5.62 $0 Past Purchases $5176.51 0.04723% 17.24% V 17.24% $75.77 $0 Cash Advances $714.05 0.06299% 22.99% F 22.99% $13.94 $0 Balance Transfers $1A54.49 0.01367% 4.99% F 4.99% $6.16 $0 The rates that apply to your Account are either fixed IF) or they may vary IV) as noted above. Important Information. If there is more than one per to this bilmg stetenwit, seethe back of each page for additional important informaton. U) See yaw Cardmember Agreement Your CardmemberAgreemenl contains all the term of your Account. 0 m Lost or stolen cards. Report immediately! Cell 1800341.2663. 0 Bitting Rights Summary. In Case of Errors or QuestionsAbout Your 13h1: If.you think you bill is wrong, or if you need more nfamation about a transaction on your big, write to us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake Cily, UT 84130-0421, as soon as possible. We must hear from you no War Alan 60 days after we sent you tie first bit( o oa which the error or problem appeared. You can late phone us, but doing so wit riot preserve your nights. In you letter, gyve us the following intormeeorc 00 You name and Account number. m • The dollar amount of the suspected error J • Describe the error and explain, if you can, wiry you believe there is an error. If you creed more information, describe the item you are unsure about You do rot have to pay any amount in question while we are investigating, but you are still obligated to pay the pads of you bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: It you have a problem with the quality of goods or services that you purchased with a credit card, and you have Vied in good faith to correct the problem with the merchant. you may rat !rave to pay the remaining amml due on the goods or services. You haw this protection only when the purchase price was more than $50 and the purchase was made in your tome state or within 100 miles of your mailing address. (If we own or operate the merchant, or 0 we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase) Payments. Send only you payment and the top portion of this statement in die envelope provided. Do rat send ash. Byseri ft your check as described above, you authorize hs 10 use information on your check to make an electronic fund transfer from you account at the financial institution nxiicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer vnll be for the amount on the check. When we use information from your check to make an electronic fund transfer, funds may be hniih !awn from your account as soon as the same day we receive your payment, and you A not receive your check back from your financial institution. The processing of your payment may be delayed 9you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing finality by 5PM local time on any day will be aedited to your Account as of that day. Payments received at our processing facility after 5PM loaf ome will be credited to your Account as at titre nerd day. It you have misplaced you envelope, send your payment to Discover. PO bux 6103, Card Stream. IL 60197-6103. Please allow 7-10 days for delivery It your payment is returned un pa d, we reserve lire right to resubmit it as an electronic debit- You fin pay your min imum payment or a greater amount over the telephone, and you can set up auomabc payments. Cal us at 1.8W347-2683. You will need this statement and your bank account information. You must ensue that sufficient funds are available in your bards account, and at transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment- You must tell us the amount of each payment, or you can select an artavnt such as the Minimum Payment Due or the New Balance on each statement. You an cancel a payanent, however we must receive notice at least three business days in advance of the scheduled payment. You may notity us by phone at 1800-347-2683 or by mail at the address listed in the previous paragraph. If you payments may very in amount, we will let you on each moat ly statement when you payment will be made and how much a will be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your amount to aedd bureaus. Late payments, missed payments, or otherdetaulh on you 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 Wowing address: Discover, PO Box 153 f6, Wr1mingfon. OE 1196453 16. Please include your new, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date yohh pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on you previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on your ardent billing statement, we miff not impose Periodic finance Charges or new purchases, that is, purdheses first appearing . i c Finance Charges on those new purchases. There on the agent statemernl. We all tin tie grace period. Otherwise, you will receive a belting statement next month that Includes Period is no grace pentad on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sad the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each biting period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equatim to compute Periodic Finance Charges fa each transaction category: Average Daly Balance x number of days in the blfeg period x Daily Periodic Rate. (You may refer to the finance charge summary on your bdfing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Defy Belence (including new transactions) method of caWating the balance upon wdhich we impose Periodic Finance Charges. We coWite the Average Daily Balance for each transaction category by adding up all the daily balances m a billing period for a transaction category and dmdang the total by the number of days in the biking cycle. We compute tine daily balance for each transaction category on each day by first adding rue following to the previous day's daily balance: transactions made that day, fees charged that day and Periodic Finance Charges accrued on the previous days doily balance; and by then subtracarg any credits and payments that are applied against he ba(ance of the aarsaction category on that day. In calculating the daily balance lot the first day of the billing period we consider the 'previous days balance" to have been your balance for each transaction category on the last day of your previous big ng period. If a transaction is posted to you Account after the close of that billing period in which it occurs, we will treat the transaction as hav- ing occurred on the first day of the billing period in which it is posted to your Account. All fees charged (a your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the f ti li Wh f F h b b i r t en ca er transac on catego y. inances Charges which are added o t e app le a mce trans applicable cash advance transaction category and Balance Trans er Transaction Fee a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance transfer Transaction Fee Finarhce Changes to the standard purchase transaction category However. t the special tote has been terminated under the Default Rate Plan, we leave the trhpsid balance of the balance transfer and the Balance Transfer Trans- atsiorh Fee Finance Charges in the applicable transaction category until Me special rate would have expired. For TOD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449. Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes. The Oisoover°" card is issued by Discover Bank, Member FDIC. OITBK170 DISCOVER $7 Now Balance 18 SDSN&A010012490 MARK WADAS 111 N PENN ST SHIPPENSBUR6 PA 17257-1311 Minimum Payment Due Account Number ending in 8863 $149.00 Enter Amount Enclosed Below Payment Due Date $ --? June 13, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.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 I{I?r?Ilrr?rrrN6r{?rrrl{{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space {n?r??u?nrlr??rn{n?r?ur??I??n?n?u??u? u?n ???n?I above, or go to Discover.com. Print your e-mail address to nr receive important Account Information and special offers. 000001986458011580319075084800000000014900 Discover More Card Account Summary Closing Date: May 18, 2009 page 1 of 2 Account number ending In 8863 Previous Balance $7,610.20 Payment Due Date Juno 13, 2009 Payments And Credits 200.00 Minimum Payment Due $149.00 Purchases + 0.00 Credit limit .$8,600.00 Cash Advances + 0.00 Credit Available $1,091.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Fnance Charges + 98.28 Cash Credit Available $1,091.00 New Balance $7,508.48 Cashback Bowe Opening Cashback Bonus Balance $ 3.29 New Cashbock Bonus This Period + 0.00 Cashba& Bonus Balance $ 3.29 Cashback Bonus® Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). 'How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side I . Visit Discovoncom to pay your bill for no cost, view r 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 Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credits May 8 May 8 INTERNET PAYMENT - THANK YOU $ -200.00 Information For You balance Transfer ofbr(s) for cmvM billing period: Daily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.99%. Important Information. If there is more tan one page to his billing statement, see the back of each page for additional important information. rn D See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of yourAccount y O! Lost or stolen cards. Report immediately! Call 1400.347.2683. p Billing Rights Summary. N Case of Errors or Questions AboutYour Bat: N you tCrtk your big is wrong, or if you need more Information about a transaction on your bill, write to us on a 8 separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 841340421, as soon as possible. We must hear from you no later than 6D days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your righl& In your letter, give us the fWawkV information: a Yourname arid Account number. o The dollar amount of the suspected error. Describe the error and explain, t you can, wiry you believe there is an error. If you need more information, describe the item you are unsure about You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill dot are riot in question. Me we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quaky of goods or services that you pordhased with a credit card, and you have Wed in good faith to correct the problem with the merchant, you may nW have to pay the remaining amount due on The goods or services. You have this protection only when the pundiase price was more than $50 and to purchase was made in you home state or within 100 Riles of your mailing address. (t we own or operate to merchant, or if we mailed you the advertisement forthe goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement In the envelope provided. Do rot send cash By sending your check as described above, you authorize us to use information on your check to make an electronic kind transfer from your account at the financial insOrtion 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 you check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, it you send the payment to any other address or t you use an envelope other than the one provided. Payments received in proper farm at our processing facgy, by 5PM local time on any day will be credte ! to your Account as of that day. Payments received at our processing facility after 5PM local time wig be credited to your Account as of the next day, if you have misplaced your envelope, send your payment to Discover, PO Box' 6103, Carol, Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment K resumed unpaid, we reserve the right to resubmit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800.347.2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement VP code. Byenlering those numbers as your elecuatic signature, you will be agreeing to this authorization fo allow us and your bank fo deduct each , payment you authorize from your bank account, and to initiate debit or credit entries to your bank accounL as applicable, to correct an error in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment; however we must receive notice at least three business days in advance of the scheduled payment You may noliy us by phone at 1.804347-2683 or by mail at the address listed in the previous paragraph. if your payments vary in amount. we will tell you on each monthly statement when your payment will be node and how much it will be. Your automatic payment amount may be less than indicated on the mouthy statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to kxedil 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 credo reporting agencies each month. Ifyou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316. Wilmington, DE 198545316. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your billing statement unless a transaction is posted to your Acxxiunt after the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the bitting period in which it is posted lo your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance, by making payments or receiving credits. However, t you paid the New Balance on you previous billing statement by to Payment Due Date shown on that bgkg statement and you pay the New Balance by the Payment Due Date on your anent biting statement, we will not impose Periodic Finance Charges on rear purchases, that is, purchases first appearing on flue current biting statement. We cat this he 'grace period." There is no grace period on balance transfers or cash advances Minimum Finance Charge, We will charge your a minimum FINANCE CHARGE of $.50 for any billing period in which Period c Finance Charges of less than $.50 would otherwise be imposed. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year yourAcceunl is open. The amount of the tee appears on the statement when the fee is billed. The annual tee is not refundable unless you nofiy us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You Wit receive this refund even i(you use you Card during hot period. Periodic Finance Charges. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by fheirAnnual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each bung period, we compula balances and Periodic Finance Charges for each day of Me Wing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category. (Average Daily Balance) times (days in billing period) tines (Daily Periodic Rate). (You may refer to he finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your AccounL The Average Daily Balance is shown as zero If, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use treAverage, Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction categaly.by adding up all the dairy balances in a billing period for a transaction category and dividing the total by the number of days in the biting period. We compute the daily balance for each transaction category on each day by fast adding the following to the previous days daily balance: transactions with a Transaction Dale of that day as shown on your fling statement, unless the transaction is posted to yourAccount after the dose of the biting period in which t occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's dairy balance; and by ten subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for to first day of the billing period, we consider the *previous day's daffy balance to have been your balance for each transaction category on the last day of your previous billing period. An fees charged to your Account are added to the standard purchase transaction categorywith the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we more the unpaid balance of ft balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, t the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. For TDO (relecommunicstions Device for the Deaf) assistance, please call 1-800-3474449. Discover may monitor and/or record telephone cats between you and Discover representatives for quality assurance purposes. The Discovcr6 card is issued by Discover Bank, Member FDIC. OlTBK171 pays to SC ? A'`ccount number ending in 8863 DISCOVER It Announcing Pending Transactions! You asked, we listened. Cardmembers can now view pending transactions online! Check your purchases in reoltime to stay conneded to your account like never before either online or using your mobile device. Log in to your account at Discovercom from your laptop or your mobile device and see for yourself! @2012 Discover S mk, Member FD)C Dosing Date: May 18, 2009 page 2 of 2 Finance Charge Summary Promotion: Make a purchase by 06/30/09 to receive a 1.90% APR on all purchases made from 05/04/09-11/30/09. Daily Periodic Rote: 0.00521 %. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periatic PRCENTAGE PERCEtiTAGE FNJANCE FINANCE Bold psgs Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $469.89 0.03901 % 14.24% V 14.24% $5.50 $0 Past Purchases $5251.57 0.04723% 17.24% V 17.24% $74.39 $0 Cash Advances $727.90 0.06299% 22.99% F 22.99% $13.75 $0 Balance Transfers $113A.98 0.01367% 4.99% F 4.99% $4.64 $0 The rates 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 calf 1-800-DISCOVER (1-800-347-2683). N N z m 0 0 0 ra A 8 DISCOVER $741968 e 18 SDSNSA01 0012491 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Minimum Payment Due Account Number ending in 8863 $147.00 Enter Amount Enclosed Below Payment Due Date $ July 13, 2009 Please make check payable to Discover Card or pay online @ Discovercard.com. Text APP to DISCOW to receive a link to our tree mobile app and pay your bill In seconds from anywhere! PO BOX 71084 111.111111188 11111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2Print change in space III lillr1IrrrI1II1n1nlrlrrrllllrlilt lrrlnllr,lr,lr,lriull above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319074106800000000014700 Discover More Card Account Summary dosing Date: June 18, 2009 page 1 of 2 Account number ending in 8863 Previous Balance $7,508.48 Payment Due Date July 13, 2009 Payments And Credits 200.00 Minimum Payment Due $147.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $1,189.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges + 102.20 Cash Credit Available $1,189.00 New Balance $7,410.68 Cashback Bmuse Opening Cashback Bonus Balance $ 3.29 New Cashback Bonus This Period + 0.00 Cashback BonusO Anniversary Month: January Cashbock Bonus Balance $ 3.29 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Borws(R). How Can We Help You? p 1. Visit Discover eom to pay year lAl for no cast, view your latest Account information, earn and redeem rewards and more VItrS your Ch0'tce - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self Service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Dab Payments and Credits Jun 8 Jun 8 INTERNET PAYMENT - TKANK YOU $ -200.00 Information For You Balance Transfer offerls) for current brilkV period: Daily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.99%. Important Information. tthere is more than one page to this billing statement, see the back of each page for addnionel important infamhation. o See your Cardmember Agreement, Your CardnemberAgreement cotNains all the terms of yourAmorn t. ce z Lost or stolen cards, Report immediately! Call 1.800.347.2683. o Billing Rights Summary. In Case of Errors or DdestionsAbout Your 881: If you think your hill is wmpg, or if you need more kdormation aloud a transaction on your bill, wrie to us on a o separate sheet of paperer Discover POBmr30421,Self Lake City,UT841300121,assomas possible. Wamusthearfrom younolater than 60days after wesent you the W bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the fofbwing information: a Your name and Account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need mare information, describe the item you are unsure about. You do not have to pay any amount In question while we are nvesfigaing, but you are still obligated to pay the parts of your big that are not in question. While we irwestigate your question. we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant. you may not have to pay the remaining amount duce on the goods or services. You have tus protection only when to purchase price was more than $50. and the purchase was made in your hone stale or within 100 miles of your mating address. (If we own or operate the merchant, or if we mated you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described shove, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as The same day we receive your payment, and you will not receive your check back from your financial Institution. The processing of your payment may be delayed 9 you send cash, correspondence or other items with your payment, t you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local lime on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to yo rAccount as of the next day. If you haven". ced your envelope, send your payment to Discover, PO Box 6103, Card, Stream, IL 60197-6103. Please allow 7-10 days for delivery. t yrour payment is returned unpaid, we reserve the right to resubmit it as an electrorhic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-347-2683. You will need tds statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank 8dmomnt, and to initiate debit or as & entries to your bar* amount, as applicable, to correct an error in the processing of such payment. You must :ell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment; however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1-800-347.2683 or by mall at the address listed in the previous paragraph. If your payments vary in amount, we will tell you on each monody statement when your payment A be made and how mach t will be, Your automata payment amount may be less than indicated on the mom* statement based on credits or payments applied during the filling cycle. Credit Reporting. We may report information about you account to credit bureaus Late payments, missed payments, or other defaults an your account may be reflected in you credit report. We normally report the stalls and payment History of your Account to crack reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address, Discover, PO Box 153316, Wilmington. DE 19850-5316. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to Impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your l idling statement, unless a transaction is posted to your Account after the dose of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the frost day of the biding period to which it is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay you entire New Balance, by making payments or receiving aeclits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement and you pay On New Balance by the Payment Due Dale on your current billing statement, we A not impose periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement. We cat this the 'grace period.' There is no grace period on balance transfers or cash advances. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which periodic Finance Charges of less than $.50 would otherwise be Imposed. Annual Fee. If your Account has an annual fee, it will be bided at the beginning of each anniversary year yourAaaum is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to dose yourAmount within 30 days of the mailing or delivery date of the statement on which the tae is billed. You will receive this refund even if you use your Card during that period Periodic Finance Charges. We sort your transactions into groups of purchases, cash advances, and balance transfers and ten further sort the transactions within each group by Mir Annual Percentage Rate. For example, purchases subject to a promo tonal rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each bldg period, we compute balances and Periodic Finance Charges for each day of the biting period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) times (Daily Periodic Rate) (You may refer to the finance charge summary, on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for yourAcmunt. The Average Daty Balance is shown as zero it, because of the grace period, no Periodic Finance Charges apply to the balance In a transaction category. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We eompWe the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the trial by the number of days in the billing perlad. We compute the dairy balance for each transaction category on each day by first adding the following to the previous days daily balance: transactions with a Transaction Date of that day as shown on your billing statermerht, unless the transaction is posted to your Account after the dose of the tilling period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account, fees charged that day and Periodic Fmance Charges accrued on the previous days daily balance; and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day, in calculating the daily balance for the fast day of the biding period, we cons der th s'previous day's daily balance" to have been your balance for each transaction category on the last day of your previous billing period, All fees charged to your Amount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the appl c cash advance transaction category and Balance Trans* Transaction Fee Finance Chaps which are added to the applicable balance transfer transaction caM.gory. When the special ma expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finernce Charges to the standard purchase transaction cat". However, if the special rate has been tanmneled user the Default Rate section, we leave the unpaid balance of the balance transfer and the balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. For TOD (Telecommunications Device for the Deal) assistance, please call 1.888047.7449 Discover may monitor andfor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover' card is issued by Discover Bank, Member FDIC. 01TBK171 fr pays ro MARK WADAS Account number ending in 8863 Announcing Pending Transactions! You asked, we listened. Cardmembers can now VieW pending transactions online! Check your purchases in reohime to stay connected to your account like never before either online or using your mobile device. Log in to your aCMUnt at Discover oom from your laptop or your mobile device and see for yourself! MI2 Discover Bank, ?Aem6er FDIC DISCOVER (3osing Date: June 18, 2009 page 2 of 2 Finance Charge Summary Promotion: Make a purchase by 06/30/09 to receive a 1.90% APR on all purchases mode from 05/04/09-11/30/09. Daily Periodic Rate: 0.00521%. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE RttANCE Balances Rates RATES RATES CHAIM CHARGES current billing period: 31 days Purchases $475.51 0.03901% 14.24% V 14.24% $5.75 $0 Past Purchases $5327.73 0.04723% 17.24% V 17.24% $77.98 $0 Cash Advances $742.01 0.06299% 22.99% F 22.99% $14.49 $0 Balance Transfers $941.67 0.07367% 4.990e F 4.99% $3.98 $0 ;The rotes that apply to your Account are either fixed IF) or they may vary M as noted above, Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). N b N Z m 0 N ?O DISCOVER $7Now Bala ,360.38 t8 SDSN6A070012492 NARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Minimum Payment Due Account Number ending in 8863 $146.00 Enter Amount Enclosed Below Payment Due Date $1 1 August 13, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Ill aesllr,m1ll!„L,U111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes Print charge in space jrrlrlLrlrnjfill pill ijrulilir 11111111 ??11?rlujujrjnjl above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319073603800000000014600 Discover More Card Account Summary Closing Date: July 18, 2009 page I of 1 Account number ending in 8863 Previous Balance $7,410.68 Payment Due Date August 13, 2009 Payments And Credits - 150.00 Minimum Payment Due $146.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $1,239.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Furance Charges + 99.70 Cash Credo Available $1,239.00 New Baksnce = $7,360.38 Cashback Bonuse Cashback BonusO Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Opening Cashback Bonus Balance $ 3.29 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 3.29 How Can We Het You? I . Visit Discover tom to pay year 6116' no test, v!sw r p latest Account information, earn and redeem rewardsonnd more It's your choice - 3 ways to help 2. Call 1-800DISCOVER (347-2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. TDaates Drill Payment and credits Jul 13 Jul 13 INTERNET PAYMENT - THANK YOU $ -150.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances RgW RATES RATES AGES CHARGES current billing period: 30 days Purchases $487.20 0.03901% 14.24% V 14.24% $5.63 $0 Past Purchases $5404.98 0.047231/o 17.24% V 17.24% $76.56 $0 Cash Advances $756.40 0.06299% 22.99% F 22.99% $14.29 $0 Balance Transfers $786.20 0.01367% 4.99% F 4.99% $3.22 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above Important Information. N there is more than one page to this bung statement see the back of each page for addrtiaai important informa0on. N See your Cardmember Agreement Your CardmemberAgfeemerd contains all tie temts of your Account. o Co z Lost or stolen cards, Report immediately! Call 7.800.347 2683, n 0 Bitting Rights Summary. In Case of Errors or Questions About Your BRI; If you think you bill is wrong, or if you need more information about a transaction on your bill, write to us on a c separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later then 60 days after we sent you the first bit on 2 which the error or problem appeared. You can Istephone us, but doing so will not preserve your rights. In your lever. give us the following information: A •Your name andA=rd number. ' The dollar amount of the suspected error. N Describe the error and explain. I you can, why you believe there is an error. If you need more information, describe the Rem you are unsure about. `n You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bit that are not in question. WNIe we investigate your question, we cannot report you as delinquent or lake any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may rot have to pay One, remaining amount due on the goads or services. You have this protection only when the purchase Vice was more than $50 and the purchase was made in your home state orwiOtin 100 miles of your mailing address. (If we own or operate the merchant or 0 we mailed you the advertisement for the goods or services, all purchases are covered regardless of the remount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do mot send cash. By sending your check as described above, you au8rodze us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction , if payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or 9 you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be meted to yourAccount as of that day Payments received at our Processing facility after 5PM kcal Ikme will be credited to your Account as of 1% next day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol, Stream, IL60197.6103. Please allow 7-10 days for delivery, If your payment is relumed unpaid, we reserve, IN right to resubmit it as an electronic debt. You can pay your minitrwm paymentor a greater amount over the telephone, and you can set up automatic payments. Call us at 1-000-347-2883. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account and all trarsaddns must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement 21P code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to glow us and your bank to deduct each . payment you authorize from you bank account, and to iniade debt or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1.800-347-2683 or by mail at the address listed in the previous paragraph. If your payments vary in amount, we will tell you on each monthly statement when your payment will be made and how much it will be. You automatic payment amount may be less than indicated on One monthly statement based on credits or payments applied during the WIN cycle. Credit Reporting, We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults an your account may be reflected in your credit report. We normally report the status and payment history of yourAccourl to credit reportirg 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 19850-53,16. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your billing statement, unless a transaction is posted to your Account after the dose of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the being period in which R is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that being statement and you pay the New Balance by the Payment Due Date on your current bdg-mg statement, we will not Impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement. We call this the 'grace period' There is no grace period on balance transfers or cash advances. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of 530 or any bung period in which Periodic Finance Charges of less than $.50 warts otherwise be imposed. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when he fee is billed. The annual fee is not refundable unless you ndfy us that you wish to close your Amount within 30 days of the marling or delivery date of the statement on which the fee is billed. You will receive this refund even 9 you use your Card during that period. Periodic Finance Charges. We sort your transactions Into groups of purchases. cash adva noes, and balance transfers and then further am the transactions within each gram by their Anrwal Percentage Rate. For example purchases subject to a promotional rate and purchases su*.cl to a standard rate would be separate groups. We refer to these groups as transaction categories. At the and of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges or each transaction category: (Average Daily Balance) times (days in biting period) times (Daily Periodic Rao) (You may refer to the (vane charge summary on your billing statement for these amounts,) Then we add up the Periodic Finance Charges or each transaction category to get the total Periodc Finance Charges or your Account. The Average Daly Balance is shown as zero t, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daly Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all :he daily balances in a biting period or a transaction category and dividing the total by the number d days in the bilig period. We compute the daily balance for each transaction category on each day by first adding foe following to the previous days daily balance: transactions with a Transaction Date of that day as dorm on your billing statement unless the transaction is posted to your Account after the dose of the billing period in which t occurs, in which case foe transaction will be added to the daily balance as of the first day of the piing period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance or the fist day of the billing period, we consider the previous day's daffy batarl to have been your balance for each transaction category on the last day of your previous billing period, All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance TransferTransacion Fee Finance Charryes which are added to the applicable balance transfer transaction category- When : the spatial rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, t the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deal) assistance, please call 1-800-347.7449. Discover may monitor andlor record telephone calls between you and Discover representatives for cphatRy assurance purposes. The DiscoverR card's issued by Discover Bank, Member FDIC. 011`13)(171 `rCp New Balance Minimum Payment Due Account Number ending in 8863 DISCO GR $8,152.43 $161.00 Enter Amount Enclosed Below Payment Due Date 1 September 13, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 18 SCSNSAO1 0012493 MARK WAAAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Text APP to DISCOV' to receive a link to our free mobile app and pay your bip in seconds from anywherel PO BOX 71084 Illrnllnsur lllrrturrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?n?rllnlnrlx?lnxlulxlnrlllluxlalrrlul? nlnlulxlnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319081524 30000000007x6100 Discover More Card Account Summary Owing Dole: August 18, 2009 page 1 of 1 Account number ending in 8863 Previous Balance $7,360.38 'Payment Due Date September 13, 2009 Payments And Credits 150.00 Minimum Payment Due $161.00 Purchases + 0.00 .Credit limit $8,600.00 Cash Advances + 800.00 Crodit Available $447.00 Balance Transfers + 0.00 Cash Credit limit $4,300.00 Finance Changes + 142.05 Cash Credit Availob)e $447.00 New Balance = $8,152.43 Cashback Sonuse Opening Coshback Bonus Balance $ 3.29 New Cashback Bonus This Period + 0,00 Cashback Bonus® Anniversary Month: January Cashba& Bonus Bdance Keep building your rewards with every purchase. Start redeeming once you reoch $20 Cashback Bonus(R). 3.29 How Can We Help You? I . Visit Discovercarn to pay your bdl for no cost, view your latest Account information, earn and redeem awards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.26831 for fast, easy Wfservke Please have your Discover Card available. options or to speak with a Customer Service Account Manager 1 Write us at Discover Card, PO Box 30943, For TDO (assistance For hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use yaw Discover Card with confidence. Trans. Post Date Date Payments and credits Aug 13 Aug 13 INTERNET PAYMENT - THANK YOU $ -150.00 Cash Advances Jul 23 Jul 23 CASH ADVANCE CHECK #1050 800.00 Jul 23 Jul 23 CASH ADVANCE TRANS FEE FINANCE CHARGE 24.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL AN NUAL Periodic Fee Dar a odic Pe CENTAGF PER AGE FINANCE FINANCE ices l ri C1WGE5 dO&A- S current billing period: 31 days Purchases $486,96 0.03901% 14.24% V 14.2A% $5.89 $0 Past Purchases $5483.37 0.04723% 17.24% V 17.24% $80.26 $0 Cash Advances $1494.65 0.06299% 22.99% F 4270% $29.19 $24.00 Balance Transfers $640.14 0.01367% 4.99% F 4.99% $2.71 $0 The rates that apply to your Account are either fixed fl or they may vary (Y1 as noted above Important Information. H there is more than one page to this billing statement, see the back of each page for additional important information. See your CardnemberAgteement. your CardmemberAgreement, wnterms all the terms of your Account. Lost or stolen cards. Report immediately! Ca111.800-347-268 3. 81IBngR-fights Summary. M Case of Errors or Questions About Your &11: If you tank your till is wrong, or if you need more information about a transaction on your bill, write to us on a separa)e sheet of psper at Discover, PO ffox30421, Sat Lake City UT 841304121, as scion as possible. We must hear from you no later than 60 days after we sent you the first NO on which the error or problem appeared. You can telephone us, but doing so will riot preserve your rights, in your letter, give us the following intarmaWn: Your same and Account number. The dollar amount of the suspected error. Describe Ote error and explain, t you can, why you believe We is an error, If you need more information, describe the item you are unsure about You dotnot have to pay any amount in question white we are Irwestgating, but you are still obligated to pay The parts of your bill that are not in question. While we investigate your question. we cannot report you as delinquent or take any action to collect the amount you question, Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services Otat you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and 0th purchase was made in your haute state or MW 100 miles of your mailing address. (It we own or operate the merchant, or if we mated you the advertisement for the goods or service's, all purchases are covered regardless of the amount or location of purchase.) Paym nts. Send only your payment and this lop portion of this statement In the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or b prooess the payment as a check transadnnn. If payment is processed as an etectronie fund transfer, the transfer will be for the amount of the check. Whem we use information from your dock to make an electronic turd transfer, funds rhay be withdrawn from your account as soon as the same day we receive your payment and you wt, not receive your check back from your financial institution. The processing of your payment may be delayed t you send rash, correspondence or otter items with your payment, it you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing taeTity after 5PM local time a be credited to your Account as of the next day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, carol, Stream, IL 60197-6103. Please allow 7-10 days for delivery, if you payment is returned unpaid, we rester m the fight to resubmit It as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cat us at 1-800-3a7-2683. You will need this slatement and your bank account Information. You must ensure that sufficient hinds are a ratathle in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digils? of your account statement 21P code- By entering terse numbers as your electronic signature, you wi be agreeing to this authorization to allow us and your bank to deduct each . payment you authorize from your bank account, and to initiate debt or credit entries to your bank account, as applicable, b cored an error in the processing of such payment. You must lel l us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You ca n cancel a payment however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1.900-347-2683 or by mail at the address listed in the previous paragraph. If your payments vary in amount, we w01 tot you on each monthly statement when you payment will be made and how much it will be. Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the biliino cycle. Creditlteporting, We may report information about your account to credit bureaus. Late payments, rnissed paymerds, or other defaults on your account may be reffecied in your credit report. We nomaily report Ifre status and paymert history of your Account to credit reporting agencies each month. t you believe that our report is Inaccurate of Incomplete, please write us at the loliowirhg address Discover, PO Box 15316, t4%vglon, OF 1985(15316. please Include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all Iransactions from the Transaction Date for the transaction as shown on your billing 4talement unless a transaction is posted to your Account after the close of the Ailing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that Vainsaoun from the frost day of the being period to which it is posted to your Account. We continue b Impose Periodic Finance Charges until the date you pay your entire New Balance, by payments or receiving credits. However, if you paid the New Balance on your previous biting statement by the Payment Due Dale shown on that billing statement and you pay the Balance by the payment Due Date an your current billing statement, we will not hnpose Periodic Finance Charges on new purchases, that is, purchases 9rst appearing on the current billing statement We cat this the 'grace period' Thera is no grace period on balance transfers or cash advances. Minimcm Finance Charge, We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Annu t Fee. NyourAccouht has an annul fee, itim'd be billed at tic beginning of each anniversary year yourAccount is open. The amount of the fee appears on the slatement when the tee is TOW. The annual tee is not refundable unless you notify us that you wish to close your Amount sift 30 days of the mating or delivery date of the statement on which the fee is billed. You will receive this refund even If you use your Card during that period. Periodic Finance Charges. We sort your transactions lime groups of purchases, cash advances, and balance transfers and then fudher sea the transactions within each group by their Aaruat Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as fransatiion categories. At the end of each biting period, we compute balances and Periodic Finance Charges for each day of the billing period W each transaction category. We use the faiii equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in biting period) times (Daily Periodic Rate). (you rr)ay refer to the finance charge sunrrtary on your billing statement for these atrrourits.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic France Charges for yourAcoount. The Average Daily Balanceis shown as zero t, because of the grace period, no Periodic Finance Charges ap* to the balance in a transa;Wn category. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic France Charges. We cornpuEe the Average Daily Balance for each transaction category by adding up all the daily bnarmes in a b8ih9 period for a transaction category and dividing ft total by the number of days in the billing period. We Ire qty balance for each transaction category on each day by krst adding the tpilovdrhg to tae prtwious day's defy i>alance: Iransactioca with a Tfansacton Date of that dayrZa? your b AYng s l be added ho tlans of the ay's daily bola by subtractfirst day of the ed, we consider the'pr0vious day's daily balance' to have been you balance for each Uansacliat category on the last day of your previous titling period. All ahged to your Auots"fare added o the standard purchase transaction category wish the exception of Cash Advarhce Transaction Fee Finance Charges which are added o the bite casts advance Transaction category and Balance Transfer 7ransadfon Fee Finance Chercfes wh ch are added to the applicable balance transfer Uansadion category. When fire rate expires, we crave the utpa d balance d the balance hansferand the Balance Trarrsfer7ransad on Fee Finance Charges b de standard purchase trarhsadon category. However, i(ta special rate has been LeRnirnated under the pefalAt Ra[e section, we leave the upa d balance of the baance Uansfer and tlhe Balance Transfer Transact on Fee F nonce Clergls In the liable f>aiathce transfer trarhsacOon category ertl It a ?edai rate would have erred. For TOO (Telecommunications Device for the Oeaf) assistance, please call 14MO.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The 00 coW card is Issued by r7lscomr Bank, Member FDIC. OI TBK171 DISCOVER 18 SDSN6AOt0012494 MARK WADAS 111 N PENN ST SHIPPENSBURG PA New Balance Minimum Payment Due Account Number ending in 8863 $8,073.67 $16D.00 Enter Amount Enclosed Below 17257-1311 Payment Due Date October 13, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. Text APP to DISCOV• to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO Box 71084 Illrrrlirrrrrrlllrrlrrrrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change In space above, or go to Discover.com. Print your e-mail oddress to InlilIt It rlrI is ilnIt (I iillllurlnlulnllIt lIt lulrlIt If receive important Account information and special offers. DOD0019864580115803Z9080736700000000016000 Discover More Card Account Summary closing Date: September 18, 2009 page 1 of 1 Account number ending in 8863 Previous Balance $8,152.43 Payment Due Date October 13, 2009 Payments And Credits 200.00 Minimum Payment Due $160.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $526.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges + 121.24 Cash Credit Available $526,00 New Balance = $8,073.67 Cashback Bmuse Cashback BonusO Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R(. Opening Cashback Bonus Balance $ 3.29 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.29 How Can We Help You? P 1- Visit Discover.corn to pay your Wl for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service (Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 30943 For TDD (assistance for hearing impaired) see reverse side , , Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date paymenh and credits Sep 10 Sap 10 INTERNE T PAYMENT -THANK YOU $ _200.00 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE fiNAN FINANCE Balances Rates - RATES RATES CHARM AROVS current billing period: 31 days Purchases $492.88 0.03901% 14.24% V 14.24% $5.96 $0 Past Purchases $5564.20 0.04723% 17.24% V 17.24% $81.45 $0 Cash Advances $1632.36 0.06299% 22.99% F 22.99% $31.88 $0 Balance Transfers $463.49 0.01367% 4.99% F 4.99% $1.95 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above. important Information. If there is more then one page to this billing statement, see the backof each page for additional Important information. See your Cardmember Agreement. Your CardmemberAgreement contains all the terms of your Account. Lost or stolen cards. Reportimmediately! Call 1-800.347.2683. Baling Rights Summary. In Case of Errors or Questions About Your Bill; If you Oink your bill is wrong, or H you reed more information about a transaction on your bill, write to us on a separate sheet of psi at Discover, PO Box 30421, Sall Lake City, UT 84130-0421, as soon as possible. We must here from you no later then 60 days attar we am you the first bill an which the error or prom appeared. You can telephone us, but doing so will not preserve your tights. In your letter, give us the following information: Your name and Account tnanber. The dollar amount of the suspected error. Qescribe the am and explain, O you can. why you believe there is an error. If you need more information, describe the Kern you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: if you have a problem with the quality of goods or services that you purchased with a credit rand, and you have triad in good fait to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home stale or within 100 miles of your mailing address. (ffwe own or operate the merchant, or fihwe mafled you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your deck as described above, you authorize us to ute information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. 9Payment is processed as an electronic kind transfer, the transfer will be for the amount of the check. When we use information from your check to make an eiectortc fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not race ive your check bark from your financial institution. Tf he proce ssing of your payment may be delayed if you send cash, correspondence or other items with your payment, 9 you send the payment to any other address or if you use an envelope cover than the one provided. Payments received in proper farm at our processing feclNy, by SPM kcal time on any day will be credited to your Account as of that day. Payments received at our prows" facdily after 5PM local fine will be deckled to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card, Stream, ILWI91-6103. Please allow 7-10 days tot delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debl. You can pay your minimum payment or a greater amount over the telephone, and you ca n set up automats payments. Call us at 1-800.347-2683. You will need this statement and your b rho account information. You must ensure that sufficient kinds are available in your bank account, and all transactions roust comply with U. S. law. You wiil be asked to provide the first S d gns of yowaaoum statement ZIP code. By entering those numbers as yardecba bic signature, you wig be agreeing to this autharzalkin to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit of credit entries to your bank account, as applicable, to correct an error in the processing of such payment You must III us the amount of each payment or you can select an amount such as the rdinimum Payment Due or the New Balance erl each statement. You can cancel a payment; however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1-800-347-2683 or by mail at the address listed In the previous paragraph. If your payments vary in amamt we will fail you on each moody statement when your payment will be made and how much it will be. Your automatic payment amount may be less than indicated on the monthly slalement based on credits or payments applied during the billing cycle. Credit Reporting, We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit repod. We normally report the status and payment history of your Account to credit reporting agencies each narhth. If you believe that our report is inaccurate or Incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 1 9 8 6 0-531 6. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days), We begin to impose Periodic Finance Charges on all transactions from the Transac!ion Date for the transacton as shovm on your bill statement, unless a transaction is posted to yourAocount after the close of the billing period in which it occurs, in which case we begin to 6npose Periodic Finance Charges on that transaction from the first day of the billing period in which t is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance, bu`r,,making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that biting statement and you pay OIe New Balance by the Payment Due Date on your current billing slalemer4 w nw71 not impose Perialc Finance Charges on new purchases, that is, purchases first appearing on the cement billing statement. We call fns the *grace period." There is no grace period on balance Iransfers or cash advances. mimtim Finance Charge, We wile charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than 3.50 would otherwise b imposed. l nnual Fee. If yourAccount has an annual fee, it will be biled at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the ttgge r billed. The annual fee is not refundable unless you neliy us that you wish to close your Accont wninin 30 days of the mailing or delivery date of the statement on which the fee is rod. You will receive this refund even if you use your Carta during that period. thjertodic Finance Charges, We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions with each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as Onsadiort categories. At the and of each billing period, we compute balances and Periodic Finance Charges fa each day of the billing period for each transaction category We use die fgllowing equation to compute Periodic Finance Charges for each transaction category. (Average Daily Balance) times (days In billing period) tines (Direly Periodic Rate). Z n odic refer to the finance charge summary on your billing statement for these amounts.) Then we add Lip the Periodic Finance Charges for each transaction category to get the total nodic Finance Charges for your Account. The Average Daily Balance is shown as zero l because of the grace period, no Periodic Finance Charges apply to the balance in a t i nsaction category. We use theAverege Daily Balance (including new Oansactons) method of calculating the balance upon which we impose Periodic Finance Charges. We conhpu to the Average Daly alarrce fa each transaction category by adding up all the daily balances in a billing period for a transaction category and dividng the total by the number of days in the billing period. e compute the daily balance for each transaction category on each day by first adding the following to the previous days daily balance: transactions with a Transaction Date d that as shown on your biting sh ilement, unless the tra nsact;Dn is posted to youfAccount after ft dose of the billing period in which 9 occurs, in which case the transaction wB be added I the daily balance as of lie first day of the billing period in which k is posted to your Account, tees charged that clay and Periodic Finance Charges accrued on the previous day's daily ce; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of U''ling period, we consider the'pfevlous day's dairy balance" to have been your balance for each transaction category on the last day of your previous biting period. All fees changed to your Amount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the alliplcable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When tae special rate expires, we move the unpaid balance of the balance transfer and the Maw Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, it the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaclion Fee Finance Charges in the applicable balance transfer transaction category until the dal rate would have expired. 11or MD (Telecommunications Device for the Deal) assistance, please call 1400347.7449. Discover may mordor arhdtor record telephone calls between you and Discover representatives for quality assurance purposes. The Discovery card is issued by Discover Bank, Member FDIC. OITBK171: New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $8,509.04 $168.00 Enter Amount Enclosed Below Payment Due Date $ 1 November 13, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 18 SDSN6A01 0012495 MARK wADAS Text APP to D!SCOV' to receive a link to our tree mobile app and pay your bill In seconds 111 N PENN ST from anywhere! SHIPPENSBURO PA 17257-1311 PO BOX 71084 (Ilnsllsnur lllutanlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrl,?l,n?r?r?,I?,n?nlrlnrl?I?r,rln?nin??n rlu?u?n?N?? obove, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319085090 400000000016800 Discover More Card Account Summary Closing Date; October 16, 2009 page 1 of 1 Account number ending in 8863 Previous Balance $8,073.67 Payment Due Date November 13, 2009 Payments And Credits 163.00 Minimum Payment Due $168.00 Purchases + 64.14 Credit Limit $8,600.00 Cash Advances + 400.00 Credit Available $90.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges + 134.23 Cash Credit Available $90.00 New Balance - $8,509.04 Cashback 13muse Opening Cashback Bonus Balance $ 3.29 New Cashback Bonus This Period + Q.16 Cashbock Bonus Balance $ 3.45 Cashback BonusO Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? It's your choice - 3 ways to help Please hove your Discover Card available. For TDD (assistance For hearing impaired) see reverse side 1. Visit Discover corn to pay your bra for no cost, view our latest Account information, earn and redeem rewards and more 2. Call I.800•DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 13 Oct 13 INTERNET PAYMENT - THANK YOU $ -163.00 Cash Advances Oct 7 Oct 7 CASH ADVANCE CHECK #9090 400.00 Oct 7 Oct 7 CASH ADVANCE TRANS FEE FINANCE CHARGE 12.00 Supermarkets Sep 22 Sep 22 GIANT FOOD #061 SHIPPENSBURG PA 6414 010007 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FFNANCE FINANCE Balances Rates RATES RATES _ C HAMS CIiARGE? current billing period: 30 days Purchases $556.80 0.03901% 14.24% V 14.24% $6.51 $0 Past Purchases $5644.89 0.04723% 17.24% V 17.24% $79.96 40 Cash Advances $1829.39 0.06299% 22.99% F 30.55% $34.58 $12.00 :Balance Transfers $290.50 0.01367% 4.99% F A.99% $1.18 $0 'The rates that apply to your Account are eRher fixed (F) or they may vary (V) as noted above. Important Information. If there is more than one page to this tilling statement, see the beck of each page for additional important information. See your Cardmemher Agreement. Your Cardmember Agreement contains all the terms of your Account. last orlsfolen cards. Report pmnnedialely! Call 140.347.2W. 8iffing rphts Summary. In Case of Furors or Questions About Your 86: Nyou think your bill is wrong, or if you need more information about a transaction on your bbl, mite to us on a lepers sheet of paper st Discover, PO Box 30421, Safe Lake City; UT 84130-0421, as soon as possible, We must hear" you no alter than 60 days after we sent you the first bill on which the error or problem appeared, You can telephone us, but doing so mill riot preserve your rights. In your letter, give us the toflwing information: Your name and Account number The dollar amount of the suspected am. Describe the erns and explain, 9 you can, why you believe there is an error. If you need more infomlaihon, describe the tern you are unsure about. You do not have to pay arty amount in question whte we are investigating, but you are still obligated to pay the parts of your bit that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Speeial'Rule for Credit Card Ptarcihasas: If you have a problem witu the quoit ty of goods o services that you purchased wilt a cued t card, and you have tried in good faith to correct the protein with the merchant you may not have o pay the hanaln rig amount due on the goods or senvlces. You have Inds protect on only when Uhe purchase price was more than $50 and fie purchase was made ire your home stale or wltuth 100 m les o! your mailing address. (If we own o operate the merchant, a'rf we real ed yrou the advertisement for fie goods or serv cep, ore purchases are covered negardess of the amount or loco on of purchase.) Payments. Send only your payment and the top portion of This statement in the envelope provided. Oe not send cash. By sending your check as described above, you authorize us to use information on your check o make an eiectronlc fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. if payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. and you will not receive your check back torn your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided, Payments received in proper form at our processing facility by 5PM local time on any day will be ored'^,ed lo yourAccount as of that day. Payments received at our processing factty after 5PM local lime will be credited to yourAccount as of Vic nex! day. If you have mlsplacW your envelope, send your payment to Discover, PO Box 6103, Carol, Stream, IL 601976103. Please allow 7-10 days for delivery. If your payment is relumed unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1.800347-2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transaclions must comply with U.S:taw. You will be asked to provide the first 5 dngts of your account statemam ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to int!iate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must tell us * amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statemert. You can cancel a payment however we must receive notice at least twee business days in advance of the scheduled payment, You may notify us by phone at 1.800347-2683 or by mail at the address listed in the previous paragr*lh. If your payments vary In amount, we will tell you on each monthly statement when your payment will be made and tow much it 4 be, Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied dump the billing cycle. Credit !noting. We may report information aboutyaur account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. normally report the stalks and payment history of yourAccont to credit reporting agmtdes each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, OE 19850.5316. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transacion Date for the bansacion as shown on your billing statement unless a transaction is posted to yourArcount after the dose of the billing period in which k occurs, in which case we begin to impose Periodic Finance Charges on that, Iansac?ior from the first day of the bSing period in which ft is pasted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance, by mac! h i payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shave on that billing sladlement and you pays Irte Neal Balance by the Payment Due Date on your current bil ing statement, we will not it pose Periodic Finance Charges on new purchases, that is, purchases first appearing on the curtentldAing statement We cap this the *grace perod-' There is no grace period on balance transfers or cash advances Mintmym France Charge, We will charge you a minimum FINANCE CHARGE of $,50 for any bang period in which Periodic Finance Charges of less than $.59 would otherwise be imposed. Annual Fee. K your Account has an annual fee, it will be trilled at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee Is bitted. The annual tee is not refundable unless you notify us that you wish to dose yourAocount w%n 30 days of the mailing or delivery date of the statement on which the fee is tilted. You will receive !fits refund even If you use your Card during that period. Periodic Finance Charges. We sot your transactions into 9ro0ps of purchases, cash advances, and balance transfers and then further sort the Imnsactons witihin each group by their ynual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period. we compute balances and periodic Finance Charges for each day of the biting period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in biting period) times (Daily Periodic Rate). (You may refer to the finance charge summaryon your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges or yaaAMnL The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance In a Iansaclion category . We use the Average Daily Balance (indWirg now transactions) method of calculating fie balance upon which we Impose Periodic Finance Charges. We compute the Average Daily Balanc? for each transaction category by adding up at the dally balances In a billing period for a transaction alegory and dividing the total by the number of days in the billing period. We eo rpute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balarw transactions with a Transaction fate of that day as shown on your biting statement, unless the transaction is posted to your Account alter the close of the billing period in which It occurs, in which case the transaction will be AM to the daily balance as of the fist day of the tilling period in which ft is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the preWos days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction allegory on that day. In catculating the dally balance for the first day of the bring period, we consider the 'previous days daily balance" to have been your balance for each "maetion category on the last day of your previous billing period. All feel charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction F-ee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expkes, we move the unpaid balance of the balance transfer and the Balance Transfer Transacton Fee Finance Charges to the standard purchase transaction category. Ho , if the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges !n the applicable balance transfer transaction category until the special rate would have expired. For TOD (Telecommunications Device for the Deaf) assistance, please call i•M347-7449. Discover my monitor andldr record telephone calls between you and Discover representatives for quality assurance purposes. The Discovers card is issued by Discover Bank, Member FDIC, 01 TB)(171 I New Balance Minimum Payment Due DISCOVER Account Number ending in 8863 $8,471.59 $167.OD Ender Amount Enclosed Below Payment Due Dare $ December 13, 2009 Please make check payable to Discover Card or pay online Discovercard.com. 18 SDStV8A01 0072486 Text APP to DISCOV" to receive a link to our MARK WADAS free mobile app and pay your bill in seconds 111 N PENN ST from anywttereI SHIPPENSBURG PA 17257-1311 PO BOX 71084 lflrrrllnun lllnlnulll CHARLOTTE NC 28272-1084 Address, email or telephone change; Print change in space Irr1rl1rn111111HrrIIrIII III rllllrtIII rlnlull rrlrrlrilr111 11 ve, or go to Mocaver.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319084715 900000000016700 Discover More Card Account Summary Closing Date: November 18, 2009 page 1 of 1 Account number ending in 8863 Previous Balance $8,509.04 Payment Due Date December 13, 2009 Payments And Credits - 170.00 Minimum Payment Due $167.00 Purchases + 0.00 Credit limit $8,600.00 Cash Advances + 0.00 Credit Available $128.00 Balance Transfers + 0.00 Gash Credit Limit $4,300.00 Finance Charges + 132.55 Cash Credit Available $128.00 New balance = 8,471.59 Cashback Bonuse Opening Cashback Bonus Balance $ 145 New Cashback Bonus This Period + 0.00 Cmhbock BonusS Anniversary Month: January Cashback Bonus Balance 3.45 building your rewards with every ose. Start redeeming once you reach :ashback Bonus(R). ! I . visit Discovercon to pay your b8 for no cost, view your How Can We lieP YOUR West Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trani, Post Date Dare Payments and Credits Nov 13 Nov 13 INTERNET PAYMENT - THANK YOU $ -170.00 'Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balcim Rates RATES RATES CRAM CHARGES current billing period: 31 days Purchases $569.95 0.03901% 14.24% V 14.2A% $6.90 $0 Past Purchases $5724.95 0.0,4723% 17.24% V 17.24% $83.80 $0 Cash Advances $2115.37 0.06299% 22.99% F 22.99% $41.31 $0 Balance Transfers $129.87 0.01367% 4.99% F 4.99% $0.54 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above Important information. if Im is more than one page to ft tilling statement, see the back of each page for additional important inlormarlon. See your Ca rdmemberAgreement. Your CArilmembee Agreement contains all the terms of your Account. Lost or stolen cards. Report immeift"! Call 1.800.347-2683. Boling Rights Summary. In Case of Errors crQueslions About Your Bill; if you think your bill is wrong, or if you need more information about a transaction on your bell, mite to us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake Oq,, LIT 84130-0921, as soar as possible. We most hear from you no teter tharh 60 days after we sent you the first bell on ; which the error or problem appeared. You can telephone us. but doing so will not preserve your rights. In your teller, give us fie following information: Your name and Account ntunber. The dollar amount of the suspected error. Dena be the error and explain, t you can, why you believe there is an error. If you need more information, describe the lent you are unsure about. You do not have to pay any amount in question while we are investigating, but you are sill obligated to pay the parts of your bell that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quali of goods or services that you purchased with a credit card, and you have tried in good kith to cored the problem with the merchant you may not ban to pay the remaining amount dtle an the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home stale or within 100 mites of your risen address. 0f we own or operate the merchant or ffwe mailed you the advertisement for the goods or . services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash, By sending your check as described above, you authorize us to use information on your check to make an electronic kind transfer from yea account at the fnanccial institution Indicated on your check or to process the payment as a check transaction: it;nayment is processed as an electronic fund transfer, the trarsfer wet be for the amount of the check. When we use information from your check to make an electronic fund transfer, - funds may be wilhdrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. The processing of your payment may be delayed If you send cash, correspondence or other items with your payment l you send the payment to any other address or it you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility alter 5PM local time will be credited to your Account as of the next day, if you have misplaced your envelope, send your payment to Discover, PC Box' 6103, Carol, Steam, IL 60197-6103. Please slow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set try automatic payments. Cal us at 1.800.347.2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions, must comply with U.S. law. You will be asked to provide the fast 5 digits of your account statement ZIP code. By entering those numbers as youreladronic signature, you hovel be agreeing to this authorization to alavus and your bards to deduct each payment you anlhote from your battik account, and to initiate debit or credit entries to your bank account as applicable, to correct an error in the processing of such payment You must tql us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a PaYmern however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1-BM-347-2683 or by mail at the address listed in the previous paragraph. If your payments vary in amount, we will tell you on each monthly statement when your payment will be made and how much it will be. Your automatic payment amount may ba less than indicated on One monthly statement based on credits or payments appled during the bating cycle. . Credit Reporting. We may repel information aboutyour account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally repot the stolus and payment history of yotr Account to credit reporting agendas each month If you believe that our report is inaccurate or Incomplete, please write us at the following address Discover, PO Box 15316, Wiiminglodh, DE 19850.5316. Please include your name, address, home ketepthone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your billing statement unless a transaction is posted to your Aocourd after the dose of the biding period in which d occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the lust day of the billing period in which t is posted fo your Account We contnue to impose Periodic Finance Charges until the date you pay your entire New Balance, by making payments or raceivkg credits. However, l you paid the New Balance on your previous billing statement by lte Payment Due Date shown on that billing statement and you pay the New Balance by the Payment Due Date an yaw current ailing statement, we wet no impose Periodic Flamm Charges on new purchases, Mat's, purchases first appearing on the current bBirg statement. We cal ties the -grace period' There is no grace period on balance transfers or cash advances. Minimum Finance Charge, We will charge you a minimum FINANCE CHARGE of $-50 for any being period in which Periodic Finance Charges of less then $.50 would otherwise he imposed. T nua] Fee. It your Accwnl has an annual fee, itwil be billed at the beginning of each anniversary year yourAcruunt is open. The amount of the fee appears on the statement when the is biled. The annual fee is not refundable unless you notify us cwt you wish to dose yourAccount within 30 days of the mailing or delivery date of the statement on which the tee r, billed. You will receive this refund even if you use your Cent during that period. Pjeriodic Finance Charges. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by hheir Annual Percentage Role. For example, purchases subject to a promotional rate and purchases subject to a standard ran would be separate groups. We refer to these groups as transaction categories. At the and of each billing period, we mmpule balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) tines (Daily Periodic Rate). (you may refer to the finance charge summary on your belting statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for yourAcroornt. The Average Daily Balance is shown as zero If, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use theAverage Daily Balance (including new transactlom) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Ave" Daily Balance for each transaction category by adding up all the daily balances in a tiling period for a transaction category and dividing the total by the number of days in the billing period. We compute the daily balance for each transactor category on each day by AM adding the fallowing to the previous day's daily balance: transactions with a Transaction Data of that day as shown on your 6elfng statement unless the transaction's posted to your Account after the close of the bil6rhg period in which it occurs, in which case the transaction WE be added to the daily balance as of the first day of the blfehg period in which it is posted to your Account, fees charged that day and Periodic Finarm Charges accrued on the previous day's daily glance; and by On subtracting any credits and payments 0nat are applied against the balance of the transaction category on that day, In calculating the daily balance for the first day of the baling period, we consider the'previous days daily balance to have been your balance for each transaction category on the last day of your previous blling period. All fees charged to your Account are added to the standard "dim transaction category with the exception of Cash Advance Transaction Fee France Charges which are added to the tthn?¢e z Iicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When special rate eV res, we move the unpaid balance of the bat im banisher and The Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. ver, if the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance t(vve» In the applicable balance transfer transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, please call 1400.3474449. Discover may manila and/or record Wellwrhe calls between you and Discover representatives for quality assurance purposes. The Discover' card is issued by Discover Bank, Member FDIC. OlTBK171 New Balance 5 34 DISCOVER Minimum Payment Due 00 $165 9.9 $8, . Payment Due Date January 13, 2010 18 S0SN6A01 0012497 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1511 Account Number ending in 8863 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card or pay online 0 Discovercard.com. Text APP to DISCON to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458011580319083499500000000016500 Discover More Card Account Summary Closing Date: December 18, 2009 page 1 of 1 Account number ending in 8863 Previous Balance $8,471.59 Payment Due Date January 13, 2010 Payments And Credits - 250.00 'Minimum Payment Due $165.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $250.00 Balance Transfers + 0.00 Cash Credit Limit $4,300.00 Finance Charges. + 128.36 Cash Credit Available $250.00 New Balance 8,349.95 Cashback Bonuse Opening Cashback Bonus Balance $ 3.45 New Cashback Bonus This Period + 0.40 Cashback BonusO Anniversary Month: January Cashback Bonus Balance $ 3.45 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). 1. Visit Discovercom to pay your bill for no cost, view your How Can We Help You.? . latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fort, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired( see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dais Date Payments and Credits Dec 8 Dec 8 INTERNET PAYMENT - THANK YOU $ -250.00 Finance Charge Summary Nominal Transaction ?e Daily ANNUAL ANNUAL Periodic Fee DDaily is PERCENTAGE PERCENTAGE FINANCE FNANCE B es Rates RATES RATES GtiARGt? CftARGES current billing period: 30 days Purchases $576.77 0.03901% 14.24% V 14.24% $6.75 $0 Past Purchases $5708.69 0.04723% 17.24% V 17.24% $80.86 $0 Cash Advances $2156.39 0.06299% 22.99`Ye F 22.99% $40.75 $0 Balance Transfers $0.34 0.01367% 4.99% F 4.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as rioted above. Important information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your CardmemberAgreerrmt, Yore CardrierrrberAgreemen! contains all the terms of yourAccount. Lost of stolen cards. Report immediately! Call 1.800.347.2683, Billing Rights Summary. In Case of Errors or Questions About Yaw Bit If you thank your bill Is wrong, or if you need more Information about a transaction on your bill, write to us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the fast bit on . Wlcvh the error or problem appeared. You can telephone us, but doing so will not preserve your HA, In your leW give us the totbi ing infomtal in: Your name, and Account nurnber. The dollar amount of the suspected error. Deso* rte error and explain, d you can, why you believe there is an error. It you need more information, describe the item you are unsure about. You do not have to pay any amount in question while vie are investigating, Ma you are 9011 obligated to pay The parts of your hill that are not in question. Wide we investigate you question, we cannot report you as delinquent or take any action to cow the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good falh to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and Ore' purchase was made in your home state of within 100 miles of your mailing address. (if we own or operate the me(chant, or ri we mated you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments, Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize W to use information on your check to make an electronic fund transfer from your account at the financial insfrhutim Indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, he transfer vdl be for the amount of the check. When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or 1 you use an envelope other than the one provided. Payments received in proper forth at our processing facility, by 5PM local time on any day wig be credited to yaw Account as of that day. Payments received at our processing facility after 5PM local time wig be credited to your Account as of the next day. 9 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. 9 your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay yaw minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-347-2683. You will creed this slalemend and your bank account information. You must ensure that sufficient funds are available in your bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 66% of your account statement LP code. By erHering those rxmmbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you eu8arize from your band account, and to inflate debit or credit entries to your bank account, as applicable, to correct an anon in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment, however we must r jteive novice at least three business days in advance of the scheduled payment. Yov may rwfityiu by phorie at 1-800-347.2683 or by mall at the address listed In the previous paragraph. If your payments vary in amount, we will tell you on each monody statement when your payment will be made and haw much it will be, Your automatic payment amount may be less then indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Repottng. We may report information aboutyour account to credit bureaus. Late payments, missed payments, or other defauh on your account may be relleeted in your credit report, We normally report tie statrrs and payment history of yourAccownt to credit reporting agencies each month. It you believe that our report's inaccurate orincomplete, please write us at the folowing address: Discover, PO Box 15316. WNninglon. DE 19850-5316. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from line Transaction Date for the transaction as shown on your biting gtatement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the tiling period in which it is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance, bymalling payments or receiving credits. However, l you paid the New Balance on your previous billing statement by the Payment Due Date shown on that baling statement and you pay One New Balance by the Payment Due Date on your current billing statement, we wig not impose Periodic Finance Charges on new purchases, that is, purchases frst appearing on the current biting stalement. We cal this the 'grace period' There is no grace period on balance transfers or cash advances. Minimum Finarme Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any biting period in which Perodle Finance barges of less than $.50 would otherwise be imposed, Annual Fee. If your Account has an annual fee, II will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is bled. The annual fee is not refundable unless you notify us that you wish to close yourAccount within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even 4 you use your Card during that period. Periodic Finance Charges. We sort your trarnsac0o ns into groups of purchases, cash advances, and balance transfers and than further son the transactions within each group by theirAmnual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categodes. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the biting period for each transaction category. We use he following equation to compute Periodic Finance Charges for each transaction category. (Average Daily Balance) times (days in billing period) fires (Daily Periodic Rate). (You may refer to the frrance charge summary on your biting statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account, The Average Daly Balance is shown as zero if, because of the grace period. no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (Including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daly Balance for each transacloncalegory by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number d days, in the billing period. We corripute the dally balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day asishown on your billing statement, unless the transaction is posted to your Account after the close of the bring period in which it occurs, in which case the transaction will be added to the daily balance as of the fast day of 6* bAng period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing pedod, we consider the *previous days daily balance to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rata expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, 9 the special rate has been terminated under to Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Firance Charges in the applicable balance transfer transaction category until the special fate would have expled. For TDD (Telecommunications Device for the Deai) assistance, please call 1.880-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoherscarel is Issued by Dscover Bank, Member FDIC. OMK171 DISCOVER New Salanca Minimum Payment Due Account Number ending in 8863 $8,181.70 $164.00 Enter Amount Enclosed Below Payment Due Date $ February 13, 2010 Please make check payable to Discover Card or pay online o Discovercard.com. 18 SCSNBA01 0012438 MARK WADAS Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds 111 N PENN ST from anywheret SHIPPENSBUR6 PA 17257-1311 PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?n?r??n?nr?r??nn?n?r?nn????ur)u)n)n)?n )u)n?n)rn)) above, or go to Discovercom. Print your e-mail address to receive important Account information and special offers. 000001986458011580319081817 000000000016400 Discover More Card Account Summary Closing Date: January 18, 2010 page 1 of 1 Account number ending in 8863 Previous Balance $8,349.95 Ppyment Due Date February 13, 2010 Payments And Credits 300.00 (Minimum Payment Due $164.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $41 S.00 Balance Transfers + 0.00 Cash Credit limit $4,300.00 Finance Charges + 131.75 Cash Credit Available $418.00 New Balance $8,181.70 Cashback BonuSe Opening Cashback Bonus Balance $ 3.45 New Cashback Bonus This Period + 0.00 CashbadcBonus Balance $ 3.45 Cashback Bonus* Anniversary Month: January Keep building your rewards with every urchase. Start redeeming once you reach 20 Cashback 8onus(R). Help You? 1. Visit Dfscovercom to pay your 691 for no cost, view our How Can We He latest Account information, earn and redeem rewards and more Ctrs your choice ` 3 ways to help 2. Call I.80(=COVER {347--2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liabilify Guarantee Use your Discover Cord with confidence. Trans. Post Payments and Credits Jan 1 Jan 1 INTERNET PAYMENT - THANK YOU $ -300.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dojly Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES 4}JARGES C}1AR015 current billing period: 31 days Purchases $583.67 0.03901% 14.24% V 14.24% $7.06 $0 Past Purchases $5457.06 0.04723% 17.24% V 17.24% $79.88 $0 Cash Advances $2199.12 0.06573% 23.99% V 23.99% $44.81 $0 Balance Transfers $0 0.01367% 4.99% F 4.99% $0 $0 The rates that apply to your Account are either fixed fl or they may vary (V) as noted above. Important Infomhation. If there is more than one page to this biting statement, see the back of each page for additional important Information. See your CardmemberAgreement, Your Cardmernber Agreement contains all the tens of your Account. Lost urstolen cards. Report ownediatelyf Cal 1.80@-347.2683. Billing Rights Summary. In Case of Errors or Questions About Yax M: If you think your bill is wrong, or if you need more information about a transaction on your loll, write to us on a saparets sheet of paper at Discover, PO Box 30421, Sall Lake City, UT 841304421 as soon as possible. We must hear from you no haler titan 60 days after we sem you the first bill on which the error or problem appeared. You can telephone us, but doing so will nol preserve your nighls. In your teller, give us the folavirg information: Your name and Account number. The dollar amount of tie suspected error. Describe the error and explain, if you can, why you believe there is an error. I you need more Information, describe the item you are unsure about. You do rat have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bid that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Sppclal Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the tap portion of this statement in the envelope provided. Do not send rash. By sending your check as described above, you authorize us to use information on yourchectt to make an electronic fund transfer from your account at the finarhcial Institution Indicated on your check or to process the payment as a check transaction: It payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from you account as soon as the sane day we receive your payment, and you wiI not receive your check back from your imancial institution. The processing of your payment may be delayed if you send cash, correspondence or other items vnlh your payment, if you send the payment to any other address or if you use an emetope other than line one provided. Payments received in proper form aloe processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processi:g facility after SPH kcal time will be credited io your Account as of tie rexi clay. If you have misplaced your envelope. send your payment to Discover, PO Brix 6103, Carol, Stream, IL 60197 -6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve Me fight to resubmit A as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. CAN us At 1-800-347-2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U. S. law. You will be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to aloes us and your bank to deduct each payment you authorize from your bank account, and to innfiale debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must tie$ us the amount of each payment or you can select an amount such as the AGrimum Payment Due or the New Balance on each statement. You can cancel a payment; however we must receive notice at least three business days in advance of the scheduled payment. You may notty us by phone at 1.800347-2683 or by mad at the address listed in the previous paragraph. If your payments vary in amour, we wiN tell you an each monthly statement wheat your payment will be made and haw much k will be. Your automatic payment amount may be less than indicated on the monUdy statement based on credits or payments applied during the biting cycle. Ctedk Reporting. We may report information about your Accent to credit bureaus. Late payments, missed payments, or other defau is on your account my be reflected in you credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. It you believe thatour report is Inaccurate or ioconlplete, please write us at the following address: Discover, PO Box 15316, Wlnington, DE 19650-5316. Please include your name, address, hone telephone number and Aowunt number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the billing period in wtk h it is posted to your Account. We continue to impose Periodic Finance Charges until rite date you pay you mike New Balance, by making payments or receiving credits. However, tyou paid the New Ba arce on your previous biding statement by the Payment Due Date shown on that tiling slatetment and you pay the New Balance by the Payment Due Date on your cement billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement We call ft the *grace period' There is no grace period on balance transfers or cash advances. Knimumr Finance Charge. We will charge you a minimum FINANCE CHARGE of 550 for any biting period in which Periodic Finance Charges of less than 8.50 would otherwise be imposed. Annual Fee. If your Account has An annual fee, it will be billed at the beginning of each anniversary year your Account is opm. The amount of the fee appears on the statement when the fee is billed, The annual tee is not reMmdatte unless you notify us that you wish to close your Account within 30 days of the mating our delivery date of the statement on which the fee is blied. You will receive this refund even l you use your Card during that period. Periodic Finance Charges. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sat the transaction within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. Al the end of each biting period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) tines (days in biding period) trees (Daily Periodic Rate). Nu may refer to the finance charge summary on you billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for yourAceount The Average Dally Balance is sham As zero If, because of the grace period, no Periodic France Charges apply to the balance in a transaction category. We use the Average Daly Balance (including new tramsacfans) method of calculating the balance upon which we impose Periodic Finance Charges, We compute the Average Daily Balance for each transaction category by adding up aO the daily balances in a tiling period for a trarsadan category and dviding line WIN by fine member of days in the biding period. We cornpute the daily balance for each transaction category on each day by first adding the bilowing to the previous days daily balance: transactions with a Transaction Be* of that day as shown on your billing statement, unless the transaction is posted lo yourAccamt after the close of the billing period in which it oars, in which case the h msadbn will be added to the daily balance as of the fast day of the billing period in which it is posted to your Account, fees charged quit day and Periodic Finance Charges Kc ued an the previous day's daily balance,, and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the dally balance for the first day of the boring period, we consider the "previous day's daily balance to have been your balance for each transaction category on the last day of your previous killing period. A6 fees charged to your Account are added to the standard purchase transacticrh category with the exception of Cash Advance Tmnsac8on Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rte has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deal) assistance, please cat 1.800447.7449. Discover may monitor andfor record telephorla calls between you and Discover representatives for quality assurance purposes. The Discover card is issued by Discover Bark, Member FDIC. OITBK171 New Balance Minimum Payment D DISCOVER $8,063.05 $162.00 Account Number ending in 8863 Enter Amount Enclosed Below Payment Due Date $ V? March 13, 2010 please pay online 0 www.Di3cover.com or make check payable to Discover. 18 SDSN6A01 0012498 MARK WADAS Text APP to DISCOV' to receive a link to our free 111 N PENN ST from anyywherrel and pay your bill in seconds SHIPPENSBUR6 PA 17257-1311 PO BOX 71084 Illrrsllrrrrrrlllsrlrrrrll! CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Irrlrllnlurlrllurlnltlurllllurlulnlnllnlnlrtlrlrrll Go to www.Discover.com or print change in space above. 000001986458011580319080630500000000016200 vary 18, 2010 page of 2 Opening Date: January 19, 2010 - dosing Date: Febl Discover More Card Account Summary Account number ending in 8863 Previous Balance $8,181.70 Payments And Credits 250.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 131.35 Other Fees t + 0.00 New Balance 8,063.05 See Finance Charge Summary section following transactions for detailed APR information Credit Line $8,600.00 Credit Line Available $536.00 Cash Advance Credit Line $4,300.00 Cash Advance Credit Line Available $536.00 tSee transaction detail for a description of any Fees charged. Cas bat Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 3.45 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.45 To learn more, log in at www.Disc*ver.com and select Rewards 3 Easy Ways to Contact Us 1. Access your account securely at www.Discowr.com 2. Call 1.800•DISCOVER (1-800.347.2683) Please have your Discover®card available 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 - For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. Payment Information New Balance $8,063.05 Minimum Payment Due $162.00 Payment Due Date March 13, 2010 Late Payment Wamirg: 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 19.24% 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: Only the minimum 10 years $14,662 payment $295 3 years 1 10,626 ) (Savings -I A 036 If you would like information about credit counseling services, call 1.800-347.1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to down your balance, securely access statements, pay bills online and easily track all 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 Transactions Tans rD Payments and Credits Feb 13 Feb 13 INTERNET PAYMENT - THANK YOU $ -250.00 See reverse side. DIr/?+rISVER t Fmportatil fnformation. it there is more Than one page to Ns billing stalement seethe back of each page for additional important information. See your Cardmember Agreement. Your CaWrrjpniber Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1400-347-2681 Nfing (Rights Summary. in Case of Errors or Quesbas Abort Youf ft(( you think your bat is wrong, or if yaw treed more idorrnallon about a transaction on your bill, write to us on a separate sheet of paper at Discover, PO Box 30421, Sall Lake City, UT 84130-0421; as soon as possible. We must hear from you no We than 60 days after we sent you the fast bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your, teur, give as the following informatior'. Your shame and Accam number. The 01ar anctim of the suspected error. Despibe the error and e)ephln, if you can. why you believe there is an error. If you need more information, describe the den you are unsure about. You do not have to pay any amount in question while we am investigating, but you are shill obligated to pay the pans of your bat that are not in question. White we investigate your question, are cannot report you as delinquent or We any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the guatayof goods or senses that you jour hased cold'! a credit card, and you have tried in good NO to correct the p"Itim with the merchant, you may rot have to pay the remaining amount due on the goods or services. You have this protection only when the purchase trice was more than $50 and the;purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or a we malted you the advertisement for the goods or services, all purchases are covered regardless of the amount or location, of purchaso,) Payments. Send only your payment and the tap portion of this statement in the envelope provided. Do not send cash. By sending yoxx check as described above, you auborite us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check fransadon. a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use inern malion from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form atow processing facility by 5PM boat time on any day will be credited to your Account as of that day. Payments receivetl at our processirxd facility otter 5PM ", lime valh, becredited to ymrAccrunt as el the next cay. If you have misplaced your en eW., seas yrr r myn-rit o Discover, PC Box 6103, Carol Stream, IL 80197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve Hie right to resubmit it as an electrhG debit. You can pay your miurenum payment or a greater amount over the telephone, and you can setup automatic payments. Cat us at 1.80(F347.2683. You will need this statement and your bank account information. You must ensure Nat sufficient fonds are available in your bank account, and at transactions must comply vrith U.S. law. You will be asked to provide the first 5 dgits of your account slalemment ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deckrct each payvmeryr you authorize from your bank account. and 0 initiate debit or credit entries to your bank account as applicaW to correct an error in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the Mirdmum Paymen t Due or the New Balance on each statement. You can cancel a payment; however we must receive notice at least three business days in advance of the scheduled payment You may rat ly us by phone at 1800-347-2683 or by mail at the address listed in the previous paragraph. If your payments vary in amount, we wall tell you on each monthly statement when your payment will be made and how much it wit be. Your automatic payment amount may be less',than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report lie status and payment history of your Account to credit reporting agencies each month. 9 you beferve that Our report is Inaccurate or mcomglek, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at (east 25 days). We bego to impose Periodic Finance Charges an all transactions from the Transaction Date for the transaction shown on your bdlirw statement unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on th at transaction from the first day of the baling period in which it is posted to your AuxaunL We continue to im prm Periodic Finance Charges until the date you pay your entire New Balance shown on your biWng statement by making payments or roceitinga credits. However, 4 you paid the New Batance on your previous billing statement by the Payment Due Date shown an thathal ng slatem nf, we wit not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current baling statement. We call this the gram period.' There is no grace period on balance bansfers or cash advances. As more fully described in the section of your Cardmember Agreement tilled Now We Apply Payments: wo generally apply payments to your Account based on the Annual Percentage Rate applicable to the balance of each transaction category. This means th at if you do not pay the New Balance on tine current bkling 9Warrant by the Payment Due Data shown on that billing statement then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchases. Minimum Finance Charge. We wit charge you a minimum FINANCE CHARGE of $60 for any billing period in which Periodic Finance Charges of less than $.50 would olherw9se be imposer!. Annual Fee. It your Account has an annual fee, a wit be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee's billed. The annual feo is not refundable uness you notifj us that you wish to eese your Acco mt v itivn 339lo=ws of tiro Wa**.q ? dr;,:" date et the sWenhwit on w ch the tee r billed. You will receive this refund even if you use your Card during that period. Periodic Finance Charges. We sod your transactions into groups of purchases, cash advances, and balance transfers and then further sort Na transactions within each group by their Annual Percentage Rate. For example, purchases subject to a Prcmmotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each b10ing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaarxion category. We use the follovft equation to compute Periodic Finance Charges for each transaction category. (Average Daily Balance) times (days in baling period) titTu (Daily Periodic Rate). You may refer to the Finance Charge Summary on year bating statement for these amounts. Then we add up fie Periodic Finance Charges (or each transactim category to get the total Patriotic Flnance Charges for your Account. The Average Daly Balance is shown as zero 9, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 11365th of the corresponding Annual Percentage Rate. We use theAverage Daily Balance (including new tramuaciions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance fox each hansac en category by adding tip all the daily balances ih a baling period (or a aansactian category aril dividing the total by the number of days in the tilting perod. We compute the daily balance for each barrsacton category on eadi day by first adding the following to the previous day%daily balance: transactions with a Transaction Date of Nat day as sham on your baling statement, unless the transaction Is posted to your Account after the close of thc baling period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the baling period it which it's posted to your Account. fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; anti by then subtracting any craft and payments that are applied against the balance of the l ansac6on category on that day. In cakulating the daffy balance for the fusl day of the biting period, we consider the "previous days daily balance to have been your balance for each transaction category on the last day of your previous baling period. Ali fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to cone applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. For TM (Telecommunications Device hot the y)eaf) assistance, please call 1.800.347.7449- Discover may monitor "or record telephone calls between you and Discover representatives for quality assurance purposes. 02010 The DiscowirO card is issued by Discover Bank, Member FDIC PA0210 r DISCOVER It pugs to MARK WADAS A DISCOVE R cco unt number endin g in 8863 page 2 of 2 Finance Charge Summary Nominal er F Average Daily ANNUAL ANNUAL Periodic F ee current billing period: 31 days Daily Baia nc s Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE Cf1ARGES FINANCE CHARGES Purchases $559.01 0.03901% 14.24% V 14.24% $6.77 $0 Post Purchases $5,410.26 0.04723% 17.24% V 17.24% $79.19 $0 Cosh Advances $2,227.70 0.06573% 23.99% V 23.99% $45.39 $0 bglance Transfers $0 0.01367% A.99% 4.99% $0 $0 V = Variable Rate lhhformation For You Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing statement. Questions? Visit www.Discover.com or Call 1-800-DISCOVER (1-800-347-2683). DISC*VEI New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $8,005.36 $161.00 Enter Amount Enclosed Below Payment Due Date April 13, 2010 Please pay online 0 www.Di3coyer.com or make check payable to Discover. 18 SDSN6A01 0012500 MARK WADAS 111 N PENN ST SHIPPENSBUR6 PA 17257-1311 Address, e-mail or telephone change? ' Go to www.Discwier com or print change in space above. Text APP to DISCOV" to receive a link to our free mobile app and pay your bill in seconds from anywhere I PO BOX 71084 Illrnllu,u,lllnlunll? CHARLOTTE NC 28272-1084 I1111 111111111111 1111111rirrJ1Ilr1Jr,6r6rllnlnl„Iilnll 000001986458011580319080053600000000016100 rch 18, 2010 page 1 of 2 Opening Date. February 19, 2010 - Closing Date: Mc Discover More Card Account Summary Account number ending in 8863 Previous Balance $8,063.05 Payments And Credits 175.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 117.31 Other Fees t + 0.00 New Balance 8,005.36 See Finance Charge Summary section following transactions for detailed APR information Credit Line $9,500.00 Credit Line Available $1,494.00 Cash Advance Credit Line $4,300.00 Cash Advance Credit Line Available $1,494.00 t See transaction detail for a description of any fees a,aarrwcrc ovnua Anniversary Month January Opening Cashback Bonus Balance $ 3.45 New Cashback Bonus This Period + 0.00 CashbadcBonus Balance $ 3.45 To loam mare, log In at wwwAiscovercom and select Rewards 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call i-800-DISCOVER 11.800347-268Please fiave your DiscoverO card available. 3. Write to us of Discover, PO Box 30943, Sah Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449. Payment Information New Balance $8,005.36 Minimum Payment Due $161.00 Payment Due Dale April 13, 2010 l.Ats 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 $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 19.24% variable. Minimum Payment Warming: 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 31 years $37,411 payment $293 3 years 10,56 IS-vings - $26,847) If you would like information about credit counseling services, call 1.800.347.1121. Manage Your Account online at www.Wiscover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morel-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Mar 13 Mar 13 INTERNET PAYMENT -THANK YOU $ -175.00 See reverse side. DISC*VER Important Information. H there is more than one page to this billing statement, we the bade of each page for additional important information. See your Cardmember Agreement. Your CardmemberAgraernent cometris all the terms of your Account. Lost or stolen cards. Report immadialelyi Cali 14003472683, Billing Rights Summary. In Casa of Errors or Questions About Your Bit: If you thirds your fill is wroq, or if you need Hare information about a Irar>sadian on your bill, write to us on a seperat9 sheet of paper at Discover, PO Box 30421, Sat Lake City,. UT 84130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the fast bit on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In yaw Peter, gore us the following infoorhaGon: Your row and Accow number, The dP ar amount of the suspected error. Describe the" and explain, if you can. wily you believe there is an error. It you need more information, describe the item you are unsure about. You do not have to pay any smour t in question while we are investigating, but your are Of obligated to pay the parts of your hill fiat are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a ptotuern w th the Quai ty of goods or savkes that you purcfiased with a credit card, and you have tr ed in good Eaith fo correct the probem w th the nhnwcharhl you may Heir have ro pay the remaining amount due on the goods o sere ces You have this p election only when the purchase price was more than $50 and the purchase was made in your (tome state or t®Ihin 100 riles of your ma ing address. (t we rnm or operate the mercharnt, or f we marled you t e advettisemerhtia t e goods or services, at purchases are covered regardless ? tlhe artount or location of purchase.} Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicted on your check or to process the payment as a dria& transaction If payment is processed as an electronic fund transfer, the transfer wit be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day vie receive your payment: aryl you will not receive your check bade train your financiai institution- The professing of your payment may be delayed if you send cash, correspondence or other items with your payment, it you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by SPht tocai time on arty day will be credited to your Account as of that day. Payments received at our processing facility after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, tarot Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resabnut A as an eleckonk debit. You can pay your m in mum paymani or a greater amount owsr the telephone, and you can set up automat c payments. Callus at 1-800-347-2683. You w ll need this statement and your bank ac?wunt information. You must ensure that sut?ienl herds are available in your bank account, and at Transact errs must comply with U.S. law. You will be asked to provide the felt 5 d tits pf your aoxazt slatemerhl UP Dods. By enter g hose nwrhbena as your eledroruc s gnatu e, you 'M be agreeing to this author zit on to stow us and your bank to deduct each payment you authorize from your bank a count, and to initiaie debit or credit entries to your ba k accaw t, as applcabte, to correct an error in the processing of such payment. You must tee us flit amount of each payment or you can select an amount such as the htn mum Payment Due or the New Balance on each statement. Your can cancel a payment; however we by pfwne at 1.800-347-2683 or by mail at ftte address listed in the previous must re feive natce at least fires business days in adva xe of the seheduled payment You may not fy uscyc be nthly statement when your payment w t be made and haw much it will be. Your automate payment amount may paragraph. It your payments vary in amount, we w t tot you on each may less than indicated an the momhiy swtsmerht based on s oi ls or paments applied during the bit rg le. Credit thing. We may report information about yourA=nt to aedl bureaus. Late payments, missed payments, or other defaults on yourAccoont may be reflected in your credit report re normally report the status and payrrhent history of yowAcmunt to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please vaite us at the following address: Discover, PO Box 15316, Wtmkigtal, DE 19850-5316. Please include your name, address, home telephone number and Amount number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on you- billing statement, unless a transaction is posted to your Account after the close of the biting period in which it occurs, in which case we begin to impose Periodic Finance Charges on that vansadion from the trst day of the bitting period in which it is posted to your Account, We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown Q? your Wing statement by making payments or receiving cred5ts. However, If you paid the New Balance on your previous billing statement by the Payment ON Date -sham on that U ing Malenuml, we will not impose Periods Finance Charges on new purchases. that is, purchases first appearing on the current bong statement, or any portion of a new purchase, paid by the Payment Due Dare on your current biting statement. We call this the *grace peiod' There is no grace period on balance transfers or ash advances. As more fully deWbed in the seraiar of yi CardmemberAgneerr entVied'tbw WeApply, Paymenls: wogenerally apply payments to MxAccaunt based on f Annual Percentage Rate applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current biting statement by go Payment Que Dale sham on that billing stateroom, then, depending on the amount of your payment and the Annual Percentage Rates an other balances, you may not get a grace period on new purchases. Minimum Finance Charge. We wit charge you a minimum FINANCE CHARGE of S.50 for any being period in which Periodic Finance Charges of less Man 5.50 would otherwise be imposed. Annual Fee. If your Account has an annual fee, 4 vw't be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears an the statement when the fee is billed. The annual tee is not refundable unless you notify us that you wish to close f;.ir .Ac':Oum vrfilin 30 day=_ .- the mating or d-6 "date of the s.alern.ent an which the fee is billed. You wh receive this refund even 6 you use your Card during that period. Periodic Finance Charges. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate getups- We refer to these groups as transaction categories. At the end of each biting period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to carpefe Periodic Finance Charges for each transaction category. (Average Daily Baiarhaj times (days fn billing period) it- (Daily Rerfodic Patel, You may refer to the Finance Charge Summary on your titling statement for these amounts. Then we add up the Penort Finance Charges for each transaction category to get the total pi iedo Finance Charges for your Account The Average Daily, Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rafe is 11365th of the corresponding Annual Percentage Rate. We use the Average Daily Balance (including new transactions) method of calculating the balance upon w 1nich we impose Periodic Finance Charges. We compute iheA"e Daily Ba" for each transaction category by adding up at the daily baiarncm in a billing period for a transaction category and dividing the total by the rumba of days in the billing period. We compute the daily balance fo each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as sham on your billing statement, unless the transaction is postal to your Accourtl after the dose of the billing period in which it occurs, in which case the transaction will be added to the My balance as ofthe first day of fhe billing period in which it Is posh to yourAcco urt, fees drargad that day and Periodic Finance Charges accrued on the previous day's dimly balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calcula6g the daily balance for the first day of the Wing period, we consider the 'previous day's daily balance` to have been your balance for each transaction category on the lost day of your previous billing penis Ail fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the appliable balance transfer, transaction, category. For TQD (Telecommunications Device for the Deaf) assistance, please can 1.800.347.7449. Discover may monitor andfor record telephone dais between you and Discover representatives for quality assurance purposes. =10 The D.isrover" card is issued by Discover Bank, Member FDIC PA0210 DISCOVER a pays to Account MARK rwmber ending in 8863 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 28 days Ba nc Rotes RATES RATES CHARGES CHARGES Purchases $397.62 0.03901% 14.24% V 14.24% $4.33 $0 Past Purchases $5,486.11 0.04723% 17.24% V 17.24% $72.52 $0 Cash Advances $2,198.39 0.06573% 23.99% V 23.99% $40.46 $0 V = Variable Rate Questions? Visit www.Diswver.com or call 1-8004DISCOVER (1-800-3x17-2683). DISCOVER New Balance Minimum Payment Due DISCOVER $7,960.06 $160.00 Payment Due Date May 13, 2010 18 SDSMSA01 0012501 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 18.2010 PO BOX 71084 1111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or"phone change? Ir?lrllr,IlrJJlilrLiLL:,I(lLrrLrlr?6rlhJrJ,J,lirll Go to www.Discwmr.com or print change in space above. 000001986458011580319079600600000000016000 Opening Date: March 1% 2010 - Closing Date: Discover More Card Account Summary I Account number ending in 8863 Previous Balance $8,005.36 Payments And Credits - 175.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 129.70 Other Fees t + 0.00 New Bakmce 7,960.06 See Finance Charge Summary section following transactions for detailed APR information Credit Une $9,500.00 Credit Line Available $1,539.00 Cash Advance Credit Line $A,300.00 Cash Advance Credit Line Available $1,539.00 tSee transaction detail for a description of any Fees Cashback Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 3.45 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.45 To learn more, log in at www.Dismver.com orO select Rewards Account Number ending in 13863 Enter Amount Enclosed Below Pay online at www.Ditcover.com or make check payable to Discover. Phone and internst payments must be made by 5:00pm ET for some day posting. Text APP to DISCOV' to receive a link to our tree mobile app and pay your bill in seconds from anywherel Pape 1 of 2 Payment Information New Balance $7,960.06 Minimum Payment Due $160.00 Payment Due Date May 13, 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 19.24% 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: v?Y.°.R:Y:C]:VCi;+: i???'F .rS .;'r::nom::: r'.: KY.•%,.: ,?l.::i.`,.?':4:,v i:' > 1" s Only the minimum 31 years $37,125 payment $292 3 years 10,518 avin s -- $26,6071 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 corn Access free online tools like Poydown Planner to create a plan 2. Call 1.800-DISCOVER. 11-800-347.2683) Please have your Discoverecard available. to pay down your balance, securely access statements, pay bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Make your money worth moresm-find easy ways to earn Salt Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deal) NEWI Access your account securely through your assistance, please cap 1$00.347-7449. mobile phone Transactions Trans. Post Date Date Payments and Credits Apr 12 Apr 12 INTERNET PAYMENT -THANK YOU $ -175.00 See reverse side. DISCOVER Jb Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information, Q See your Cardmember Agreement. Your Cardnwt w Agreement contains all the terms of your Account. Cr) M Lost cr stokn cards. Regal immediately! Call 14"7-2683. o Billing Rights Summary. In Case of Errors or Quasi= About Your Bill: If you think your bill is wrong, or it you creed more information about a iransactan on your bill, write to us on a i o ll on separate sheet of paper at Discover, PO Box 30421, Salt Lake City, U7 8413D.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the fast h 12 w4hidi the era or problem appeared. You can telephone us, but doing so Will not preserve your rights. in your letter, give us the kPoWng information: on Your name and Account number. ° The dollar amount of the suspecbad aror. Describe the error and eupiai% If you can. why you believe there is an error. H you creed more information, describe fire item you are unsure about You do not have to pay any amoum in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to corect die amount you qu ion. Special Rule for Credit Card Purchases: if you have a problem Ali the quality of goods or services that you purchased with a credit card, and you have triad in good faith to coned the problem wit the merchant, you may not have to pay The remaining amount due on the goods or services. You have this protection only when the purdrise price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the goods or seNces, al purchases are covered regardless of the amount a location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your died: to crake an electronic fwd trarsforlrom your amount at the financial insliWlron indicated on your check or to process tae payment is 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 infomation from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution . The processing of your payment may be delayed if you send cash, correspondence or other items with your payrr if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 6PM total time on any day will be credited to your Account as of that day Payments received at ow processing facility after 5PM local time will be credited to your Accurol as of the next clay. If you have misplaced your envelope, send your rayment to Discover, PO Box 6103, Card Scream. IL 60197$103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmi(d as an elecionic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-347-2683. You % ml need this statement and your bank account information. You must ensure that suf6cienl kinds are available In your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digit, of your account statement ZIP code. By entering those numbers as your eleclromk signaluf% you will be agreeing to this authorizatrort to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must tell us the amount of each payment or you can select an amounl such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment; however we must receive notice at least three business days in advance of the schedriled payment. You may notify us by phone at 1800-347-2683 or by mail at the address isted in the previous parapaph. If your payments vary in amount, we All tell you on each monthly statement when your payment All be made and how much it All be. Your automatic payment amount may be less than indicated on the monthly statement based on crests or payments applied during the tiling cycle. Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, of other def Lulls on your Account may be relfected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each mach, it your believe that our report is ha=rate or incomplete, please write us at the fo c ing address: Discover, PO Sou 15316, Wilmington, DE 19860-5316, Please induce your name, address, home telephone number and Awourif number. Grace Period on Purchases (at least 25 days). We begin to iinpose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the dose of the billing period in width it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the bil ng period in which it is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Bence shorn on your billing statement by making payments or receiving credits. However, g you paid the New Balance on your previous being statement by the Payment Due Data shown on that b iii g statement, we Ad not impose Periodic Finance Charges on new purchases, Ihat is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on yourcunent billing statement We call this the grace petiod' There is no grace period on balance transfers or cash advances. As more fully described in the sector of your Cardmert!6er Agreement fided''How We Apply Payments' we generally apply payments to your Account based on the Annual Percentage Rate applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that biting statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchases. Minimum Finance Charge. We Ali charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance charges of less than $.50 would otherwnse be imposed. Annual Fee. If yourAccount has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is biled. T!;e annual fee is not relundabte unless you nobfv us that you with to dose yarr fixetnt wT:hm 30 days of me mrdir;T or eld, is e d,,), of the srtn.2nt an which trio (es i, billed. You wit1 receive this refund even A you use your Card during that period. Periodic Finance Charges. We sort yaw transactions into groups of purchases, cash advances, and balance transfers and then further sod the transactions within each group by IheirAnmual Percentage Race. For example, purchases subject to a promotional rate and purchases subject to a sleudard rate world be separate grails. We refer to these groups as transaction categories. At the and of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the follovnrg equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in ir" period) b'mes (Daily Periodic Rate) You may refer to the Finance Charge Summary on your tiling statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Amount. The Average Daly Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is i%51h of Ina corresponding Annual Percentage Pale. We use the Average Daily Batencce ('including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Saanun for each transaction category by adding up all the daily balances in a billing pedod fora transaction category and dih+rdi!g the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by fast adding the fol iw ing to the previous days 49ly balance, Iransactom with a Transaction Date of that day as shown on your billing statement, uNCSS the transaction is posted to your Account after the dose of the biting period In which it occurs, in which case the transaction will be added to ft daily balance as of tae lost day of tie billing period in which it is posted to yowAccamt, fees charged that day and Periodic Finance Charges accrued on the previous day's da4y balance; and by than subtracting any credits and payments that are applied age nst the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing period, we consider the "previous days dairy lu it e• to have been your balance for each transaction category on the lest day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added (e the applicable rash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to She applicable balance transfer transaction category. For TOO (Telecommunications Devke for the Deaf) assistance, please call 1-800,347.744 Discover may monitor andbr record telephone caps between you and Discover repmseniafives for quality assurance purposes. MI) The Dismverr'card is issued by tkscovart3ank, Member FDIC PA0210 DISCOVER Jt pays r S t,? MARK WADAS D? 1 M Account number ending in 8863 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FRrANCE FRyANCE current billing period: 31 days Balances Rates RATES RATES _ CHARGES Purchases $237.64 0.03901% 14.24% V 14.24% $2.87 $0 Past Purchases $5,563.05 0.04723% 17.24% V 17.24% $81.43 $0 Cash Advances $2,227.92 0.06573% 23.99% V 23.99°/ $45.40 $0 V = Variable Rate Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance DIS OVER Minimum Payment Due Account Number ending in 8863 $7,908.84 C $159.00 Enter Amount Enclosed Below Payment Due Date $ -? June 13, 2010 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. 18 8DSN6A010012502 MARK WADAS Text APP to DISCOV• to receive a link to our Tree mobile app and pay your bill in seconds 111 N PENN ST from anywherel SHIPPENSBURG PA 17257-1311 PO BOX 71084 Ill,nilr,us,llirrlnnlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? lu?rllnlurlr??nrlul,lunllllnrlnlulrrllululrrlr?ull Go to www.Discover.com or print change in space above, 000001986458011580319079088400000000015900 1, 2010 page 1 of 2 Opening Date: April 19, 2010 - Closing Date: May 11 Discover More Card Account Summary Account number ending in 8863 Previous Balance $7,960.06 Payments And Credits - 175.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 123.78 Other Fees t + 0.00 New Balance 7,908.84 See Finance Charge Summary section following transactions for detailed APR information Credit Line $9,500.00 Credit Line Available $1,591.00 Cash Advance Credit Line $4,300.00 Cash Advance Credit Line Available $1,591.00 I See transaction detail for a description of any fees Cashback Bonuse Anniversary Month January Opening Coshbock Bonus Balance $ 3.45 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.45 To kern more, log in ai www.Discover.eom end select Rewards 3 Easy Ways to Contact Us 1. Access your account securely at wwwMiscevsr coin 2. Call 1-800ZHSCOVER (1800.347.2683) Please hove your Discoverecard available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (telecommunications Device for the Deaf) assistance, please call 1-8 00.34 7-74 49. Payment Information New Balance $7,908.84 Minimum Payment Due $159.00 Payment Due Date Lune 13, 2010 Late Payment Waming: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 19.24% variable. Minimum Payment Warming: If you make only the minimum payment each period, you will pay more in interest and a will take you longer to pay off your balance. For example: ilk' ' r , . ...:.:.?::,, n..:.n,:..:::. •' a. `• S:Imr,., . u Only the minimum 31 years $36,820 payment $291 3 years $10,462 ISlivings = $26,358 1 If you would like information about credit counseling services, call 1-800.347-1121. Manage Your Account Online at www.Discovercom Access free online tools like Paydown Planner to create a plan to down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm -find easy ways to earn and redeem cash rewards NEW[ Access your account securely through your mobile phone Transactions rDdo Dab Paymm,ts and credits Apr 21 Apr 21 INTERNET PAYMENT - THANK YOU $ •175.00 See reverse side. EMSCOVER Important Information. It there is more than are page to this biting stalem tm, see the back of each page for addiriatal important information. See your Card momberAgreement. Your CardmenberAgreemenl contains all the terms of yourAccowtl Lost of stolen cards. Report immediately! Call 1.800.347.2683, Billing Rights Sumnwry. rt Case of Errors or Questions About Your Bill: If you think your bill is wrong, or Kyou need more information about a transaction on your bitt, write do us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 841300421, as soon as possible. We must hear from you no later than 60 days after we sent you the fast bill on . which the error or problem appeared. You can telephone us, but doing so oil not preserve your rights. in your letter, give us the following information: Yourtrame and Account number. The deMaz amount of the suspected error Desgbe the error and explain, 'd you can, why you believe (hare is an error. it you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are irwesligeting, but you are still obligated to pay the parts of your bill that are not in question. While wa investigate your question, we cannot report you as delinquent or take any actor to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with Ore quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem YA the merchant, you may not have to pay the remaining amount due on the goods or services. You have this p olection only when the purchase price was more than 550 and tie,purchase was made in your home state or within 100 miles of your mailing address. (if we ohm or operate the menlhant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless a the amount or location of purchase.) PaymerNS. Send only your payment and the top portion of INs statement in the envelope provided. Do not send cash. By sendxrfj your dock as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your amount as soon as the same day we receive your payment: and you wiN not receive your dhecir back from your bmandal institution. The processing of your payment may be delayed if you send cash, correspordence or other items with your payment, 9 you send the payment to any other address or if you use an envelope other than the are provided. Payments received in proper lomh of our processing facility by 5PM lord time on any day will be credited to your Account as of that day. Payments received at our processing fadRy after 5PM bog lime will be cradled to your Account as of the next day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubrnii it as an electrkx>ic deiil. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call as at 1.800-347-2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must Comply vAMr U. S. law. You volt be asked to provide the fast 5 dgib of your account statement ZIP code. Ely entering those numbers as your eledonic signature, you will be agreeing to this auOhorizalion to altav us and your bank to deduct each payment you authorize horn your bank account, and to Initiate debit or credit entries to your bank account as applicable, to correct an error in the processing of such payment. You must tell us The amount of each payment or you can select an amount such as the tAmmum Payment Due or the New Balance on each statement. You can cancel a payment; however we must receive notice at lease three business days in advance of the scheduled payment. You may notify us by phone at I -M-347.2663 or by mail at the address listed in the previous paragraph. It your payments vary in amount, we will tell you on each nhadt4y statement when your payment will be made and how much it will be. Your automatic payment amount may be less'than irrdcaled on the monthly statement based on credits or payments applied during the billing cycle. Credit Raporfing. We may report information about your Account to creot! bureaus. Late payments, missed payments, or other defaults on yourAocount maybe reflected in your Credit report, lye nomily report the status and payment history of your Account to credit mpaHng age-des each month. If you believe that our report is inaccurate or incomplete. please vxite us at the following address: Discover, PO Box 15316. Nfrbnington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions iron She Transaction Dale for the transaction shown on your biding statement, unless a transaction is posted to your Account after the close of the billing period in Arch it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the biting period m which it is posted to your Accent. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown an your biting statement by making payments or receiving credits. Hem. ed, it you paid the New Balance on your pevious billing statement by the Payment Due Date shown on thalibilling statement, wewflp not impose Periodic Finance Charges on new purchases, that is, purchases Oust appearing an the current billing statement, or any portion of anew purchase, paid by the Payment Due Date on your current biting statement. We call this the `grace period! There is no grace period on balance transfers or cash advances. As more fully d?'scribed in the section of your Cardmember Agreement filled 'How We Apply Payments, we generally apply payments to your Account based an Me Annual Percentage Rate appica,,ie to the balance cl each transaction category. This means that if you do not pay the New Balance on he current billing statement by lire Payment Due Date shown on that WIi nO statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not gel a grace period on new purchases. Minimum Finance Charge. We wit charge you a minimum FINANCE CHARGE of 5.50 for any bBing period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Annuat Fee, if your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is bide, The ttwlwo: tee is not refundable unless you notify us lihal yo::vk-h to dose ym ,, A,, ?tc va hid, 30 days or the ma ling or deiven y dale of the. 51.*rneit on which the fec: is billed. Vou v,111 receive Ibis rehnd even if you use your Card during that period. Periodic Finance Charges. We son your transactions into groups of purchases, cash advances, and balance transfers and Men further sort live transactions within each group by their Annual Percentage Rate. For exarrhpte, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as Uansactim categories. At the end of each biding period, nw compute balaaces and Periodic Finance Charges iW eacn day of the billing period for each lransactiop category. We use the fonoviOg equation to Compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) fines (Daily Periodic Rate). You may refer to Me Finance Charge Summary on your billing statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zerot, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 11365th of the corresponding Annual Percentage Rate. We usn the Average Daily Balance pnduding new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up at the daily balances in a biting period for a transaction category and dividing the total by the number of days i, the baling period. We cotnpule th e dally bal to each transaction caregc y on earth day by Ikst addtug the foflow6rg to the {rev ors day's daily balance: traruact ors with a Transacio Date of that Aocourrt aterMhe close lithe irlbng parted in vfibh H coot s, n which case M o transacMon w t be added day as! sfhovx a your blfaer nce ingsta unless the transact car a posted to your b the jla y balance as of tfhe frst day d the is pe oil in wh Gw it s posted to yourlktoum, fees cha gad that day and Periakc Fi ance Charges accnred an the parlous day s daily b ce; and by Then sublract ng any credits and payments that are applied agar sl the baance of the horn sacl on category on that day. In catcula8rhg the da ly balance for the first day of One biting period, we dunsder M -pievicus day's deity balance to have been ydnr balance br each uansacion category on ti e Last day of year prey ors Ming pe oil. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges vhhidh are addecl to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transacion category. For TDD (Telecommunications Device for the Dean assistance, please call 1.800.347.7449. Discover may manila ardor record telephone cells between you and Discover representatives for quality assurance purposes. D2010 The Discover' card is -sued by Discover Bank, Member FDIC PA0210 i DISCOVER i' ARK WAS A um cccc o unt ber endin g in 8863 page 2 of 2 Finance Charge Summary Nominal Other A rage Daily ANNUAL ANNUAL Periodic Fee current billing period: 30 days Da Bay c as Per Rates rc Rates PERCENTAGE RATES PERCENTAGE $ RA RAT5 w FINANCE Purchases $7.70 0.03901% 14.24% V 14.24% $0.08 $0 Past Purchases $5,600.83 0.04723% 17.24% V 17.24% $79.37 $0 Cash Advances $2,247.93 0.06573% 23.99% V 23.99% $44.33 $0 V = Variable Rate DISCOVER 18 SD8N6A01 0012503 MARK WADAS 111 N PENN ST SHIPPENSBUR6 PA 17257-1311 Address, e-mail or teisphone change? Go to www.Disc~.com or print change in space above. Account Number ending in 8863 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:OOpm ET for some day posting. Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 Illrrsllurrnlllrrlnnll) CHARLOTTE NC 28272-1084 111111111 1,1d1Ilrpill IIILrrllIIIIII fninllu?niul?lr,Il 000001986458011580319089179500000000017900 Opening Dale: May 19, 2010 - Closing Oaf% June It Discover More Card Account Summary Account number ending in 8863 Previous Balance $7,908.84 Payments And Credits 165.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 1,006.00 Interest Charged + 137.93 Fees Charged + 30.18 New Balance 8,917.95 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $9,500.00 Credit Line Available $582.00 Cash Advance Credit line $4,300.00 Cash Advance Credit Line Available $582.00 Co tback Bonus- Anniversary Month January Opening Cashback Bonus Balance $ 3.45 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.45 To learn n-, log in d www.D6cover.com New Balance Minimum Payment Due $8,917.95 $179.00 Payment Due Date July 13, 2010 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 availab. 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, 11 b0197.6103 For TDD (Telecommunications Device for the Deal) assistance, please cap 1-800.347-7449. , 2010 page 1 of 2 Payment Information New Balance $8,917.95 Minimum Payment Due $179.00 Payment Due Date July 13, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Penalty APR of 19.24% 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: 'max, 3s ...' Only fhe mum 35 years $46,718 poymenf $330 3 years 11,895 = $34,823 ) ISavings If you would like information about credit counseling services, call 1-800.347-1121. Manage Your Account Online at www.Discover.com • Access Irse online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth morel-Find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jun 13 Jun 13 INTERNET PAYMENT - THANK YOU $ .165.00 Cash Advances Jun 4 Jun 4 M&T BANK SHIPPENSBURG PA $ 503.00 Jun 9 Jun 9 M&T BANK SHIPPENSBURG PA 503.00 Fees Jun 4 Jun 4 CASH ADVANCE FEE $ 15.09 Jun 9 Jun 9 CASH ADVANCE FEE 15.09 TOTAL FEES FOR THIS PERIOD 30.18 interest Charged INTEREST CHARGE ON PURCHASES $ 82.70 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC OVER --T Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Bonk, Member FDIC PAPER.0310 Transactions Trans. Post cont.) Date Date Interest Charged INTEREST CHARGE ON CASH ADVANCES $ 55.23 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 137.93 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 30.18 TOTAL INTEREST CHARGED IN 2010 771.82 w to z m 0 N 0 W v Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER er to DISCOVER D pDISCOV AcMARK ADAS count number ending in 8863 ER ? page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account. Current Biling Period: 31 days TYPE OF BALANCE ??UPERCENTAGE BALANCE ??ECT TO INTEREST CHARGE INTEREST Purchases 14.24% V $0.06 $0 Past Purchases 17.24% V $5,648.20 $82.70 Cash Advances 23.99% V $2,710.72 $55.23 V = Variable Rate Additional Important 64orrnation. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Led or stolen cards. Report immediately) Cal 1$00347-2683. Wbat To Do D You Think You Find A Mistake On Tteur Sfattentenl If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 841300421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • D i n 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 mrsta e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following am true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in qguestion may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine ;V1 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 unpaid amount against your credit limit. Your Rights if You Arm Dissatisifed M% 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, oil of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify. 3. You must rat yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 841300945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, IF we think you owe an amount and you do not pay we may report you as delinquent. Payments, You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above, you authorize us to use information on your check *make an electronic fund transfer from your account at the financial institution indicated on your check or to process the ent as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of he check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you ent to anyy other address or if you use an envelope other than the one provided. Payments received in proper fiend the Tou form at oocessing facilfy byy 5PM bcal limo on any dayy will bar credited to your Account as of that day. Payments j?eceived r pro fiisp!«er enveope, send your payment to Discover, PO Box 6103 Carol Stream, IL 601 97 6 1 03. Please allow 7-10 days for delivery. IF your payment is rohrrnad unpaid, we reserve the rig?t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCiVER You can poy 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.5., the I Sth day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekenor bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepPhone, you will need this statement and your bank account information. You will be asked to provide the fast four (4?digits of the social security number of the primary borrower. By providing those numbers as ll ba agreeing to this authorization to allow us and your bank to deduct each pa ment you your electronic signature, yo u wi authorize, in the amount selected byy you, from your bank account. You also authorize us fo initiate debit or credit entries to yaur bank account, as applicable, fo correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 8413Q0421; however we advnce of the scheduled payment. If your payments may vary in amount, must receive notice at lea st three busine ss days in a wa will tell you on each monthly billing staFemen# 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 hansactions 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 realer than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember !Agreement. Iplyour scheduled payment is greater than the New Balance on your billin g statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ , Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. la#e payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally reporf the status and payment history of your Account to credit reporting agencies each month. If you believe that our report fs inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 5316. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Dote For the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to yaur Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your biAingg statement by making payments or receiving credts, kf you paid the New Balance on your previous billinrigg statement b the Payment Due Date shown on that billingg statement, we wilt not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or anY portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period. ' !t is not less than 25 days There is no grace ppeeriod on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to & balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "doily balance" for each transaction category. To get the "daily balance" we take the beginning balance For each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those ad ustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the 6il?ng ped, we consider the "previous day's daily balance" to have been your balance on the lost day of your previous brioilling period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billiT, period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the bitting period in which it is posted to your Account. All Fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable low. For TO (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank, Member FDIC 01TSK172 Questions? Visit www.Discover.com or ?1.SC?VER• call 1-800-DISCOVER (1-800-347-2683). DISCOVER $8New 79737Ce Minimum Payment Due $176.00 Payment Due Date August 13, 2010 18 SDSN6A01 0012504 MARK WADAS 111 N PENN ST SHTPPENSBURG PA 17257-1311 Account Number ending in 8863 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. Teed APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO Box 71084 11111&11111191111111111114 till CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Inlrllulnrlrllrrrlulrlnr1llir,rlr,ir,lrrllr1irrlr,lllull Go to www.Discover.com or print change in space above. 000001986458011580319087973700000000017600 Opening Dab: June 19, 2010 - Closing Date: Discover More Card Account Summary Account number ending in 8863 Previous Balance $8,917.95 Payments And Credits 300.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 144.42 Fees Charged + 35.00 New Balance 8,797.37 See Interest Charge Calculation section following transactions for detailed APR Information Credit line $9,500.00 Credit Line Available $702.00 Cash Advance Credit line $4,300.00 Cash Advance Credit Line Avoilable $702.00 t-asnuacK Donus- Anniversary Month January Opening Cashback Bonus Balance $ 3.45 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.45 To learn more, log in at wwwMiscover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Dincover.com 2. Call 1-8004ASCOVER (1-800.347.2683 Please have your Discover* card available. 3. Write to us at Discover PO Box 30943, Solt lake City, UT 841 r30 jNot a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-804347-7449. Transactions Trans. Post Date Date 'Payments and Cndils Jul 6 Jul 6 INTERNET PAYMENT - THANK YOU $ -300.00 Fees Jun 22 Jun 22 BAL TRAN RTRN CHK FEE 4!0338 $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 78.66 INTEREST CHARGE ON CASH ADVANCES 65.76 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL MEREST FOR THIS PERIOD 144.42 Zu I u page r or 4 Payment Information New Balance $8,797.37 Minimum Payment Due $176.00 Payment Due Date August 13, 2010 Late Pay nw* 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 Penally APR of 19.24% 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: Only the minimum 35 years $45,622 payment 11,33 $326 3 years Savings = $33,889)1 IF you would like information about credit counseling services, call 1.804347-1121. t ., Manage Your Account Online at www.Discover.com • Access [roe online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moresm -find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone IS NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless a>2010 Discwet Bonk, Member FDIC PMER.0310 Cn z Z O_ 8 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 65,18 v TOTAL INTEREST CHARGED IN 2010 916.24 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683,1. DISCOVER R A count number ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ??Ul PERCENTAGE BALANCE INTEREST CHARGE Purchases 14.24% V $16.45 $0.19 Post Purchases 17.24% V $5,538.32 $78.47 Cash Advances 23.99% V $3,334.84 $65.76 V . Variable Rate Additional Important Information. Sloe your Cardmembw Agresmem. Your Cardmember Agreement contains all the terms of your Account. Last or stolen cards. Report immediatetyl Cap 1.800-347-2683. 14ibm rt To Do N You TUnk You Find A Mistake On Your 5tatemenf It you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130A421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • D21ati Lion F Problle : IF you think there is an error on your bill, describe what you believe is wrong and why you believe it i, a mI; 'a. You must contact us within 60 days after the error appeared on your statement. You must notify us of arty potential errors in di 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 quesflon ma remain on your statement, and we may continue to charge you interest on that amount. But, 1F 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 nrot have to pay the amount in question, yyou are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit lim it. Your "ts if You Are Dissatisfied Whih Your Credit Card Pwichases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the rchass. 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 writ' at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You maypay all or part of your Account balance at any time. However, you must pay at least the Minimum Rayment Dus by the Paayment Due Date. Send only your payment and the top portion of this statement in the envelope F rov'ded. Do not send cash. By sending your check as described above, you authorize us to use information on your check o make an electronic fund transfer from your account at the financial Institution indicated on your check or to process the payment as a check transaction. IF poymant Is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information ffrrom your check to make an electronic fund "nfter, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check lack from your financial institution. T,he processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you -nd the payment to any ether address or if you use an envelope other than the ore provided. Poyments received m proper term at our processing Facility by 5PM local time on any dcsy will be credited to your Account as of that day. Payments received at our processing faali after SPM local time will be credited to your Aeeount as of the next coy. If you have misplaced your ernrelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 601976103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rigfrt to resubmit it as an electronic debit. . NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VE You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic 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 recumng paymeat date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to ilia weekend or bank holiday. In order loschedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to vide the last four (4?digi6 of the social security number of the primary borrower. By providing those numbers as your e1e rortic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, From your bank account. You also authonze us to initiate debit or credit entries to your bank account, as applicable, o correct an error in the processing of such payment. You can cancel a scheduled payment by phone 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, (ti) 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 billin statement, your scheduled payment for that month will ba 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 Cardmeni Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic ayment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the losing Date. If you enroll by phone in our automatic payment service, please Fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ , Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defauHs on your Accourrt may be reflected in your credit report. We normally report the status and payment history of our Account to credit reporting agencies each month. If ou be it eve that our report is inaccurate or incomplete, please write y at the following address: Discover, PO Box 15316, W?Imington, DE 1 9850 53 1 6. Please indicate your name, address, us home telephone number and Account number. Paying Interest. We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billingg pperiod in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entireNaw Balance shown on yaur billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billingg statement, or anY portion of a new ppurchase, paid by the Poymant NO Date on your current billing statement. We call this Hie °grace period.' It is not less than 2u days. There is no grace period on balance transfers or cash advances. As more fully described in the section of your Corcimember Agreement tilled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that 1f you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "doily balance" for each transaction category. To get the "daily balance" we take the beginning balance For each cloy, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We t en subtract any credits and ppaayments and make other adjustments (including those adjustments required in the section titled "Paying interest"). In calculating the daily balance For the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance For each transaction category by its laity periodic rate, for each day in the billing period. • The total interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees whit are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charger against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more a?er 6 months, or as otherwise required by applicable law. For MD (Telecommunications Device for tho Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank, Member FDIC OITBK172 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance DISCOVER $8,745.75 Minimum Payment Due 6175.00 Payment Due Date September 13, 2010 18 SDSN6A01 0012505 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 8863 Enter Amount Enclosed Below Pay o aline at www.Di3qover.com or make check payab?e to Discover. Phone and internet payments must be mode by 5:00pm ET For same day posting. Text APP to DISCOV• to receive a link to our tree mobile app and pay your big in seconds from anywhere) PO BOX 71084 111 ... 11111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes ?rr?rllrrlrnrlnllurlnlrlrulllltnlsnlultrllululul?lnll Go to www.Discovw corn or print change in space above. 000001986458011580319087457500000000017500 Onenina Date: July 19, 2010 - Closing Date: August 18, 2010 Discover More Card Account Summary Account number ending in 8863 Previous Balance $6,797.37 Payments And Credits 200.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 148.38 Fees Charged + 0.00 New Balance $8,745.75 See Interest Charge Calculation section Follow ing transactions for detailed APR information Credit Line $9,500.00 Credit Line Available $754.00 Cash Advance Credit Line $4,300.00 Cash Advance Credit Line Available $754.00 s-asnoacK Dorcas- Anniversary Month January Opening Cashback Bonus Balance $ 3.45 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.45 To learn more, log in or www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovor.com 2. Call 1-800-DISCOVER (1.804347-2683) Please have your Discover® card available. 3. Write to us at Discover PO Box 30943, Salt Lake City, UT 841 t30 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Corot Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.804347.7449. page of 2 Payment Information New Balance $8,745.75 Minimum Payment Due $175.00 Payment Due Date September 13, 2010 Late Payment Wanting: 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 19.24% 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: Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bit s online and easily track all transactions • Make your money worth moresm-find easy ways to earn and redeem cash rewards • NEWt Access your account securely through your mobile phone Transactions Trans. Post Dale Date Payments and Credits Aug 13 Aug 13 INTERNET PAYMENT - THANK YOU $ .200.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 ,Interest Charged INTEREST CHARGE ON PURCHASES $ 80.56 INTEREST CHARGE ON CASH ADVANCES 67.82 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 148.36 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC: ER If you would like information about credit counseling services, call 1-800-347.1121. Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/poperfess 02010 Discover Bank, Member FDIC PAPER 0310 Cl) O W Z m A C?_ 0 0 21010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 65.18 ? TOTAL INTEREST CHARGED IN 2010 1,064.62 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683. DISCOVER IrP°Kro MARK WADAS Account number ending in 886;3 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Currant Billing Period: 31 days PERCENTAGE TYPE Of BALANCE AN EU UB ECi TO B AfAANC S INTEREST CHARGE A? BA SU EST TE Purchases 14.24% V $0.15 $0 Past Purchases 17.24% V $5,502.16 $80.56 Cash Advances 23.99% V $3,328.16 $67.82 V = Variable Rate /ldclMonal Important 4rfomwtion. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Last or stolen cards. Report immediotelyl Cal 1-600.347-2683. What To Do if You 19dnk Yon, Find A Mis ke: on You statement If you think there is an error on your statement, write to us at: Discover, PO Box 30A21, Salt Lake City, UT 84130.0421. In your letter, give us the following informoiom • Account information, Your name and account number. • Dollar account: The dollar amount of the suspected error. • po ripg, n of obl : If you think there is an error on your bill, describe what you believe is wrong and why you believe it Is a mists e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in?riti . 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 ro 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 N Yogi Am Qissarigfied Wrrh Your CredU 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 momhont, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card accountdo 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, Sal Lake City, UT 84130.0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provcded. Do not send cash. BY sending your check os described above, you authorize us to use information on your check to make an electronic fund transfer From your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information 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 precessing of yyour payment may be dekryed if you send cash, correspondence or other items with your payment, if you '.send the payment to anyy other address or If you use an envelope other than the one provided. Payments received m proper form of our processing focilRySPM local time on arty day wits be credited ro your Account as of that day. Payments ?reeeived at our processing faith after 5PM local time will be credited to your Account as of the need day. If you have misplaced your envelope, send your paymerd fo Disasror, PO Box 6103 Card Stream, IL 6Q197-6103. fMease allow 7-10 days for delivery. If your payment ns resumed unpaid, wa reserve the rig(tt ro resubmiF it as on electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER fou can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, aver the telephone or you can setup automatic payments through a customer serv ice representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Dote unless you request a recurring payment date (e. ., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order o schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (ANigits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each paymant you authorize, in the amount selected by you, from your bank account. You also authonze 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 w 1-SOQ347.2683 or by mait at Discover, PO Box 30421, Salt take City, UT 8413""21; however we must receive no ice at least three business days to advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthlyy billing statement when your payment will be made and how much it will be. You must ensure hat sufficient funds are ovailabla in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (iij statement Minimum Payment Due, (iii) sMfern 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 billlr?q statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is ggreater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. IF your scheduled payment is greater than the Now Bafance on your biffin statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ ,, Bank Routing #: • Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. iota payments, missed payments, or other defouhs on your Account maybe 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 folowing address: Discover, PO Box 15316, Wilmington, DE 1985Q53 f 6. Pfease indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest Charges on all transactions from the Transaction Dote for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire-New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Bafance on your previous billing statement by the Paymen lint Due Dale shown on that billing statement, we wilt not impose Interest Charges on new purchases, that is, purchases first appearing on the current ngg statement, or anY portion o a new purchase, paid by the Payment Due bil Date on your current g statement. We cal! this the "grace period.' It is not less than 25 days. There rs no brace rind on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement tided "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category . This means that if you o not pay the Naw Bafance on the current billing statement by the Payment Due bate shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period an new purchases. Annual fee. If your Account has on annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges - Daily Balance Method (irrcluding current transactions); We figure interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily 6alonce" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any now transactions and fees and any interest Charges accrued on the previous day s daily balance. We then subtract any credits and payments and make other adjustments (including those adjustments required in the section tided "Paying Iterest"). In calculating the daily balance for the first day of the billing period, we consider the "previous day's dairy balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the appficable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deof) assistance, please call 1.800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover'Dcard is issued by Discover Bank, Member FDIC 0tTBK172 0 z m 0 0 0 0 U Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683. DISCOVER New Balance Minimum Payment Due $8,919.21 $369.00 Payment Due Date October 13, 2010 18 SDSN6A01 0012506 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 8863 Enter Amount Enclosed Below $ _ ?-1 Please make check payable to Discover Card. Minimum ppaoyymment due includes a past due amount of $T75.00, Phone and internst payments must be mode by 5:00pm ET for some day posting. n Please see "Notice of Changes to your Interest Rates" section PO BOX 71084 1HIMIrloll rIIIIIloll fill CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Go to www.Discover.com or print change in space above. 000001986458011580319089192100000000036900 )pening Date: August 19, 2010 - Closing Date: Discover More Card Account Summary Account number ending in 8863 Previous Balance $8,745.75 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 148.46 Fees Charged + 25.00 New Ba nee B 919.21 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $9,500.00 Credit Line Available $580.00 Cash Advance Credit line $4,300.00 Cash Advance Credit Line Available $580.00 Cashback Bonuse Anniversary Month January Opening Cashbock Bonus Balance $ 3.45 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 3.45 To learn more, log in at www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Divcovor com 2. Call 1-800-DISCOVER (1-800.347-2683) Please have your Discover® card available. 3. Write to us at Discover PO Box 30943, Salt Lake City, UT 841 §0 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Card Stream, IL 60197-6103 For TOD (Telecommunications Device For the Deal) assistance, please call 1-800.347.7449. Transactions Trans. Post Dale Date Fees Sep 13 Sep 13 LATE FEE $ 25.00 TOTAL PEE5 FOR THIS PERIOD 25.00 Interest charged INTEREST CHARGE ON PURCHASES $ 79.65 INTEREST CHARGE ON CASH ADVANCES 68.81 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 148.46 nber 113, -LULU page 1 or Payment information New Balance $8,919.21 Minimum Payment Due* $369.00 Payment Due Date Odober 13, 2010 *Indudes past due amount of $175.00 lab 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 19.24% variable. Minirnum Payment Woming: 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 wwmpb: Only the minimum 35 years $45,347 payment If you would like information about credit counseling services, call 1.800.347-1121. ., Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely aeee3S statements, pay bills online and easily track all transactions • Make your money worth moresm -find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Book, Member FDIC PAPER.0310 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 90.18 TOTAL INTEREST CHARGED IN 2010 1,213.08 W O 1n Z m D 0 N 0 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to MARK WADAS I C&VFR7 Account number ending in 8863 page 2 of 3 CS Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 16.24% on new transactions due to a late payment(s) and its effect on your creditworthiness. This APR will vary with the market based on the Prime Rate.* This change will impact your account as follows: Purchases made on or after 10/8/10: As of 11/19/10, the Penalty APR will apply to these purchases (unless a promotional rate applies). We will keep the APR at this level indefinitely. Purchases made before 1018/10 and other transactions: Current rates will continue to apply to these purchases and transactions. *This Annual Percentage Rate ("APR") equals the U.S. Prime Rate + 12.99% (corresponding daily periodic rate of 0.04449%). (Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE A U(?ERCENTAGE ?TCE SSUULIECT TO INTEREST CHARGE Purchases 14.24% V $0 $0 Past Purchases 17.24% V $5,440.30 $79.65 Casty Advances 23.99% V $3,377.07 $68.81 V - Variable Rate Additional Important Information. see your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347.2683. What To Do If You Think YQr Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Safi Lake City, UT 84 1 30604 2 1. In your letter, give us the following Information: • Account Information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Desert ti n 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 misfa ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writin . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to tolled the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible For the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your is If You Are Dissatisfied WHh Your Credit Card Auer ses IF you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary IF your purchase was based on an advertisement we mailed to you , or if we own the company that said you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writisq at: Discover, PO Box 30945, Sag Lake Ci y1 , uT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, IF we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum F ayment Due by the Aayment Due Date. Send onty your payment and the top portion of this statement in the envelope prov?ded. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial instihnion 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 tram 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC, VER The end p the roceym p ssing of your 7n? nmaybe delayed you send wsh, corresponden e ce or tems wiat day ent to an ress or if usby 5PM ocal time on any dan ymived oper form al our pocesing ayy ill b iteto nt s of Peneced at uprocesseili addiy afteSPM local time will be ited to youAccount of dyf you have miscr evelpsend your payment to Discover, PO Box 6103 Carol Stream, IL 60197 6103. Please allow 7-10 days for delivery. IF your payment is refumed unpaid, we reserve the rigto resubmit it as an electronic debit. You can pay your monthly M i n i m u p m Payment Due, or a great;'fa mount that does not exceed your current Account balance, over the telephone or you can setu automatic payments throa customer service representative by calling 1-800-347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring Went date (ea, the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date on a weeker bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and' your bank account information. You will be asked to provide the last four (4 digits of the social security number of the primary borrower. By providing those numbers as your electronic signature , you will be agreeing fo this authorization b allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, o correct an error in the processing of such payment. You can cancel a scheduled payment 6y phone at 1-800 347.2683 or by mail at Discover, PO Box 30421, It Lake City, UT 8.4130A421; 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 hansactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (i) 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 lvtmimum Payment Due as listed on your monthly billin statement, your scheduled payment for that month will 6e increased to cover the Minimum Payment Due. IF the scheduled payment is renter than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your bilin statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment. service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ , Bank Routing #: ; Bank Account Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed 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 chat our re is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose Interest Charges on all transactions From the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction From the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous 6illing tatement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on now purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this As "grace period.' It is not less than 25 days. There is no ffrace period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we general)y apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Dote shovm on that billin g statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Cord during that period. How We Calculate Interest Charges - Daily Balance Method (including current transadions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms Ifor example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those adI'uslments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. IF your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make chargges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC OITBK172 Quest1o115? Visit www.Discover.com or call 1-800-DISCOVER (1-800-3,47-2683). DISCOVER DISCOVER tnformo ion For You When making payments, please send a check with yaw payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and credit cash payments and payments sent to a different address. The Additional Important Information section on your statement provides specific details. * * * ATTENTION * * * Your account is past due. Please pay the post due amount now, or contact us to make other arrangements. Ca 8 i , MATION DISCOVER Questions? Visit www.Discover.com or cd 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER $914604 e 18 SDSN6A010012507 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Minimum Payment Due ' Account Number ending in 8863 $183.00 Enter Amount Enclosed Below Payment Due Date November 13, 2010 Pay online at www.Discover.com or make check payable to Discover. Phone and intemet payments must be made by 5:00pm ET for some day posting. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 Illnrllnnrslllulunlll CHARLOTTE NC 28272-1084 ,jddress,a.mailortelephone charge? Inl,llr?ln?ltllf?t????rl?ullllt,tlrtl?rl??ll?rl?r?trltl??ll Go to www.Discover.com or print change in space above. 000001986458011580319091460400000000018300 Opening Date: September 19, 2010 • dosing Dale: 0 Discover More Card Account Summary Account number ending in 8863 Previous Balance $8,919.21 Payments And Credits 375.00 Purchases + 456.75 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 145.08 Fees Charged + 0.00 New Balance X9,146,04 See Interest Charge Calculation section following transactions For detailed APR information Credit line $9,500.00 Credit Line Available $353.00 Cash Advance Credit Line $4,300.00 Cash Advance Credit Line Available $353.00 t.aShpaCK PSOhuS° Anniversary Month January Opening Cashback Bonus Balance $ 3.45 Now Cashback Bonus This Period + 1.14 Cashback Bonus Balance $ 4.59 To learn more, log in of www.D-ucover.com Miinknurn 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: 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discw4w.com • Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER (1.800.347-2683) ® b d l to pay down your balance, securely access statements, pay ll le. car avai a Please have your Discover transactions bills online and easily track a 3. Write to us at Discover, PO Box 30943, UT 84130 (Not a payment address) Salt Lake City • Make your money worth moresm-Find easy ways to earn , For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197-6103 NEW Access your account securely through your For TOD (Telecommunications Device for the Deof] mobile phone assistance, please call 1.800.347-7449. Transactions Trans. Post Date Date Payments and Crsdifs Sep 25 Sep 25 INTERNET PAYMENT -THANK YOU $ -200.00 Oct 11 Oct 11 INTERNET PAYMENT - THANK YOU -175.00 srvices Oct 11 Oct 11 TIMMONS OIL INC MC 717,5326425 PA $ 456.75 Hess TOTAL FEES FOR TM PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 77.17 INTEREST CHARGE ON CASH ADVANCES 67.91 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER IF you would like information about credit counseling services, call 1.800.347.1121. Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Discover Bank, Member FDIC PAPER.0310 Transactions (n Trans. Post (cont.) Date Date z m o 0 0 Interest Charged TOTAL INTEREST FOR THIS PERIOD N $ 145.08 $ 2010 Totals Year-to-Date v TOTAL FEES CHARGED IN 2010 $ 90.18 TOTAL INTEREST CHARGED IN 2010 1,358.16 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER 11-800-347-2683). DISCOVER tt PeYs DISCOV ER Account number ending in 8863 ii page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days ERCENTAGE TYPE Of BALANCE ??l BALANCE SUBJECT TO INTEREST CHARGE 3 RAlt Purchases 14.24% V $81.89 $0.96 Past Pumhases 17.24% V $5,378A5 $76.21 Cash Advances 23.99% V $3,443.82 $67.91 V = Variable Rate Additional Important Mormation. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347.2683. What To Do N You Think You Find A Mistake On Your Statemwd If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 64130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: the dollar amount of the suspected error. M• lion oble : If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mista ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors ' watt . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been on error, the following are true: • We cannot try to coiled 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 hove to pay the amount in question, yyoou are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit lima. Your Rights If You DissatFsRed WA Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these, are necessary if your purchase was based on an advertisement we mailed to you , or IF we own the company that sold you the goods or services.( 2. You must have used your credit card for the purchase. Purchases made with cash advances From an ATM or with a check that accesses your credit card accounf do not qualify. 3. You must not yet have fully paid for the purchose. If all of the criteria above are met and yyou are still dissatisfied with the purchase, contact us in wrill at: Discover, PO Box 30945, Salt Coke Cily, UT 84130.0945 While we investigate, the some rules apply to the disputed amount as discussed above. Aker we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope prowled. Do not send cash. Byy sending your ehec as descnbed above, you authorize us to use information on your cheek to make an electronic fund hanster From your account at the financial institution indicated on your chock or to process the payment as a check transaction. If payment is processed as an electronic Fund transfer the transfer will be for the amount of fhe check. When we use information from your check to make an electronic fund tranlr, funds may be wtthdrown 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 cosh, correspondence or other items with your payment, if you send the payment to an other address or if you use an envelope other than the one provided. Paymenh received in proper farm at our processing Facility byy 5PM local time on any wItl be credNed to your Accoum as of thnt day. Payments received at our processing tacitly after PM local Time will credited to ur Account as of 1Fm nerd day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Card Stream, IL b0197 6103. Pleaae agow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rig>7t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D Y R 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 1.800347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e. .the 15th day of the month) that occurs before your Poyment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone , you will need this statement and your bank account information. You will be asked to provide the last four (4fdigils 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 entyou 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 appIle bie, to mired 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 mryst receive notice at least three business Boys 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 Duo, (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 ggreater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. IFyour scheduled payment is greater than the New Balance on your billin% statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ Bank Routing 4: ; Bank Account #: ; Frequency: Credit ReporKng. We may report information about your Account to credit bureaus. Late poyments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of qr Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write y%t the following address: Discover, PO Box 15316, Wilmington, DE 1 98 50-5 3 1 6. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is pasted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the Now Balance on your previous 6i11ing statement by the Payment Due [sate shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of o new purchase, paid by the Payment Due Date an your current billing statement. We call this the "grace period. It is not less than 25 days There is no race period on balance transfers or cash advances. As mote fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We Figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including t ose adjustments required in the section titled "Paying interest"). In calculating the Baily balance For the first day of the bil?ing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rote, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each cloy during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billng period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover©card is issued by Discover Bank, Member FDIC 011SK172 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER J 1-800-347-2683). DISCOVER Information For You When making payments, please send a check with your payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and credit cash payments and payments sent to a different address. The Additional Imporiont Information section on your statement provides specific details. Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683{. DISC*VER New Balance DISCOV R Minimum Payment Due t Account Number ending in 8863 $9,074.34 E $182.00 Enter Amount Enclosed Below Payment Due Date $ ?l December 13, 2010 Pay online at www.Di3cover.com or make check payable to Discover. Phone and interest ayments must be made by 5:00pm ET for same p ay posting. d 18 SDSN8A07 0012508 MARK WADAS Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds 111 N PENN ST from anywhere! SHIPPENSBUR6 PA 17257-1311 PO Box 71084 11111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? lulrllnlnilrllutlrililmlllln?lr?l+?lullululultlull Go to www.Discovercom or print change in space above. 0000019864580115803190907434000000DO018200 Opening Date: October 19, 2010 - Closing Date: November 18, 2010 Discover More Card Account Summary Account number ending in 8863 Previous Balance $9,146.04 Payments And Credits 225.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 153.30 Fees Charged + 0.00 New Balance 9,074.34 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $9,500.00 Credit Line Available $425:00 Cash Advance Credit Line $4,300.00 Cash Advance Credit Line Available $425.00 Cashback Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 4.59 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance $ 4.59 To learn more, log in at www.Discover.com page 1 of 2 Payment Information New Balance $9,074.34 Minimum Payment Due $182.00 Payment Due Date December 13, 2010 Loto 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 19.24% variable. Minimum Payment Warning. IF you make only the minimum payment each period, you will pay more in interest and R will take you longer to pay off your balance. For example: E: s' k ?Y ?..! s F Only the minimum 36 years $48,257 payment $336 3 years 12, 09 Savings = $36,148 ) If you would like information about credit counseling services, call 1-800.347-1121. 3 Easy Ways to Contact Us 1. Access your account securely of wwwMiscover com 2. Call 1-800-DISCOVER (1.800-347-2683) Please have your DiscoverO 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, IL 60197.6103 For TDD (Telecommunications 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 pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moresm-find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions trans. Past Date Date Payments and Credift Nov 8 Nov 8 INTERNET PAYMENT - THANK YOU $ -225.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 82.10 INTEREST CHARGE ON CASH ADVANCES 71.20 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL WEREST FOR THIS PERIOD 153.30 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER j Paperless statements mean less clutter, more convenience Easily access up to 2A months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. ' • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless OJ2010 Disc- Bank, Member FDIC PAPER.0310 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 90.18 TOTAL INTEREST CHARGED IN 2010 1,511.46 d z 2 m D O_ i? N m N Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER tt pays w MARK WADAS DISCOVER Account number ending in 8863 Me 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR} is the annual interest rate on your account Current Billing Period: 31 days BALANCE TYPE OF BALANCE RAANNUAL TE (/Ip jERCENTAGE INTEREST RATE SUBJECT TO INTEREST CHARGE Purchases 14.24% V $225.32 $2.71 Past Purchases 17.24% V $5,421.04 $79.39 Cash Advances 23.99% V $3,494.13 $71.20 V = Variable Rate Additional Important Informaton. See your Cordmentber Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Cal 1400-3A7-2683. "Mat To Do If You Think You Fired A Migto g On Your SWsmon • If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the followfng information: • Account information: Your name and account number. • Dom amount: The dollar amount of the suspected error. • DosaalPtis Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe F is a mishtke. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors i r tin .You may call us, but if you do we are not required to investigate any potential errors and you may have to pay a amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to colleel the amount in question, or report you as delinquent on that amount. • The charge in guestion may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine Ntat 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 ft*rs if You Are DissafisPed With Your Credit Card Purcha?• If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.j 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card 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 w?ritina at: Discover, PO Box 30945, Sak Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. 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. Ppyrnenis. 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 Due Date. Send only your payment and the tap portion of this statement in the envelope rowded. Dt send cosh. By sending your check as described above, you authorize us to use information on your check ?q make an enic Grnd transfer from your account at the financial inatitution indicated on your check or to process the payment as a k tract ion. F ayment is procesFor the amount of e check. we use informoflon om your cheek to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your Payment, and you will not receive your check back from your financial institution. The processing of out payment may be delayed if you send cash, correspondence or other items w!X1 ur payment, if you send the payment fo any ether address or if you use an envelops other than the one provided. orved in per frnrm at our processing lacilify byy 5PM local time on arty d wiH be credited toyo ur Account as of that day. Payments received at our processing faeddy after 5PM kxal time Nnli? credited to your AeeouM as of the next day IF you have rr}faplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7.10 ys For delivery. IF your payment is ro ad unpaid, we reserve the rlg?it to resubmit tt oa an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION MOWER 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 1-804347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ment date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekeru7 or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b teleepphone, you will need this statement and your bank account information. You will 68 asked to provide the last four (4?digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ent you authorize, in the amount selected by you, from your bank account. You also autfrorrza us to initiate debit or credd entries to your bank account, as applirnble, to correct an erro r in the processing of such payment. You can cancel a scheduled poymerd by phone at 1-800 347.2683 or by mail at Discover, PO Box 30421, Sah Lake City, UT 84130.0421; however we must receive notice of least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that suffic rant 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 rwt 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. It your scheduled payment is greater than the New Balance on your billin g statement, that payment will be processed only for the amount of your Now Balance. Your automatic payment amount maybe Tess 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$ CD Bank Routing #: ; dank Account #: ;Frequency: Z Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or o 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 re rt is inaccurate or incomplete, please write °o us at the following address: Discover, PO Box 15316, Wilmington, DE 1 985 0-53 1 6. Please indicate your name, address, ro home telephone number and Account number. Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billinngg ppeeriod in which R is posted to your Account. We continue to impose Interest Charges until the date you pay your entireTlew Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or anY portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period.' It is not less than 25 daayys. There is no race period on bolance transfers or cash advances. As more fully described in the section of your Cardmember Aggreement tilled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current illrng statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is br led. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How we Calculate Interest Charges - Daily Balance Method (including current transactions): We figure Interest Charges for each billing period, To do this: We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those adiustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last cloy of your previous billing period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category 6y its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account offer the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. 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 char as against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more aRer 6 months, or as otherwise required by applicable law. For MD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone tails between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank, Member FDIC OITOK172 Questions? Visit www.Discover.com or DISCOVER cull 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER $9,022.41 s1al.oo Payment Due Date !=wary 13, 2011 18 SDSN8A01 0012509 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 11863 Enter Amount Enclosed Below Pay online at www.Di3cover.com or make check payable to Discover. Phone and internet poyments must be mods by 5=pm ET for same day posting. Text APP to MSCOW to receive a link to our free mobile app and pay your bill in seconds from anywhereI PO BOX 71084 illnrrlluuulilntl11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changel l l Ilnlnnlrllunlu n urlllllnln niluln inlrlnll r r n i l Go to www.Diseavor.com or print change in space above. nr 0000019864580115803]£9090224100000000018100 .Opening Date: November 19, 2010 - Dosing Dale: De Discover More Card Account Summary Account number ending in 8863 Previous Balance $9,074.34 Payments And Credits - 200.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 148.07 Fees Charged + 0.00 New Balance 9,022.41 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Llne Available $1,477.00 Cash Advance Credit line $4,800.00 Cash Advance Credit Line Available $1,477.00 Cashback Bonus' Anniversary Month January Opening Cashback Bonus Balance $ A.59 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 4.59 To learn more, log in al www,Oisc*ver.com wmwI r v, cv rv FUV r yr Payment Information New Balance $9,022.A1 Minimum Payment Due $181.00 Payment Due Date January 13, 2011 Irate Payment Warning: If we do not receive your minimum payment by the dodo 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 19.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: - - - --------- ----- •.•.....:.... •:...:: ..:.':? ,.:....... ..3.i....,.....::: :#M'::;:z..,iz:,.?:...::.: ?<:fit;.:, Ei? Only the minimum 36 years $A7,902 payment $335 3 years 12.05 Savings - $35,848 ) If you would like information about credit counseling services, call 1-800.347-1121. 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1-8004)ISCOVER (1-804347.26831 Please have your Discover®card available 3. Write to us at Discover, PO Box 30943, Sok 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 97-61 03 For TDD f telecommunications Device for the Deaf) assistance, pin=s' call 1.804347.7449. Manage Your Account Online at www.Discover.com • Access free online tools like Po*,wn Planner to create a plan to pay down your balance, securely access statements, pay bilk online and easily track all transactions • Make your money worth moresM-find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions Trans. Pa=r Dare Date Payments and Credits Dec 9 Dec 9 INTERNET PAYMENT - THANK YOU $ •200.00 Fees TOTAL FEES FOR THIS PERIOD $ 0100 interest Charged INTEREST CHARGE ON PURCHASES $ 78.43 INTEREST CHARGE ON CASH ADVANCES 69.64 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL Rd REST FOR THIS PERIOD 148.07 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC ER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Bank, Member FDIC PAPER.0310 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 90.18 TOTAL INTEREST CHARGED IN 2010 1,659.53 0 z Z m D o_ 0 _o N N V Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER DIt pap to ISC MARK Account number ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Biling Period: 30 days TYPE OF SAUWCE ANNUAL PERCENTAGE C (a TO ALAN AV INTf EST Ct1A1tGE R R E Purchases 14.24% V $72.83 $0.85 Post Purchases 17.24% V $5,475.11 $77.58 Gash Advances 2199% V $3,531.39 $69.64 V = Variable Rate Additional Important information. Soo your Cardmemiser Agreement Your Cordmember Agreement contains all the terms of your Account. First or stolen cards. Report immediatelyl Call 1-800-347.2683. What To Do If You Think You Find A Mistake On Your Stoterrrent if you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In, your letter, give us the Following information: • Account information: Your name and account number. • Doligr omount: The dollar amount of the suspected error. • Des i i of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors ' din S. You may call us, but if you do we are not required to investigate any potentiat errors and you may have to pay t e amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot fry ;;;?tion lect the amount in question, or report you as delinquent on that amount. The chrge in ay remain on your statement, and we may continue to charge you interest on that amount. But, iF we determine we made a mistake, you will not have to pay the amount in question or any interest or other Fees related to that amount. • While you do not have to pay the amount in question, you ore responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Uur Rights IF You Dissotisfiod Wtlh Your Coedit Card Purrhoses if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good foilh to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase, if all of the criteria above are met and you are All dissatisfied with the purchase, contact us in writin at: Discover, PO Box 30945, Soft Lake CC yi , 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 maypa y oll or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. Byy sending your check as described above, you authorize us to use information on your check ¢ make an electronic hind from, r 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 some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you s"nd the payment to anyy other address or if you use an envelope then than the one provided. Payments received m proper form at our processing Factlily 5PM local time on any ?y wdl be cred'Aed fo your Account as of that day. Payments received at our processing facdr after 5PM local time will 6e credited to your Account as of the Wend day. If you have m Fitaced your envelope, send your payment to Diswver, PO Box 6103 Carol Stream, ll 60197 6103. Please allow 7-10 c)ays for delivery . If your payment is returned unpaid, we reserve the rfgl7t to resubmit it as an electronic debit. 'NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 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 serv ice 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.g. the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, yqu will need this statement and your bank account information. You will be asked to ra ide the last four (41 dig' of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and Your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credi entries to your bank account, as a licoble, to correct on error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800 347-2683 or by mail at Discover, PO M. 30421, Salt Lake City, UT 84130.OA21; 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 biNing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is rector 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 billin statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay+ $ , ? Fixed Pay$ , Bank Routing #: ; Bank Account #: ; Frequency-.-. Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed 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, W lmington, DE 19850.5311& Please indicate your name, address, home telephone number and Account number. Paying Interest. We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by Making payments or receiving credits. If you paid the New Balance on your previous billing statement 6y the Payment Due Dale shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billingy sfofemeM, or anY portion of a new purchase, paid by the Faymant Due Date on your current billing statement. We call this tFie "grace period.' It is not less than 25 days There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmember ggreement titled "How We Apply Payments," we generally apply payments fo your Account based on the APR applicable to tFie balance of each transac ion category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on Fhe amount of your payment and the APRs on other balances, you may not get or grace period on new purchases. Annual Fee. IF your Account has an annual fee, it will be billed at the be inning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Cord during that period. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We figure interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any interest Charges accrued on the previous day's daily balance. We d%, subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your }dance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add anew transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charqed to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. IF your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For MD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank, Member FDIC OITBK172 Cl) 0 Z m n 0 S Questions? Visit www.Discover.com or DISCOVER call 1-8MDISCOVER (1-800-3d7-2683 . DISCOVER 18 SDSN6A01 0012510 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 8863 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. TextAPP to DISCOV• to receive a link to our free mobile app and pay your bill in seconds from anywhereI PO BOX 71084 III 11111111111 11111 11111111 CHARLOTTE NC 28272-1084 Address, a-moil or telephone changer 11111] 1If 11111111If I l11111111 l fill rl1111111111111if 1III If I I III Go to www.Dixovar.com or print change in space above. 000001986458011560319089946800000000018000 Opening Dale: December 19, 2010 - Dosing Dole: Ja Discover More Card Account Summary I Account number ending in 8863 Previous Balance $9,022.41 Payments And Credits 181.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 153.27 Fees Charged + 0100 New Balance 8,994.68 See Interest Charge Calculation section Following transactions for detailed APR information Credit line $10,500.00 Credit Line Available $1,505.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Line Available $1,505.00 New Balance Minimum Payment Due $6,994.68 $180,00 Payment Due Date February 13, 2011 tuary 18, 2011 pace of 2 Payment Information New Balance $8,994.68 Minimum Payment Due $180.00 Payment Due Date February 13, 2011 Lacs 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 19.24% 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: it t?E,.E .;:iz ? s 4 ? ° t .' .ii ina+ • :.•,.. '.bt'. a Only the minimum 36 years $47737 Payment $334 3 years Savings s = $ = $35,709 ) If you would like information about credit counseling services, call 1.800.347-1121. Cashbock Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 4.59 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 4.59 To tram more, login at www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.DiKover corn 2. Call 1-800.DISCOVER (1-800.347-268)) Please have your Discavw* card available. 3. Write to us at Discover PO Box 30943, Safi Lake City, UT 841130 (Not a payment address{ For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay 61113 online and easily track all transactions • Make your money worth moreSM -find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions Trans. Post Dart Data Payments and Credits Jan 13 Jan 13 INTERNET PAYMENT - THANK YOU $ -181.00 Fees TOTAL FEES FOR THIS PERIOD S 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 80.10 INTEREST CHARGE ON CASH ADVANCES 73.17 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 153.27 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 rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercorn/paperless 02010 Discover Bank, Mem6er FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 153.27 In z?z ffi D o_ 0 0 N ut 0 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to'-? MARK WADAS _I Account number ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Currant Billing Period: 31 days TYPE OF BALANCE Purchases Past Purchases Cash Advances V = Variable Rate AddBional Irnporlant Information. See your Cardmembw Agroemont. ANNUAL PERCENTAGE 14.24% V 17.24% V 23.99% V BALANCE SUBJECT TO INTEREST RATE $0.68 $5,470.11 $3,590.73 INTEREST CHARGE $0 $80.10 $73.17 Your Cardmember Agreement contains all the terms of your Account. Lost or sbkn cards. Report immediatelyl Call 1-800347.2683. What To Do / You ThPnk You Fend A Mistake On Yesur Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sob Lake City, UT 84 1 30-042 1. 1n your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. n of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it ,3 0 • Descrimists e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors iinn writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay?oount 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 =11 ion may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine e made a mistake, you wiU not hove 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, rim are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit t. Your Rights if You Ares}asatis W6% Your Credit Card ftrchases If you are dissatisfied with the goods or services that you trove purchased with your credit card, and you have tried inugood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount de 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 said you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If ail of the criteria above are met and you are 31i11 dissatisfied with the purchase, contact us in writin at: Discover, PO Box 30945, So% Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You in ?ay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope PProvided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send ash, correspondence or other items with your payment, if you senei the payment fo any nll»r address ex if you use on envelope other than the one provided. Payments received in proper form at our processing facility byy SPIN local tiin.. any dayy will be aedited to your Account as of that day. Payments received at our prexesaing faeiUly after 5PM teed ilme wail be credited to your Account as of Mee next day. IF you have misplaced your snvsbpe, send your payment to on PO Boz 6103 Carol Stream, IL 601 97 6 1 03. 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ant date (e. ., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date Falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b talephone, you will need this statement and your bank account information. You will be asked to provide the last four (4rdiglx of the social security number of the primary borrower. By providing those numbers as youv electronic signature, you will be agreeing to this authorization to allow vs and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, o correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800 347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-042 1; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly 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 «couM, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing, statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the schedled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. It your scheduled payment is greater than the New Balance on your billing stotement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records. Amount: ? Full Pay Min Pay ? Min Pay + $ ? Fixed Roy$ Bank Routing Bank Account #:? ; Frequency: Credit Reporting, We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-53116. Please indicate your name, address, home telephone number and Account number. Paying Interest: We be in to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you payyour entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billingg statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period. any It is not less than 25 days. There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmember ggreement titled "How We Apply Payments," we general)y apply payments to your Account based on the APR applicable to t a balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Foe. If your Account has an annual fee, it will be billed at the be inning of each anniversary year our Account is open. The amount of the Fee appears on the statement when the Fee is billed. The annual Fee is not refundyable unless you note us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is bi ed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the bill'ing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous bi(fing period. This gives us the doily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. AM fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Ba once Transfer fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown 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 abler 6 months, or as otherwise required by applicable low. For MD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank, Member FDIC 01T8K172 QUeStiOnS? Visit www.Discover.com or DISCOVER cal( 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER $10,280A7 $206.00 Payment Due Date March 13, 2011 18 SDSNSA01 0012511 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 PO BOX 71084 Illn+ Ii<.+?,slllsalaat,lll CHARLOTTE NC 28272-1084 Addreu,e-mail ortelephone change? i?n?na?r??naiu alrrallllualululullniuinlalull Go to www.Discover.com or print change in space above. as a Account Number ending in 8863 Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover. Phone and intereet payments must be made by 5:00pm ET for same day posting. Text AP P to DISCOV• to receive a lints to our free mobile app and pay your bill in seconds from anywherel 000001966458011580319102804700000000020600 iry 18, 2011 page 1 of 2 Opening Date: January 19, 2011 - Closing Date: Febl Discover More Card Account Summary Account number ending in 8863 Previous Balance $8,994.68 Payments And Credits 180.00 Purchases + 0.00 Balance Transfers + 1,250.00 Cash Advances + 0.00 Fees Charged + 62.50 Interest Charged + 153.29 New Balance 10,280.47 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Line Available $219.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Line Available $219.00 Cashback Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 4.59 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 4.59 To Imm more, log in al www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovw corn 2. Call 1-800-DISCOVER (1-800.347-26831 Please have your Discover* card available 3. Write to us at Discover x _PO Box 30943, Salt Lake City, UT 8413b (NoI a payment address' For payments, please send to address on remittance or Discover, PO Box 6103, Card Stream, IL 6019716103 For TDD (Telecommunications Device for the Deafl assistance, please call 1.800347.7449. Payment Information New Balance Minimum Payment Due Payment Due Date $10,280.A7 $206.00 March 13, 2011 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a lode 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 1924% 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: ....::.v :..:...; .?. ?..... ? :., _..:.: ?,v.,...e?^ix;. ,.... ? A k.?:..:..GS?....A;R f:'.`•,.f:?ifEi:^. ?: 2 Only the minimum AO years $58,905 payment $375 3 yeah 13,497 Savings = $45,408) IF you would like information about credit counseling services, call 1-800.347.1121. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moresm-final easy ways to earn and redeem cash rewards • NEW! Access your account securely through your mobile phone Transactions Trans. DPost ate Payments and Credits Feb 13 Feb 13 INTERNET PAYMENT - THANK YOU $ -180.00 Balance Transfers Feb 17 Feb 17 BALANCE TRANSFER CHECK 0347 USA $ 1,250.00 APR 0.00% EXPIRES 03/2012 Fees Feb 17 Feb 17 BAL TRANS FEE $ 62.50 TOTAL FEES FOR THIS PERIOD 62.50 Interest Charged INTEREST CHARGE ON PURCHASES $ 78.62 INTEREST CHARGE ON CASH ADVANCES 7467 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadabfe, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/poperless 02010 Discover Bonk, M-6e, FDIC Transactions Trans, Post cont.) Dare Date interest Charged INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 PAPER-0310 O z z D $ 0.00 a 0 N 153.29 V $ 62.50 306.56 Questions? Visit www.Discover.com or DISCOVER tail 1-800-DISCOVER (1-800-347-26831. DISCOVER In pays 10 DIS MARK DAS 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 ANNUALP ERCENTAGE B ANN CE SUB ECT TO INTEREST CHARGE ) RATE S T R Purchases 14.24% V $0 $0 Past Purchases 17.24% V $5,369.37 $78.62 Cash Advances 23.99% V $3,664.62 $74.67 Balance Transfers 0.00% $84.67 $0 V = Variable Rate Addhional lmporront Information See your Cardmnember Agreement Your Cordmember Agreement contains all the terms of your Account. Lost or atolerr cards. Report immedtatelyl Call 1-800-347-2683. What To Do N You Think You Find A MLtake On Your Statement if you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sob Lake City, UT 8A 130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amounF. The dollar amount of the suspected error. • Descri lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists. e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to poy the amount in question, yOu are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your ftfits N You Are Dissatisfied 11VUh Your Credit Card Pure hases if you are dissatisfied with the goods or services that you have purchased with your credit card, and you hove 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 most have been more than $50. (Note: Neither of these ate necessary if your pvrchtise was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wrifino at: Discover, PO Box 30945, Soft lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tall you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. Yov may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dafe. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as descrnbed alcove, you authorize us to use information on your check to mnke on electronic fund transfer from your account at The firwnciah institution indicated on your check or 10 paymenI as a check transaction. If pa eni is processed as an electronic fund transfer, the transfer will be Forprocess the oureit 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 soma day we receive your payment, and you will not receive, our check back from your financial institution. The proceuing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to cmyy otfter address or if you use an envelope other than the one provided. Payments recervod m proper form at our procsssir?q (acilily by 5PM local time on any dayy will be credited to your Account as of that day Payments received at our processing faeihly after 5PM local time will be endued to r Account as of the neat day IF you hwe misplaced your envelope, send yaw payment to Dtseover, PO Box 6103 Cord Stream, IL 601476103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rlg?t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC VEIL You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date (e.g. the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date Falls on a weekend or bank holiday, your payment will 5e 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 (4fdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each p meat you authorize, in the amount selected by you, from your Bonk account. You also aulhonze us to initiate debit or it entries to your bank account, as a licable 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, Sak Lake City, UT 8A 130 04 2 1; however we must receive notice at least three business days in advance of the scheduled paymenF. 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 poymeM 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 processed 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 Bank Account #: ; Frequency: Credit Repa»ing. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe char our report is inaccurate or incomplete, please write us of the following address: Discover, PO Box 1531 b, WYlmingfon, 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 daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases "Grace Period" It -you pal the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or anyy portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases thaf first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If do not pay your NZA.Ionce in full 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 billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add ony new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the Baily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer-Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this 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 char es. 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 low. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFEOOI Questions? Visit www.Discover.com or DISC?VFR call 1-800-DISCOVER (1-800-347-2683). r New Balance Minimum Payment Due DISCOVER 410,458.31 4210,00 Payment Due Date April 13, 2011 18 SDSN6A010012512 NARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 8863 Enter Amount Enclosed Below $1 Pay online at www.Discover,com or make check payable to Discover. Phone and intemst payments must be made by 5:00pm ET for same day posting. Taxi APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 Ill. Ill I 111111111111111111111] CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? I I Ilulunlrllurln tlurllllutlnlrtlnlLrlulnlrlull Go to www.Discover corn or print change in space above. t r r I 000001986458011580319104583100000000021000 rch 18, 2011 paw 1 of 2 Opening Date: February 19, 2011 - Closing Date: Mx Discover More Card Account Summary I Account number ending in 8863 Previous Balance $10,280.47 Payments And Credits 206.00 Purchases + 0.00 Balance Transfers + 200.00 Cash Advances + 0.00 Fees Charged + 45.00 Interest Charged + 138.84 New Balance $10,458.31 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Line Available $41.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Line Available $41.00 Cashbock Bonuse Anniversary Month 3aauary Opening Cashback Bonus Balance $ 4,59 New Cosh6ock Bonus This Period + 0.00 Cashback Bonus Balance $ 4.59 To learn more, log In at www.Diwover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovercom 2. Call 1-8004)ISCOVER (1.800347.26831 Please have your Discover* card available. 3, WTNe to US at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address an remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Payment Information New Balance $10,458.31 Minimum Payment Due $210.00 Payment Due Date April 13, 2011 Late Payment Warring: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 19.24% variable. Minimum Payrnerrt 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: R 41 years $60,826 I $381 3 years 13,733 Sevin s F $47,093 ) If you would like information about credit counseling services, call 1-800347-1121. Manage Your Account Online at www.Discover.com • Access free online tools like Poydown Planner to create a plan to_pay down your balance, securely access statements, pay bills online and easily track oil transactions • Make your money worth moresm-find easy ways to earn and redeem cash rewards • NEW Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Mar 13 Mar 13 INTERNET PAYMENT -THANK YOU $ -206.00 Mar 16 Mar 13 RETURNED INTERNET PMT 206.00 Mar 16 Mar 16 REPRESENTED INTERNET PAYMENT-THANK YOU -206.00 Balance Transfers Mar 7 Mar 7 BALANCE TRANSFER CHECK 0348 USA $ 200.00 APR 0.009'. EXPIRES 03/2012 Fees Mar 7 Mar 7 BAL TRANS FEE Mar 13 Mar 13 LATE FEE $ 10.00 35.00 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 irs available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement onytime. • Sign up today at Distovercom/paperless 02010 Discover Bank, Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Dare Fees TOTAL FEES FOR THIS PERIOD $ 45.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 7707 INTEREST CHARGE ON CASH ADVANCES 68.77 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 138.84 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 107.50 TOTAL INTEREST CHARGED IN 2011 445.40 Questions? visit www.Discover.com or ?IJC?VER call 1-800-DISCOVER (1-800-347-2683). z a 0 S N N v DISCOVER It pays ro MARK WADAS DISf' E Account number ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Cwrent Billing Period: 28 days TYPE OF BALANCE Purchases Past Purchases Cash Advances Balance Transfers V = Variable Rate ANNUAL PERCENTAGE 14.24% V 17.24% V 23.99% V 0.00% BAIANCE ?ECf TO IINMEST $0 $5,298.38 $3,736.34 $1,380.41 INTEREST CHARGE $0 $70.07 $68.77 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800347-2683. What To Do If You Think You Fins! 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 841300421. 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 lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mtata ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wwr!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 whether or not there has been an error, the following are true: u as delinquent on that amount. • We cannot try - collect the amount in question, or repo11 • The charge in question may remain on your statement, ae may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Riahts ff You Are Dissatisfied With Your Credit Card Purchases 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. To use this right, all of the following most be true: 1. The purchase must have been made in your home stafe or within 100 miles of your current mailing address, and the purchase price must hove been more than $50. tt,lde: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Sell Lake City, UT 84130*945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You mayppaay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by ?he P?ymenf r3 Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. ending your check as described above, you authorize us to use information on your check fo make an electronic fund trar 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 hansfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of yyour payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any dayyewill be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will b 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 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 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 1-804347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.3., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date fans on a weekenor bank holiday, your payment will be processed the business day prior to the weekend or bunk 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 last four (4?dig{is of the social security number of the primary borrower. By roviding those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you author+ae, in the amount selected by you, from yow bank account. You also authorize us to initiate debit or credit entries to your bank account, as a licable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.804347-2683 ;r-ank by mail aF Discover, PO Box 30421, Salt Lake City, UT 84 1 30.042 1; however we must receive notice at least three busineays in dvancof the hedud pant. If your payments may vary in amount, we ill tayou n each monthlbiig ment when your ymnt will be mde and how much it will be. You must ensure that sufficnt nds are iabe in uaccount, and all transactions must comply with U.S. tow. 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 increased to cover the Minimum Payment Due. If the schedled payment is grenter than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Cbsing Date. If you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ Bank Routing #: Bank Account #: Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Iota payments, missed payments, or other delaults on your Account may be reflected in your credit re rt. We normally report the status and payment history of your Account to credit reporting agencies each month. If you ieve that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198545316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid prying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases "Grace Period" If you pat the Now Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases?a any portion of a new Purchase, paid by the Payment Due Date on your current bif mg statement. Blew Purchases are Purc ases that first appear on the current billing statement. How We Apply Poyments May Impact Your Grace Period yoTF A! o pay your Now balance in tull 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' daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new Iransactions 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 Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. IF your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, For TDD (Telecommunications Deviice for the Deal) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Quesfions? Visit www.Discover'.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER Sit)," 906 18 SDSN6AOt 0012513 MARK WAAAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Minimum Payment Due Account Number ending in 8863 $209.00 Enter Amount Enclosed Below Payment Due Date May 13, 2011 Pay online at www.Dis over,com or make check d internet payable to Discover. Phone an payments most be made by 5:00pm ET for some day posting. Text APP to DI SCOV• to receive a link to out free mobile app and pay your bill in seconds from anywherel PO BOX 71084 Ills+sllnnullls+hsill CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Irl11111111-millitnli1lilirillll?iIli 111iln,lli,ln,l1All pill Go to www.Discover.com or print change in space above. 000001986458011580319104490600000000020900 Opening Dab: March 19, 2011 - Closing Date: April Discover More Card Account Summary Account number ending in 8863 Previous Balance $10,458.31 Payments And Credits 210.00 Purchases + 44.94 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 155.81 New Balance 10,449.06 See Interest Charge Calculation section following transactions for detailed APR information Credit line $10,500.00 Credit Line Available $50.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Una Available $50.00 18, 2011 page 1 of 2 Payment Information New Balance $10,449.06 Minimum Payment Due $209.00 Payment Due Date May 13, 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 19.24% 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: .:. :.. nee .ni.'l:c.: ...:;:.... vn. . Oniy the minimum Al years $60,412 payment $381 3 years 3,713 Savi s - $A6,699 ) IF you would like information about credit counseling services, call 1-800.347.1121. Cashback Bonuse Anniversary Month January Opening Cashbock Bonus Balance $ 4.59 New Coshback Bonus This Period + 0.11 Cashback Bonus Balance $ 4.70 To learn more, log in at www.Discover.com 3 Easy Ways to Contact us 1. Access your account securely at www.Discow.com 2. Call 1-800-DISCOVER (1-800.347.2683) Please have your Discover* card available 3. Write to us of Discover PO Box 30943, Salt Lake City, UT 8416616 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Manage Your Accomt Online at vwwv.D-tscoverxcrn • Access Free online tools like Paydown Planner to create a plan to ly down your balance, securely access statements, pay bill s online and easily track all transactions • Make your money worth moresm -Find easy ways to earn and redeem cash towards • NEWI Access your account securely through your mobile phone TransacHons Trans. P at l Da te Payments and Gedits Mar 21 Mar 16 RETURNED INTERNET PMT $ 206.00 Mar 21 Mar 21 REPRESENTED INTERNET PAYMENT - THANK YOU -206.00 Mar 24 Mar 21 RETURNED INTERNET PMT 206.00 Mar 31 Mar 31 INTERNET PAYMENT - THANK YOU -225.00 Apr 13 Apr 13 INTERNET PAYMENT - THANK YOU -191.00 Supermarkets Apr 17 Apr 17 GIANT 6443 CHAMBERSBURG PA $ 44.94 010030 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC. VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downfoadabie, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless I ®2010 Discover Ba4. Member FDIC PAPER-0310 Transactions Trans. Post (cont.) Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 79.13 INTEREST CHARGE ON CASH ADVANCES 76.68 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 155.81 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 107.50 TOTAL INTEREST CHARGED IN 2011 601.21 Cl) 0 0 0 _o N w V Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (7-800-347-2683). DISCOVER trpaysro MAWA Accouount number ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE C ESUBJECT TO INTEREST CHARGE T ES Purchases 14.24% V $38.11 $0.47 Past Purchases 17.24% V $5,372.71 $78.66 Cash Advances 23.99% V $3,763.21 $76.68 Balance Transfers 0.00% $1,393.78 $0 Previous Billing Period: 28 dayst TYPE OF BALANCE E LPPERCENTAGE N ALAANCE SSUI ECf TO INTEREST CHARGE R AT ?, ER RATE Balance Transfers 0.00% $22.08 $0 t Previous billing period adiviy due to returned payments. V = Variable Rate Additional Important Information See your Cordmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1800.347-2683. What To Do if You Think You Find A Mistake On Your Statomesst .IF you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 8413"421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. P• riolion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe s a mists cg - You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wn in . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try ta collect tfre amount in question, or report you as delinquent on that amount. • The charge fn question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpoid amount against your credit limit. Your 9fahts if You Are DissalWe d Wiest 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" remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above ore met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Sob Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will fell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You m all or part of your Account ay balance at any time. However, you must pay at least the Minimum Payment Due by the t a?yment Due Date. Send only your payment and the top on of this statement in the envelope send cash. By aerrdin your cf?eek as deaeribed above, you authorize us to use information on your check ror,ded. Do not Fo make an electronic fund hander froyour account at the Financial institution indicated on your check or to process the payment as a check transaction. If paent a processed as an electronic fund transfer the transfer will be For the amount of the cheek. When we use information m you r, fus mbe withdrawn from your account as oon athe same dwe reive your paymem, and you will rat receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other Ihan the one provided. Poymerds received in proper form aF our processing facilf y by 5PM kxal time on arty day wdl be ttedifed to your AccovM as of that day. Payments received at our processing Faeil after 5PM kxd time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Dtseovar, PO Box 6103 Carol Sheam, IL 601976103. Please allow 7-10 days For delivery. IF your payment is returned unpaid, we reserve the rig?if to resubmit H as an elechonic debit. NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 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 1-800-3Q7-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e. ., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4?digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to This authorization to allow us and your bank to deduct each =ant you authorize, in the amount selected by you, ham your b ocou ntank a. You also authorize us to initiate debit or credit entries to your bank account, as applica p aymble, o correct an error in the processing of such payment. You can cancel a scheduled ent by phone at 1 800 347-2683 or by mat) at Discover, PO Box 30Q21, Salt Lake City, UT 84130-042 1; however we must receive notice of least three business days in advance of the scheduled payment. IF your payments may vary in amount, we will tell you on each morrthl(yy 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 It transactions must comply with U.S. (aw, 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) o fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum ayment 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 billin g statement, that payment will be processed 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 Bank Account #: Frequency: Gediz Reporting. We may report information obout 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 u believe Ihat our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, ilmington, DE 198545316. Please indicate your name, address, home,telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction fee or interest charge From the day we add it to the daily balance. We continue to impose interest charges until you pay tie total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paving Interest on Purchases J"Grace Period" iFyou pat the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases 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 hill 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 "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest' section). How We Figure Your Total Interest Charges We 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 fhe standard Purchase Transaction Category. Balance subject to interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remgining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for die Deafl assistance, please call I-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or call i-800-DISCOVER (1-800-347-26831. DISCOVER $10,19E21e si04t? Payment Due Payment Due Date June 13, 2011 18 SDSN6A01 0012514 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 1.2011 PD BOX 71084 I{Inn{{nnnl{{n{un{{{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes I { {Inlarlr{{nrln{rlnrl{{{nr?u{rrlulln{ululrlnll Go to www.Discovercorrr or print change in space above. 000001986458011580319101962100000000020400 Opening Bate: April 19, 2011 - Closing Date: May II Discover More Card Account Summary Account number ending in 8863 Previous Balance $10,449.06 Payments And Credits 400.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 147.15 New Balance 10,196.21 See Interest Charge Calculation section following transactions for detailed APR information Credit line $10,500.00 Credit Line Available $303.00 Cash Advance Credit line $4,800.00 Cash Advance Credit Line Available $303.00 Coshback Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 4.70 New Coshback Bonus This Period + 0.00 Cash6ack Bonus Balance $ 4.70 To learn more, lag in at www.Di"ovor.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.corn 2. Call IZDISCOVER (1-800.347-2683) Please have your Diseoverecard available 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) Wows Forscpayver, PLO Box 6103, Carol S exam, IL 601 103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Account Number ending in 8863 Enter Amount Enclosed Below, $1 Pay online at www.Discover.com or make check payable to Discover. Phone and internst payments must be made by 5:00pm ET For some day posting. TextAPP to DISCOV• to receive a link to our free mobile app and pay your bill In seconds from anywhere) page 1 of 2 Payment Information New Balance $10,196.21 Minimum Payment Due $204.00 Payment Due Date June 13, 2011 Late Payment Waning: If we do riot 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 row transactions may be increased up to the Penalty APR of 1914% 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 baksnce. For example: yy??•.. ..:.ter ••... Y` Only the minimum 40 years $57,970 paymem $372 3 years 131 08 Sovings - $44,562 j If you would like information about credit counseling services, call 1-800347-1121. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to Fay down your balance, securely access statements, pay bil s online and easily track all transactions • Make your money worth moresm -find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions Post Trans. D a Payments and Credits Apr 21 Apr 21 INTERNET PAYMENT - THANK YOU $ 400.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 78.18 INTEREST CHARGE ON CASH ADVANCES 68.97 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL MEREST FOR THIS PERIOD 147.15 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easity access up to 24 months of downloadobie, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover-com/papedess 02010 Discover Bank, Member FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 107.50 TOTAL INTEREST CHARGED IN 2011 748.36 rn O z Z m D o_ 0 0 N N A V Questions? Visit www.Discover.com or DISCOVER call I-800-DISCOVER (1-800-347-2683). DISCOVER Itt'anro MARK WADAS nf4C't1 VFR: Account number ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current BAling Period: 30 days TYPE OF BALANCE Purchases Past Purchases Cash Advances Balance Transfers V = Variable Rate ANNUALP)ERCENTAGE 14.24% V 17.24% V 23.99% V 0.00% BALANCE SUBJECT TO MREST RATE $80.86 $5,450.64 $3,497.81 $1,117.43 INTEREST CHARGE $0.94 $77.24 $68.97 $0 Additional Importont Informafiron See your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800347-2683. What To Do N You Think You Find A N1lstake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount. The dollar amount of the suspected error. • Descri lion f Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists ce. You must contact us within 60 days aRer the error appeared on your statement. You must notify us of any potential errors m 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 hY to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dbsatirfred 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 pro em with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Suit take Ci yf , UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay of least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope ovded. Do not send cash. By sending your check as described above, you authorize us to use information on your check rmake an electronic fund tronsTer 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 am your check to make an electronic fund transfer, Funds may be withdrawn From your account as soon as the some day we receive your payment, and you will not receive your check back From your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you sendpthe payment fo arty other address or if you use an envelope other than fhe one provided. Payments received in proper farm at our processing facility ((??yy SPM kxal time on any ?y wiA 6e credited to your Account as of chat day. Payments received at our processmg fauliiy aRer SPM kxal time will 6e credited to your Account as of the next day If you have misplaced your envelope, send yaur payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 7-10 days For delivery. IF your payment is returned unpaid, we reserve the rig(it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 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 Fg ent date (e. the 15th day of the month) that occurs before your Payment Due Date. If your schedu{ed payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4?digits of the social security number of the primary borrower. fay providing those numbers as your electronic signcofure, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authonze 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 1-804347-2683 or by mail at Discover, PO Box 30421, It Lake City, UT 84 1 34-042 1; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment wi{I 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 Cordmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. IF you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ , Bank Routing #r_ ; Bank Account #: ; Frequency: Credit Reportmg. 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 yyoou believe that our report is inaccurate or incomplete, please write us at If following address: Discover, PO Box 15316, V?ilmington, DE 198545316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Poyin Interest on Purchases ("Grace Period"1 YOU p1F- aid he New balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or on portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purc?oses that first appear on the current billing statement. How We A I Pa gents May Impact Your Grace Period you o not pay your New balance in hill 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 "daily balance' for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the Tast day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for floe Deaf) assistance, please call 1-800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or p?SC?VER call 1-800-DISCOVER (1-800-347-2683. DISCOVER New Balance Minimum Payment Due $101125A4 $203.00 Payment Due Date July 13, 2011 18 SDSN8A01 0012515 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 8863 Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover. Phone and interest payments must be made by 6:00pm ET for some day posting. Text APP to DISCOV• to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 116nllurrulllas1111alll CHARLOTTE NC 28272-1084 Address, e-mail or telephone changel Ili III IsliranllIII ullllnlrnlllllsill III "Illillill1111lnlHll Go to www.Discover.com or print change in space above. 000001986458011580319101254400000000020300 Date: May 19, 2011 - Closing Date: June It Discover More Card Account Summary Account number ending in 8863 Previous Baksnce $10,196.21 Payments And Credits 225.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 154.23 New Balance 10,125.44 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Line Available $37A.00 Cash Advance Credit line $4,800.00 Cash Advance Credit Line Available $374.00 LasnoaaK oonus- Anniversary Month January Opening Cashback Bonus Balance $ 4.70 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 4.70 To learn more, 69 in of www.Discovor.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovercom 2. Call 1.800-DISCOVER (1.800.3A7--2683 Please have your Discover* card ovoilab e. 3. Write to us at Discover PO Box 30943, Salt Lake City UT 841 r30 (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 Deol) assistance, please call 1.800.347-7A49. ,2011 page 1 of 2 Payment Information New Balance $10,125.44 Minimum Payment Due $203.00 Payment Due Date July 13, 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 19.24% variable. Minimum Payrnent 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 40 years $57,547 $371 3 years 13,355 Savin s = $44,192 ) If you would like information about credit counseling services, call 1.800.3A74121. Manage Your Aaount Online at www.Discwer.com • Access free online tools like Paydown Planner to create a plan to day down your balance, securely access statements, pay bit s online and easily track all transactions • Make your money worth more6M-find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions Date Post Date Payments and Credits Jun 6 Jun 6 INTERNET PAYMENT - THANK YOU $ .225.00 Foes TOTAL FEES FOR TM PERIOD $ 0.00 interest Charged INTEREST CHARGE ON PURCHASES $ 81.96 INTEREST CHARGE ON CASH ADVANCES 72.27 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 154.23 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC ,V Paperless statements mean less clutter, more convenience Easily access up to 2,4 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. + • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless I 02010 Discover Bonk, Member FDIC PAPER.0310 0 Cl) Z m D o_ g 2011 Totals Year-to-Date T TOTAL FEES CHARGED IN 2011 $ 107.50 TOTAL INTEREST CHARGED IN 2011 902.59 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER It Por to MARK WADAS ---! Account number ending in 8863 page 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR) Is the annual interest rate on your account. Current BRling Period: 31 days TYPE OF BALANCE ? EUA PERCENTAGE BCE SUBJECT TO INTEREST CHARGE (APPJ INTEREST RATE Purchases 14.24% V $81.82 $0.98 Past Purchases 17.24% V $5,529.73 $80.98 Cash Advances 23.99% V $3,546.80 $72.27 Balance Transfers 0.00% $1,017.95 $0 V n Variable Rate Additional Mtportant Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Col 1400-347.2683. WVhW To Do N You Think You Find A Mistake On Your Statement if you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130A421. in your letter, give us the following information: • Account information: Your name and .account number. • Dollar amount: The dollar amount of the suspected error. • Desuiption 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 mistaTce. You must contact us within 60 days after the orror appeared on your statement. You must notify us of any potential errors in wwMi 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 to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Riahts If You Are Disserds&d Wills Your Credit Card Purichases 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 mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decishon. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You maypay all or part of your Account balance at any 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 ptovhded. Do oat send cash. By sending your check w deieribed above, you outtwrize us io use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. IF payment is processed as an electronic Fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send $he payment o arty other address or if you use an envelope other than the one provided. Paymen s received to proper form at our processing facility by SPM local time on any d? wh6 be credited to your Account as of that day. Payments received at our proceasmg faaldy after 5PM local time wEA be credited to your Account as of the next day. If you have mispk?ced your envelope, send your payment to Diaeover, PO Box 6103 Carol Stream, ll 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*YER 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 l 5th dcry of the month) that occurs before your Payment Due Dote. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business dayp rior to the weekend or bank holiday. In order to schedule monthly payments by tole pPhone, you will need this statement and your bank account information. You will be asked to provide the last four (4f digifa of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization To allow us and your bank to deduct each pa ent you authorize, in the amount selected by you, from your bank account. You also outfrorize 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, It Lake City, UT 84130-0421; however we must receive notice at feast three business days in advance of the seheduled 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 0 will be. You must ensure that sufficient funds are available in your bank account, and oil transactions must wmply with U.S. low. You can set automatic payments for: (!) statement New Balance, Iii) 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 far that month will be increased to cover the Minimum Payment Due. If the scheduled payment is renter than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. I?your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the fallowing blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay+ $ , ? Fixed Pay$ Bank Routing t2: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Wilmington, you believe that our report is inaccurate or incomplete, please write us at the Following address: Discover, PO Box 15316, Wilmington, DE 1 9850-53 1 6. Please Indicote your name, address, home telephone number and Account number. Paying interest: We beoin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay 116 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 Advances. How to Avoid Pa in Interest on Purchases ("Grace Period") 11 IOU poi the New balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or an portion of a new Purchase, paid by the Payment Due Date on your current billing ak ferment. New Purchases are PurAoses shot First appear on the current billing statement. How We Apply Payments May Impact Your Grace Period yEl^ u do not pay your ew a once in tull 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 "daily balance" for each Transaction Category. Transaction Cotegories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying interest" section). How We Figure Your Total Interest Charges We multiply the doily 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 odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. IF your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more offer 6 months, or as otherwise required by applicable taw. For TDD (Telecommunications Device for the Deafl assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes- The Discoverocard is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or DISCOVER calf 1-800-DISCOVER (1-800-347-2683). New Balance DI COVER Minimum Payment Due Account Number ending in 886:3 $10,051.92 S $202.00 Enter Amount Enclosed Below Payment Due Date $ 1 August 13, 2011 Pay online at www.Discover.com or mwe c )36c payable to Discover. Phone and interns i payments must be mods by 5:00pm Elf to ::: me day posting. 18 SOSNBA01 0012516 MARK WADAS TextAPP to DISCOV' to receive a lint t Y our and pay your bill in se x rids free Mobile r 111 N PENN ST from anmwr e! SHIPPENSBURG PA 17257-1311 PO BOX 71084 Ill r+sl(runr111sills%Ill I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change3 Go to www.Disc~.com or print change in space above (n(r(tar(uslr!(urlulrlur!lllrn(u(u(r+(!rr(n!n(r(nI ( . 000001986458011580319100519200000000020200 2011 page 1 of 2 Opening Date: June 19, 2011 - Closing Date: July 18 Discover More Card Account Summary Account number ending in 8863 Previous Balance $10,125.44 Payments And Credits 225.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 151.48 New Balance 10,051.92 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Line Available $448.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Line Available $448.00 Cashback Bonus" Anniversary Month January Opening Cash6ack Bonus Balance $ 4.70 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 4.70 To kern mart, lop in of www.Disco"r.com 3 Easy Ways to Contact Ifs 1, Access your account securely at www.DJscevwawn 2. Call )-800.DISCOVER (1.800-347-2683) Please have your Discover®card availab s. 3. Write to us at Discover PO Sox 30943, Sah Lake City, UT 841 50 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449. Payment Information New Balance $1 ), )51.92 Minimum Payment Due $ 202.OD Payment Due Date August 1; I, 2011 Lab Payment Warning: If we do not receive your minimi m payment by the date ilsted above, you may have to pay 3 late fee of up to $35.00 and your purchase and balance trar sfer APRs for new tronsodions may be increased up to the °e nally APR of 19.2495 variable. Minimum Payment Warning: If you make only the minirrum payment each period, you will pay more in interest and t will take you longer to pay off your balance. For example: * twn -' Only the minimum 39 years $57,' 13 Payment $369 3 years $13,296 Savings ; $43,817) If you would like information about credit counseling services, tali 1-800047-1121. Manage Your Account Online at www.Discover com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay 6if s online and easily track ah transactions • Make your money worth morel-find easy ways to earn and redeem cosh rewords • NEWT Access your account securely through your mobile phone Transactions TD01% Datte Payments and Credits Jul 13 Jul 13 INTERNET PAYMENT - THANK YOU $ -225.00 ,Fees TOTAL FEES FOR THIS PEWD $ 0.00 'Interest Charged INTEREST CHARGE ON PURCHASES S 80.16 INTEREST CHARGE ON CASH ADVANCES 71.02 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 151.48 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D! CR Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox, • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercam/paperless 02010 Discover Bank, Member FDIC i I I "-----_ ? PAPER10310 2411 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 107.50 TOTAL INTEREST CHARGED IN 2011 1,054.07 N O N z m D o_ N U Questions? Visit www.Discover.com or DISC*VER call 1-800-DISCOVER (1-800-347-2683). DISCOVER ti per to I MARK WADAS k._ JAccounk number ending in 8863 page 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE SUBJECT TO BALAN INTEREST CHARGE (APR) T I RATE Purchases 14.24% V $82.79 $0.96 Past Purchases 17.24% V $5,609.96 $79.50 Cash Advances 23.99% V $3,601.83 $71.02 Balance Transfers 0.00% $858.90 $0 V . Variable Rate Additional knportant Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. I" or stolen cards. Report immediatelyl Call I-800-347.2683. Vdhar To Do N You Think You Find A Mistake On Your SraMmonr If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your letter, give us the Following information: • Account Information: Your name and account number. • Dollar amount. The dollar amount of the suspected error. • Dsuriotion of PP bllom: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mwtooTce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors In?writing. You may call us, but if you do we are not required to Investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the Following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay Nile amount in question or any interest or other fees related to that amount. • While you do not have to the amount in question, ou are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit Imo it. Your "ts if You Are Dissarisfled With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay The remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note. Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances From an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have Fully paid for the purchase. If all of the criteria above are met and you are All dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Fr, you must pay at least the Minimum on f this statement in the envelope rize us to use information on your check icated on your check or to process the nsfer, the transfer will be for the amount of k. When we use information from your cheek to make an electronic fund transfer, funds may be withdrawn From your account as soon as The same day we receive your payment, and you will not receive your check frock from your financial institution. The rocessing of your payment may be delayed IF you send cash, correspondence or other items with your payment, if you sendpthe payment to any other address or if you use an envelope other than the one provided. Paryments received in proper form at our processing facility byy 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing faciliy 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, tL 60197.6103. Please allow 7.10 days for delivery. If your payment is refurned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, You can pay, 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 po ent dote (e.g. the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by teleepphone, you will need this statement and your bank account information. You will be asked to provide the last four (sl digits of the social security number of the primary borrower. 8y providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank tc deduct each Payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an'error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800-347.2683 or by mail at Discover PO Box 30421, Salt Lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly 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: P) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (fv) a fixed dollar amount. If your scheduled fixed poyment is not enough to cover the Minimum Payment Due as listed on your monthly 60112, statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the schled payment is grealer than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. l6 your scheduled payment is greater than the New Balance on our billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe Tess than the amol unt indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ , Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed 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 1 9 850-5 316 . Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest 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 the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ["_Grace Period" It you paw the Now Balance on your previous 1111.9 statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If yo-? not pay your ew a ance 1n tUll each moth, 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 "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure The Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying interest" section). How We Figure Your Total Interest Charges • We multiply the Boily 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 odd Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to fhe standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transoction 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 $1.09 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visltwww.Discover.com or DISCOVER ?I call 1-800-DISCOVER 11-800-347-2683). DISCOVER $1Now 0,2 8..80 Minim 2000 Payment Due Payment Due Date September 13, 2011 18 SDSNOA01 0012517 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 8863 Enter Amount Enclosed Below Pay onr?line at www.Diswver.com or make check payabb to Discover. Phone and Internet poyments must be mode by 3:00pm ET for some day posting. Text APP to DISCOV" to receive a fink to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 111 111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Go to www.Okco"r.com or print change in spare above 1nIrIlnlnr1rlluduldurllllurlalu1+r1Inlrrlnlrlull . 000001986458011580319,021880000000D0020500 vpaning uafe:.lufy iv, zu t i - %,lostng Vora: I Discover Mora Card Account Summary Account number ending in 8863 Previous Balance $10,051.92 Payments And Credits - 202.00 (Purchases + 208.39 Balance Transfers + 0.00 I Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 160.49 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Line Available $281.00 Cash Advance Credit Line $A,800.00 Cash Advance Credit Line Available $281.00 Cashlrack Bons" Anniversary Month January Opening Cashback Bonus Balance $ 4.70 New Cashback Bonus This Period + 0.52 Cashback Bonus Balance $ 5.22 To lemn more, login at www.Discover.eom 3 Easy Ways to Contact Us 1. Access your account securefy at www.Discow corn 2. Call 1.8004)ISCOVER (1800-347.2683) Please have your DL9cowr0card available 3. Write to us of 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, Card Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800347.74"9. . o, Lv I r page I OT L Payment Information New Balance $10,218.80 Minimum Payment Due $205.00 Payment Due Date September 13, 20) 1 tats 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 fromfer APRs for new transactions may be increased up to the Penalty APR of 19.24% 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: Only the minimum 40 years $58,869 payment $376 3 Ts 13,535 ?a Savings = $Q5,334 If you would like information about credit counseling services, call 1.800.3x7-1121. Manage Your Account Online at www.Discover.com • Access free online fools like Paydown Planner to create a plan to pay down your balance, securely access statements, Pay bills online and easily track all fronsactions • 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 Daft Oafs Payments and Credits Aug 13 Aug 13 iNTERNE7 PAYMENT . THANK YOU $ .202.00 Trawl/Entertorimrrerrt Jul 30 Jul 30 ALAMO CAR RENTAL MIDDLETOWN PA $ 208.39 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 lntsrest Charged INTEREST CHARGE ON PURCHASES $ 85.98 INTEREST CHARGE ON CASH ADVANCES 7A.51 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR TMS PERIOD 160.49 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Dt5 VE Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless i 8+2010 Discover Bank. Member FDIC PAPER.W 10 I 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 107.50 TOTAL INTEREST CHARGED IN 2011 1,214.56 O z oa a _o N Questrons? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER trpays SC MARK WADAS Account number ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Willing Period: 31 days PERaNTAGE TYPE OF BALANCE ??t UB ECT TO E S BALANC INTEREST CHARGE AL T A Purchases 14.24% V $218.71 $2.63 Past Purchases 17.24% V $5,691.36 $83.35 Cash Advances 23.99% V $3,656.93 $74.51 Balance Transfers 0.00% $657.40 $0 V = Variable Rate Additional Important information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Last or stolen cards. Report Immediatetyt Cal 1.800347-2683. What To Do N You Think You Find A Mistake On Your Maternent If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30442 1. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • 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 mists te. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writi . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay a amount in question. While we investigate whether or not there has been an error, the following are true: u as delinquent on that amount. • We cannot try to collect the amount in question, or report SO, • The charge in question may remain on your statement, ane may continue to charge you interest on that amount. But, if we determine That we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. hour RtyMs If You Are Dissatisfied Whh 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 hove the tight 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 soli you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances From an ATM or with a check that accesses your credit card accounf do not qualify. 3. You must not yet have fully paid for the purchase. If all 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 yi , UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will fell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer From your account at the financial institution indicated on your check at to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with yaw payment, if you send the payment to ar?y ever address or if you use an envelope other than the one provided. Payments received in proper Farm at our processing fociliy 6yy SPM kxol time on arty ?, will be credited ro your Account as of that day Payments received at our processing facilrly after 5PM locol Hme will 6e credited to your Account as of the next day. If you have misptoced envelope, sand your payment to Discover, PO Box 6103 Coro! Strecnm, 11 641 97 6 103. Please allow 7-10 days Far ivory. If your payment is renamed unpaid, we reserve the rig?it ro resubmit it as an eleehonic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through o customer serv ice representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ant date (e. g., the 15th dayy of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b tole hone, you will need this statement and your bank account information. You will be asked to provide the last four (45igifs of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each Pa ment 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 1-804347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84 1 30L042 1; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly 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 ail 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 billingg 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. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaulis on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete, please write us at the 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 daily balance. We continue to impose interest chorges until you pay the total amount you owe us. You can avoid raying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. Haw to Avoid Paying Interest on Purchases ("Grace Period" 11 -'you paw the ew a ante on your previous mg statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or an portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We ADolv Pa ants Ma Im act Your Grace Period you o not pay your ew a once in each mont, ten, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - Deify Balance Method (including current transactions): We calculate interest charges each billing period by first figuringg the "daily balance' for each Transaction Category. Transaction Categories include standard Purchases, standard Cas7r Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or hie posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the Bally balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We 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 Rafe. Your statement shows a Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subject to interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Devito for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683. nce DISCOVER SSIOA1?" S4 t25.00 Payment Due Payment Due Date October 13, 2011 18 WSt1BA010012518 MARK WADAS 111 N PENN ST SHIPPENSBURG PA 17257-1311 Account Number ending in 8863 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum ppaayymment due includes a past due amount of $205.00. Phone and intemet Zymeennts must be made by 5:00pm ET for same Y Text A?'P to DISCOV• to receive a link to our free mobile app and pay your bill in seconds from anywhere? PO BOX 71084 Iliruilunnlllulnnlll CHARLOTTE NC 28272-1084 Address, e-mail artelephone chongeF Irrlrllnlrrrlrl?urlulrlutllllnrler?ulrrl?n?nlulrlo?l Go to www.Discovi r corn or print change in space above. 000001986458a1Z580319104179900000000042500 Opening Date: August 19, 2011 - Closing Date: Septamber 18, 2011 Discover More Card Account Summary Account number ending in 8863 Previous Balance $10,218.80 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Chased + 164.19 page 1 of 2 Payment Information New Balance $10A17.99 Minimum Payment Due* $425.00 Payment Due Date October 13, 2011 *includes past due amount of $205.00 Lath 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 19.24% variable. See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Line Available $82.00 Cash Advance Credit line $4,800.00 Cash Advance Credit Line Available $82.00 Co back 13anuse Anniversary Month January Opening Cashback Bonus Balance $ 5.22 New Cashback Bonus This Period + 0.00 Cashback Bonus Eafance $ 5.22 To learn more, log in at www,Disccvar com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovercan 2. Col 1$00-DISCOVER11-800347.2683) Please hove your Discovers cord available 3. Write to us of Discover, PO Box 3094 Sat Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf( assistance, please cog 1-800.347.7449. 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 40 years $59,102 payment call 1.800.347.1121 Manage Your Account Online of www.Discovercom • Access free online tools like Paydowo Planner to create a plan to down your balance, securely access statements, pay bifls online and easily track all transactions Make your money worth more5m-find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone Transactions Trans. Post Dab Date ;Fees Sep 13 Sep 13 LATE FEE $ 35.00 TOTAL FEB FOR INS PERIOD 35.00 1Merea Charged INTEREST CHARGE ON PURCHASES $ 88.14 INTEREST CHARGE ON CASK ADVANCES 76.05 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR IHIS PERIOD 164.19 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC R Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadabie, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox, • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Msm- Bank, Member FDIC PAPER.0310 2011 Totals Year-lo-Date TOTAL FEES CHARGED IN 2011 $ 142.50 TOTAL INTEREST CHARGED IN 2011 1,378.75 <n 0 U) z m D o_ N Ut co Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER B per to MARK WADAS Account number ending in 8863 DISCOVER page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account, current Baling Period: 31 days TYPE OF BALANCE Purchases Past Purchases Cash Advances Balance Transfers V - Variable Rate ROuPERCENTAGE 14.24% V 17.24% V 23.99% V 0.00% BALANCE SUB INTERFSI RATE TO $296.03 $5,775.30 $3,732.18 $494.50 INTEREST CHARGE $3.56 $84.58 $76.05 $0 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Additional Important information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Cap 1.800.347-2683. What To Do If You Think You Find A Mistake On Your Stalerrtenl IF you think there is an error on your statement, write to us of: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: IF you think there is an error on your bill, describe what you believe is wrong and why you believe it isCe. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in itiff . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights 1f )Lou Are Dissatisfied With Your Crcdh Card Purchases I F you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid For the purchase. If all of the criteria above are met and ore stifl dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake 07,U T 841304945 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 repod you as delinquent. Payments. You maypay 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 F rovided. Do not send cash. By 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 cheek or to process the payment as a check transaction. IF pa nt 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 yyour payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. PcWerds recoWod in proper Form at our processing facility by 5PM local time on any day will be-credited to your Account as of that day. Payments received at our processing facih?y 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 rigl?t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay Cr nthly Minimum Payment Due, or a greater amount that does riot exceed your current Account balance, over the telephone or you can setup automatic poyments through a customer service representative by calling 1-800-347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date {e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4rdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you wifl be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1 •t300 347.2683 or by it at Discover, PO Box 30421, $-N lake City, UT 8.4130-042 1; however we must receive notice at least three business days in advance a 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 Now 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 bilking statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is reater 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 r«essed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay+ $ ? Fixed Pay$ m Bank Routing #: Bank Account Frequency: Z Credit Reporting' We may report information about your Account to credit bureaus. late payments, missed payments, or o other defaults on your Account maybe reflected in your credit report. We normally report the status and payment history of your Account to credit re porting agencies each month. IF ou believe that our report is inaccurate or incomplete, please write o us at the Following address: Disco, 0 er, PO Box I531b, Wirlmington, DE 19850 531 d. Please indicate your name, addross, home telephone number and Account number. w Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the o daily balance. We continue to impose interest charges until you pay tie total amount you owe us. You can avoid paying nterest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Payin Interest on Purchases ("Grace Period"i you pal -the ew Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we Il will y not impose interest charges on new Purchases, or an portion of anew 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 Apply Paymar?ts Mav Impact Your Grace Period If you do not pay your ew a once in full each ' month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. Flow We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first hgur,ngg the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cas}r Advances and different promotional balances, such as Balance Transfers. Clow We Figure the Daily Balance for Each Transaction Category We start with the be inning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or Fee posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest" section). How We figure Your Total Interest Charges We multiply the daily balance for each Transaction Cqtegory 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 Rate. Your statement shows a Bolonce Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote is the overage of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683(. DISCOVER New Balance Minimum Payment Due Account Number ending in 8863 DISCOVER $10 615.00 $643.00 Enter Amount Enclosed Below Payment Due Date $ November 13, 2011 - 18 SMSA01 0012519 MARK WADAS Ill N PENN ST SHIPPENSBURG PA 17257-1311 Address, e-mail or telephone change? Go to www.Discaver.cam or print change in space above. Text APP to DISCOV• to receive a link to our tree mobile app and pay your bill in seconds from anywhere! PO BOX 71084 I1111 01lunMl1119lsr.rl11 CHARLOTTE NC 28272-1084 {rrl,Iln111111llr,rlr,6lrrr{14InrL1 11Jirllu1 ulu{ilt,ll 000001986458D1158D3191D615DDDDDDDOD0064300 Opening Dale: September 19, 2011 • Closing Date: 0 Discover More Cart! Account Summary Account number ending in 8863 Previous Balance $10,417.99 Payments And Credits OM Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 162.01 New Balanee 10,615.00 See Interest Charge Calculation section following transactions for detailed APR information Credit line $ 70,500.00 Credit Line Available $0.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Line Available $0.00 Cas tback Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 0.00 New Cashback Banos This Period + 0.00 Cashback Bonus Balance $ 0.00 To !corn mole, log in of www.Dinover.com 3 Easy Ways to Contact Us 1. Access your account securely of wwwZscowx corn 2. Call 1.800AISCOVER (1-8M347--2683) Please have your DiscoverO card available. 3. Write to us at Discover, PO Box 30943, Solt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, It 60197.6103 For TDD (Telecommunications Device for the Deoo assistance, pleose call 1-800.347-7449. :;owr I a, Zu ( l page 1 Ot :1 Payment Information New Balance $10,615.00 Minimum Payment Due* $643.00 Payment Due Date November 13, 2011 *Includes past due amount of $425.00 Late Payment Warning: If we do trot 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 19,24% 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: Only the minimum 40 years 359,339 payment If you would like information about credit counseling services, call 1.800347.1121. Manage Your Account Online at www.Dinover.com Access free online tools like Paydown Planner to create a plan May down your balance, securely access statements, pay online and easily track all transactions Make your money worth more $M -find easy ways to cam and redeem crash rewards • NEW) Access your account securely through your mobile phone Transadons Trans. Post Dare Date Fees Oct 13 Oct 13 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest charged INTEREST CHARGE ON PURCHASES $ 86.93 INTEREST CHARGE ON CASH ADVANCES 75.08 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTERPST FOR THIS PERIOD 162.01 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience i Easily access up to 24 months of downloodable, password protected statements. i j - See your statement as soon as it's available rather than wait for it to arrive in your mailbox. + i • Get helpful payment reminders through e-mail or text messages on your mobile phone. I • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Discover Bank, Member FD)C PAPER.03 10 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 177.50 TOTAL INTEREST CHARGED IN 2011 1,540.74 0 z rn 0 0 0 tv w Questions? Visit www.Diswver.com or DISCSVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER It P? to 1 MARK WADAS Account number ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current 2111 Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE ?C SUBJECT TO INTEREST CHARGE RATE [AM N RATE Purchases 14,24% V $334.74 $3.91 Past Purchases 17.24% V $5,859.10 $83.02 Cash Advances 23.99% V $3,807.73 $75.08 Balance Transfers 0.00% $494.50 $0 V = Variable Rate Additional Important Information see your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Last or stake cards. Report immediatelyl Cad 1.800.347-2683. What To Do N You Think You Find A MisLa ke On Your Staftiment if you think there is an error on your statement, write to us at; Discover, PO Box 30421, Sok Lake City, UT 84130-0421. In your letter, give us the Following information: • Account information: Your name and account number. • Dollar amounh. The dollar amount of the suspected error. - Descri fio f Profile : IF you think there is an error on your bill, describe what you believe is wrong and why you believe Rmamsta?e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may callus, but if you do we are not required to investigate any potential errors and you may have to pay a amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to called the amount in question, or report you as delinquent on that amount. • The charge in ggtreA ma remain on your statement, and we may continue to charge you interest on that amount. But, if we determine t6aF vre 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 N You Are Dissadoffed Whh Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wiiin at: Discover, PO Box 30945, Sak Lake Ci yt UT 84 1 30-09 4 5 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe on amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at anytime. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your paent and the top portion of this statement in the envelope p?rrvided. Do not send cash. B sending your check as des ymrnbed above, you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ent is processed as an electronic fund transfer, the transfer will 6e for the amount of the check. When we use information from your check to make an electronic Fund transfer, Funds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your p.eni, if you send ttre payment fo any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM 1=1 time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment so Discover, PO Box 6103 Card Stream, IL 60 1 97-6 1 03. Please allow 7-10 days for delivery. IF your payment us refumed unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC E You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, .presentative by calling over the telephone or you can setup automatic payments through a customer service re 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.. the 15th clay of the month) that occurs before your Payment Due Date. If your scheduled payment date falls. a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4RSits of the scicial 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 ent you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or cr it entries to your bank account, as apppplicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-SOQ347.2683 or by mail at Discover, PO Box 30421, Salf Lake City, UT 84 1 30-042 1; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly, billing statement when your pnymenf will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (i)) statement Minimum Payment Due, (ill) 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. It your scheduled ent is greater than the New Balance on your billet statement, that payment will be processed only for the amount of your ew Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay+ $ ? Fixed Pay$ , Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316., Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest charges on 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 I" total amount you owe us. You can avoid pcrying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paving Interest on Purchases ("Grace Period if you paid the ew Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period you o not pay your 8a once m each moni ,fen, 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 figguring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, stondard Cosh Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the be inning balance for each day. The beginning balance for the first day of the billing period is your balance on the ast day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add 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 rote, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this 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 fiGlance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD {Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover0cord is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1 -800-347-2683). f New Balance DISCOVER Minimum Payment Due Account Number ending in 8863 l $10,615.00 $856.00 Enter Amount Enclosed Be ow Payment Due Date December 13, 2011 18 SDSN6AOt 0012520 MARK WADAS Text APP to DIBCOV• to receive a link to our and pay your 6111 in seconds fr 111 N PENN ST om anywherel SHIPPENSBURG PA 17257-1311 PO BOX 71084 Illrssllu+nslllsrlun111 CHARLOTTE NC 28272-1084 Address, e-mail or telephonechange3 I I I?rr?lr,lr{I?ulrr Illr,i?flurlufr,?rr?luln?rtlrlnll Go to www.Diveovar.com or print change in space above. r r I OOOO01986458OZZ5803l9106150D00000000065600 Opening Daft: Odober 19, 2011 - Dosing Date: Novi I Discover More Card Account Summary !Account number ending in 8863 Previous Balance $10,615.00 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance 10,615.00 See Interest Charge Calculation section following transactions for detailed APR Information Credit Line $10,500.00 Credit Line Available $0.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Line Available $0.00 Cash back Bonuse Anniversary Month January Opening Cashbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at www.biscover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Distwier.com 2. Call 1-800-DISCOVER (I ZOO-30-2683) Please have your Discover®card available. 3. Write to us at Discover, PO Box 30943, Sale 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 TOO {Telecommunications Device for the Deof assistance, please call 1.800347.7449. M&M , o, Lv t , pcyv , v, F Payment Information New Balance $10,615.00 Minimum Payment Due` $856.00 Payment Due Date December 13, 2011 'Includes post due amount of $643.00 lase Payment Warning: If we do not receive your minimum payment by the date fisted 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 19.24% 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: r.lot r:.cs ^?.., Only the minimum 11 years $10,615 payment coil 1-800.347-1121. Manage Your Account Online at www-Discover.com • Access free online tools like Poydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moron-find easy ways to earn and redeem cash rewards • NW Access your account securely through your mobile phone Transactions Trans. Post Do* Ddle Fees TOTAL FEES FOR THhS PERIOD $ 0,00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-too-Date TOTAL FEES CHARGED IN 20) 1 $ 177.50 TOTAL INTEREST CHARGED IN 2011 1,540.76 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI C;. VEIL Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperiess 02010 Discover Bonk, Member FDIC PAPER-0310 O z m a 0 0 o_ N N O Jf Quesfiions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER '10 - MARK WADAS Account number ending in 8863 "I r-? page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Biting Period: 31 days AI RNA SUBJECT 8 TYPE OF BALANCE ??U PERCENTAGE INTEREST CHARGE ? 1 RATE Purchases 14.24% V $0 $0 Past Purchases 17.24% V $0 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $0 $0 V - Variable Rate Additional Important krforinotion See your Cordmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stobn cards. Report immediatelyl Call 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement if you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sail take City, UT 841300421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Descriot ion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is as mistaa You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay a amount in question. While we investigate whether or not there has been an error, the Following ore true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in queafion m remain on your statement, and we may continue to charge you interest on Mat amount. But, if we determine that `ire 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 94brs N You Are Dissatisfied Whh Your Credit Caro Purchases IF you are dissatisfied with the pcs or services that you have purchased with your credit card, and you have tried in good Faith to correct the proTilem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If ail of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Sall Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the t?ay yment Due Date. Send anly your paymerd and the tap portion of this statement in the envelope andec. Do not send cash. gy sending your check as desrnbed abover you outhoriu us to use infonration on your check fbcfronie fund hamster From your account at the financial institution indicated on your cheek or to process tfie b make no payment as a check transaction. IF paym ent is processed as an electronic fund transfer, the transfer will be far the amount of the check. When we use information frirri your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delo/ad if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an emrelope. other than the one provided. Payments received in proper Form at our processing facility 5PM local time on any day will be credited to your Account as of that day. Payments received at our proceasir44 Factli after 5PM local time will credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, It 60197-6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit Has an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa Mont date (e. ., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or book holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (40igits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each p ent 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 poyment. You can cancel a scheduled payment by phone at 1.800-347.2683 or by moil at Discover, PO Box 30421, Salt Lake City UT 84130-0421; however we must receive notice of least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each month y 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 month will be the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that increased to cover the Minimum Payment Due. If the scheduled payment is reater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. I your scheduled pa ent is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. IF you enroll by phone in our automatic payment service, please fill-in the Following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ , Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed 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 Monlh. 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. Paging Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay tfi? total amount you owe us. You can avoid Pcrying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ["Grace Period"I you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or an 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 Apply Po marts Ma im act Your Grace Period you o not pay your ew a once rn Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first h urinq the "daily balance" for each Transaction Category. Transaction Categgories include standard Purchases, standard CasTr Advances and different promotional balances, such as Balance Trans Fers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the iast 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 cloy 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 Coiegary 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 rata, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the 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. 8alance Subject to interest Rare. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. for TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover0card is issued by Discover Bank, Member FDIC RZNFE0a1 Questions? visit www.Discover•com or DISCOVER call 1-800-DISCOVER (1-800-347-2683. DISCOVER Ia608NSAW 00`12521 MARK WADAS 111 N PENN S7 SHIPPENSBURG PA ? New Balance Minimum Payment !11. Account Number ending in 88 $10x615.00 $1,069.00 tinter Amount Enclosed Below Payment Due Date $ - " January 13, 2012 - -- 17257-1311 Text APP to DISCOV' to recen e a li , 0 oL r free mobile app and pay your b it r xtd from anywheret PO BOX 71084 IIIn,lSuurrlllnlirn CHARLOTTE NC 28272-1084 Address, e-mail ortelephone change? iul,??u?rn?rl?,a?,,I,1r„Il?l,nlnlnlnl??,Inn l l r Go to www.Olseovereom or print change in space above. 00000198645801158031910615000000D000106900 Opening Oats: November 19, 2011 - Closing Dais: 0 Discover More Card Account Summary I Account number ending in 8863 Previous Balance $10,615.00 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance 10,615.00 See interest Charge Calculation section following transactions for detailed APR information Credit Line $10 500.00 Credit Line Available , $0.00 Cash Advance CredR line $4,800.00 Cash Advance Credit Line Available $0.00 Cashba& 6anuse Anniversary Month January Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cushback Bonus Balance $ 0.00 To learn more, log in of www.Discoveneorn 3 Easy Ways to Contact Us 1. Access your account securely at www.Di1scover corn 2. Call 1-BMDISCOVER (1.800.347.2683) Please have your Discovere card available. 3. Write to us at Discover PO Box 30943, Sak Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance, or Discover, PO Box 6103, Carol Stream, It. 60 1 97-6 1 03 For TOD (Telecommunications Device for the Deaf] assistance, please call i-800.347.7449. acember 18, 2011 Payment Information New Balance Minimum Payment Due* Payment Due Date *Includes post due amount of $856.00 sl r i! (.61_".00 06(.00 .lcnxu 3,2)12 Late PaymentWarning: If we do rat receive your nii r um payment by the date listed above, you" have io I r a la s fee of up to $35.00 and your purchase and balance ,.Ufa APRs For new transactions may be increased up to Ih 1 anal y APR of 19.24% variable. Minimum Payment Waming: if you make only ilvi in ii num payment each period, you will pay more in interest c K it w It take you longer to pay off your balance. For exarnF:l r. n ? •v Oniy Fe mintmum i i years 05 payment if you would like information about credit counselin; ;e ivice s, call 1-800.347-1121. Manage Your Account Online at www.iN i i c eve room • Access free online tools like Payclowrr planner fc, -:sr sate a plan to pay down your balance, securely access stair ?n rds, 'nay bits online and easily track all transactions • Make your money worth moreSM--find easy v n r.; to e,m and redeem cash rewards • NEW( Access your account securely through yo jir mobile phone Transactions --- Trans. Pas! Date 0911116 has TOTAL FEES FOR THIS PERIOD $ ~ 0.00 Inewast CJwrged TOTAL INTEREST TOR TM PEWD $ 0.00 2011 Totals Yearto-Date TOTAL FEES CHARGED W 2011 $ 07.5c 7.5C TOTAL INTEREST CHARGED IN 2011 ll,:: N 0.7d NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC41I EIr? Paperless statements mean less clutter, more convenience Easily access up to 2,4 months of downloodoble, 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 an your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 020) 0 Discover BonA, Member FDIC PAPER.0310 CA O W z m 3- R O O N N N X w Questions? Visit www.Discover.com or ??SCaVER call 1-800-DISCOVER (1-800-347-26831. DISCOVER ttpay,te DI?C?V MARK WA ?i? Account nummbbe er ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE A1 EUAPERCENTAGE BALAN SULKCTO CE INTEREST CHARGE IN R T E Purchases 14.24% V $0 $0 Past Purchases 17.24% V $0 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $0 $0 V = Variable Rate Additional Important Fnformation See your Carehrramber Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stollen cards. Report immediately! Cal 1400-347-2683. What To Do if You Think You rind A Mistake On Your Staternenf If you think there is an error on your statement, write to us ot: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in VdIing. 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 queshon. 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, acrd 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 arty interest or other fees related to that amount. • While you do not have to the amount in question, yyoouu are responsible for the remainder of your balance. • We can apply any unpai amount against your credit limit. Your Rinhfs If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your fame state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are stiU dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City UT 841300945 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. Payrrrents. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum nd only your payment and the top portion of this statement in the envelope Payment Due by the Payment Due Date. Se pprovided. Do not send cash. By sending your check as described above, you authorize us to use information on your check tD make e an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. if payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment o any other address or if you use an envelope other than the one provided. Paym received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing faulny after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60 1 97-61 03. Please allow 7-10 days for delivery. IF your payment rs refumed unpaid, we reserve the right to resubmit it as on electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay yyoour monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the ?e?eph?ne or you can setup automatic payments through a customer service representative by calling 1-800.3A7-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring paymenf date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date Ines on a weekendd or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly ayments b telephone, you will need this statement andyout bank account information. You will be asked to provide the' ast Four (4?digita of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ent 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 i phone at 1-800 347.2683 or by mail at Discover, PO Box 30421, It Lake City, UT 84130.0421; however we must receve nonce at least flues business Boys 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. low. 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 dollor 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 appplied in accordance with your Cardmember Agreement. It your scheduled payment is greater than the New Balance on your billing statement, that payment will be recessed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enrol! by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? fixed Pay$ „ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us of the following address: Discover, PO Box 15316, Wilmington, DE 1 9850-5 3 1 6. Please indicate your name, address, home telephone number and Account number. Paying Interest: We be in to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid P i Interest on Purchases "Grace Period" you pal t e ew a ante on your previous i ing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We_Appl i Payments May Impact Your Grace Period If yov'do not pay yourNeew--Balance in Full each month then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring Hie "daily balance" For each Transaction Category. Transaction Cate ties include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance For each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We figure Your Total Interest Charges We multiply the daily balance for each Transaction Colegory 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 doily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up ail the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rote is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deufl assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover°card is issued by Discover Bank, Member FDIC RzNfE00T QueStlons? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER 410,615 0 I Minimum Payment Due Account Number ending in 8863 $1,282.00 Enter Amount Enclosed Below Payment Due Date $ Febwary 13, 2012 18 SDSN60At0012522 MARK WADAS 111 N PENN ST SHIPPENSBUR6 PA 17257-1311 Address, e-mail or telephone change? Go to www.Discovercom or print change in space above. Text APP to DISCOV' to receive a lint: tc a jr free mobile app and pay your bill in i5ixmr1s from anywherel PO BOX 71084{Im{lurur{{{rr{rnn{I'? CHARLOTTE NC 28272-1084 11111111 000001986458011580319106150000000000128200 Opening Dale: December 19, 2011 - Closing Date: Discover More Card Account Summary Account number ending in 8863 Pmiovs Balance $10,615.00 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 $ f 0,615.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Tina Available $0.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Line Avaitable $0.00 Las back Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in of www.Aiscover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discaver cam 2. Call I-8"SCOVER (i-800.347-2683) Please have your Discovere card available. 3. Write to us at Discover, PO Box 30943, Sob Lake City, UT 84130 (Not a payment addreu) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDO (Telecommunications Device for the Deal) assistance, please call 1-800-347.7449. IV, zu I z page I of z Payment Information New Balance $10,615.00 Minimum Payment Due* '81,282.00 Payment Due Date February 12'':20112 *Includes past due amourd of $1,069.00 Late PaMent Woming: If we do not receive your minimum payment by the date listed above, you may hrm to pay a late fee of up to $35,00 and your purchase and balance transbsr APRs for new transactions may be increased up to the IPencilty APR of 19.24%varioWe. Minimum Payment Womiry: IF you make only the miramurn payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: i 41,11 'c? ., sir 5 y Only the minimum 11 years $1 G,61 Ci Payment If you would like information about credit counseling services, tali 1-800-347.1121, Manage Your Account Online at www.Dimmer.com • Acceu free online tools like Poydown Planner to create a plan to dawn your balance, securely access statements, pm/ bills online and easily hack ail transactions • Make your money worth moresm- find easy ways to earn and redeem cash rewards • NEWT Access your account securely, through your mobile phone TranSC lions Trains. Post Date Daft __ Foes TOTAL FEES FOR THIS PERIOD $ 0.110 lrsterao Charged TOTAL NWEST FOR THIS PERIOD $ 0.00 2012 Totals Yeamo-Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 O.oo 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI . VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Bank, Member FDIC PAPER.0310 (n v zz m D o_ 0 _o N U N N X N Questions? Visit www.Discover.com or DISCOVER tali 1-800-DISCOVER (1-800-347-2683). DISCOVER DIt Pays to ISC •'- AM count number ending in 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Currant bluing Period: 31 days TYPE OF BALANCE A UA PERCENTAGE B E TO ALANCE R U WiEREST CHARGE L RATE INUREST A T Purchases 14.24% V $0 $0 Past Purchases 17.24% V $0 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $0 $0 V s Variable Rate Addi itonal important Womration See your Cordmember Agreement Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately] Cal 1400.947-2683, What To Do N You Think You Find A Mistake Ctrt Your Statement if you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sak Lake City, UT 84 1 30-042 1. In your letter, give us the following information: • Account Information: Your name and account number. • Dollar amount The dollar amount of the suspected error. • Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mil a e You must contod us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writ] . You may call us, but if you do we are not required to 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 guaA n may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, (ware responsible For the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Righte N You Are Dissatisfted With Your Cretin Card 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 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 hove used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writin ak Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we f6ink you owe an amount and you do not pay we may report you as delinquent. Payments. You maypoy all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. gy sending your check os described above, you authorize us to use information on your check 1 to make an electronic fund transfer From your account at the Financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of ht a check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back From your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, it you =the payment to any ether address or if you use an envelope other than the one provided, Payments received in proper form at our processing facility b 5PM local time on any dayy will be credited to ur Account as of that day. Payments received at our processing facili?y after 5PM local time will be credited to your count as of the next day. If you have misplaced yyoouur emrefope, 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 ri9k to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay our monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the tel one or you can setup automatic payments through a customer service representative by calling 1-800.347- 683. Automatic payments will be deducted on the Payment Due Date unless you request a re?urnng Pa ment date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4Tdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ent you authorize, in the amount selected by you, from your bank account. You also outhorize us to initiate debit or credit entries to your bank account, as a iicable, 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 processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated an the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $-. ? Fixed Pay$ Bank Routing #: ; Bank Account #: ; Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed 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 u believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, ilmington, 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 daily balance. We continue to impose interest charges until you pay Ae 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 Pavia interest on Purchases ("Grace Period") you pat the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or cm portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases ore Pvrc6ses that first appear on the current billing statement. How We Apply Payments MaY Impact Your Grace Period y each month, then, depending on the balance to which we apply your payment, you o not pay your eewalgnce in fl' d ou may not get a grace period on new Purchases. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with The beginning balance for each day. The be inning balance for the first day of the billing period is your balance on the last day of your previous billing period. • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying interest" section). How We figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billin 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 off the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open, We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD gelecommunkations Device for the Deal) assistance, please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoveracard is issued by Discover Bank, Membar FDIC RZNFE001 Questions? Visit www.Discover.com or D15C?VER call 1-800-DISCOVER (1-800-347-2683). DISCOVER $$10,615.00 18 SDSNBAOt 0012523 MARK WADAs Ill N PENN ST SHIPPENSBURG PA 17257-1311 Text APP to DISCOV• to receive a link to our free mobile app and pay your bill In secands from anywherel PO BOX 71084 111sssllssssnlllnlrss?111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 1r?1111??111?1?11?111111nhill III fill III III IIII If if 11111111111 Go to www.Discever eom or print change in space above. 00000198645801,1580319],06150000000000149500 Opening Date: January 19, 2012 • Closing Date: Febi Discover More Card Account Summary Account number ending in 8863 Previous Balance $10,615.00 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance 10,615.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Line Available $0.00 Cash Advance Credit Line $4,800.00 Cash Advance Credit Line Available $0.00 Coshback Bonuse Anniversary Month January Opening Coshbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 CadJxxk Bonus Balance $ 0.00 To learn mare, 4 in ar www.Discover.oom 3 Easy Ways to Contact us 1. Access your account securely at www.Discovw.com 2, Call 1.800-DISCOVER (1-800347-2683) Please have your Discover® card available. 3. Write to us at Discover PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 601976103 For TOD (Telecommunications Device for the DeaQ assistance, please call 1-800347.7449. 16, 2012 aloft Payment Informo ion Now Balance $10,615.00 Minimum Payment Due" $1,495.00 Payment Due Date March 13, 2012 'Includes past due amount of $1,282.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a k?te fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penaky APR of 19.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you wilt pay more in interest and it will take you longer to pay off your balance. For example: I Only the minimum 11 years $10,675 payment If you would like information about credit counseling services, call 1.800.347-1121. Manage Your Acc wnt Online at www.Discovor.com • Access free online tools like Paydown Planner to create a plan to down your balance, securely access statements, pay bills online and easily track aU transactions • Make your money worth moresm-find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone Transactions 'Trans. Peal Date Dante Foes TOTAL BEES FOR TM PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0100 2012 Totals Year-to-bate TOTAL FEES CHARGED IN 2012 $ 0.00 TOTAL INTEREST CHARGED IN 2012 0.00 Minimum Payment Dua 0 Account Number ending in 8663 $1,495.0 Enter Amount Enclosed Below Payment Due Date March 13, 2012 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISG::VE PaPerless statements mean less clutter, more convenience I Easily access up to 24 months of downloodable, password protected statements. ! • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. I j • Print a paper copy of your statement anytime. j • Sign up today at Discovercom/paperless II 02010 Discover Bonk, Member FDIC PAPER.0310 N O N Z rp b _o N N W X W QueStlons? Visit wwwMiscover.com or DISCOVER call i-800-DISCOVER (1-800-347-26831. DISCOVER tttwysw MARK WA Account nummbbe er ending n 8863 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) Is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE ALANC SSUBJECT TO INTEREST CHARGE I Purchases 14.24% V $0 $0 Past Purchases 17.24% V $0 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.000/0 $0 $0 V = Variable Rate Additional limp nom k mmation See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-SM-347-2683. What To Do 9 You TUnk You Find A Mistake On Your Statement r i you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sob Lake City, UT 841300421. I your letter, give us the following information; • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Desai bon of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe tt is o mistc us. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writ n . You may cog 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 uesfie may ,,in 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 arty interest or other fees related to that amount. • While you do not hove to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your AhLhts N You Are Dissath&d With Your Cwdit Pas d 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 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 mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or IF we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If oil of the criteria above are met and you are All dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 841300945 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. PaymerNs. You may pay aH or part of your Account balance at any Do time. However, you must pay at least the Minimum Payment Due by Ilte Payment Due Date. Send only your payment and Fire fop portion of this statement in the envelope provided. not send cash. By sending your check as described above, u- uMwriw us to use information on your check to make an elechonie fund transfer from your account at the finaRE- stitution indicated on your ehedt or to process the payme check t as check transaction, lE payment is processed as an ic nd trsfer, the transfer will be for the amount of the . When we use information from your check to make ic 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 prxessing of Cur payment maybe delayed if you send cash, correspondence or other items with ycwr payment, if you send the payment to any ether address or if you use an ernslope other than the one provided. Paymenh received in proper form at our processing facility by SPM bcaJ time on arty wtB be credited ro your Account as of tlmt day. Payments received at our processing Facility after SPM k?oal time w1R credited to ur Account as of the neat day, If you have Et for delivery misplaced your envektpe, send your payment to Discover, YO Box 6103 Carol Stream, IL 60197 6103. Please a0ow 7-10 . lF your payment is returned unpaid, we reserve the rig?tt to resubmit ff as an electronic debir. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Di C VEa i 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 1.800.347-2663. Automatic payments will be deduefed on the Payment Due Date unless you request a recurring payment date (e.g., the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date tolls on a weekend or bank holiday, your payment will be processed the business day prior lathe 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 (4f.digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ent you authorize, in the amount selected byy you, from your bgnk account. You also authorize us to initiate debit or cr it entries to your bank account, as applicable, to correct an error in the processing of such pa(ment. You con cancel a scheduled payment by phone at 1-800 347-2683 or by mgil at Discover, Ito Box 30421, Soh 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 paymerrT will be made and how much it will be. You must ensure that sufficient funds are avails in yaw bank account, and all fransactions muss 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 fined 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. It your scheduled payment is greater than the New Balance on your billing statement, that payment wig be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Dote. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$_ Bank Routing #: : Bank Account Frequency; . Credit Reporting. We may report information about your Account to credit bureaus. Late pgymenfs, missed payments, or other defaults an your Account may be reflected in your credit reppoort. We normally report the status and payment history of your Account to credit reporting agencies each month. ff u bet+ave that our report is inaccurate or incomplete, please its us of the fallowing address: Discover, ?08 ox 15316, Wilmington, DE 1 9850.5 3 1 6. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Pa in Interest on Purchases "Grace Period_") r (t youyou paidtt flew Balance on your previous i "?9c: 1 statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current biting statement. New Purchases are Pure uses that first appear on the current billing statement. How We Apply Payments Mau Impact Your Grace Period IT you o not pay your ew a once in tull 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 fig the "darfy balance" for each Transaction Category. Transaction Categories include standard Purchases, standord Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the doily 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 elf 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 chorg9es against this amount if your Account is open. We wif( send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Dea? assistance, please call 1-800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover°cord is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.biscover.com or cal( 1-800-DISCOVER (1-800-347-2683). DISClOVER New Balance Minimum Payment Due DISCOVER $10,615.00 $1,708.00 Payment Due Date April 13, 2012 18 SOSt46A01 0012524 MARK WADAS 111 N PENN ST SITYPPENSBURG PA 17257-1311 Account Number ending in 8663 Enter Amount Enclosed Below $ 1 Text APP to DISCOV• to reoehre a link to our free mobile app and pay your tail in seconds from anywhere] PO Box 71084 lllrtrlltrr?..llLdr??rll! CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Inn{r{{n{ur{r{{nr{n{r{ur{{{{m{n{rr{u{{nlrrlrrlr{u{{ Go to www.Discover tom or print change in space above. 000001986458011580319106150000000000170800 Opening Date: February 19, 2012 - Closing Data: Ma Discover More Card Account Summary Account number ending in 8863 Previous Balance $10,615.00 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0,00 Interest Charged + 0.00 New Balance 10,615.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,500.00 Credit Line Available $0.00 Cash Advance Credit line $4,800.00 Cash Advance Credit Line Available $0.00 Cashbock Bonuse Anniversary Month January Opening Cashbock Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 Cashbock Bonus Balance $ 0.00 To tram more, login w vrwvr.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovor.com 2. Call 1.800.DI$COVER (1.800.347.2683) Pieria have your Discovereeard available. 3. Write to us at Discover, PO Box 30943, Suit Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, It. 601976103 For TDD (Telecommunicallom Device for the Deal) assistance, please call I BW347.7449. cn t a, zu t z page I os A Payment Information New Balance $10,615.00 Minimum Payment Due* $1,708.00 Payment Due Date April 13, 2012 'Includes past due amount of $1,495.00 Late Payment Waming: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 19.24% 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: Only the minimum 10 years $10,615 payment If you would like information about credit counseling services, call 1-800.347.1121. Manage Your Account Online at www.Diwover.com • Access free online tools like Paydown Planner to create a plan to pay down your Wanee, securely access statements, pay bills enfine and easily track all tmnsactions • Make your money worth more sm -find easy ways to earn and redeem cash rewards • NEW1 Access your account securely through your mobile phone Transactions Trans. Post Dale 00% Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2012 totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 0.00 TOTAL INTEREST CHARGED IN 2012 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful poyment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Diwov.r Bank, Mmo ,, FDIC PAPER.0310? u1 0 z z a 0 0 P N N N A X w Questions? Visit www.Discover.corn or call 1-800-DISCOVER (1-800-3472683). DISCOVER It pays MARK WADAS ISCO E D V J YGiC DiSCOV ER' Account number endirn:: 1$863 page 2 c f 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Brig Period: 29 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO It TEREST C r4ARGE RATE (APR) INTEREST RATE Purchases 14.24% V $0 $ ) Post Purchases 17.2496 V $0 S) Cash Advances 23.99% V $0 8 ) Balance Transfers 0.00% $0 $ ) V - Variable Rate Additional isipostant krfortnalion See your Cardmwnber Agreement. Yaw Cardmember Agreement contains all the terms of your Account. Lust or stolen words. Report immediatelyl Cd 1-800-347-2683. What To Do N You Think You Find A Mistake Ctrs Your S_k"ment It you think there !son error on your statement, write to us at: Discover, PO Box 30,421, Salt Lake City, UT 84130-0.421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount The dollar amount of the suspected error. • Descri ion o .Te. Problem: If you think there is an error on your bill, describe what you believe is wrcng and why you believe it is a m?ata-" You must contact us within 60 days after the error appeared on your statement. us, but if you do we are not requirec to investigate any You must notify us of any potential errors in wntin . You =oft. potential errors and you may have to pay ft amount in question. While we investigate whether or not there has been an error, the following are true: • W. cannot try to collect the amount in question, or report you as delinquent on that amount. • .c ,9. ain question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Cradrt Card Purchases If you are dissatisfied with the poods or services that you have purchased with your credit card, and you have tried in good faith to coned the problem with the merchant, you may have the right not to pay the remain mg amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current moiling address, and the purchase price must have been more than $50. jNote: Neither of those are necessary if yaq 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 on ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay an or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above you authorize us to use information on your check to make an electronic fund trans"ter from your account at the financial ins you indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer wig be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrown from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any ether address or if you use on envelope other than the one provided. Paymen received in proper form at our processing facility by 5PM local time on any C will be credited to your Account as of that day. Payments received at our processing facil after SPM local time will 6e credited to your Account as of the next day. If you have raispkaced year snvek>pe, send your payment to Discover, PO Box 6103 Card Stream, IL 601 9 7-6 1 03. Please allow 7.10 days far delivery . IF your payment is rehuned unpaid, we reserve the rig?t to resubmit R as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS ER 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.g., the 15th docryry of the month) that occurs before your Payment Due Date, if your scheduled payment date Us an a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone, you will need this statement and your bank account information. You will be asked to provide the last four (4Tdigtts of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or cre id t entries to your bank account, as bfe, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone of )=A7-2683 a by mail at Discover, PO Box 30421, Salt Lake City, UT 84 1 30-042 1; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly 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: (il statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o 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 billinngg statement, your scheduled payment fa that month will be increased to cover the Minimum Payment Due. If the scheduled payment is realer than ffre Minimum Payment Due, any excess will be ap?jiad in accordance with your Cardmember Agreement. if your scheduled paymant is greater than the New balance on your bdlin statement, that payment Will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicoted on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ ? Fixed Pay$ Bank Routing #: ; Bank Account #: ;Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed 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 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 daily balance. We continue to impose interest charges until you pay t6 total amount you awe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances, How to Avoid Paying Interest on Purchases ("Grace Period') 11 yo pal the Now Balance on your previous i ing statement by the Payment Due Date shown on that billing statement, we wits notuimpose interest charges on new Purchases or any portion of anew Purchase, paid by the Payment Due Date an your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We A I Pa ments Ma lm act Your Grace Period you o not pay your ew a ance 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 Safgnce Method (including current transactions): We calculate interest charges each billing period by first I'wring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, stoncloA Cash Advances and different promotional balances, such as Balance Transfers- How We Figure the Daily Balance for Each Transaction Category We start with the be inning balance for each day. The beginning balance for the first day of the billing period is your balance on the asf day of your previous b'ill'ing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add an new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying interest" section). 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 billin 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 ail the daily interest charges. The sum is the total interest charge for the billing period. Now 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 (merest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise req,uved by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcord is issued by Discover Bank, Member FDIC RZNFE001 Cl) 0 m w A Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-3117-2683). Our File No.: 339895 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK vs. Plaintiff, MARK C WADAS Defendant. Civil Action CERTIFICATION OF SERVICE 1, Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on September 4, 2012, 1 caused to be served a copy of Plaintiff's Amended Complaint by regular mail to: JAMES VINCNET NATALE, ESQUIRE 209 WEST PATRIOT ST SOMERSET, PA 15501 APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm En2azed in Debt Collection F 2012 SEp 7 ?M ll. 43 "BERL No Co" EN' SYLVAWIq ?} COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 12-2986-CIVIL TERM BY: Benia in . Cav llaro, Esauire IN THE COURT OF COMMON PLEAS OF CUMIRERLAND COUNTY,PENNSYLVANIA DISCOVER BANK co c/o DB SERVICING CORPORATION Plaintiff CIVIL ACTION - LAW V. NO. 12-2986 Civil Term MARK C. WADAS Defendant PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY:Please list the within matter for the next Argument Court. 1. Matter to be Argued: Defendant's Preliminary Objections 2. Counsel who will argue the cases: Benjamin Cavallaro, Esquire Robert Klingensmith Attorney for Plaintiff Attorney for Defendant 520 Fellowship Road C306 209 West Patriot Street Mount Laurel, NJ 08054 Somerset, PA 15501 (800) 672-0215 (814)444-0500 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: May 10, 2013 BY: Robert Klingensmith, Esquire Attorney for Defendant Dated: 3-20-2013 INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR(not the Prothonotary)before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4, If Argument is continued new briefs must be riled with the COURT ADMINISTATOR(not the Prothonotary)after the case is relisted. TSB 0 I? 6L 4`30 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK C/o DB SERVICING CORPORATION: Plaintiff CIVIL ACTION- LAW V. NO. 12-2986 Civil Term MARK C. WADAS Defendant CERTIFICATE OF SERVICE I served this Defendant's Praecipe for Listing Case for Argument by U.S. Mail postage prepaid, 520 Fellowship Road C3069 Mount Laurel, NJ 08054 on Benjamin ' Cavallaro, Es � Esq., the attorney for the Plaintiff, Discover Bank on March 20, 2013. I declare under penalty of perjury that this information is true. Date: I �J Server's Signature 1 .1 Vy01e-S Printed Name and Title Harold Shepley & Assoc., LLC Somerset PA 15501 09 West Patriot St. Server's Address 8144440600 11:13:57 05-02-2013 4/4 INTHE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW V. c= NO: 12-29136-CIVIL TERM X M cr) M =,;o MARK C. WADAS ,r-- CD Defendant • r-2-- ---4(= = c cn Stipulation to 1;'.Yfpnrl to Answer C-0 Pursuant to Pa,R.C.P. 1003, it hereby agreed that the time for Defendant tofile and serve and Answer the Complaint is extended until August 9,2013.Any signature obtained via fax or e- mail shall be treated as an original signature. Ben mi J. Cav,Ilaro 'a Robert D, Klingensmith tt Z'Ilaili� Atto ey for the laindff Attorney for theDefe.riclant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW V. NO: 12-2986-CIVIL TERM MARK C. WADAS PRAECIPE TO WITHDRAW Defendant PRELIMINARY OBJECTIONS • STIPULATION TO EXTEND-41W rnCo r Filed on Behalf of Defendant: ice-x �C; MARK C. WADAS C" -s c=, Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. #313960 HAROLD SHEPLEY &ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814)444-0600 (fax) rlingensmith@bshepleylaw con, Attorney for Plaintiff: Benjamin J. Cavallaro, Esq. Apothaker& Associates, P.C. 520 Fellowship Road, C306 Mount Laurel, NJ 08054 0 p IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW V. NO: 12-2986-CIVIL TERM MARK C. WADAS Defendant Praecive to Withdraw Preliminary Objections TO THE PROTHONOTARY: Please mark the Defendant's Preliminary Objections withdrawn and remove the matter from the May 10, 2013 argument list. Thank you very much. F Robert D. Klingensmith, Esquire Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW V. NO: 12-2986-CIVIL TERM . m� ANSWER :j c MARK C. WADAS Defendant -- r ' Filed on Behalf of Defendant: MARK C. WADAS Counsel of Record: Robert D. Klingensmith,Esquire PA I.D. #313960 HAROLD SHEPLEY &ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814)444-0500 (814)444-0600 (fax) rklinizensmith@shepleylaw.com x IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW V. NO: 12-2986-CIVIL TERM MARK C. WADAS Defendant ANSWER AND NOW, comes the Defendant, Mark C. Wadas, by and through his attorney, Robert D. Klingensmith, Esquire of Harold Shepley &Associates, LLC, and files the following Answer to Plaintiff's Complaint: 1. Admitted. 2. Admitted. 3. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether he applied for, received, and used the account at issue. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. 4. Denied. After a reasonable investigation,Defendant is without knowledge or information sufficient to form a belief as to whether he applied for the account at issue. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. Defendant is also without knowledge of whether the billing statements accurately reported all of the transactions and payments made by the Defendant using the alleged account, because Defendant is without knowledge of whether Plaintiff maintains policies and procedures to ensure the accuracy of its records, and whether those policies and procedures are actually enforced. The alleged application is unsigned, and therefore does not show that Defendant agreed to the terms of the original agreement. 5. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. 6. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the terms and conditions of the original agreement, and whether those terms and conditions were subsequently amended by the Plaintiff. 7. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether he used the account at issue. If Plaintiff can prove that Defendant used the account at issue, then Defendant is without knowledge or information sufficient to form a belief as to whether Defendant's act of using said credit card constituted an acceptance of the terms and conditions of an alleged agreement. 8. Admitted in part and denied in part. Defendant admits refusing to pay the aforesaid amount,but Defendant denies that the aforesaid amount is owed by Defendant to Plaintiff. 9. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether he made payments on the account at issue. 10. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form as to whether he made payments on the account at issue. 11. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form as to whether he applied for, received, and used the account at issue. If Plaintiff can prove the he used the account at issue, then Defendant is without knowledge or information sufficient to form a belief as to the balance of the alleged debt on the date of charge-off,because Defendant has no means to accurately calculate the balance of the alleged debt. 12. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form as to whether he applied for, received, and used the account at issue. If Plaintiff can prove the he used the account at issue, then Defendant is without knowledge of whether the billing statement accurately reported the balance of the alleged debt on the date of charge-off, because Defendant has no means to calculate the alleged balance of the debt. 13. Denied. After a reasonable investigation, Defendant is without knowledge or information sufficient to form as to whether he applied for, received, and used the account at issue. If Plaintiff can prove the he used the account at issue, then Defendant is without knowledge of whether Plaintiff suffered monetary damages because Defendant has no means to determine whether an unpaid balance remains on the alleged account or calculate the amount of said balance. WHEREFORE,Defendant respectfully requests that judgment be entered for it on Plaintiff's claims and the same dismissed with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 (814) 444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW V. NO: 12-2986-CIVIL TERM MARK C. WADAS Defendant CERTIFICATE OF SERVICE I served this Answer and Discovery Requests by U.S. Mail, postage prepaid, at 520 Fellowship Road, C306, Mount Laurel, NJ 08054 on Benjamin J. Cavallaro, Esquire, the Attorney for the Plaintiff, Discover Bank on August 12, 2013. I declare under penalty of perjury that this information is true. Date: August 12, 2013 Server's Signature Gretchen DeWitt—Legal Assistant Printed Name and Title Harold Shepley&Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address VERIFICATION ROBERT D. KLINGENSMITH,ESQUIRE,hereby state that I am the attorney for the Defendant in this action and verify that the statements made in the forgoing pleading are true and correct to the best of our knowledge, information and belief. The verification is signed by counsel in this instance due to the time required to file the pleading. Pa.R.C.P. 1024 requires the verification be made by the party filing the pleading. However, due to the time required to file the pleading, the verification is signed by counsel in this matter. Should the verification of the party be required, the Defendant will be happy to provide such upon further inquiry. The undersigned understand that the statements herein are made subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unswom falsification to authorities. /VV L4"-V Robert D. Klingensmith, Esq. Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW .�� -U M mx-- --� V. NO: 12-2986-CIVIL TERM cn :� r x> � � MARK C. WADAS Defendant >C= C:) co < DEFENDANT'S REQUEST FOR ADMISSIONS Defendant demands that Plaintiff answers and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Defendant 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 Defendant 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;no response to any of the following statements of fact, it is your position that the statement is true in part or as to some items,but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, 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 generality of the foregoing, includes natural persons,joint owners, associations, companies, partnerships,joint ventures, trusts, and estates; B. The word"document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions,however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such "person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last know 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 ep rson who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word"identify", when used with respect to an act(including an alleged offense), occurrence, statement, or conduct(hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person(s)participating in such an act; (3) identify all other person(s) (if any)present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. 1. Plaintiff does not have a signed contract for the alleged account. Admitted Denied If the Answer to this Request for Admission is denied, then please provide a brief explanation in support of the denial. 2. Plaintiff does not have a signed application for the alleged account. Admitted Denied If the Answer to this Request for Admission is denied, then please provide a brief explanation in support of the denial. Date: V I V d 3 Robert D. Klingensmith Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW V. NO: 12-2986-CIVIL TERM MARK C. WADAS Defendant Defendant(s)'s First Request for Production of Documents Directed to Plaintiffs Pursuant to P.R.C.P. 4009, as amended, Defendant requests that Plaintiff produce for inspection and copying the following designated documents which are or could be in their possession, custody, or control and serve the requested documents upon counsel for the Defendant within thirty(30) days from the date of service thereof. This request for production of documents is continuing and demand is hereby made to amend or supplement the request as is required by the Pennsylvania Rules of Civil Procedure. Requested Documents: 1. A complete copy of the alleged original contract pertaining to the alleged account. Response: 2. A complete copy of all Amendments to the alleged original contract. Response: 1. 3. A complete copy of the alleged application for the alleged credit card. Response: 4. The first billing statement showing a balance of zero on the alleged account. Response: 5. Please provide documentation showing that all alleged payments were credited to the Defendant's account. Response: 6. Please provide any other information relating to the payments allegedly made by Defendant regarding this account. Response: 2 7. Please provide all information pertaining to DB Servicing Corporation's affiliation with Discover Bank. Specifically, please provide any services agreements between the parties. Response: Date: Robert D. Klingensmith Attorney for Defendant 3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff CIVIL ACTION-LAW V. NO: 12-2986-CIVIL TERM MARK C. WADAS Defendant Defendant's First Set of Interrogatories to Plaintiff Defendant hereby serves these written interrogatories upon plaintiff who is to furnish written answers within thirty (30) days after service of these interrogatories in accordance with the Pennsylvania Rules of Civil Procedure. The answers shall be inserted in the space provided after each of the interrogatories; please attach additional pages if more space is needed for the answers. These interrogatories are continuing and demand is hereby made to amend or supplement the answers as is required by the Pennsylvania Rules of Civil Procedure. If the answering party is a minor, a decedent's estate or an individual who is incompetent or under legal disability to provide answers, the individual providing answers shall state his or her name and the authority under which he or she is providing the answers. Full and complete answers to the interrogatories must be provided and signed by the party making the answers. 1. Pease provide the names and addresses of any and all parties that drafted, were consulted, or in any way aided in the production of Plaintiff's Answers to: Defendant's First Set of Interrogatories to Plaintiff, Defendant's First Request for Production of Documents Directed to Plaintiff, and Defendant's Request for Admissions. Also, please state how the individual aided in the production of these Answers? 1 2. Did Plaintiff's legal counsel aid in the production of Plaintiff's Answer to: Defendant's First Set of Interrogatories to Plaintiff, Defendant's First Request for Production of Documents Directed to Plaintiff, and Defendant's Request for Admissions? 3. If the Answer to question 2 is "yes," what aid was provided by Plaintiff's legal counsel? 4. Please provide the alleged date of Defendant's alleged application for the alleged credit card. 5. Please state the means of communication by which Defendant(s) allegedly applied for the alleged credit card. 2 6. When was the date of last payment on the alleged account? 7. Please provide the amount of the last payment made on the alleged account. 8. Has Defendant's alleged account been charged off? 9. If the answer to the above question is "yes," please provide the date of the charge off? 10. Please provide the dates and times of the alleged use of the alleged credit card. 3 11. Please list the dates of any alleged purchases using the alleged credit card, the items allegedly purchased, the alleged amount for each item, and the places where the alleged purchases were made? 12. Please list the dates of any alleged cash advance and the amount allegedly received by the Defendant(s)? 13. Please explain what investigation, if any, that Plaintiff conducted regarding the validity of this account before the filing of the complaint at issue? 4 14. Please provide any and all information regarding the relationship between DB Servicing and Discover Bank. 15. Please provide the name, addresses, telephone numbers, and e-mail addresses of each witness that Plaintiff may call at trial? 16. Please provide a brief summary of what each witness may testify to? Date: Robert D. Klingensmith Attorney for Defendant 5 Our File No.: 339895 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672 -0215 Attorney for Plaintiff DISCOVER BANK vs. MARK C WADAS Plaintiff, Defendant. Mt; PM 17 PIT 2: tag CUMBERL AND COUNT f't' ) COURT OF COMMON PLEAS ) CUMBERLAND COUNTY ) ) ) ) NO. 12- 2986 -CIVIL TERM ) ) ) ) PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss this action without prejudice. APOTHAKER & ASS ' IA Attorneys forjPlainti A Law Firm Engaged in De By: ES, P.C. f Collection David J. Apo aker, Esquire II I11NIIIIIIIIIIIIIIY