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Home My WebLink About12-3501Our File No.: 295682 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 c/o DB SERVICING CORPORATION 6500 NEW ALBANY RD NEW ALBANY OHIO 43054 Plaintiff, vs. JENNIFER A KIMMEL 421 GEARY AVE NEW CUMBERLAND, PA 17070-1841 Defendant. I 'Jt 12 S -4 11: rii E!"!NS'f LVA1°4 ! ". COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: I o - 43 SQ1 ??< < 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 6i) 0,'N???1U3.7S a? (`K*- 16 U4 S9 Our File No.: 295682 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 c/o DB SERVICING CORPORATION 6500 NEW ALBANY RD NEW ALBANY OHIO 43054 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.. Plaintiff, VS. JENNIFER A KIMMEL 421 GEARY AVE NEW CUMBERLAND, PA 17070-1841 Defendant. CIVIL ACTION COMPLAINT FIRST COUNT 1. Plaintiff is Discover Bank ("Plaintiff'), a Delaware State Bank and issuer of the Discover Card. 2. Defendant is JENNIFER A KIMMEL ("Defendant"), an adult individual residing at 421 GEARY AVE NEW CUMBERLAND, PA 17070-1841. 3. Defendant applied for, received and used a credit account issued by DISCOVER BANK, account number ending in 7193 ("Account"), pursuant to a written agreement ("Agreement"). 4. True and correct copies of the Agreement, credit application and credit card statements for the Account are attached hereto and incorporated by reference herein. 5. The attached credit card statements begin with a statement evidencing a previous balance of $0.00 and end with a credit card statement evidencing an outstanding balance matching the damages Plaintiff seeks herein. 6. Under the terms of the Agreement, Defendant was given the right to use the Account to make purchases, cash advances, and/or balance transfers. 7. Defendant, in return, promised to timely pay the principal balance accumulated plus interest, fees and penalties where applicable. 8. Defendant's use of the Account in the manner described above constituted acceptance of the terms of the Agreement. 9. 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. 10. The last payment on the Account was recorded on or about August 26, 2010. 11. The attached credit card statements include a statement evidencing the last payment on the Account. 12. The Account was charged off with an outstanding balance of $8,220.97. 13. The attached credit card statements include a statement evidencing the charge-off balance for the Account. 14. Plaintiff has suffered monetary damages in the amount of $8,220.97. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $8,220.97 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: Dated: May 25, 2012 Our File No.: 295682 295682- If ., . , . VERIFICATION I hereby state that I am a Legal Placement Account Manager for DB Servicing Corporation, the servicing affiliate of Discover Bank, an FDIC insured Delaware State Bank and issuer of the Discover Card. I hereby verify that, upon information and belief, the statements made in the foregoing Civil Action Complaint are true and correct. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. §4904 relating to unworn falsification to authorities. Dated: 5/3 is (L- k A ant Name Defendant's Name: JENNIFER A KIMMEL Account Number: ending in 7193 0 rn N z ni 3 (D V z N C 3 C N 3 ? m m z tt A a a m O? O ? '3A o :. v A x 3 bi N J N O e M ? ? ? rt 3 3 m z O N en en c xx L? i! 3 v D ?? -v ? 3 0 o x rn ° n o ? 0 T o 'Q C6 N ? m rt z v M` G' rn ? w A ? Fy O -:...._ O Z Q z D m ea CD c 0 w n O z O a p E o H CD O n 0 "0 a m c 3 `n D a O 2 ,rt F Ll. O O ~y { U F-+ D i m c CL a a 03 /r _ c o v _ N CU ? rt r ` n n (D U1 m r p ? CL C L ru ° a o 0 0 O. v .. c m 3 n d d > O .~a O 3 o n N D 3 ?+ CD r: D fll T n CL ri a 0 OJS?/1DDDtApD o 3SO P, 4s H a p o i q oa o0rnrnVZ o ` °o N O rn °° Q o p 3 ? ?°nn O e t arn Wp3o00 C tart m Dr- w z A D W 33 XA s ? 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X 't3 S I dG CD O f., %1-/' DISCOVER' PLATINUM IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 9000 CARDMEMBER AGREEMENT The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section..... SEE PAGES 1 - 11 PRIVACY POLICY A summary of the personal information we collect, when it may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others ......... SEE PAGES 12 - 74 BILLING RIGHTS Important information about your rights and our responsibilities under the Fair Credit Billing Act ..... ............................SEE PAGES 14-15 CASHBACK BONUS® TERMS AND CONDITIONS The terms and conditions of the Cashback Bonus® award program, including a description of how your award is calculated and how to redeem it......... . ............................. SEE PAGES 16 - 18 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 18 - 24 0 2002 Discover Sank, Member FDIC 314001.0802 •n w.L'y O.i'7 hN O Yi^. `m 7? ?nC v1N p Na.+T Cs?O ? ?W 7Na1m?d ca rnm ° •O a, roo?.:•O.3 ?c>,°c 1O?o ?.E? rocm a3L?oC a>,y_ ??gmEE'Qo ° 2Scd'!'? ???= ?cdcEo" ??roo? -?"?9°=t °'A d aa£? ¦ ?V3 dm?c oE?? dcoE >daa3 >+m='?ro¢a,yro cNd 5 ?t'3 3 * ?roW 3rooc3 ?ae+co> E C m zOCOOt$aE onAA?o $ m aw WA w°pCuCo $ E o ffi¢ 3m6z ?ai'C ? r= aawro o _?roa 5 _ ?oc >,32 Ht= c n? oT p ¢? ?_m ro $-$ 7$a>, c' raE a EOE+ occ E?_«?•`? ??>?°roc_oo g' E _ Eoa ro Ty -- o 0 ; t5 E ro -ro _p?y? viaaE a $?a o.5- 130 O1 C J G Np?.b I. d.:= G?V !0a a W CDIOA?O ..?1 C p T ?4 E Eel py? N $ ? T ?G O D a? t GS a? W .•c. '_ , ^T ,O U C t° T G Bet v, m Ci C .. 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Print your e-mail address to receive important Account information and special offers. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercom/paperless. PO Box 71084 Ill 1111111111111111111 11111 1 CHARLOTTE NC 28272-1684 11111111111111111111111 13 1111111111111111111111111111111111,11 000001986618070722207001528500000000001500 Discover Platinum Card Account Summary Closing Date: October 19, 2006 page 1 of 2 Account number ending in 7193 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available November 18, 2006 $15.00 $6,300.00 $6,147.00 $3,200.00 $3,200.00 Previous Balance $0.00 Payments And Credits 0.00 Purchases + 152.85 Cash Advances + 0,00 Balance Transfers + 0,04 Finance Charges + 0.00 New Balance $152.85 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 26.26 New Cashback Bonus This Period + 0.39 Cashback Bonus Balance 26.65 C-ashbackBommSAnniversa------------ --- -- --- ------ -.--- ------ Month: August CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercord.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of Americo's #1 Cash Rewards Program. How Can We Help You? P 1. Visit Discover com to pay your bill for no cost. view r l t t A f s a a es ccount in ormation, earn and redeem reward nd more It's your choice - 3 ways to help 2. Call 1-8MDISCOVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired( see reverse side us at Discover Card, PO Box 31)943, 3. Write Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Other/Miscellaneous ,Ian 1 Jan 1 TRANSFER OF SAL FROM 6011 2986 7298 8213 $ Gasoline Oct 8 Oct 8 SAMS CLUB - #8175 HARRISBURG PA 26.68 ----------- ----t-8----O---ef-8 ----- ------ ----------- -------- - --- -- - 4--8.4. - 6 ------ :Warehouse Chrbs Oc SAMS CLUB - #8175 HARRISBURG PA Oct 15 Oct 15 SAMS CLUB - #8175 HARRISBURG PA 77.71 'information For You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza Suite 2100, Chicago, Illinois 60606-6613. 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. Manage your account your way - whether you prefer to speak with a live person or manage things on your own, Discover(R) Card has the right account management options for you. Call 1-800-DISCOVER (1-800347-2683) or visit Discovercard.com ----------------- ----------------------------------------------------------------- ------------- Important Information. If two is more than one page b this billing sfatemerd, see the back of as& page for additional important intomstbn. ? See your CardmemberAgreemenf. YauCerdmerrreeragmement contai call the terms of yourAccount. co z Lost or Melon cards. Report imme<lietely! Call 1-804347-2t+ti3. o Billing Rights Sumnwy. In Case of Emors or Questions Abort Yair 89: If you think your bill i4 wring; or Ayou need more information about a transaction on you bill, write us on a separate street of paper at Discover, PO Box 30421, Salt Lake City, UT 841304421, as soon as possible. We must hear tam you no later than 60 days altar we said you the fist flit $ on wfucr the error or problem appeared You can telephone us, bud doing so will not preserve your rights. In you letter, give us the following information: N • Yourname mMAocourt number $ The dollar amount of the suspected error ? Describe the error and explain, t you can, why you believe Mere is an anon., If you need more nbmation, describe the item you are unsure about. You do not have to pay spry amount in quesion collie we are investilling, but you are sill obligated to pay the pads of you big the are not in question. Me we investigate your question, we cannot report you as deNrpuedor take any action o collect the amount you question. Special Rate for Credit Cud Purchases: If you hove a problem will the qj* of goods or services that you purchased with a credit card and you have tied in good faith to correct the problem with tre merchant, you may not have to pay the remaining amount due on the goods or services. You hoe ft protection only when the purchase price was more than $50 and the purchase was made in your home stale or within 100 miss of you mutt address. (If we own or operate the merchant, or if we rnmled you the adva8semenf for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send ably your payment and the top portion of the statement in to envelop provided. Do not sad cash. By sending your check as described above, you authorize us brae kdomhaton on you check to make and electronic lead transfer from you account at the kAncial mWirbon indicated on your dark or to process Me Payment as a check oanseciicn, if the payment is processed as an electronic fund transfer, the transfer will be ler the amount of the check. Wham we use kdarmation tram you check to make an *dm* kxd 6ansfer, hinds may be withdrawn fmm you account as soon as the some day we receive your payment, and you will not receive your chedcbadk from you financial kma Low. The procesaingpf.your payment maybe detayertthyotrsadcash, FOrteaparhdan- orothaAoroswMyoupeytneo4ifyrousend theDeyfrWlaalU4N4r1dr. Sirprtyauuspm.-. envelope other than the one provided. Payments received in paper form at our processing facility by.5PM bed lime on any day will be credited to yourAccount as of that day. Payments received at our processing lad* after 5PM local lane wt be credited to yourAccourd as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197-6101 Please allow 7-10 days for delivery. If your payment is retuned unpaid, we reserve Me right to resubmit it as an electronic debut. You can pay your minimum payment or e greaterarrount over the telephone, and you can set up aubmetic payments. Call us at I -M3472683. You will need bus statement and you bank account information. You must ensue that su f ciert funds are available in your bank account and all transachons must comply with U.S. law. You will be asked to proves the first 5 digits of you account statement ZIP code. By entering tosanumbers as your electronic signature, you will be agreeing to this authorization to slow, us and you bank to deduct each payment you authorize from you beds account. and to initiate debit or aedit entries to you bank aoeoud, as applicable, to correct error in the processing of such payment You must lei us the amount of each payment or you can select an errant such as Minimum Payment Due or tre New Balance on each statement. You can cancel a payment, however we must receive notice at least has business days in advance of the scheduled payment You may notily to by pfhmw at 14"742683 or by Mal at the address listed in to previous paragraph. I you payments may vary it 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 kiss then the indicated on the moony statement based on credits or payments applied during the billing cycle.. Credit Reportng. We may report information about your account to ore& bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your crecii report. We norntaiyr report to status. and payment history of your Account to de& reporting agencies each month. If you believe that our report is inauxuede or incomplete, please write us at the following address: Discover, PO Box 15316. Wilmington, DE 19050-5316. Please include you name, address, home telephone number and Account number PERIODIC FINANCE CHAGES. Periodic Finance Chagas are imposed on all transactions from ire date the trarsa im is posted to your Account until Me date you pay your entire New Balance,. by makili payments or receiving cretins. However, we will provide the btlowi g'grace period' If you paid the New Balance on your pervious billing statement by the Payment Due Date shown on turf statemet, and you pay the New Balance by tre Payment Dias Date on this statement we will no knprse Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement OMewise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases There is no grace period on balance tmnsfers or cash advances. We sat your transactions khb groups of purchases, rash advances, and balance transfers and tan father son the transactions within each group by Wk Annual Percentage Rate. For example purchases subjec to a premotonal rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories, At the and bleach bang Period, we compute Periodic Finance Charges for each day of the billing period for each transaction caugory. We use fie Idbwng equation to compute periodic for each transaction category. Average Daily Balance x number of days in the bitting period x Daily Periodic Rafe. (See the hinge dsrge summary on your statement for tsse all?p"_) Then we add up tee Periodic Finance Char fres breach bansacton category to gel the total Periodc Finance Cheges for pas Account. The average Daly Balance is shown as zero 1, because d the grace prod, no PerEdc-Ni nce Charges apply to the balance in a transaction category. We use the Average Daily Balance Ii ncliding new transactions) method of nmkxdeang the balance upon which we irriposs Periodic finance Charges. We compute the Average Deily Balance for each transaction category by adding up all the daily balances in a baling period for a traseciott category and dividing the btel by the number of days in the billing cycle. We compute the daily balance for each tansacan category on each day by first adding the Wiowing to the previous days daily balance, harsectons made that day, fees charged tot day and Periodic Finance Charges accrued on that day. fie transaction is posted to your Account after the dose of the bifng period in wfuc h it occurs, we will seat to transaction as hevirhg owned an is isf day of the billing period in which it is posted to your Account All fees dherged to your Account ere added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Changes 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 transection category. When the special rate expires, we crave 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 Ram Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the applceble transaction category until the spatial rate would have expired. For TDD f relecommunicators Device for the Deaf) assistance, call 1.800347-7449. Discover may rho rlor ardor record telephone calls between you and DLVaver representatives for quality assurance purposes The Disornae cad is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER ItpSC KINWEL WFW berending Account umiber in %? 03 Go green. Go paperless. Join Ale effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/poperless and sign up for Paperless Statements today. 01010 Discover Bank, Member FDIC ?R s PPRGRN.0810 Closing Date: October 19, 2006 page 2 of 2 Discovercard.com provides you with the easiest online self-service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely e-mail reminders to help you avoid fees. Easy account management is just a click awayl Register or tog in to Discovercard.com/registermyoccount Hey, Juniors( We are searching for outstanding high school juniors to apply for the Discover(R) Card Tribute Award(R) Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www.Discovercard.com/tribute Finance Charge Summary Average Doily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily la ces Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 30 days Purchases $0 0.07737% 28.24% V 28.24% $0 $0 Cash Advances $0 t 0.07737% 28.24% V 28.24% $0 $0 previous billing period: 31 days Purchases $0 0.07737% 28.24% V 28.24% $0 none The rates that apply to your Account are either fixed (Fi 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 719;3 DISCOVER $386.69 [$15.00 Enter Amount Enclosed Below Payment Due Date $ C December 18, 2006 Please make check payable to Discover Platinum Card or pay online a Discovercard.com. 19 S0SN6A01 0023241 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercomlpaperless. PO Box 71084 1111111111111111 CHARLOTTE NC 28272-1084 lr,111111111111ll,nlrrl1 l,nllllurlnlnLrllidnlnlIlydl 000001986618070722207003866900050000001500 Discover Platinum Card Account Summary Closing Date: November 19, 2006 page 1 of 2 Account number ending in 7193 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available December 18, 2006 $15.00 $6,300.00 $5,913.00 $3,200.00 $3,200.00 Previous Balance $152.85 Payments And Credits 50.00 Purchases + 274.96 Cash Advances + 0.00 Balance Transfers + 0.00 finance Charges + 8.88 New Balance $386.69 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshback Bonuse Opening Cashback Bonus Balance $ 26.65 New Cashback Bonus This Period + 0.68 Cashback Bonus Balance 27.33 C-ashback -Bonus®Anniversa---- ---------------------------- -------------- Month: August CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel You? P 1. Visit Discover.com to pay your 6di 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 Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) aired see reverse side 3. Write us at Discover Card, PO Box 30943, 8 P l Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 15 Nov 15 PAYMENT - THANK YOU $ -50,00 Gasoline Oct 29 Oct 29 SAMS CLUB - #8175 HARRISBURG PA 27.04 --------- Nov 16 - Nov 16 - SAMS CWB-- #8175 HARRISBURG-PA-- -76.15----- Warehouse pubs Oct 22 Oct 22 SAMS CLUB- #8175 HARRISBURG PA 55.49 Oct 25 Oct 25 SAMS CLUB - #8175 HARRISBURG PA 44.94 Nov 2 Nov 2 SAMS CLUB - #8175 HARRISBURG PA 100.43 Nov 7 Nov 7 SAMS CLUB - #8175 HARRISBURG PA 20.93 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Cut back on mailbox clutterl Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps knlwnant information. If Mato is Alcoa hen are page b this bring statement, we he back of each page for additional imporlent information. See your CardmemberAgraement. Yaw Dardrrenbersweemeal ealdartl5 ON the terms of yourAceoutt. Lost or stolen cards. Report kmtedieteyl Call 1.800.347-2683: Billing Rights Summary. In Case of Errors or Questions AboutYaa Bile Kyou 04 your bill is d you need Mora ktfotmafan about a transaction on your bit, write us on a separate sheet of paper at Discover, PD Box 30421, Soh lake City, (7T 84130-0421, as soon es ate or . We must hear from you no later than 60 days after we sentya the first bill on which the error a problem appeared. You can teephona us, but doing so will not preserve your . In your Mkir, gnre us the fallowing 6 formation: Your now anclAccount number The dollar amount of the suspected are Describe he error and axpsit, if you can, why you believe tore is an am, If you reed more information, describe the item you are unsure about. You do not have to pay any amount in question while we are nvesilpi6ng, but you are std obligated b pay the parts of your bill tall are not in question. While we investigate your question, we cannot report you as delinquent or take anyaction i to eoled to amorcdyou question. Special Rate for Credit Card Purchases: t you have a problem with the quality of goods orservioes that you purchased with a credit card and you have tried in good WM lo correct the problem with the mrdard, you may not have to pay he remaining ameant due on the goods or servioes. You have this protection only when the $50 and the purchase was made in your home stale or within 100 males of your mailing address. t we own or operate 1he merchant, or t we mailed ou prim was more than you the advertisement for the good or services, all the purchase are covered reganDess of the amount or location of the purchase.) Payments. Send only your payment aid the top port of 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 deck to make and electronic frsd transfer from your amount at he &an" inshAAion indicated an you deck or to process the payment as a check transaction. 9the payment is processed as an electronic kind transfer, go transfer will be for Iheamount of to dank. When we use information from your check to make an eleehan a fund trantsfer, funds may be withdrew from you account as soon as on same day we receive you payment, and you will not receive you deck bade from your financial vmsixution. The prooeswV nLyourp3W tentmgbede you send eosin toreespoedanea.a otDeriamsw Am you payrreer?f.it y9u send to psy neet.Many other address 9tityou uw alp _ envelope other than the one provided Payments received in proper form at our processig facility by 5PM local time on any day will be cradled to yourAcceunt as of that day. Payments received at our processing Wliy, after 5PM dotal lime will be credited b you -Accountas of the next day If you have misplaced your envelope, send you payment to Discover. PO Box 6103, Carol Stream, IL 60197-6103. Plesse allow 7-10 days for delivery. Kyoir payment is returned unpaid, we, reserve the right to resubmit it as an eledrorric debit. You can pay your mewnun payment or a greater amount over to Idephone, and you can set up automatic parrots. Cal us at 1.800.3472883. You will reed this statement and you bank account information. You must ensue that sulflderd leads we available it you bank account and at transactions must comply with D.S. law You will be asked to provide the first 5 digits of you account statrnrd ZIP code. By entering prose numbers as your demonic signahre, you will be agteeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account and b inntide.debt or credit entries to your bank account as applicable, to oared am in to processing of such payment. You must tall tea the amamt of each payment, or you can select an amount such as Illininasn Payment Due or the New Balance on each statement You can cancel e payrtent, however we must receive slice at least tree brsuass days in advance of the sdad led payment You mayndify us by phone at 1AD-M7,M or by mail at the address listed in the previous paragraph. If your payments may very in amour we will sett you on each monthly statement when your payment will be made and taw much it will be. YourAWOmalic payment amount may be less than he inniCafed on he monhy statement bowed on credits or payments applied during the bilitg cycle. Credit Reporting. We may repod iddonrhatrarr about your account to credit bureaus. Late payments, missed payments. or other detrital on you account may be reflected in you credit report.. We normally retort to status and payment hisbry of your Accent to credit reporing agencies each month. If you believe ghat tW please write us at the following address: Discover, PO Bole 153% Wf report is inaccurate or iunt number knirrglm, DE 198505316. Please induce your name, address, hone telephone punier and Account number. PERIODIC FKIANCE CHAGES. Periodic Finanoe Charges are unposed on al transactions from the dale the tansarAion is posted to your Account untl the date you pay Your entire New Balance, by making payments or recruxg credits. However, we will provide the.totawvng'grece period' If you.peid the New Balance on your pervious billing .statement by the Paymment Due Data shovam on that staterrerd, and you pay he Now Balance by the Payment Due Dale on this statement we will not impose Periodic Finance Charges on new purchases, that is, puicaces firdappearimg on this statement Otherwise, you will receive a biting statement nod month gat includes Periodic Finance Charges an those new purchases. There is no grace period on balance transfers or cash advances. We son your transactions ilo groups of Purchases, rash advances, and balance transfers and hen further sort the trensecbonswithin each group by their Annual Percentage Rate. For example purchases snbjed to a promotional rate and purchases alt)ed to standard rate%vA be separate groups. We rater to hese groups as transaction categories. At the end of each biRrg period, we compute Periodic Finance Cherges.foreach day of he biting period for each transaction cabgory. We use he fdbwing equation to compute Periodic for each transacion category. Average Daly Balance x number of days in the bMV period x Day Pe iodic Rate. (See the inarim charge summary on your statement for these amounts) Then we add up the Periods From Ganges for each transaction . category to gal the burl Periodic Finance Charges for youmAcoomd The average Dairy Balance is sfawn as zero , because of hegaraoe - - - - period, era Periodic Fimeixe Charges apply b the Galaricc in e transacaai category. We we the Average Daly Balance (including new transactions) mehod of calo laYrg the balance upon which vie 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 tranaariion category and dividing the told by the number of days in to bft cycle. We compute the daily balance for each traiuadiat ca*M on each day by *9 adding dal following to the, previous day's daily balance, transactions made that day, fees charged eat day and Periodic Firarxe Charges accrued on tai day. to transaction la posted to your Account after the dose of the billing period in which it occurs, we will heat the transaction as having occurred on he frstday of the billing period in which it is pasted to yourAccounl. AD fees charged to your Account are added to he standard purchase transadion category with the exception of Cash Advance Transaction Fee France Charges which are added to the applicable cash advance trruaction celegory 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 Fiance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunication Device for the Deaf) assistance, call 6800-347.7449. Discover may monabr and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover® card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER D pays to KIMMEL, JENNIFER A Account number ending in 7193 COW Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC a R s PPRGRN.0810 Closing Date: November 19, 2006 page 2 of 2 ;Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Make•A-Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make•A,Wish Foundation. To loam how, please visit Discovercard.com or visit Wish.org Visit ShopDiseover at Discovereard.com/shop to earn additional Coshbock Bonus(R) when you shop online. You will find great offers from retailers like Barnes and Noble, FTD, Magazines.com and morel Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolanees Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $328.33 0.07737% 28.24% V 28,24% $7.88 $0 Cash Advances $0 0.07737% 28.24% V 28.24% $0 $0 previous billing period: 30 days Purchases $43.16 0.07737% 28.24% V 28.24% $1.00 none '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 (1-800.347-26831. DISCOVER Now Balance Minimum Payment Due Account Number ending in 7193 $414.95 $15.00 Enter Amount Enclosed Below Payment Due Date $ F - January 18, 2007 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 19 SDSN6A01 0023242 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 IIInrllrrnulllrlnllnrl CHARLOTTE NC 28272-1084 IIrIIIIIJIIIIIIIIIIIIIIIIIIIIIIIIItIrflrrlrlll11I11I111111JI 000001986618070722207004149500140000001500 ------------------------------------------ ------- -- ---- ---- --- ------- --- - 'Discover Platinum Card Account Summary Closing Date: December 19, 2006 page 1 of 2 Account number ending in 7193 Previous Balance $386.69 Payment Due Date January 18, 2007 Payments And Credits 140.00 Minimum Payment Due $15.00 Purchases + 157.05 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $5,885.00 Balance Transfers + 0.00 Cash Credit Limit $3,200.00 Finance Charges + 11.21 Cash Credit Available $3,200.00 New Balance $414.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashhaclt: Bottuse Opening Cashback Bonus Balance $ 27.33 New Cashback Bonus This Period ShopDiscover & Promotional + 5.00 Everywhere Else + 0.39 Cashback -Bonus® S ince-Anniversary Month" - - - - - - - - - - - - - August: $6.46 as ack Bonus Balance $ 32.72 How Can We Help You? 1 • Visit Discover com to pay your 691 For no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager for TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, So# Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Dale Payments and Credits Dec 13 Dec 13 PAYMENT -THANK YOU $ -140.00 Warehouse Clubs Nov 24 Nov 24 SAMS CLUB - #8175 HARRISBURG PA 50.76 Nov 25 Nov 25 SAMS CLUB - #8175 HARRISBURG PA 87.48 Dec 10 Dec 10 SAMS CLUB -#8175 HARRISBURG PA 18.81 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.40/0- Rate is subject to the terms o?the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $482.61 0.07737% 28.24% V 28.24% $11.21 $0 Cash Advances $0 0.07737% 28.24% V 28.24% $0 $0 ,The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Infdrmafion. If there amore than one page to this bitting statement, see the back of each page for additional important in1wrie on. See your Candnhern erAgmemestYouCardmernberagreemerifcontainsallthetatmofyourArxarr. Lost or oboten.cards. Report immedietey! Call 1AD347-2663. Bit6g Rights Summary. In Case.ol Firm or Quesdas About you Bil: N you think you bill is song, or it you need more infatnalim about a transaction on your bill, writs, us on a "Wale sheet of papa at Uncover, PO Box 30421, W Lake City, UT 84130-0421, as son as passible. We must hear from you no later than 60 days der we sent you the firs( bill on which the error or problem appeared. You can Mlep m us, but doing so will not piwerve, your rights. In your Mier, give us the following information: • You nerve andAc cunt nu ber The dollar arnounl of the suspected error • Describe to error and egiaih, if you can. why you believe there is an arm. If you need more information, describe the item you are unsure about You do not have to pay any amount tar question while we are invesligaft but you are still obligated to pay the parts of your bill that are not in question. YAM we investigate your question. we carrot report you as deknclu ent or We any action to oNW the amount you question. Special Rate for Credit Card Purchases: If you havea problem with the quality of goods or services that you purd=W with a credit card and you have tried in good faith to cornet to problem with the merchant, you may root have to pay the remaining amount de on the goads or services. You have this protection only when the purchase price was more thorn $50 and the purchase was made in your home state or within 100 mills of your madehg address. (t we own or operate the merdant, or Iwe mailed you the advertisement for the good or services, all the purchase are covered regairdm of the amount or boation of the purchase.) Payments. Send only your payment and gta lop portion of the statement ii the envelop provided Do not send cash. to use information on your check to make and electronic bud barmier from By sentry you deck to m above. you authorize c ce your aaauhnt at the fxancal institution irhdiceMd on your died or to mom to payment as a a deck transaction. lithe payment is processed as an efedrorhie fiord transfer, the transfer will be for the amount oft he check. Men we use Wormalan from your deeds o make an aieckwic fund transfer, finds may be withdrawn fran you acct m as soon as it* same day we receive your payment, and you will not receive you touch back from your tnenciel institution. co 0 ce 0 0 N N The..... _ _n8- _ dYotr corlesporhd - orice V PelNne^! rpaSbe gdaye_ --you send cash , _ _ or opter_ite%*dhj a paymW You seed the Payment b any other actress a ffyou use an _ _ e?If mrelope other than the one provided. Payments received n proper form at our processing belly by 5PM local time on any day will be vedAed o yoirAcoo nil as of Itisi 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 you erwelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601976103. Please allow 7-10 days for delivery. If you payment is renrned unpaid, we reserve the right to resutxrit it as an electronic debit You can pay your mmimurn payment or a greater amount over the telephone, and you can set up automatic payments, Cat us at 1$80-3472683. You will need this statement and you bank accent iniermation. You must ensure to sufficient funds are available in your bank account, and all trarrsecWns must oompy with U.S_ Mar. You will be asked to provide the fast 5 digits of you account statement ZIP code. By enterng those numbers as your electronic signature, you will be agreeing to this authorization to allow us and you bank to deduct each payment you aut orve from your bank account, and to ititiate debit or credit entries to you bank account as applicabM, to oorrect error in the processing of such payment You must tell us the amount of each payment, or you can select an amount such as bfnnnm Paymard Due or this New Balance on each statement You can caned a payment however we must receive imlice at least three business days in advance of dire scheduled payment You may notify us by phone at 14"7-2683 or by mat at the address listed in the previous paragraph. If your payments may very in amaat we will tell you on each monthly statement when your paymentmill be made and how much it W be. Your Automatic payrnent amount may be less then tie indicated on the monthly statement based on credits or payments applied "rig the biting cycle. Credit Reporting We may repot information about you account to credit bureaus. Late payments, missed payments, or other defaults on you account may be reteded in you credit mpoit, We namely repel the Mow and payment Way of your Aaount to ae& reportrg agencies each math if you believe that our report is maccustsor rioamplete, please write us at the following addrese: Discover, PO 8= 15316. Wilmingon, DE 198585316. Plesse include you name, address, hone telephone number andAccairn ntmiber. PERIODIC FINANCE OMES. Periodic Faience Charges are imposed on all transactions lean do dab the transaction is posted to your Account until the date you pay your entire New Bakvnce. by making psmments or receiving cree ila. However, we wit provide to foloadng'grace period' It you paid the New Beanies on you pervious biling statement by the Payment Due Data shown on that stakernatL and you pay the New Balance by the Payment Due bate on this statement we will not impose Periodic Finarnce Charges on new purchases, that is, purchases first appearing on this statement Otherwise, you will receive a being statement next month that includes Periodic Finance Charges on these new purchases. There is no grace period on balance transient or cash advances. We sat your bersedie s into groups of purchases, cash advarms, and balance transfers and then further son to transactions within each group by #*Amwat Percentage Rate. For example purchases subject o a proirolienai 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 compute Periodic Finance Charges for each day d the Ming period for each transaction category. We use the following equation b compute Periodic for each transaction category. Average Daly Balance x number of days in the biting period x Daily Periodic Rate. (See the I ance charge summary on you statement for two amours.) Then we add up the periodic Finance Charges for each transaction category to gotta ow Periodic Finance Charges for your Account The average Daily Balance is sThoniitas iaroB,biScause d ifs, grace paned; no Period"c Froarioe?harges apply fro she balance n e treinsedan cafeg-cry- - - We use theAverage, Daily Balance (Mcluding now transactions) method ojceladakng to balance upon .which we impose periodic Finenee Charges We comprise dheAverage Daily Balance for each tiarseclen category by adding up all to daily balances in a 6tfng period for a transaction category and dividing tine total by the comber of days in the biting cycle. We compute the dally balance for each transaction category on each day by fast adding the Mowing to the previous days defy balance, liansadions made that day fees surged OW day and Periodic Fuarce Charges accrued on that day. If a transaction is posted to your Account after the dose of the biting period in which it occurs, we will meat the transaction as laving occurred on to first day of the bilrg period in which il is posted to your Account. All fees charged to your Account are added to to standard prairie 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 TrmsadionFee Finance Charges which are added o the applicable baMtoe transfer transaction category. When the special fate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Trensecton Fee France Charges to the standard purchase ins nswW category. Iicvever, if the special rate has been terminated under to 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 rate would have expM. For MD (Telecommu icatfons Device for the Dealt assistance, call 1400-347-7449. Discover may monitor andfor reo %d telephone cats between you and Discover representatives for quality assurarce purposes The Disoover' card is issued by Discover Bank, Member FDIC. OITSK107 DISCOVER Closing Date: "'=t, JENNIFER A D ce a Account number ending in 7193 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: August 19 Balance Previous Cashback Bonus Award Balance $ 27.33 Purchase Award This Period + 0.39 ShopDiscover & Promotional 5.00 Cashback Bonus Award Total 32.72 Cashback Bonus Award Balance 32.72 Award Available to Redeem $ 20.00 Restrictions apply to thg Cashback Bonus Partner offers visit Discover corn or call 1-800-DISCOVER (1-800-347-2683) for details. For program details, see the Cashback Bonus ftrogrom Terms and Conditions. n z I a a ? o 0 W ? A N v DISCOVER New Balance Minimum Payment Due $440.01 $29.00 T Payment Due Date February 18, 2007 19 SDSN6A01 0023243 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Account Number ending in 7193 Enter Amount Enclosed Below $= 1 Please make check payable to Discover Platinum Card. Minimum ayment due includes a past due amount of $15.0 . Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at cliscover.comlpaperiess. Po Box 71084 11111111111 111111 CHARLOTTE NC 28272-1084 IIf III III lIr,6IIIIIII IlrlrIIIIII r,rl,rIiIIIIl6rlIII III III III 000001986618070722207004400100000000002900 Discover Platinum Card Account Summary Closing Date; January 19, 2007 page 1 of 2 Account number ending in 7193 Payment Due Date February 18, 2007 Minimum Payment Due $29,00 Credit Limit $6,300.00 Credit Available $5,859.00 Cash Credit Limit $3,200.00 Cash Credit Available $3,200.00 Previous Balance $414.95 Payments And Credits 0,00 Purchases + 15.00 Cash Advances + 0,00 Balance Transfers + 0,00 Finance Charges + 10.06 New Balance $440.01 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback 8onuse Cashback-Bonus® Since-Anniversary-Month- - August: $6.46 Opening Cashback Bonus Balance $ 32.72 New Cashback Bonus This Period +_ 0-0 Cashback Bonus Balance $ 32,72 How Can We Help You? 1. Visit biscowacorn to pay your bill for no cost, view our P latest Account information, earn and redeem rewardsoand more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy selfsarvice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Jan 19 Jan 19 LATE FEE $ 15.00 Information For You Great News! We are lowering your APRI As a result of your past payment history, we have lowered your APR to 23.24%. This rate is good For all new purchases on your card. Remember to use Discover Card, the card that pays you back and thank you for your business and timely payment remittance. 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, Balance Transfer offer for current billing period: Daily Periodic Rate: 0.06367%; corresponding ANNUAL PERCENTAGE 'RATE: 23.24%. 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 10 make other arrangements. Important Information. If them is more than one page to this loikrhg statement, see Ste back of each page for additional important information. rn See Vow CuuBrehnber Agreement Your Cardmember agreement contains all the terms dyour Account. can Z Lost or stolen.eards. Report inunedistelyl Cal 14100.347-2683. o Boling Rob Summary. In Caw of Errors or Questions About Your Bit Cyou hick your bill is wrong, or if you need mom information about a transaction on your dill write us on a o , separate sheet of paper at Discover, PO Box 30421, Sal Lake City, UT 84130.0421, as soon as possbls. We must hear from you no later than 60 days dw we sent you the first lout N on wtk h the error or problem appeared. You cahtelephone us, but doing so wh'6 not preserve you tights. In your leper, give us the fdlowhg information: N • You tame and Account number The dollar amour of the suspected error o Describe to error and explain, l you can. why you beiew there is an error, l you need more information, describe the darn you are unsure about: You do not have to pay any amount in question while we are investigating, but you are all obligate ! to pay to parts of your bill that are nc in question. Whale we investigate your question. we cannot report you as delinquent or take any action to coled the amount you question. Special Rate for Cre& Card Purchases: If you lave a problem with the gjdq of goods or services that you purchased witlha credit card and you have tried in good faith to correct the problem with to nwdwnl, you may riot have to pay to remaining amount due on the goods or services. You have this protection only when the purriaw price was mom than SW and he purchase was made in you home state or within 100 miles of your mafitg address. (l we own or operate fire merchant, or it we mated you the advertisement for lhe 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 potion of the statement in the envelop provided. 00 not send cash. By sending your check as described above, you authorize us to use.nformaieo on your check so make and electronic fund transfer from your account at the financial institution indicated on you deck or to process the payment as a check transaction. If the payment is processed as an electronic bird transfer, the transfer will be for the amount of the deck. When we use infarmsioh from your deck to make an electronic fund trawfar, tads may be witdmwn from your account as soon as the we day we receive your payment, and you wit not receive your dteek beds from you financial institution. TheprocassingDfympomentmaybdideWMjl-rmsendcash,t4mwr4enseortllharitattwwitnYaUrDaymeM.RNovmidftDoSRr±oMd?altY r3 fres39Ci(YWysaan __- envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day well be credited to yourAooount as of that day- ' Paymentsreceived at our processing lac Lt after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send you payment to Discover, PO Box 6103, Carol Stream; IL 6bt97$103. Please allow 7-10 days for delivery. Ifyac payment is returned unpaid we reserve the right to resubmit it as an , electronic debit You can pay you minimum payment or a greeter amount over the telephone, and you can set up automatic payments. Calus at 1-800-3472663. You will need tltis statement and Yom bark account information. You mustersure that aftem funds are available in your batik account and at transactions must oompty with U.S.law. You will be asked to provide the fast 5 d& of you account statement ZIP oode. By enwirg 6asenunbus as you electronic signature, you will be agreeing to this authorization b allow us and Your bank to deduct each payment you authorize from your. banrkaccaad, and to irwtale debt or credit entries to your be* account, as applio", to cared error in the processing of such payment You must tsl us the amount of each payment or you can acted an amount such as Minimum Payment Due or the Now Balance on each statement. You tart cancel e payment, however we must receive voice at least three business days in advance of the scedu ed payment. You may moltly us by phone at 1400,347.2663 or by mod at he address listed in the previous paragraph. If your paprents may very in amount we wit tell you on each monthly statement when your payment will be made and how much k will be. Your Automatic payment amount may be less tan the indicated on he monthy statement based on oreitifs or payments applied during the biting cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other data& on your account may be reflected in you as& report. We normally report he status and payment history of your Account to credit reportirg agencies each mouth. If you believe that our report is inaccurate or incomplete, please write us at the following address, Dwover, PO Box 15316, Wilmington, DE 19650-5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CNAGES. Periodic Finance Charges are imposed on all transactions from he dote the transaction is posted to your Account until the date you pay your enure New Balance, by making payments or receiving credits. However, we wil provide to folowbhg'gmw period' It you paid to New Balance on your the Payment Due Date shown on hat stawroni, and you pay the New Balance by Iho Payment Due Date on this statement we will nit' re billing statement o now uchases, that is, pose Pam France Chews p purchases %I appearing an this statement. Otherwise, you wit receive a billing statement next monk that includes Periodic Finance Charges on those new purchases. There is no grans period on balance transfers or cash advances. We sort your transactions into groups of pudases, cash. advances, and balance transfers and than further sat the transactions witfsr each group by theirArmual Percentage Rate. - For example purchases subject to a promotional rate and purchases subject to stardand rate would be separate groups. We refer to Owe groups as transedion categories. At the end of each bit" period. we compute Periodic I'mence Charges for each day of Ie burg period for each transaction category. We use the following equation to corrpme Periodic for each transaction category. Average Daly Balance x number of days in the billing period x D* Penodic Rafe. (See he finance large summary on yoursiaternent for these amanis.) Then we add if to Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for you Account The average Daily Balance is shown as ier6 f becanise of ge`giace period, iio Periodic FinancieChiaws; apply to the balance in a transaction category. Muse #*Average Daily Balance (including new tranaecuom) method o[tatcrdati g the balance upon which we impose Periodic Finance Charges. We compute the Average Dail Balance for each transaction category by adding up all the daily balances in a bllig period fora rainsaction category and dividing the tom by the number of days in the biting cycle. We conpkde the daily balance for each transaction category on each day by fast 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, la transaction is posted to your Account after the dose of the billing period in which it occurs, we wit treat the Iansaction as having occurred on the first day of the billing period in which it is posted to yourAccount. AN tees charged to yaw Account are added to this 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 Belarce Transfer Transaction Fee Fiance Charges which are added to the applicable balance transfer transaction category When the special rate expies, 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 he special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer aid the Balance Transfer Transaction Fee I'mance Charges in he applicable transaction category until the special rate would have expired. For TDO (Teecommunicationa De" for the Deal) assistance, call 1400-347-7419. Discover may montor adlor record telephone eats between you and Discover representatives for quality assurance purposes The Discova° card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER 9 pot's 10 QMMEL, JENNIFER A Account number ending in 71'Q3 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. lust sign up for Paperless Statements and you can help save over 70 million pages per year, You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/paperless and sign up for Paperless Statements today. x/2010 Diuwer Bank, Member FDIC aW* a PPRGRN,0810 - - - - - - - - -- - ------ -- - --- -- -- -------- ------- - ------ - --- - - - - - - - - - - -- - - - - - - - - - - - - - Closing Date: January 19, 2007 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES - PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $0 0.06367% 23.24% V 23.24% $0 $0 Past Purchases $419.80 0.07737% 28.24% V 28.24% $10.06 $0 Cash Advances $0 0.07737% 28.24% V 28.24% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683. Cl) 0 CD z w a 0 0 0 N N O V New Balance Minimum Payment Due Account Number ending in 7113 DISCOVER $465.67 $43.00 _ Enter Amount Enclosed Below 19 SDSN6A01 0023244 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Payment Due Date $ March 18, 2007 Please make check payable to Discover Platinum Card. Minimum payment due includes a past due amount of $29.00. Go paperless and make your account Information more secure with password- protected statements only you can access. Learn more at kliscovercomlpaperless. PO BOX 71084 illrn??nrnan)?in?n)?nri CHARLOTTE NC 28272-1084 000001986618070722207004656700000000004300 -------------- -------------------------- ---------------------------.----_---- -- --...? --- 'Discover Platinum Card Account Summary Closing Date: February 19, 2007 page 1 of 1 Account number ending in 7193 Previous Balance $440.01 Payment Due Date March 18, 2007 Payments And Credits 0.00 ,Minimum Payment Due $43.00 Purchases + 15.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $5,834.00 Balance Transfers + 0.00 Cash Credit Limit $3,200.00 Finance Charges + 10.66 Cash Credit Available $3,200.00 New Balance - $465.67 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback BonuSe Opening Cashback Bonus Balance $ 32.72 New Cashback Bonus This Period + 0.00 Cashback Bonus& Since-Anniversary Month August: $6.46 Cashback Bonus Balance 32.72 How Can We Help 1. Visit Discover.corn to pay your bill for no cost, view our p 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 of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Feb 19 Feb 19 LATE FEE $ 15.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0,07737`1.; corresponding ANNUAL PERCENTAGE RATE: 28.24%. Rate is subject to the terms of the offer including expiration. * * * ATTENTION * * *- We previously requested the.past due-amount on-your-account--We have rno-record of receiving- - - - - - - - - - payment. The amount due should be paid at once. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $15.18 0.07737% 28.24% V 28.2A% $0.36 $0 Past Purchases $429.97 0.0773711. 28.24% V 28.24% $10.30 $0 Cash Advances $0 0.07737% 28.24% V 28.24% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information. If there is more than one page b Orin Ming slaWment, see the bade of each page for additional important information. - v See your CardmemberAgreement Your Car6renber agreement contains all Ore terms of your Aocant. z Lost or stolen cards. Report nhme"Myt Coil IMO-U7-2683. c Billing Rights Summary. In Casa of Eras or 4nstions About Your 81: If.you Oenk.your big is wrong. or f you raved more adormation abort a transaction on your bill, write us on a separate sheet of paper n Discover, PO Box 3D421, Sail Lake City, UT 84130-0421, as soon as possible. We must hear ban you no later than 60 days after we sent you the lust bill o n°, on which the error or problem appeared. You can telephone us, but doing so will not preserve you rights. In your later, On us the blowing information: N Your name andAcco ntmaMer A The dollar amount of the suspected am o Describe lte error and expi m, k you can, why you believe there is an error. If you need more information, describe the kern you are unsure about. 4 You do riot have to pay any amount in question while we are nyeatigstig but you are all obligated so pay the parts of your bill that are not in question, we cannot repot you as dekt WW or WM any action so coleat to amount you grres6on. question: While we Investigate your Special Rate for Credk Card Punches": k you have a problem with the glsity, of goods or sennoas tat you groused with a credit card and you have Wed in good faith to correct to problem with the merdrend, you may not have to pay the remaining amount due on thB goods or services. You hove On protection only when the purchase price was more than $50 and the purchase was made in yoir home state or within 100 miles of your rnaft address. (O we own or operate the merchant or lwe mailed you the adverbsement for the good or services, all the purchase are covered regandim of the amount or location of to purchase.) Payments. Send only you paymentand to 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 el dm* hard hamster from your amount at the knartaal inalkuNon 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 for the amount of the dodo. When we use information from you check to make an electronic fund transkr. lunds may be withdrawn bom.yo r account as soon as the same day we receive you payment, end you will not receive your check back from you financial institution. The grocessyng of>rotr.Payrtment.rpaype delayed_l ywusad gagh _oorresportrlenc@a othgr iti4 yMhyou p@ytmeotd you send thepayynent b any otfuer address or tlyou use an , . _ envelope otter than the one provided Payments mosived in proper toms at our processing fecdky by 5PM local time on any dory vd1 be credited to your Account as of that day. Payments received at our processing rattily after 5PM local time will be credited to yourAocountas of the next day. t you have misplaced you envelope, send your payment to Discaver, PO Box 61 03, Card Stream, l_ 601976103. Please allow 7-10 days for delivery. K your payment is returned unpaid, we reserve the fight to resubmit it as an electronic debit. You can pay you minimum payment or a greater amount over the telephone and you can set up aukxmatic payments. Cal us at 1-M3472W3. You will need this statement and you bank account infomation. You must ensure that sufficient funds are evakable in your bank awouK and all transactions must comply with U.S. law. You will be, asked to provide the first 5 digits of you account slalementZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to slow us and your bends to deduct each payment you authme from you bank arid, and to iMle debit or as&enries 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 Minimum Payment Eke or the New Balance on each statement. You can cancel a payment, however we must receive notice at hest tree business days in advance of the scheduled payment You may notify urn by phone at 1-800-047-2683 or by mail at be address listed in the previous paragraph. t you payments may very in amount wewkt tell you on each monthly statement when your payment will be made end how much it v all be Your Automatic payment amount may be less then the indicated on the monthystatement based on credits of payments applied during the billing cycle. Credit Reporting. We may report information abet you account to credil bureaus. Late payments, missed payments, or offer delauhs on your account may be.refiected in your credit report We namely report the status sod payment history of your Account to vadt reporting agencies each month. If you believe that out report is inaccurate or incomplete , please write us at the blowing address: Discover, PO Box 15316. Wilmington, DE 198505316. Pleaso include your name, address, home telephone number and Acewmt number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions tern the data tie transaction Is posted to your Account until time date you pay your entire New Balance, by making payments or receiving omits. However, we val provide the following *grace period' It you paid the New Balance on statement by 10 Pow billing the Payment Due Data shown on that statement and you pay the New Balance by go Payment Due Date i statement we will not impose Periodic eriodic Finance t new x purchases, that is, castdoses fast appearing on this statement Otmerwise, you will receive a a ber bg statement nt next month crib that includes Periods Charges on on t new Finance those n purchases There is no grace period on balance rosters or cash advances. We sat your transactions into gaups of purchases, cash advances, and balance transfers and ten further sort the transactions w4h in each group by their Annual Percentage Rate. For example purchases subject to a prmolionat retie and purchases subject to standard rate would be separate gaps. We refer to these grays as transaction categories. At the end of each bung period, we oompute periodic Frsroe Charges for each day of the billing period for each transaction category. We use the folowng equation to compu le Periodic for each ramsacton category Average Daily Balance x number of days it the bdirg period x Daly Penodic Rate. (Seethe finance charge su finery onyo r slalemembr these amounts.) Then we add up the Pedodc Finance Charges for each traseckon category to get to total Periodic France Charges for you Accent. The average Daily Balance is shownaszerbAliiceuse61M ace .' ------- g , no Perio&cFxstae-Cherg"es epPlq fb ghe fmataiica m a Gaisedan caCegay- - - - We use the Average Daily. Balance (including new transactions) meted of calculating the balance upon which we impose Periodic Finance Chagas. We compute theAverege Daily Balance for each transaction category by adding up all the daily bffienoes in a billing period for a transaction category and dividing the total by The number of days in the billing cycle We compute he daily balance for each transaction category on each day by first adding the Wbwdrg to the previous days dally balance, transactions made that day, fees charged that day and Periodic Finance Charges scanted on tat day. O e transaction is posted to your Account after the dose of the billing period in which it oasis, we wig treat ft transaction as haft occurred on the first day of the biting 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 ft 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 rale expires, we Trove the unpaid balance of the balance renter and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if it* 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 France Charges in the applicable transaction category until its special rate would have expired. For TOD (Telecommunications Device for the Deaff assistance, call 1800-347•7449. Discover may monitor ariftr record telephone cats between you and Discover representatives for quality assurance purposes The Disooven® card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER $442.2 Balance 19 SDSN6A010023245 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Minimum Payment Due Account Number ending in 7193 $15.00 Enter Amount Enclosed Below Payment Due Date $ F - April 18, 2007 please make check payable to Discover Platinum Card or pay online 0 Dlscovercard.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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover comfpaperless. PO BOX 71084 111 11111111111 1111110111111 CHARLOTTE NC 28272-1084 1111,l(I1111111111111nnlnlnnnllllnnnlnnlnnlkill 111131111111111 000001986618070722207004421200000000001500 --' ------ ------ ----------- -- ------------- -._... - ------ ----- Discover Platinum Card Account Summary ----- --------------- Closing Date: March 19, 2007 page i of 2 Account number ending in 7193 Previous Balance $465.67 Payment Due Date April 18, 2007 Payments And Credits - 43.00 !Minimum Payment Due $15.00 Purchases + 10.00 Credit Limit $6,300.00 Cash Advances + 0.00 Credit Available $5,857.00 Balance Transfers + 0.00 Cash Credit Limit $3,200.00 Finance Charges + 9.45 Cash Credit Available $3,200.00 New Balance - $442.12 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 32,72 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 32.72 Cashback$orRmSSince-Anniversary Moath---- --------------------.---------------------- August: $6.46 How Can We Help You? P 1 • Visit Discover.com to pay your bill for no cost, view our l te t A t i f s ' s a ccoun n ormation, earn and redeem reward an d 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 For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Sox 30943, Salt Lake City, UT 84130 (Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T ans. r Date Payments and Credits Feb 20 Feb 20 PHONE PAYMENT - THANK YOU $ -43.00 Other/Miscellaneous Feb 20 Feb 20 PAY BY PHONE PROCESSING FEE - DBT 10.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%x. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE FINANCE CHARGES CHARGES current billing period: 28 days Purchases $29.23 0.07737% 28.24% V 28.24% $0.62 $0 Past Purchases $407.98 0.07737% 28.24% V 28.24% $8.83 $0 'Cash Advances $0 0.07737% 28.24% V 28.24% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R) Card has the right account management options for you. Call 1-800-DISCOVER (1-800-347.2683) or visit Discovercord.com ------------------ --- -------------- Important Information. If there is more Iran as pegs blhis billing statement, seethe back of each page for additional importent information. Sae your Caralmember Agreement. Your Cardmember agreement eantsns a0 the terns of yourAccount. Last or stolen cards. Report iraned;Melyt Call 14"7.2683. y Billing Rights Summery. In Case of Errors or Questions About Your Bill: If you think your bill is wraig, or i you need more information about a transaction on your bill write usona o , sepande sheet of paper at Discover, PO Box 30421, Sall Lake City, UT 841360421, as soon as possible. We must hear from you no later than 60 days after. we sent you the first big on which the anchor problem appeared. You can telephone us, but doing so wil not preserve your rights. In your Ietw, give us the following Wortnstoh: N Your name and Account number The dollar amount of the suspected error Describe tIe erorand explain, if you can, why you believe.Ihere is an error: If you need more irdamation, describe to item you are utsue about. V You do not have to pay any amount in gteslion while we are npesbgati g. but you are still obigaled to pay the pans of your bill that are not in question. While we investigate you queebon. we cannot report you as dean Wt or take any action b dx)W the amount you que116011. Special Rate for Credit Card Purchases: If you have a problem with the quality ofgoods or services that our the problem with the merchant. you may not have to pay the remaining amount due on the Y P a credit card and you have tried in good faith to tamed You insure On pr goods If sorvices n onl when the i . nt y u pr ce was trite then 850 and the pinchaso was made is frame state or within foil miles of your y m o t address. m we own own o or operate the rtnenchadhant, or tore marled you the to a ?fordhe oca f good or services, all the purchase are cowed regardless of the amount or location n of the purchase.) Payments. Sand any your payment and the top portion of the dies nent in tte envelop provided. Do rid send cash By sending your tack as described above. you a d orize us to use information on you check to make and electronic kid tretsferfrom you account at the financial 'mstitu ion indcated on you check or toprocess lire payment as a check Uansectim. If the payment is processed as an Wocft c fund transfer, the transfer will be for the anKma of the check. When we use 9tornatfan from you check to make an electronic fund transfer, finds may be withdrawn from your accost as soon as the same day we receive our a ment and ill t a ou f u y p y , y w rw reo ye your check back rom yo r financial institution. Zhrixt> sips your RaN!h?4t rhaybe delayed if loth send c- - - -respondence a direr items wittyour payrtheny C you a?,d the eayrr erg to my other address «'dycu use an envelope other tun the one provided. Payments received in proper form at our processing fealAy by 5PM local time on any day M be ire W , yoirAccaini as of d day. Payments received atom processing facility after 5PM kcal time wit be credited to yorAooount as of the red 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 you payment is reNmedunpaid, we reserve the right to resubmit it as an electronic debit. You ken pay you minimum payment or a greater smount.over the telephone, and you can set up sulamatc payments. Call us at 1.800.3472663. You will reed this statement and Yom bank account information. You must ensure that aAficienl finds are available in yaw bank account, and all transactions must comply with U.S. IoW. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering 11hose numbers as your electronic signature, you wig be agreeing to this eutodzation to allow us and yaw bank to deduct each payment you authorize from you hank account, and to Make debit or credit entries to you bank amagt. as appicabb: to canect emorin the processing of such payment You must tell us the ernoud of each payment; or you can select an amount such as Wnmun Payment Due or to New Balance on each statement. You can maul a payment, however we moat receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 14W-347-2683 or by mad at the address listed in the previous paragraph. If your payments, may very in amours are will tali your on each monthly statement when your payment will be made and hour much it wig be. You Automatic payment amout may be less then the indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reportn% Via may report information about your account to a iditlitmus. Late payments, missed Payments. or other defaults on you account may be retected in your creditmporr. Wenwn*report thastatus andpaymenthistory ofyowAeooahtto an* repakgagencieseachmonth,ffyoubelievetstour report isiuacpasteormoompkie Please write us at the flowing address: Discover, PO Box 153%.Wihiglon, DE 198505316. Please include you name, address, home telephone numbered Account oumber. PERIODIC FINANCE CHAGES. Periodic Finance Qlarges are nhposed on al transactions from the date the.vansadim is posted to yourAcoM will to date you pay you entre New Balance, by making payments or receiving aeft. However. we will provide the ldlowing "grace period' N you paid to New Balance on your pwr;ow the Payment Due Date down on that statement and you pay the New Balance by the Payment Due Dale on iris statement we will impose Pew Finance statement by purchases, that is, purchases frnappeeing on its statement Otherwise. you will receive a Ming statement had month that includes Periodic Charges on now purchases. Thee is no gram period on balance transfers or cash advances. We sat your transactions into groups of purchases, cash advances, and balance transfers and than inter sat the transactions within, each group by their Annual Percentage Rate. For example purchases subject to a promotional ral s and purchases rtbjedto standard rate would be separate groW& % refer to these groups as transaction categories. At the end of each burg period. we compute Penodc Finance Charges for each day of the bibig period for each transaction category! We use the following equation to compute Periodic for each transaction category. Average Daly Balance x amber of days in the b kv period x Daily Periodic Rate. (See the finance charge ammery on your statement for Mesa 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 sficM as zero N; because of he grape period, noPanbdic Finance Charges applyto the balance in a transactor, category. We use the Avhrrage Deily Balance (Including now tanseclions) method of calcalatmg 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 bang period for a transeciat category and "i g to kcal by the number of days in ifs biting cycle. We compute the daily belance for each transaction category on each day by fret ad*g the fallowing to the previous day's daily balance. tasactios made that day! fees charged that day and Periodic Finance Charges accrued on that day. Na bamwection is posted to you Adxnuntafter the case of the baling *act in which it occurs, we wit heat the transaction as having occurred on the hsl day of the biNrg period in which its pooled to yowrAccou t. All fees charged to yourAccount are added to the standard purchase tarsacion category with the exception of Cash Advance Transaction Fee Finance Charges which are added to On applicable cash advance transaction category arid Balance TransferTrorsachim Fee Finance Charges which are added to the applicable balance transfer pansacbm category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance TransferTramsecton Fee Finance Charges to the standard purchase transaction category. ver, tithe special rate has been terminated order the Default Rate Plan, we leave to 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 On DeaQ assistance, call 1-M347.7449. Discover may monitor an lim record telephone calls between you and Discover representatives for quality assurance purposes The Discover" card is issued by Discover Bank, Member FDIC. OITBKI07 t `'C Closin Date; ,I EL, JENNIFER A DII.1 1CO Y G March 1Q, 2007! Account number ending in 7193 page 2 of 2 Cashback Bonus ® Award Summary I_ :jshback Bonus Anniversary Date: August 19 balance P evious Cashback Bonus Award Balance $ 32.72 PI Wchase Award This Period + 0.00 C ?shback Bonus Award Total 32.72 C ishback Bonus Award Balance 32.72 A Nard Available to Redeem $ 20.00 Restrictions apply to the Cashback Bonus Partner offers visit Discovercom or call 1-800-DISCOVER (1-800.347-2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. 0 co z a 0 S K3 N A V DISCOVER; $467.83 ce 19 SDSN6A01 0023246 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Minimum Payment D.e Account Number ending in t Ir '3 $30.00 _ Enter Amount Enclosed Beiov. Payment Due Date $ May 18, 2007 Please make check payable to Discover Plotnum Cord. Minimum payment due inc'jaes a pest due amount of $15.00. Address, e-moil 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. Go paperless and make your account information more secure with passward- protected statements only you can ,access. Learn more at discovercomlpaperless. PO BOX 71084 111.1111111111 111 1 111 11 1111 CHARLOTTE NC 28272-1084. 111111111 1111 Ali rrl pill 11111111 1111 1111111111 11 l 111 rrl 111111 000001986618070722207004678300000000003000 Discover Platinum Card Account Summary Closing Date: April 19, 2007 page I of 2 Account number ending in 7193 Payment Due Date May 18, 2007 ,Minimum Payment Due $30.00 Credit limit $6,300.00 Credit Available $5,832.00 Cash Credit Limit $3,200.00 Cash credit Available $3,200.00 Previous Balance $442.12 Payments And Credits 0.00 Purchases + 15.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 10.71 New Balance = $467.83 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonus! Opening Cashback Bonus Balance $ 32.72 New Cashback Bonus This Period + 0.00 Cashback Bonuse Since Anniversary Month- - August: $6.46 Cashback Bonus Balance $ 32.72 How Can We Help You? 1. Visit Discover.com to pay your 6111 for no cost, view our p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for 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 Other/Miscellaneous Apr 19 Apr 19 LATE FEE $ 15.00 'Information For You While we are permitted under the Cardmembar Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minl0lum payment-dueVy*ie payment Clue date. Seetfie Defaolf Rate-Pfau-section of*e Candmember Xg-re infw for - - details. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07737%; corresponding ANNUAL PERCENTAGE RATE: 28.24%. 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. Through generous Cardmembers like you, Discover(R) Card has donated more than $15 million to the Make-A-Wish Foundation(R). Consider contributing your Cashback Bonus to the Make-A-Wish Foundation to help make a child's dream come true. To further your donation, Discover will add an additional 20%. Visit www.discovercard.com or www.wish.org Important Informalion. ff hNe is more than one page to this billing statement, see the beck of each page fa eddtllonat important irdomtsticn, co see your cardmember agremsent. YourCardmember agreement cocain all the terms of your AaanL Z Lost or stofen.cards. Report muriedateyl Cal 1-600-347-2663. o 811 ft Rlghfs Summary. in Case of Errors or Questions About Your BIT: If you Wyatt bill is wrong, or f you reed more information about a transaction on your bill, write us on a oil separate sheet of paper at Discover, PO Box 30421, Salt take Cittyt LIT 841304421, as soon as possible. We must hoar from you no later than 60 days after we sent you the first bill an which is 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 The dollar amount of the suspected error t7 Describe he error and explain. If you can, why you behave here is an error.. if yet need more information, describe the ilam you are unsure about. You do not have to pay any amazed in question while we are ingeadgW4 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 dafatquerd or take any action to poled the amount you question. spacial Rate for CtacBt Card Purchases: 0 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 o pay the rern aiming amount due on the goods or servicer. You have fm's protection only when the purchase price was more than $50 and the purchase was nude in your home slate or within 100 mites of your mailing address. (If we awn or operate the merchant, or f 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 orgy your payment and the bhp portion of the stskmaM in the erwelop provided Do not send cash. 0 to use information on our check b make and eledforyc tend transfer from your check as process above, you authorize us y your account at the frrendei istikAort indicated on your check or to process the payment as a check transaction. If the payment is processed as an electronic kind transfer he transfer will be ter the amount of he check. When we use information from your check to make an electronic land transfer, furuds may be withdrawn from your account as soon as the sane day we receive your payment, and you will not receive your check back from your financial mansion. TlhaDraoassvg of Y psyro ant [maybe 0elayed d Y?u sec: ash, 9onegpondenosaat_ier items win your payment it you sandthe pe n-j b artyother addressor fyou use an envelope other than the one provided. Payments received in proper boat our processing facility, by 5PM but time on any day will be credited to pirAoeaint ae oNhat day. Payments received atom processing facility, eta 5PM local lame will be credited to your Account as of he next day: It you have misplaced your envelope, send your payment to Discover, PD Box 6103, Carol Skean, 11 60197-6103. fuse slow 7-10 days for delivery. If your payment is rehmed unpaid, we reserve the right to resubmit it as an efectranic debit You can pay your minimum payment or a greater amowd over the telephone and you can set up atomatc payments. Cal us at 1600.341266:1. You will need this statement and your bank account information. You mush ensure that sufficient kinds are sveisl)le in your back account, and all transactions must campy with U.S. law. You will be asked to provide ore first 5 digits of you account statement ZIP Bode. By entering hose numbers as yew deckonic: signature, you will be agreeing to this suttorizaton to allow us and your bank w deduct each payment you audarize from your bank account, and to gxtiete.debit or credit entries to your bank account, as epplic". to correct error in the processing of such payment. You must tell us the wrhauntaf ach 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 brsitess days in advance of the scheduled p" ant You may notify us by phone at 1MD-347-2663 or by mail at the address listed in the previous paragraph. K yaw payments may very in amount we will sell you on each earthly statement when your payment will be made and how much dwill be. You Automatic payment amount may be less ton this indicated on to monthly statement based on axedds or payments applied during the billing cycle. Credit Reporting. We may report idartnaton about your account to pact bureaus. Late payments, missed payments, or other deter its on your account may be reflected in your credit report. We norrraky report the alatrhs and payment history of your Account to credit repo" agencies each north, If you believe that our report is n m please write us at the following adheea: Discover, PO Box 16316, Wilmington, DE 19850-6316. Plam include name, address, home to her and or int ate. you laphona number dAoceunt ember. PERIODIC FINANCE CNAGES.Patodc Futance Charges are unposed on all tensadions from the date the transaction is posted to yourAcawd umM the date you pay your enure Now Balance, by making payments orreceivitg credits. However, we will provide the folowing'grace period* If you paid he Now Balance on your pervious billing sfelement by the Payment Due Dale shown an rust statement and you pay the New Balance by die Payment Due Date on this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on Use stelertsm. Otherwise, you will receive a billing statemenl next month that includes Periodic Finance Charges on hose new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions, into groups of purchases, cash advances, and belaae bensfars and hen further sod due transactions within each group by heir Annual Percentage Rate. For example purchases subject b a promotional rate and palche sse subject to standard rata would be separate grails. We refer to tole groups as transaction calegates. At the end of each balling period, we canpuls Periodic Finance Charges for each day of he billing period for each transaction category. We use to following equation to compute Periodic for each transaction category. Average Daly Balance x number of days in the billing period x Daily Pw<KW Rate. (See the finance charge summary on your statement for these amounts.) Then we add up the Periodic Finance Charges fa each transaction category to gut the total Periodic I =nca Charges lot your Account. The avenge Daly Balance is shiowa as zero it beceiinie ortie- ecepr '. - 'od, f.ro Pen ' gr odo Finance ;barges apply'o the biilarice in a'tiantec6on cal egory. We use he Average Daly Balance (including new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges. We compule the Average Daily Balance for each transaction category by adding up all the daily balances in a bring period for a transaction calegory and dividing the total by the number of days in The biting cyde. We compute the daily belame for each Irasectim categayon each day by fast 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 pasted to your Aoceunt after the close of In bitting period in which it occurs; we wit treat the transaction as having occurred on the fast day of the billing period in which it is posted to your Account. All fees charged to yourAcoount are added to the standard purchase irareaoion category with he exception of Cash Advance Transaction Fee Finance Chaves which are added to to applicable cash advance tasisdon category and Balance Transfer Transaction fee Fne =Charges which are added to the applicable balance transfer transaction category. When the special rate empires, we mate the unpaid balarm of the balance transfer and he Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category: However, if the special rate has been terminated under the Defect Rate Plan, we leave the unpaid balance of he balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Teleeommhmfcattons Device for the Deaf) assistance, call 1.800-347-7449. Discover may manta "or record telephone calls between you and Discover representatives for quality assurance purposes The Discover card is issued by Discover Bank, Member FDIC. OlTBK101 DISCOVER It pays to KIMMEL,JENNIFER A $COM Account number ending in 7193 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you con help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Papedess Statements today. WO 10 Dlx er Bonk. Member FDIC 1611R s PPRGRN.0810 ----- --- -------------------------------------- ------------ Closing Date: April 19, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE l3gicince Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $29.89 0.07737% 28.24% V 28.24% $0.71 $0 Past Purchases $417.39 0.07737% 28.24% V 28.24% $10.00 $0 Cash Advances $0 0.07737% 28.24% V 28.24% $0 $0 The rates that apply to your Account ore either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). Co 0 z z D C?_ 0 0 N W N A 01 O V New Balance Minimum Payment Due DISCOVER $494.10 1$45.00 19 SDSN6AOt 0023247 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Account Number ending in 7193 Enter Amount Enclosed Below Payment Due Date $ F_ June 18, 2007 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $30.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover corn/paperless. PO BOX 71084 Hill sill rllrrlllrllrlRrrrl CHARLOTTE NC 28272-1084 11111111111111111111111111111111111111111111111t1I11111111 11 11 000001986618070722207004941000000000004500 ---=- - -------------------.----- ----------------------- Discover More Card Account Summary ----------- ----..------ Closing Date: May 19, 2007 page 1 of 1 Account number ending in 7193 Previous Balance $467.83 Payment Due Date June 18, 2007 Payments And Credits 0.00 Minimum Payment Due $45.00 Purchases + 15.00 Credit limit $6,300.00 Cash Advances + 0.00 Credit Available $5,805.00 Balance Transfers + 0.00 Cash Credit Limit $3,200.00 Finance Charges + 11.27 Cash Credit Available $3,200.00 New Balance m $494.10 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 32.72 New Cashback Bonus This Period + 0.00 Cashback Bonuse Since-Anniversary Month August: $6.46 Cashback Bonus Balance 32.72 How Can We Help You? 1. Visit Discover.com to pay your b1A for no cost, view our p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for 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 Other/Miscellaneous May 19 May 19 LATE FEE $ 15.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subject to the terms of the offer including expiration. _-'_'ATTENIION'__*'-We-previouslyrequestedthe.past.dueomountonyour.account.. We.have _no.record of-receiving payment. The amount due should be paid at once. 'Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $45.77 0.07942% 28.99% F 28.99% $1.09 $0 Past Purchases $427.46 0.07942% 28.99% F 28.99% $10.18 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. If two is more than one page b tis billing statement. see the beck of each papa for adriOohal important information. o See you CardmemherAgreement. Ykwr Cardromber agreement.maaw d the term of your Account. Z m Lost or stolen cards: Report inanedietery! Call 1400347.2683_ o BIIOng RW to Summary. In Ceae:of Ertas or OoestersAbout Your Bif: If yyoouu think k you bill 's wrong, or it you need more information about a transaction an your bill, write us an a $ separate shed of paper at Discover, PO Bar 30421, Sell Lake Cary. OF 114130.0421, as soon as passible. We mast hear from you no later than 80 days alter we sent you the test bill onvTidr the error or problem appeared. You can telephone us, but doing sowil not preserve your rights. In you fetter, give us the following mformiatbn: Your new w4Awoud monber The dollar affoA of the suspected wor o 4 Describe tie 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 arrwunt in question whale we arm invesigeirg, but you are M obigeted to pay the pens of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to coiled the amount you quested Special Rork 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 tied in good Nth to correct the problem with Ore mardhard, you may not have to pay the remaining amount due on the goods or services. VW have tae protection only when the purdese price was more than Itm and the plrcMse was made in your home state or within 100 roles of Your maiikg address. (If we aim or operate the merchant, or it we mailed you the aduertiserierd for the good or services, all the purchase are covered regardless of the amount or location of fa purchase) Payments. Send only you payment and the top portion of to delarnent in the envelop provided. Do rat send cash. By sending your check as described above, you authorize us to use information on your deck to make and electronic kind ranskr tom your account M Vie financial institution indicated on your deck or to process ere payment as a check lrakseckon. If One payment is processed as an electronic fund transfer, the Insider will be for the amount of the check. When we use informe;on ken your died to melee an electric tad intruder, kinds may be withdraw from your accent as soon as the seine day we receive your payment, and you will riot race ve your check back from your financial ihslib". -The pLOgessiogofyour paymentmoibli*k dRyouserldAAoor-pordenee«otteriOwtswildyourpo rre-M..4yousendthepaymenttoanyotheraddressar'dyouusean envelope other than the one provided Payments received in proper form at our processing daddy by 5PM local fine on any day will be credited to your Account as of got dap. Payments received atour processing %ably after 5PM local time will be credited loyourAcmunt as of the next day. it 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 retuned.unteid, 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 14003472683. You will need this statement and your bank somvut information. You must ensure that sufficient funds are evadable in your bank account, end all transactions must comply with U.S. tew. You will be asked to provide the fist 5 digit of you account statement ZIP code. By entering those embers as your electronic signature, you will be agreeing to ids authorization to slow us and your bank to deduct each payment you authorize from your bank eacowl, and to kdtate delxf or credit entries to your bank account, as applicable, to correct error in the processing of such payment. You must tell us Me amount of each payment, or you can select an amount such as Mirirovm Payment Due or the New Balance on each satement: You can cancel a payment, however we must receive notice at least tree business days in advance of the scheduled payment You may notify us by phone at 1400-347.2683 or by mad at tie address listed in Me previous paragraph. B your payments may vary in amount we wil tai you on each monthly statement when your payment will be made and how much h will be. Your Automatic payment amount may be less than the indicated on the mondly statement based on credits or payments applied during the Wing cycle. Credit Reporting. We may report inkximefionabout your account to credit bureaus. Late payments, pressed payments, at other defaults on you amount may be reflected in you credit report. We normally report to steles and payment history of you Account to credit reporting agencies each, month. If you believe Mal our report is inaccurate or incomplete, please who us at the following address:.Discover, P.0 Box 15316, Wtmargton, DE 198505316. Pleass include your name, address, home lelephhone number and Account number. PERIODIC FINANCE CHAGES. Peiodic Finance Charges ate irhposed on ail transactions from the date the transaction is posted to you Account W1 the date you pay you entire New Balance, by making payments or receiving credits. However, we will provide the fofowhng'grece period' If you paid the New Balance on you pervious biting statement by the Payment DueDate shown on that statement and you pay to New Balance by the Payment Due Late on this statement we will not Impose Periodic Finance Charges on new purchases, tint is, purchases 69 appearing on file 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 tansters or cash advances We sort you transactions into groups of purchases, cash advances, and balance transfers end than further sat the transactions wdMn each group by their Annual Percentage Rate. For example purdesoa subject to a promotional rate and purchases an*d to standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each biting period, we o impute Periodic Finance Charges for each day of the brlag period for each transaction category. We use the following equation to campude Periodic for each transaction category. Average Ddy Balance x mrrtler of days in to biting period x Deily Periods Rai. (Seethe finance charge summery on yorstalenentlor how amounts.) Then we add tip the Periodo Frmarhce Charges for each tri msec ion category to get the total Periodic Finance Changes for your Account The average Daly Balance's 3liown as zero it; becahise offt grade period, no Periodic Finer= Charges apply to the balance in a tarlocrion'category. We use to Average Daily Balance Iinclurdig chew transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute to Average Daly Balance for each transaction category by adding tip all the daily belarces in e billing period ter a transaction category and dtv %the btal by On number of days in the billing cycle. We compute the dory balance for each transaction category on each day by first adding the following to Me previous days daily balance, transactions made that day, tees charged that day and Periodic Finance Charges accrued on that day. If a tansackon is posed to your Accont after tie dose of the biting period in which it oasis, we will treat the transaction as having occurred on the fast day of to burg period in which it is posted to yourAccount. At fees charged to your Account we added to the standard purdese transaction category w M the exception of Cash Advance Transaction Fee Finance Charges which are added to the appkc" cash advance transaction category and Balance Transfer irensecfon Fee Finance Charges which are added to the applicable balance tensor Wmsacbon category : When the special rate oxpies, we move the unpaid balance of be balance transfer and the Bale Transfer Transaction Fee Finance Charges to the standard purchase transactan category' However. I the special rage has been terminated order ft Default Rata 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 the DeaQ assistance, call 14t1O.347.7449. Discover may monitor andfor record telephone cats between you and Discover representatives for quality assurance purposes The Discover* card is issued by Discover Bank, Member FDIC_ O17SK107 New Balance DISCOVER Minimum Payment Due j Account Number ending in 7193 $5,432.16 $108.00 Enter Amount Enclosed Below Payment Due Dote $ July 18, 2007 please make check payable to Discover Card or pay online @ Discovercard.com. 19 SDSN8A01 0023248 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 71084 111111 [loll H 1111111111 loll CHARLOTTE NC 28272-1084 Irrltlltrlrrrlrlltrrltrlrlrrtlllltttlrrlrrlrtllrrlrrlrrl,lrrll 000001986618070722207054321600000000010800 ------------------- ---------- ---------------- Discover More Card Account Summary --.-....-..- - --------- Closing Date: June 19, 2007 page 1 of 4 Account number ending in 7193 Previous Balance i $494.10 Payment Due Date July 18, 2007 Payments And Credits 71.25 ' Minimum Payment Due $108.00 Purchases + 1,941.03 Credit Limit $6,300.00 Cash Advances + 2,900.00 Credit Available $867.00 Balance Transfers + 0.00 Cash Credit Limit $3,200.00 Finance Charges + 168.28 :Cash Credit Available $300.00 New Balance - $5,432.16 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 32.72 New Cashback Bonus This Period 5% Cashback Bonus + 3.19 Everywhere Else + 7.07 C-ashback-BonusOSince-Anniversary-Month----- ---------- -- ----- - -_..-----------._----__--__ Cashbadc Bonus Balance $ 42.98 August: $16.72 CONGRATULATIONS I Your Cashback Bonus(R) is waiting for you. Visit iDiscovercard.com or call 1.800-DISCOVER (1-800-347.2683) to get your share of America's #1 Cash Rewards Program. 'How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance For hearing impaired) see reverse side 1. Visit Discover com to pay your bi0 for no cost, view your latest Account information, earn and redeem rewards and more 2. Call 1.8004)ISCOVER (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. Payments and Credits MercE,endise/Retail Trans. Post Date Date May 22 May 22 PHONE PAYMENT - THANK YOU $ 45.00 May 31 Jun 3 SAMS CLUB - #8175 HARRISBURG PA -26.25 May 23 - May 23 NFI*WWW.NETFLIX.COM/CC-NETFLIX.COM-CA- -- --- - -- -14.07-----.- 226610895 May 23 May 23 RITE AID LEMOYNE PA 15.14 May 25 May 25 AMAZON.COM AMZN.COM/BILLWA 12.47 81412049601162 May 26 May 26 AMAZON.COM AMZN.COM/BILLWA 36.36 89147566640193 May 28 May 28 DOTS STORE #504 LEMOYNE PA 31.66 May 29 May 29 COS*COSMETIQUE 800-621.8822 IL 1.00 4652557 May 29 May 29 MUSICNOTES.COM 800.9444667 WI 24.75 May 29 May 29 ONUNGO ITALIAN CD 800.9496880 CA 1.00 May 29 May 29 ONUNGO ITALIAN CD 800-9496880 CA 5.95 May 30 May 30 BLOCKBUSTER ONLINE 18666922789 TX 10.59 May 31 May 31 AMAZON.COM AMZN.COM/BILLWA 34,98 91895811039811 Get 5% Cashback Bonus(R) from July through September on gas, hotels, and admission to theme parks, water parks, museums, aquariums and zoos with the Get More program. Sign up at Discovercord.com or call 1-800-DISCOVER '(1-800-347-2683). Important Information. If Mere is more than one pope to ttds W M M statement, see the back of each page for addilioriei. important information. See yourCarduember Agreement Yaw Cardmember agreement comma all the terms of yourAccount Lost or stolen cards. Report Immediately! Cal 1400.347.2683. Wall Rights Summary. In Case of Err= or Questions About Your Bait If you think your bill is wrong, or I you need more information about a transaction on you did, write us on a separate sheet of paper at Discover, PO Box 30421, Sett lake Citft Ur 84130.0421, as soon as possible. tff8 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 Amount number The dollar amount o(t a suspected error Describe the error and mcplain, I you can, why you believe there is an anon. I you need more information, describe the lam you are. unsure about You do not have to pay any amount in question white we are Fwestlpetig, but you are wil obligated to pay the parts of your bill that are not in question. Mle we investigate your question, we cannot report you as dekgaad or take any action to collect the amount you question. Special Rate for Credit Cud Purchases: 9 you have a problem with the queHy of goods or services hat you purchased with a credit cad and you have tried in good faith to correct the problem with the merchant, you may not have b pay the remering ankhl due on On goods or services. You have the protection only when the purchase price was mare then $50 and to purdase was made in you home strata or within 10D mks of your mailing address. (If we own or operate the mercha L or Iwe mailed you the advertisement for the good or serices, all the purchase we covered regardless of the.smount or location of the purchase.) Payments. Send only you payment and the top portion of the dolement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us In use khfometion on your check to mace and electronic fund transfer from your account at the financial istitution indicated on your check or to process the payment as a check transaction. If the payment is processed as an eecaonio fund transfer, the transfer will be for the amount of the check. When we use information from you check to mace an electronic find transfer, kaxk may be witlndawn from your account as soon as the same day we receive your payment, and you will not receive you check back frcrn your fnatioW institution. The proC@S&mg Dfyor-paymentmayba.delayedA ym send cab, Donesp0l1derimor of eriemswith your payment, rLyou send ft paymmtkaly otheradktess *Li you usese envelope other than Yoe one provided Payments received in proper form at our processing facility by 5PM local time on any day will be creamed 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, Carol Stream, IL 60197-6W. Please allow 7-10 days for delivery. If your payment is refined unpaid, we reserve the right to resubmit it as an electronic debit You can pay your minimum parent ora greater amount over the telephone, and you can set up automatic payments. Cal us at 1400.3472683. You will need this statement and you bards account information. You must ensue that sufficient finds we avelabb.n your bank account and all transactions must comply with VS. law. You will be asked to provide the first 5digh of you account statement ZIP code. By artarng Moss numbers as yaw electronic signature, you will be agreeing to this auYarizabon to allow us and you bank to deduct each payment you authorize from your bank aocant, and to idtima debit or credit still= to your bank account. as applic", to correct error in the processing of such payment. You mat left us the amount of each payment, or you can %W 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 notify us by phone at 14M MT-2683 or by met at the address listed in the previous paragraph. If your payments may vary in amount we will tell you an each monthly statement when you payment will be made and how much it will be. You Automatic payment amount may be less that the indicated on die monthly statement based on credits or payments applied during the bung cycle. Credit Reporting. We may report information about you acm rd to crag bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report ft nomelly report the stakes and payment NMyof your Amount to rxsdl reporting agencies each month. If you believe that our report is inaccurate or hoomplele, please write us at the following address: Discover, PO Box 15316. Wil miglon, DE 19850.5316. Please include your name, address, tame telephone nirrther and Account number. PERIODIC FINANCE CRAGE& Periodic Finance Charges are imposed on all transactions from the date the treraadlon is posted to your Account unlit the date you pay you entire New Balance, by making payments or receiving credits-However, we will provide the Wowing 'grace periDT If you paid the New Balance on your pervious billing statement by the Payi era Due Data shown on that steterrmenl and you pay the New Balance by-die Payment Due Date on this statement we will rat irrmpose Periodic Finance Charges on row. purchases, that is, fi rdbses fret appear" on this statement Otherwise. you will receive a billing statement next month Mat includes Periodc Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We set your trasedio ns into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Pementege Rate For exun* purchases subject to a promotional role and purchase ; su*d to standard Tate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compete Periodic Finance Charges for each day of the billig period for each transaction category. We use the blowing equation to compute Periodic for each transaction category Average Daly Balance x rnmber of days in the brag period x Daily Periodic Rate. (Sea the fnance doge summery on you statement for these amounts.) Then we add up Me Periodic Finance Chagas for each transaction category to get the total Periodic Finance Charges for your Account The avert Daily Balance is - - aawn as zero 9.berause of lire grace *W no Pero3c FKWn e-U ierges "V to the Balance in ii transaction category. We use the Average Daily Balance (including new transactions) meted of calculating the balance upon which As impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding lip all to daily balances in a bf q period for a transaction category and dividing the total by Me number of days in the billing cycle. We compkde tie daily balance far each transaction category on each day by first adding the following to the previous days daily balance, transactions made that days fees charged Mat day and Periodic Finance Charges accrued on that day. Ba transaction is posted to your Account after the dose of the billing period in which it occurs, we will treat the transaction as having occurred on the first day of the billing pond in which it is posted to your Amount. AN fees charged to your Account are added to the standard purchase transaction category with ft excep6m 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 the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction categoy. However, I the special rate has been terminated under to Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in die applicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, call 14Y0.347.7449. Discover may monitor and/or record telephone cells between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER tlpaysto KIMMEL, JENNIFER A Account number ending in 7193 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you con help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC o? s PPRGRN.0810 Closing Date: June 19, 2007 page 2 of 4 ,Merchandise/Retail Jun 3 Jun 3 DOLRTREE 9400009456868 LEMOYNE PA 15.18 Jun 4 Jun 4 COS*COSMETIQUE 800-621-8822 IL 1.00 4666550 Jun 4 Jun 4 TLI*ACTIPRiL.COM 888-519-4622 ND 8,95 VLFC1B76C2A7 Jun 4 Jun 4 COS*COSMETIQUE 800-621-8822 IL 4.95 741757085001 Jun 5 Jun 5 AP9*PASSPORTTOFUN 888-999-0557 CT 1.00 M47625151 Jun 5 Jun 5 AP9*ATHOMEREWARDS 877-636-6858 CT 1,00 M24625151 Jun 5 Jun 5 AP9*YOURSAVINGSCLUB 877-820-7107 CT 1.00 9996708209670820 Jun 6 Jun 6 STRAWBERRY PATCH HARRISBURG PA 6.83 Jun 6 Jun 6 TLI*XHOBATOL.COM 888-519-4622 ND 8.95 ---- --------- --- -- . .- VQFC1B2F429D---- --- -------- - --- ---- -- -- - --- --------------- Jun 7 Jun 7 WF-DENISEAUSTIN.COM 8886621293 NY 78,00 Jun 7 Jun 7 BMG MUSIC SERVICE 317-692.9200 IN 19,87 Jun 7 Jun 7 BLOCKBUSTER ONLINE 18666922789 TX 10.59 Jun 7 Jun 7 AP9*SHOPPINGESSENTIAL 888-999-0564 CT 1,00 M41445251 Jun 7 Jun 7 AP9*SAVINGSMART.COM 800-3 1 6-8 774 CT 1.00 9892589229258922 Jun S Jun 8 BMG MUSIC SERVICE 317-692-9200 IN 8,88 Jun 8 Jun 8 TM *TICKETMASTER INTER 215-336.2000 NY 93.50 PHIEA36F26.33721 Jun 9 Jun 9 BMG MUSIC SERVICE 317-692-9200 IN 8,88 Jun 9 Jun 9 COL*HOUSE VIDEO CLUB 800-262-2001 IN 18.45 112936879 Jun 10 Jun 10 DRESS BARN #0832 HARRISBURG PA 79.99 Jun 11 Jun 11 AP9* TRIAL HOME BNI 800-333-1915 CA 1,00 W3251843.110607 Jun 11 Jun 11 LIVING CHRISTIAN CD 180-09355643 CA 1.00 Jun I 1 Jun I 1 LIVING CHRISTIAN CD 180-09355643 CA 5.95 Jun 11 Jun 11 COS*COSMETIQUE 800-621.8822 IL 4.95 T41860995001 Jun 12 Jun 12 ------ AP9*PASSPORTTOFUN 888-999-0557 CT ----- 19.95 8267028386702838 Jun 12 Jun 12 AP9*ATHOMEREWARDS 877-636.6858 CT 19.95 2565216146521614 Jun 13 Jun 13 ALPHACALM 800.5117004 CA 9.95 Jun 14 Jun 14 MEDCO HEALTH NVERSAILLES NORTH VERSAILPA 141.00 Jun 14 Jun 14 AP9*SHOPPINGESSENTIAL 888-999-0564 CT 19,95 5086239388623938 Jun 15 Jun 15 DOLRTREE 9400009456868 LEMOYNE PA 1.06 Jun 16 Jun 16 NFI*WWW.NETFLIX.COM/CC NETFLIX.COMCA 19.07 232910913 Jun 16 Jun 16 WAL-MART SC - #1591 HARRISBURG (EPA 65.55 Jun 16 Jun 16 RITE AID LEMOYNE PA 13.06 Jun 16 Jun 16 OLINGOLANG8005912457-V 800.5912457 CA 69.95 Jun 18 Jun 18 TLI*WWW.TLSCIENCES.COM 888.519-4622 ND 58.90 Questions? Manage your account at Discover.com or ,call 1-800-DISCOVER (1-800-3A7-2683). D z 2 m D o_ 0 0 N A V DISCOVER it pays to KIMMEL, JENNIFER A DISCOVER Account number ending in 7193 Go green. Go paperless. Join the effort to save trees and dean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover corn/paperless and sign up for Paperless Statements today. m2010 Discover Bonk, Member FDIC Jun 17 Jun 17 HERSHEYPARK FOODS HERSHEY PA May 24 May 24 DIS"DISNEY MOVIE CLUB 800-362-4587 CA Closing Date: June 19, 2007 page 3 of 4 Merchandise/Retail VUJCI AE3A29C :Restaurants May 27 May 27 TOPS BUFFET CAMP HILL PA May 29 May 29 ROXY'S CAFE HARRISBURG PA May 31 May 31 ROXY'S CAFE HARRISBURG PA Jun 1 Jun 1 PASSAGE TO INDIA 7172331202 PA Jun 4 Jun 4 ROXY'S CAFE HARRISBURG PA Jun 4 Jun 4 BREWHOUSE GRILLE CAMP HILL PA Jun 6 Jun 6 ROXY'S CAFE HARRISBURG PA Jun 6 Jun 6 APPLEBEE'S HAR07100050 HARRISBURG PA Jun 6 Jun 6 CHINA WOK RESTAURANT 7175611323 PA Jun 9 Jun 9 BURGER KING #617 Q07 71777AS808 PA Jun 11 Jun 11 ROXY'S CAFE HARRISBURG PA Jun 12 Jun 12 ROXY'S CAFE HARRISBURG PA Jun 14 Jun 14 ROXY'S CAFE HARRISBURG PA __________________ ____Jun_18_ - Am-18- _ROXY'_S CAR. HAnMVRQ?A------- _-_-_------_ Other/Miscellaneous May 22 May 22 PAY BY PHONE PROCESSING FEE - DBT Gasoline May 26 May 26 SAMS CLUB - #8175 HARRISBURG PA Trovel/Entertaimnent Jun 7 Jun 7 CONSOLIDATED RESORTS P LAS VEGAS NV Services Cash Advances Supermarkets PPRGRN.0810 22.03 6.00 12.50 27.54 17.40 46.45 10.00 18.41 8.16 3.18 13.81 11.63 11.60 ---12.66 10.00 41.98 9.95 23.06 5.97 107975844960961 May 31 May 31 CINGULAR*3494438900140 WICHITA FAL TN 61.67 Jun 4 Jun 4 THE BREAST CANCER SITE SEATTLE WA 61.80 Jun 7 Jun 7 WFSOUTHBEACHDIET.COM 8886258707 NY 78.00 May 25 May 25 DOWNTOWN HBG BRANCH HARRISBURG PA 1,500.00 May 25 May 25 CASH ADVANCE TRANS FEE FINANCE CHARGE 45.00 Jun 6 Jun 6 DOWNTOWN HBG BRANCH HARRISBURG PA 1,400.00 Jun 6 Jun 6 CASH ADVANCE TRANS FEE FINANCE CHARGE 42.00 May 27 May 27 WEIS MARKETS #125 CAMP HILL PA 18.29 Jun 1 Jun I WEIS MARKETS #125 CAMP HILL PA 8.52 Jun 4 Jun 4 WEIS MARKETS #125 CAMP HILL PA 6,08 Jun 5 Jun 5 WEIS MARKETS #174 HARRISBURG PA 7.02 Jun 11 Jun 11 WEIS MARKETS #125 CAMP HILL PA 6.08 ---Jun 12--- Juni2-- -SUPERFUODSRX-800-9985667CA--.------------- -- 6.95 - - Jun 16 Jun 16 WEIS MARKETS #125 CAMP HILL PA 1312 Medical Services May 24 May 24 HEALTHSOUTH NEW CUMB NEW CUMBERLANPA 90.00 Jun 2 Jun 2 HOLY SPIRIT HOSPITAL 7177632100 PA 50.00 ;Government Services May 29 May 29 WINE & SPIRITS 2102 LEMOYNE PA 6.35 Jun 13 Jun 13 WINE & SPIRITS 2102 LEMOYNE PA 34.43 Jun 16 Jun 16 WINE & SPIRITS 2102 LEMOYNE PA 25.43 Warehouse Clubs May 27 May 27 SAMS CLUB - #8175 HARRISBURG PA 43.55 Jun 5 Jun 5 SAMS CLUB - #8175 HARRISBURG PA 10.95 Jun 6 Jun 6 SAMS CLUB - #8175 HARRISBURG PA 2.07 Jun 9 Jun 9 SAMS CLUB - #8175 HARRISBURG PA 21,26 Department Store May 24 May 24 SEARS.COM 9300 NAPERVILLE IL 63.85 0V4 s Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). 0 z o? a o_ 0 0 N N N A V ' _ Kccount umber JENNIFER ending number endng in 7193 DISCOVER Itpays Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discove, Bonk, Member FDIC 0V4 a PPRGRN.0810 Closing Date: June 19, 2007 page 4 of 4 ;Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. Soon we'll no longer be printing your fuli account number on your statement. It's just another way to keep your information safe. But of course, if for any reason you need your full account number, it'll still be right there on your card. Build rewards faster with top online retailers such as Torget,com, DicksSportingGoods.com, LandsEnd.com, iTunes.com and many more when you link through ShopDiscover. Just visit Discovercard.com/shop to see our full listing of online retailersi Congratulations. tathe.2007National.Discover%Card Tribute Aword(R?Scholotship winners: -Sharma Decker, Karfynda _ _ --------- Johnson, July Lee, Emily Lester, Kathleen McGlynn, Eric Ndikumono, Donica Samuels, Kelsey Tainsh, Kelly Wolfe and Stephanie Wong. Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute to learn more. 'Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $942.77 0.07942% 28.99% F 28.99% $2120 $0 Post Purchases $396.00 0.07942% 28.99% F 28.99% $9.74 $0 Cash Advances $1963.35 0.07942% 28.99% F 56.00% $48.34 $87.00 The rates that apply to your Account are either fixed (F) or they may vary (Vj as noted above. ,Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). F Z rn D o_ 0 0 N W N A V DISCOVER New Balance Minimum Payment Due l $7,105.57 $198.00 ?1I Payment Due Date August 18, 2007 19 SDSN6A01 0023249 KIMMEL, JENNIFER A 1489 PEIEFERS LN HARRISBURG PA 17113-1018 Account Number ending in 7193 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $1,305.57. Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discoverconUpaperiess. PO BOX 71084 111rrrll""rrlllrlrrl{"' CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeZ Print change in space III loll „1u1lilln111rlrln?{{{{nr{??{u{n{In{??{ulr{sill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207071055700000000019800 Discover More Card Account Summary Closing Date: July 19, 2007 page 1 of 4 Account number ending in 7193 Previous Balance $5,432.16 Payment Due Date August 18, 2007 Payments And Credits - 1,400.00 Minimum Payment Due $198.00 Purchases + 2,929.75 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,946.00 Finance Charges + 143,66 Cash Credit Available $0.00 New Balance = $7,105.57 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Botwse Opening Cashback Bonus Balance $ 42.98 New Cashback Bonus This Period 5% Cashback Bonus + 6.56 Everywhere Else + 24.30 Cashback Bonus® Since-AnniversoryMonth- - - - - - - - - - - - - - August: $47.58 CasSback 9onus Baksnce $ 7194 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1. Visit Discovercom to pay your bbl 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 selfservice options or to speak with a Customer Service Account Manager Please have your Discover Cord available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side SaB Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 22 Jun 22 INTERNET PAYMENT -THANK YOU $ -200.00 1 00 Jul 2 Jul 2 INTERNET PAYMENT - THANK YOU . 0 -_-Jul-5. -.JuL.5_ INTERNET-PAYMENT-IHANK_YOU .... .. _-200,00------- Jul 8 Jul 8 INTERNET PAYMENT - THANK YOU -1,000.00 Jul 10 Jul 8 RETURNED INTERNET PMT 1,000.00 Jul 10 Jul 10 REPRESENTED INTERNET PAYMENT - THANK YOU .1,000.00 Jul 12 Jul 10 RETURNED INTERNET PMT 1,000.00 Jul 12 Jul 12 INTERNET PAYMENT - THANK YOU -1,500.00 Jul 12 Jul 12 REPRESENTED INTERNET PAYMENT - THANK YOU -1,000.00 Jul 16 Jul 12 RETURNED INTERNET PMT 1,500.00 Jul 16 Jul 12 RETURNED INTERNET PMT 1,000.00 Jul 16 Jul 16 REPRESENTED INTERNET PAYMENT - THANK YOU -1,500.00 Jul 18 Jul 16 RETURNED INTERNET PMT 1,500.00 Merchandise/Retail Jun 18 Jun 20 COL*HOUSE VIDEO CLUB 800.262-2001 IN 82.21 D6270779 Jun 19 Jun 20 BMG MUSIC SERVICE 317.692-9200 IN 4.23 Jun 19 Jun 20 BMG MUSIC SERVICE 317.692-9200 IN 21.18 Jun 19 Jun 20 AP9* BARGAIN HOMES W 800-333.1915 CA 19.80 0 0 Important Information. H [here is more than one page to this balling statement, see the beck of each pap for additional important infamshan. p See your CardmemberAgreement Your Cardmarberagtee nerd contains d tie to= of your Account CF) Lost or stolencards. Report mmet iately! Cd I- 347-2683. o Biking Rights Summary. M Caw of Eam or Questions About Ytxr Bil: If you think your bill is wrong, or Iyou need more information about a transaction on your bill, write us on a o ° separate sheet of paper at Discoveir, PO Box 30421, Sak Lake City, UT 84 1"21. as am as possble. We must beer from you no Imes than 60 days after we sent you the burst bill i f in ad l n r orat on: ow g ol on which the error or problem appeared. You can telephone us, but doing so will riot preserve your rights. In your ladar, give us the A Your name and Account number D • The dollar amount of the suspected error O Describe the error and explain, if you can, why you believe there is an error.. H you reed more information, describe the tern you are unsure abemt. You do not haw to pay any amout in question while we are investigating, but you me still obligated to pay the parts of your big that are not in question. While we investigate your question, we cannot report you as defetquem or We any scion to collect the amount you question. Special Rate for Credit Cad Purchases: H you have a problem with the quality of goods or services Mat you purchased with a cedd card and you have tried in good faith to correct the problem with the merchmd, you may not have to pay the remaining amount due an the goods or services. You have this protection only win the purchase Vice was amts Man $50 sad the purchase was male in your how elate or within t0D miles of your mating address. (If we own or operate the merchant, or Hwe mailed you the advedisementfor the good or services, ad the purchase are covered regardless of the amount or location of to purchase.) Payments. Send only you payment and the top portion of the stiremerd in the envelop provided. Do not send cash. By sending your check as descried above, you authorize us to use information on your check to make and electronic And transfer from you account at de financial institrlton Indicated on your check or to process the payment as a check eansacam. If the payment is Weassed as an electronic Lund transfer, the Irsnsfer well be for the amount of the chick When we use information from your died to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The 1rocessingAyow-payment!naybe dew !fyar -4 qa* !g? or otter err-wilt YQu!f payppilt,iFyou send tM payme t b any dher address a kyou use an envelope other than the she 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 processing facility after 5PM keel 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 601976103. Please allow 7-10 days for delivery. H your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay yar minimum payment or a greater amount aver to telephone and you can set up automatic payments. Cat us at t-8003472683. You will need this statement and your bank account nfo mabon. You must ensure that sufficient funds are available in your bank account, and all transactions must mff* with U.S. law. You will be asked to provide the fast 5 digits of you account statement ZIP code. By entering hose numbers as you ek i onic signature, you will be agreeing to this authorization to allow us and you bank to deduct each payment you authorize from your hank account, and to initiate debit or credit entries to your bank account as applicable, to correct error in the processing of such payment. You mat 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 anxel a payment, however we must receive notice at least tree business days in advance of the scheduled payment. You may nody us by phone at 1800347.2663 or by map at the address listed in Me previous paragraph. If your payments may vary in amount we will tell you on each no" statement when you payment will be made and how much it will be. Your Automatic payment amount may be less than the Wimled on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your aoceurd to credit bureaus. Late payments, missed payments, or other defaults on you acoomt may be reflected in your credit report We normally report the status and payment Now of your Account to credit reporting agendas each moth. It you believe that our report is inacmarte or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, hone telephone anther and Aocant rmnber PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on at 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, we will provide the following'grace period" If you pad the New Balance an your pervious billing statement by to Payment Due Date shown on that saterent, and you pay the New Balance by the Payment Due Date on his statement we will not impose Periodic France Charges on new purchases, that is, purchases Aril 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 sat your lransecAas into grays of purchases, rash ad anoes, and balance travelers and then futharaort the transactions within each group by their Annual Parcemage Rate. For example purdeses subject to a prmational rate and purcases subject to standard rate would be separate groups. We refer to these groups as transaction categories At the end of each billing period, we compuls Periodic Finance Charges for each day of to b8ing period for each transaction category. We use the following eguation to compute Periodic her each transaction category. Average Daily Balance x amber of days in the billing period x Deily 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 Periodic Fnance Charges for your Account. The average Deity Balance is st"-ad-barb if Wcause of the - iod -?no ... l'erio?c'F iges apply to the balance in a transaction category, We use the Average Daily Balance (mdudirg new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the dedy balances in a bang period fa a transaction category and drridng the total by the number of days in the billing cycle. We compute the deity balance for each transaction category on each day by first adding the fallowing to the previous day's daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. H a transaction is posted to your Account after the dose of the billing period it which it oomrs, we will treat the transaction as having occurred on the Asst day of the billing period in which it is posted to your Account. AN fees charged to your Account are added to IM standard purchase transaction cater,Jery 16th the exception of Cash Advance Transaction Fee Finance Charges which are added to . . the applicable cash advance vansadion category and Balance Transfer TnnsecDon Fee Finance Charges which are added to the applicable balance transfer transaction category Wben the special rate expires, we move to unpaid balance of the balance transfer and the Balance Transfer Transeclion Fee Finance Charges to the standard purchase transaction category. However. H the special rate her been temiratedpnder to Default Rate Plan, we Leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in One applicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for the DeaO assistance, rail 1800.347-7449. Discover may monitor andfor record telephone calls between you and. Discover representatives for quality assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER it pays 10 KIMMEL, JENNIFER A DISCOVER Account number ending in 7193 Go green. Go paperless. Join the effort to save frees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You 11 also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover-com/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC a R s PPRGRN.0810 Closing Date: July 19, 2007 page 2 of 4 Merchandise/Retail A7666244.061907 Jun 19 Jun 20 DOLRTREE 9400009456868 LEMOYNE PA 1.00 Jun 20 Jun 20 AP9* WISEHOUSEBUYER 800.333-1815 CA 1.25 A7675294.062007 Jun 20 Jun 20 TLI*WWW.TLSCiENCES.COM 888-519-4622 ND 61.90 VRFC1801DF69 Jun 20 Jun 20 AMAZON.COM AMZN.COM/BILLWA 9.99 88108495547084 Jun 23 Jun 23 COL*HOUSE VIDEO CLUB 800-262-2001 IN 27.50 85538880 Jun 27 Jun 27 BMG MUSIC SERVICE 317-692-9200 IN 28.60 Jun 28 Jun 28 CIC*TRIPLE ADVANTAGE 877-481-6825 CA 12.00 Jun 29 Jun 29 MEDCO HEALTH NVERSAILLES NORTH VERSAILPA 27.00 Jun 29 Jun 29 HUDSON NEWS 10 HARRIS MIDDLETOWN PA 1.59 Jun 29 Jun 29 IJVCHRSTCD8009355643-V 800.9355643 CA 69.95 ----------------_--- Aof2-- Jul 2- COS*COSMETIQLJE-800.621-8822IL ---------- ------------ 2"5.90_ - T41757085002 Jul 5 Jul 5 AP9*YOURSAVINGSCLUB 877-820-7107 CT 1.00 999670820887861,4 Jul 6 Jul 6 AP9*SAVINGSMART.COM 800-316.8774 CT 1.00 9892589223376299 Jul 7 Jul 7 MALECS PETS LEMOYNE PA 25.43 Jul 7 Jul 7 RITE AID LEMOYNE PA 6.16 Jul 9 Jul 9 COS*COSMETIQUE 800-621.8822 IL 25.90 741860995002 Jul 11 Jul 11 DOLRTREE 9400009456868 LEMOYNE PA 5.12 Jul 13 Jul 13 AP9*PASSP0RTT0FUN 888.999-0557 CT 19.95 8267028388,407594 Jul 13 Jul 13 AP9*PASSPORTTOFUN 888.999-0557 CT 1.00 826702838773950A Jul 13 Jul 13 AP9*ATHOMEREWARDS 877.636-6858 CT 1.00 2565216149478113 Jul 13 Jul 13 AP9*ATHOMEREWARDS 877.636-6858 CT 19.95 2565216146306060 Jul 13 Jul 13 RITE AID LEMOYNE PA 18.00 Jul 13 Jul 13 AMAZON.COM AMZN.COM/BILtWA 21.98 857102174614 Jul 16 Jul 16 NFI*WWW.NETFLIX.COM/CC NETFLIX.COM CA 19.07 240731694 Jul 16 Jul 16 OLINGOLANG8005912457-V 800-5912457 CA 76.90 Restaurants Jun 19 Jun 20 SUBWAY #30916 00309161 HARRISBURG PA 8.05 Jun 20 Jun 20 ROXY'S CAFE HARRISBURG PA 11.63 Jun 21 Jun 21 THE FIREHOUSE HARRISBURG PA 6.50 Jun 22 Jun 22 ROXY'S CAFE HARRISBURG PA 10.89 Jun 25 Jun 25 DUKES RIVERSIDE WORMLEYSBURG PA 27.14 Jun 25 Jun 25 ROXY'S CAFE HARRISBURG PA 11.42 Jun 26 Jun 26 ARBY'S #5350 00053504 HARRISBURG PA 6.72 Jun 27 Jun 27 CADDY SHACK MECHANtCSBURGPA 9.00 Jun 28 Jun 28 ROXY'S CAFE HARRISBURG PA 11.26 Jun 28 Jun 28 COAKLEY'S REST AND PUB N CUMBERLAND PA 29.26 Jul 1 Jul 1 FISAGA HARRISBURG PA 19.33 Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). N v z rn A o_ 0 0 u? N A t0 D O v Dit pays to ISC ? KIMMEL OVER JENNIFER A V ER' number ending in 7193 DISCO, Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up far Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password protected, statement history, complete with merchant names, locotfons and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC ?R s PPRGRN.0810 Closing Date: July 19, 2007 page 3 oF4 Restaurants Jul 2 Jul 2 ROXY'S CAFE HARRISBURG PA 13.81 Jul 6 Jul 6 SUBWAY #30916 00309161 HARRISBURG PA 7.62 Jul 6 Jul 6 ARBY'S #5350 00053504 HARRISBURG PA 4.48 Jul 7 Jul 7 TG1 FRIDAYS #1469 MECHANICSBURGPA 49.18 Jul 9 Jul 9 ROXY'S CAFE HARRISBURG PA 22.90 Jul 9 Jul 9 FRIENDLY ICE CREAM CAMP HILL PA 6.49 Jul 10 Jul 10 SUBWAY 430916 00309161 HARRISBURG PA 7.83 Jul 10 Jul 10 CARRABBAS #8909 MECHANICSBURGPA 46.98 Jul 13 Jul 13 GARFIELD'S HARRISBURG HARRISBURG PA 35.58 Other/Miswimeous Jun 29 Jun 29 CASH ADV RTRN CHK FEE #2724 35.00 Jul 3 Jul 3 CASH ADV RTRN CHK FEE #2724 35.00 Jul 10 Jul 10 FEE FOR RETURNED ACH PAYMENT 35.00 Jul 16 Jul 16 FEE FOR RETURNED ACH PAYMENT 35.00 Jul 19 Jul 19 OVERLIMIT FEE 39.00 Gasoline- - - - - - -- - - - - -- -Jun-18 - -Jun-20 - - HESS- 38419 LEMOYNE- PA- - - - - - - - - - - - - - - - - - - - - _ -35.64 Jun 20 Jun 20 EXXONMOBIL HARRISBURG PA 8.99 Jun 23 Jun 23 AMOCO OIL 06887392 LEMOYNE PA 11.46 Jul 3 Jul 3 EXXONMOBIL HARRISBURG PA 6.10 Jul 9 Jul 9 BP OIL 06887392 LEMOYNE PA 10.32 Jul 10 Juf 10 EXXONMOBIL HARRISBURG PA 19.39 Jul 14 Jul 14 BP OIL 06887392 LEMOYNE PA 7.26 Jul 14 Jul 14 HESS 38256 LEMOYNE PA 32.18 Travel/Entertainment Jul 10 Jul 10 TRAVELOCITY TOTAL TRIP 800-256-9089 TX 1,229.50 Services Jun 26 Jun 26 POLISHED, A NAIL SUN AND LEMOYNE PA 24.00 Jul 10 Jul 10 D1S'DISNEY MOVIE CLUB 800-362-4587 CA 25.90 117623856131441 Supermarkets Jun 18 Jun 20 WEIS MARKETS #125 CAMP HILL PA 6.08 Jun 23 Jun 23 WEIS MARKETS #125 CAMP HILL PA 12.39 Jun 24 Jun 24 WEIS MARKETS #125 CAMP HILL PA 2.49 Jun 25 Jun 25 WEIS MARKETS #125 CAMP HILL PA 8.50 Jun 28 Jun 28 WEIS MARKETS #125 CAMP HILL PA 10.16 Jul 1 Jul 1 WEIS MARKETS #125 CAMP HILL PA 73.03 Jul 9 Jul 9 WEIS MARKETS #125 CAMP HILL PA 50.86 Services Government Jun 23 _ Jun 23 WINE & SPIRITS 2102 LEMOYNE PA 40;27 . Jun 27 Jun 27 WINE & SPIRITS 2102 LEMOYNE PA 22.24 Home Improvement Jun 24 Jun 24 HEPFERS HOMECENTER LEMOYNE PA 5.28 Department Store Jun 28 Jun 28 SEARS.COM 9300 NAPERVILLE IL 126.08 Information For You Soon we'll no longer be printing your full account number on your statement. It's just another way to keep your information safe. But of course, if for any reason you need your full account number, it'll still be right there on your card, Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). 0 m z rn D o_ 0 0 N fJ N A D O v DISCOVER DIt par IS O I'IMMEL, CO umber ER A f EI?I Account number ending in 7193 Go green. Go paperless. Join the effort to save trees and dean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC 0*4 a PMRN.0810 -. -- ------- - -- ----------------.-.---...-----°`---------------------- Closing Date: July 19, 2007 page 4 of 4 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. 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 Balances RRaLLt RATES RATES CHARGES CHARGES .current billing period: 30 days Purchases $2842.96 0.07942% 28.99% F 28.99% $67.73 $0 Past Purchases $116.59 0.07942% 28.99% F 28.99% $2.77 $0 Cash Advances $3070.55 0.07942% 28.99% F 28.99% $73.16 $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). 0 z D 0 O O N W N A W D O v New Balance Minimum Payment Due Account Number ending in 7193 DISCOVER' $7,071.01 $213.00 _ Enter Amount Enclosed Below Payment Due Date $ September 18, 2007 Please make check payable to Discover Card or pay online @ Discovercard.com. 19 SDSN6A01 0023250 KIMMEL, JENNIFER A GopapeHess andmake your account information more secure with password- 1489 P E I F F E R S L N pprotected statements only you can access. HARRISBURG PA 17113-1018 Learnmoreatdiscover.comlpaperless. PO BOX 71084 11111111111111111 111111111 CHARLOTTE NC 28272-1084 t Address, e-mail or telephone change? Print change in space 111111 111 rill 11 It111111'Ir1111111111111III1111111111111111111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special oilers. 000001986618070722207070710100250000021300 -------------------------------------------------------------------------- 'Discover More Card Account Summary --- ------------------ Closing Date: August 19, 2007 page 1 of 1 Account number ending in 7193 Previous Balance $7,105.57 Payment Due Date September 18, 2007 Payments And Credits - 250.00 Minimum Payment Due $213.00 Purchases + 39.00 Credit limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,946.00 Futance Charges + 17644 Cash Credit Available $0.00 New Balance $7,071.01 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Coshbock-Bonusl& Since-Anniversary.Mordly August: $47.58 Opening Cashbock Bonus Balance $ 73.84 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 73.84 ;How Can We Help You? 1. Visit Discover eom to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more ;It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 17 Aug 17 PAYMENT- THANK YOU $ •250.00 Other/AAiscellansous Aug 19 Aug 19 OVERUMIT FEE 39.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FQOANCE Balances Rates RATES RATES CHARGES CHARGES .current billing period: 31 days Purchases $4018.30 0.07942% 28.99% F 28.999% $98.93 $0 Past Purchases $2.53 0.07942% 28.99% F 28.99% $0.06 $0 Cash Advances $3145.82 0.07942% 28.99% F 28,999'0 $77.45 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. ---------- --- ----------- -------- Important Information. IF More is more than one page to this b8ig statement, see the beck of each page for additional import" information. p Se En e yourCardmember Agreement Your Cardmarnber agreement contains at the terms of your Account En Lost or detain dada. Report immedietely! Call 1804347-2663. Billing RWO Summary. In Case of Evora or queshonsAbout Your Big. If you think you bill is wrong, or i(you need more information about a transaction on your bill, value us on a separate sheetof paper at Discover, PO Box 30421, Salt Lake Cry, UT 84130-0421, as soon as possible. We must hearfran you no later than 60 days afterwe sent you he fustbit on which theenot or pwhlem appeared. You can teleplwne us, bid donnif SOYA not preserve your d9lits. in your teuef, give us Mafefiowirs infcnmetioc Your now and Account number The dollar a fount of the suspected error Describe ga error and explain. 9 you can, why you believe two is an eror.If you need more information, describe the item you are unsure about. You do not have to pay any armour in question while ova ere kwasrgeting, but you are stir obligated to pay the pans of your b8 that are not in question. While we investigate your question, we cannot report you as dekywrit or take any scion to ohNed ge amount you question. Sperlal Rate for CredM Card Purchases: M you have a problem with the quality of goods or services Mmet you pwmmased with a crack[ card and you haws tried in good lath to correct the problem with the merchant, you may not have In pay the rematrng WOO due on the goods of services. You have on protection only when the purdnase price was mane than $50 and the purchase me made in your home stale or within 100 mites of your me&* address. (If we own or operate the merchant, or B we mailed you to advertisement tor the good or servioes, all the purchase are covered regardless of the amount or location of the purchase.) Payments, Sad any your payment and the top potion of the statanem in the envelop provided. Do not sad cash. By sending your deck as described above, you auMar¢e us to use information on your check to make and electronic fund lea olarfrom your account at the financialestitidion indicated on yourdnedc or to process the payment as a dwo k tmnsedion. if the payment is processed as an dedrornc fund transfer, the transfer will be for the amount of the check. When we use information from your deck to make an electronic lead transfer, fords may be withdrawn 6om.your socouM as soon as to same day we receive your payment, and you will not recehre your check back from your financial institution. The processng of )arapayment meyba delayed ifyqu send cash. mnespoOernce a other items with your py r _O you send the paymerM,to any other address a fjrou use an _ _ - envelops other thhen the one provided. Payments received in proper form of our processing fait ty by 5PM local time on any dap will be credited to yourAmount as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced yaw envelope, send your payment to Discover. PO Bak 6103, Cad Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the night to resubmit it as an elec tow debit You can pay your minimum payment or a greater met" over the telephone, and you ce n set up automatic payments. Cal us at 18043472683. YOU VAN need this stelement and your bank account information. You must ensue that sufficient leads are available in your bank account. and ell transactions must comply with U.S. law. You will be asked to provide the fast 5 digits of you wmffd statement LP code. By entering those numbers as your electroric signature, you will be agreeing to this au0erization to allow us and your bank to deduct each papist you authorize from your bank account, and to i idam debit or credit sties to your bank account, as applicable, to paned error in the processing of such payment You must bfi us the 8rnamtof each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement You can earwel a paytnent, however we must receive notice at least bee business days in advance of the scheduled psyment You may notily us by phone at 1.804347 2683 or by mat at the address tailed 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 then the indicated on the monthly statement based on credits or payments applied during the hitting cycle. Credit Reporting. We may report information about your account to credit burem. Late payments. missed payments, or other defaults on your account may benillecled in your credit report. We normally report 'tostatus 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 16316, Wilmington, DE 19850.5316. Please include your name, address, home telephone number and Account number. PERIMC FINANCE CHAGES. Periodic Finance Charges are inposed on all transactions from the data the transaction is posted to your Accmmt until the data you pay your entire Now Balance, by mating payments orrom l; credits. However. we will provide the following 'grace period' If you pad the New Balance on your pervious brig ant by the Paynew Due Dab slain on that dominant 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 Changes on gorse new pwdhasas. There is no grace period on balance banefaa or cash advances. We sat your transactions No groups of purchases, cash advances, and balance transfers and fen further and the transactions withn each group by their Amoral Percentage Role. For exernple Purchases subject lo e promotional rate and purchases subject to standard rate wood be separate groups. We refer to time groups as transaction calegoriee. At the end of each lidling.period, we compute Particle Finance Charges for each day of ghe boring period to each iransation category. We use. he following equation to corrit ute Periodic for each transaction category Average Daily Balance x ramhber of days in fe bill" period x Only Periodic Rate. (See the finance charge summary on you statement for these smarms.) Then we add up tie Periodic Finance Charges to each transaction category to get the local Periodic Finance Charges for your Account. The average Daily Balance is 90011b "zero it,becat" of ttwgrsteperrod,lw Periodic Finance Charges apply to the balance in a transaction category. We use he Average Daily Balance (including new traraachah4) method of calculating he balance upon which we uryase Periodic Finance Charges. We compute the Average Daily Balance for each ttansacoan category by adding up all the deity bebncas in a bilging period fore transaction categm and dividing Via ptei by the number of days in the bilging cycle. i We compute the day balance for each transectim category on each day by rant adding the following fo he previous days daily balance, transactions made that day. fees chaged that day and Periodic Fiance Changes accrued on het day. If a Ywsackan is posted to your Account after the close of the biting period in which it occurs. we wig treat the transaction as having occurred oni he first day of he biting period in which d is posted to your Account An fees charged to your Acoomt we added to the standard purchase tmreadion category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the appkedhle cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to ha applicable balance transfer transec*n category. When the special tab expires, we move thetnpaid balance of the balance trade and the Balance kansbr Transaction Fee Finance Charges to to dadafd ptttdsse transaction category. However, it the special fate has been ternwreted order the Default Rare 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 fate mould have expired. For TO (Telecommunications Device for the Dea$ assistance, call I.11W 47-7449. Discover may monitor andlor record letephone calls between you end Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. O1TBK10? DISCOVER $7Now ,51660Ce 19 SDSN6A01 6023251 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Minimum Payment Due Account Number ending in 7193 $559.00 Enter Amount Enclosed Below Payment Due Date $ F -? October 18, 2007 Please make check payable to Discover Card. Minimum payment due includes a post due amount of 3411.00. 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercomlpaperless. PO BOX 71084 IllnBill nn!ll,lullnsl CHARLOTTE NC 28272-1084 Irilrllrrlrrilillirrlirlilr??llllirrlrrlirli?ll?rlrrli,irlirll 000001986618070722207075166000000000055900 Discover More Card Account Summary Closing Date: September 19, 2007 page 1 of 2 Account number ending in 7193 Payment Due Date October 18, 2007 Minimum Payment Due $559.00 Credit Limit $5,800.00 Credit Available $0.00 Cash Credit Limit $2,946.00 Cash Credit Available $0.00 Previous Balance $7,071.01 Payments And Credits - 250.00 Purchases + 113.58 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 82.01 New Balance - $7,516.60 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banuse Opening Cashback Bonus Balance $ 73.84 New Cashback Bonus This Period + 0.00 Cashback Bonus-Anniversary :Month: August Cashback Bonus Balance $ 73.84 How Can We Help You? 1. Visit Discovercom to pay your bill for no cost view your iotest 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. Trans. Post Date Date Payments and Credits Aug 21 Aug 21 REPRESENTED PAYMENT - THANK YOU $ -250.00 Aug 21 Aug 17 PAYMENT ADJUSTMENT 250.00 Aug 23 Aug 21 PAYMENT ADJUSTMENT 250.00 Aug 23 Aug 23 REPRESENTED PAYMENT - THANK YOU -250.00 Aug 27 Aug 23 PAYMENT ADJUSTMENT 250.00 Cither/Miscellaneous Aug 2T Aug 17 ADJUSTMENT - FINANCE CHARGE 0.16 Aug 21 Aug 17 ADJUSTMENT - LATE CHARGE 39.00 Aug 21 Aug 17 ADJUSTMENT - FINANCE CHARGE 0.42 -- ----- --- -- Aug21--Avg-21- -FfE-FOkRETURNED, ACIH-PAYMENT----------.---_-_____-35.00------- Sep 19 Sep 19 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchoses and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. Important Informstion, there is more then one page to this billing statement, see the book of each "for additional important information p See your Cardmember Agreement. Your Cardmemba agrwrat i onWm ad to terra of yourAocounL Lost or stolen cards. Report immediately! Call 1804347-2683. o Billing Rights Summery. In Case of Errors or QuestionsAbad'Ybur B7: If you think your bib is wrong, or if you need more information about a transaction on your bf I, write us on a g separate shed of paper at Discover, PO Box 30421.50 Lake Cit% UT 841340421, as soon as possible. We must (hear from you no later than 60 days after we send you the first bib N CO on which the error or problem appeared. You can telephone us, but doing co w8 not preserve your tights. In your letter, give us the fdlewing information: • Your name andAccount number The dailar amount of the suspected uror Describe the error and expo, A you can, why you believe there is an error. If you need was information, describe the kern you are unsure about. You do not have to pay any amount in question while we are imed iga<khg, btu 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 deknkitient or lake any action to polled the amount you question. Special Rah for Credit Cad Purchases: If you have a problem witn the quality of goods or services that you purchased with a credit card and you have bled in good faith to correct the problem with the merchant. you may not have to pay the remaining amour due on the goods or services. You hove this protection only when the purchase price was more then $50 and the purctreae was made in yak hire stale or within 100 miles of you mailing address. (If we own or operate the merchant, or it we mated you the advertisement for the good or services, all to purchase we covered regardless of the ankatn or location of the purchase.) Payments. Send only you payment and the top porton of the shtemen in the em ielop provided.. Do not send dash. By sending your check as described above. you autarize us to use infomation on your check: to make and elecranic fund transfer from you account at the financial nstihrlien indicated on your check or to process the payment as a dhedk transaction: If the payment is processed as an electronic fund transfer, the transfer will be for the amour of the check. When we use information from your check to make an electronic lend transfer, reds may be w Hawn lrom.yo r account as soon as the same day we receive your payment, and you will not receive your chedk.beck from your financial institution. Thepp??s??cessing of yar ?yma?t mmaayyb6ee decayed n you send cash, correspondence or other items with yar payment, if yet send the payment to any other address or if you use an envelope other,urine one pro vh&? Ye niererda raePhved'n (oriri at air s b-Yr; fob lone on snY?Y - mllbe brWed to - Y d PCB crY yourACccunl as of tia[dag Payments; received at our processing facility after 5PM local time will be credited to yourAccamtas of the next day. t you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197-6103. Please abrnv 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 greeter amount over the telephone, and you can set up automatic payments. Cat us at 1-8W3472ti83. You will need This statement and your bank account nformabon. You must ensure tat sufficient funds are available in your bank account, and at transactions must comply with U.S. law. You will be asked to provide the fret 5 d oils of you account statement ZIP code. By entetitg those numbers as your electronic: signature, you will be agreeing to on authorization to allow us and your bank to deduct each paymentyou authonreirorn your bank account, and to its' debit or credit entries to your bank account, as applicable. to correct error in the processing of such payment You moat tell us the smount of each payment or you can select an arnount such as Minimum Payment Due or the New Balance on each statement You can anal a paymen, however we must receive notice at least tree dreinesa.deys n advance of the scheduled payment You may notfy us by phone at 1-800347 2683 or by mad at the address rid in is previous paragraph. If your payments may vary in smou t we will tell you on each monthly statement when your payment will be made and law muds a will be. Your Automatic payment arraunt may be less then the indicated on the monthly statement based on credits or payrnants appied during the billing cycle. Credit Repodri We may report ihknniabo n about your smart b credit bureaus. Lads payments, missed payments. or other defaults on your account tray be reflected in your credit report We morma ty report be status ad payment history of your Accourn to credit reporting agencies each month. R you believe that out report is inaccurate or incorwhNe; please wske us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number andAccount number. PERIODIC FINANCE CHAGES. Periodic Ftrueaee Charges am imposed on all transactions from the date Me transaction is posted to your Account until the date you pay you entire New Balance, by making payments or recei+mg =&is. However, we wit provide the fotmwg'gmce period' If you paid the New Balance on you pervious biting statement by . the Payment Due Dale shown on the statement and you pay to New Balance by.the Payment Due Date on this statemeru we will not impose Periodic Finance charges on new purchases, M is, purchases fedeppearing on this s(iiitemerd Otherwise. you wil receive a biting statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance traralers or ash advances. We sad your transactions nit groups of purchases, cash advances, and balance transfers and then hither sod the Irensactions within each group by theirAnruel Petcentager Rate. For exenple pkrdnMes.subject to a paornotiond rote and purdusas ou4scttostandard We would be separate groups. We refer to these groups as transaction colsgoriea At the and of each biting period. we dorrpule Periodic finance Chagas for each day of to blbg period fur each eanseclim category. We use the following equation to ow" Periodic for each transaction category. Average Daly Balance x number of days in the billing period x Daily Panic Rate. (See Me finance charge summary on your statement for these amounts.) That we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for you Account The average Daily Balance is shown as zero if beauseottheyracepu sod; tto Periodic France Charges applyio theiwlaucerinatrarsadion category - - - - - - - - - - - We use hheAveroge Doily Below frnduding new transactions) metal of alalairg the balance upon which we npose Periodic Finance Charges. We compute Ina Average Daily Balance fore" transaction category by adding up all tha daily balances in a billing period for a rarss" category and dividing the total by the number of days in the billing cycle. We compute the dakybalnce for each tansactbn category on assn day by fist adding the folowirg to the previous days daily balance. transactions made that day. lees charged that day and Periodic Finance Charges accrued on that day. If a tansecton is posted to your Aooamt after the dose of the biting period in which 4 oocnrs, we 41 treat the transaction as having occurred on the fist day of the billing period in which it is posted to yourAccount. All fees charged to yo rAccaunt are added to the standard purchase transaction category with the excepbon of Cash Advance Transaction Fee Finance Charges which are added to the applicable ash advance transaction category and Balance TrasfaTraisectiatFee Finance Charges which are added to the applicable balance transfer transaction categoy When the special rate expires, we move the unpaid balance of the balance raster end the Balance Transfer Trer"chon Fee Fiance Charges to the standard purchase transaction category. However, lithe Tom] rate has been terminated under the Default Rah Plat, we leave the unpaid balance of the balance transfer and the Balance Transfer Transactionn Fee Finance Chagas in to applicable, transaction category until the special fate would have expired. For TO (T4eeommunications Device for the Desf) assistance, call i4M347-7149. Discover may monitor adrior record telephone colts between you and Discover representatives for quaky assurance purposes The Discovers card is issued by Discover Belk, Member FDIC, OITBK107 DISCOVER It pays to KIMMEL, JENNIFER A Account number ending in 7193 DISCOVE1 Go green. Go paperless. Join the effort to save trees and dean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/popedess and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC O*4 a FPRGRN.0810 Closing Date: September 19, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daly Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba?ances Rates RATES RATES _ CHARGES CHARGES current billing period: 31 days Purchases $4228.18 0.03559% 12.99% F 12.99% $46.64 $0 Past Purchases $2.84 0.03559% 12.99% F 12.99% $0.03 $0 Cash Advances $3203.02 0.03559% 12.99% F 12.99% $35.34 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7193 DISCOVER $7,261.86 l $412.00 Enter Amount Enclosed Below Payment Due Date $ ---? November 18, 2007 Please make check payable to Discover Card. Mini mump aayymment due includes a past due amount of $269.00. 19 SDSNBA01 0023252 rlessandmakeyouraccount Go KIMMEL, JENNIFER A rzi Information more secure with password- 1489 PEIFFERS LN protected statements only you can access. HARRISBURG PA 17113-1018 Learn more at discover.comlpaperless. PO BOX 71084 Illnrllrsrto rlllgill lirsrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lnnloll 11111Alllnitl111nlloll lllnnnln1lnnln1ll1nl1ilnrlnlnnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207072618600290000041200 ------------------------------------ ------------- Discover More Card Account Summary ----- Closing Date: October 19, 2007 page 1 of 2 Account number ending in 7193 Previous Balance $7,516.60 ;Payment Due Date November 18, 2007 Payments And Credits 406.59 Minimum Payment Due $412.00 Purchases + 74.00 ;Credit Limit $5,800.00 Cash Advances + 0.00 !Credit Available $0.00 Balance Transfers + 0.00 ;Cash Credit Limit $2,946.00 Finance Charges + 77.85 ;Cash Credit Available $0.00 New Balance = $7,261.86 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 73.84 New Cashback Bonus This Period + -0.29 iCashback Sons Anniversary iMonth: August Cashback Bonus Balance 73.55 1. Visit Discover.com to pay your bill for no cost, view our 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 Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Sep 21 Sep 21 PHONE PAYMENT -THANK YOU $ -295.00 Sep 25 Sep 21 RETURNED PHONE PAYMENT 295.00 Sep 26 Sep 26 PAYMENT - THANK YOU -29000 Oct 3 Oct 5 SEARS ROEBUCK 2624 CAMP HILL PA -116.59 Other/Miscellaneous Sep 25 Sep 25 FEE FOR RETURNED ACH PAYMENT 35.00 Oct 19 Oct 19 LATE FEE 39.00 Information For_You_ While we ore permitted under the Cardmember Agreement to increase the APRs on your Account because your payment 'was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. Seethe Default Rate Plan section of the Cardmember Agreement for details. * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. Wish you could sort these purchases by amount, description or Category? You can -register at DISCOVOTcard.com to view 'your purchases online as for back as 12 months. Loam more at Discovercord.com/purchases Important Information, If time is more than one page b this bung statement, see the back of each page for additional important information p See your CaMmember Agreernent Yea Cadmember agreement contain ail die, terms of yourAccamt Lost or stoke cards. Report immediately! Call 1.800347.2683. Billing Rights Siaamary. in Case of Elrera or QuestionsAhod Yb r Bit t think your bill iswrong, or if you need more Wamation aboiul a transaction on yourbill write us on a separate shadd papa et0mover, PO Box 30421, Sale Lake City, UT 841300421, as scan as possible. We mast het kom you no laterthan f1D days after we sett you the fast bit ro on which fie error or problem Weaned You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ? • Your name a clAwount mraribCf N The dollar amount of the suspected aka x • Describe the error and expten, il you can. why you belim fore is an error. If you need more information, describe the item. you are unsure about You do rot have to pay any amount in question whJa we a9 investigating, bid you we ad obligated to pay the parts of your bill that are not in question. Me we imesfigae your question we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Prrchum- If you have a problem with Ile quality olgoods orsennoss that you purchased with a credit card and you have filed in good faith to correct the problem with the merchant, you may not have to pay the ranaleng amount dire on the goods or services. You have this protection only whoa the purchase price was more than $60 and the purchase was media in your home state a within 100 miles of you mailing address. (Ili we own or operate the merchant, or d we mated you the advertisement for the good or services, at the purchase are covered regardless of the amount or location of the purchase) Payments. Send only YOW payment aid the top patios Of the statement in the envelop provided. Do not send cash. By sanding your check as described above, you authorize us to use mliammat on your chedt b make and electronic fund trarskr from your accout at the fmanial institution indicated on your check or to process the payment as a died transaction. If the payment is processed as an electronic trod transfer, the transfer will be for the amamt of the check. When we use nfamaton from your Chad to make an electronic fund transfer, funds may bew#Arawn from your account as soon as the same day we receive your payment, aryl you will rat mcww your dtedr back from you financial in4EtutiorL Theproce your paynhent maybe delayed ifr you send ash pa!d?rhoe or outs idivwith Y fatal tereton you dsand the e usllbpe a d d b any other address or it you Acaorinl as d Oka use an envelope other Om the one prrwrded y preps Proceswng ok!lf Y Y Y You call. Payments received at ourpraessirg IaaTry after 5PM local buns wit be credited to yourAcookmt as of the next day. If you have misplaced your envelope, sand your payment to Discover, PO Boot 6103, Cad Stream, IL 60197-6103. Please stow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an eleamnic debit You can pay your minimum payment or a greater ammat over the telephone, acl you can set tip automatic payments. Callus at 1 003472683. You will need this statement and your !rank account Wormatbn. You rust ensue Mat wlficiard funds are avaddle in your bank account, and all (rasachons swat comply with U.S. law. You will be asked to provide the fast 5 digits of you woolrt statement ZIP code. By entering those numbers as your eectronic sgnature, you will be agreeing to this authorization b allow us and your hank to deduct each payment you athorize from your bask account, and b kdiate debit or credit entries b your bent ac coral, as applicable. to correct error in the processing of such payment You must Will 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 mast receive nice at least free businew days in advance of the scheduled payment You may knotty us by phone at 1-000-341.2683 or by mad at the address listed in the previous paragraph. If you payments may very in amount we will tell you on each m or" statement when your payment will be made and taw much it will be. Your Automatic payment amount may be less then the indicated on the nhon illy statement based on credits or payments applied during die billing cycle. Craft Reporting. We may report information about your account to ae& b reaus. Late paymennts, missed payments, or other defaub on your account may be reflected in your crack report. We normally report the status and payment history of your Account to wadi repatirg.agauies each mach. It you bake" OW our report is nsoc rak or incomplete. please write us at the faibwirg address: Discover, PO.Box 15316, Wilmington, DE 198505316. Plam indude your name, address, hams teteptane number and Account number. PERIODIC FINANCE CRAMS. Periodic Finanoe Charges are inposed on at trarsarliwn fran the date the transaction is posted to yo rAomkntunel the data you Wyour entire New Balance, by making payments or receiving credits. However, we will provide the Mowing `grace period' It you paid the New Balance on your pw&w biting statement by the Payment Oue Date shown on chat statement. and you pay do New Bedatnce by.the Payment Due Date on this statement we wig not impose Periodic Fine= Charges on new purchases. that is, purchases first appearing on this statement. Otur wise, you will receive a biting statement next month that includes Periodic F-inance.Charges on those new purchases. There is no grace period on balance triensfers or cash advances. We sat you trarsertors ido graxrps of caucuses, cestr advances, and beknca trensfers and then krtsr sal t e trasacions within each group by their Annual Peroentap Rate. ?ForWe refer b prose groups as traacfion categories. AI fe category Wa use the fatowig equal on a congrule Parodic arsactien the kwce charge summary on your statement fa these M ) Then we add tip the Periodic Frrmue Charges fOr each transaction category b gd tike total Periodic Friala Charges for your AomnL The average Daly Balance is stiowm'as zero d; becarse'oi Ale graea?ad W; tsa Petix£cFnarce Chages'epplyto the balenre n a transakorotn category - - - - - - - - - We use is Average Deily Balsas (noluding new transactions) method of cafaiaft the balance upon which we impose Periodic Finance Charges. We compute ft Average Daily Balance for each transaacoort category by adding hp all the daily balances in a biting period for a transaction category and diadig the total by the number of days n the burg cycle. We carrpude the d* balance for each transaction ateM on each day by tat adding the blowing to the previous days daily balance. transactions made that day, fees charged that day add Periodic Fmence Chagas accrued on that day. If a eansatim is posted b yourAccouht alter the dose of the billing period in which t occurs, we will seat the transaction as having occurred on the first day of the biting period in which dl's posted to yourAccount. At fees 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 : the applicable dash advance tronsattat category and Balance Transfer Transaction Fee Fmww Charges which are added to the applicable balance transfer transaction category When the special rate expires, we nave the unpaid balance of the balance transfer and fie Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, f to special date has been tenanted under the Defect 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 rale would have expired. For MD (Telecommunications Device for the Deal) assistance, cal 1$00347-7449 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. OITBK107 DISCOVER' It pays to KIMMEL, JENNIFER A 1--DISCOVER' Account number ending in 7193 Go green. Go paperless. Join the effort to save frees and clean up your mailbox. Just sign up for Paperless Statements and you con help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to D'tscovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC a R a PPRGRN.0810 Closing Date: October 19, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4054.84 0.03559% 12.99% F 12.99% $43.28 $0 Past Purchases $0.57 0.03559% 12.99% F 12.99% $0 $0 Cosh Advances $3237.97 0.03559% 1299% F 12.99% $34.57 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. ;Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance DISCOVER $6,700.74 19 SDSN6A01 0023253 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Minimum Payment Due 1 ` Account Number ending in 7193 $133.00 Enter Amount Enclosed Below Payment Due Date $ 1 December 18, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.corrdpaperiess. PO BOX 71084 11111111111 1111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 11 fill liilri11i11rri1111111ItIIIIrriIrrlrrirdlrtil.rifill {irll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207067007400370000013300 Discover More Card Account Summary Closing Date: November 19, 2007 page 1 of 1 Account number ending in 7193 Previous Balance $7,261.86 Payment Due Date December 18, 2007 Payments And Credits 639.00 Minimum Payment Due $133.00 Purchases + 0,00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,946.00 Finance Charges + 77.88 Cash Credit Available $0.00 New Balance = $6,700.74 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Sonuse Opening Cashback Bonus Balance $ 73.55 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 73.55 Cashback Bonuses Anniverswy-..__________ _________________________________________________..---.._-__--_-_.--_- ;Month: August 1. Visit Discover.com to pay your 6M for no cost, ew ur How Can We Help You? . latest Account information, earn and redeem reviwardyand more it's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Paymenh and Credits Oct 26 Oct 26 PHONE PAYMENT -THANK YOU $ -269.00 Nov 18 Nov 18 PAYMENT -THANK YOU -370.00 ------------------ ---------------------- Finance Charge Summary Nominal Transaction D P l ANNUAL ANNUAL Periodic Fee aily eri odic PERCENTAGE PERCENTAGE FINANCE FINANCE alances Rates RATES RATES CHARGES CHARM.- current billing period: 31 days Purchases $3785.71 0.03559% 12.99% F 12.99% $41.77 $0 Cash Advances $3273.30 0.03559% 12.99% F 12.99% $36.11 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. ---------------- Important Information. Hthere is more tan one page to this bdGrg statement, we the back of each page for add0imal important WO(Trafion See your Cardmember Agreement Yam Cardnrember agreement contains of the terms of your Accent. Lost or stolen cards. Report im odiately! Cant 1-806347-2683. Billing Righa Summary. In Case of Errors or QuestionsAbout Your Bill: Hyyoouu rhidt your b8 , wroonr?g, ?a if you need more adoration abouta transaction on your bill, write as on a separate sheet of paper at Discover. PO Box 30421, Sall Lake City, UT8413Q0421, as som m po%+?. We nhtsl hear horn you no later than 60 days afoerwe sent you to fist bib o n°b 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 nionnatiorr N • Your name ardAecaunt number The dollar amount of the suspected area O Describe the error and explain. Hyou can. why you believe there is en am. If you need more idamation. describe the gem you are unsure about You do not have to pay any amount in question while we are invesUgati g. but you one s61 obligated b pay the parts of your bill fret are not in question, While we inveSlgete your question. we cannot report you as delinquent or take awry action to collect the amount you question Speclol Rate for Credit Card Purelwxs If you house problem with the qualify d goods or services that you purchased with a credit card and you have tried in good faith to owed the problem with to hmec ant, you may not have to pay this remaining amount due an the goods or services. You have this protection only when the purchase pnce was more tlBn $50 and the purchase was merle in your home state or wmrin 100 miles of your moiling address. (if we own or operate the merchant, or if we mailed you the advertisement for the good or services, all tae 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 sand cash. By sending your c he& as described above, you aulhorae us to use information on your check to make and electronic land transfer from your account at the financial kasatubon indicated on your oheck or to process the payment as a check transaction. H the payment is processed as an electrons kind transfer, the tranaller will be for the amount of the dne* When we use information from you check to make an electronic hurhd transfer. funds may be withdrawn from your account as soon as to same day we receive your payment, and you will not receive your che4C beck from your financial italinrturh . Theprooessnth of your payment maybe defrayed t you send cash, correspondence or other items with your vnent, U you send the payment to any other address or gyou use an by 5PM rime oar any day vnllTbe aedTed to ynuir "' "nt as o"f 0iaf day - - - " _ roohissir edin o er rani at our d d P g t t fi t g y p p p o one prohr e . i men s recehv envelone o er t arh Payments received ato r Rooming faddy after 5PM local time will be credited loyoueAccount as of the next day H you have misplaced youreirve4m, send your payment to Discover, PO Box 6103, Card Stream, IL 60197$103. Please stow 7-10 days for delivery. If your payment is retuned unpaid, we reserve the right to resubmit A as an electronic debit - You can pay your minimum payment or a greater amoud over the telephone, and you can set up automatic payments. Call us at 1800-3472683. You will need this slatemenl and you bards account information. You must ensure that sulfolent fads are avail" in your bank account, and all transactions must cemply with U.S. low. You Will be asked to provide the first 5 d * of you account statement 21P code. By entering those numbers as your electronic signature, you will be agreeing b this sutor¢eton to stow us and you bank to deduct each payment youaut me from your bank socount, and to innate debit or credit entries b your bank aomuK as applicable, to cored error in the processing of such payment. You must met is the antou t of each plymert, or you can select an amount such as Nero mum Payment Due or the New Balance on each statement You can cooel a payment, however we must receive notics at least three Wskuss days it advance of to scheduled payment. You may notify us by Owe at 1400-3412683 or by mail at the address listed in the previous paragraph. H your payments may vary in avant we will tell you on each monthly statement when your paymantwid be made and how much A wig be. Your Automatic payment amount may be less then the indicated on the monthly statement based on credifa or payments applied during the billing cycle. Credo Reportlng. We msy mporl inlon, don about your aocotatt to credit bureaus. Late payments, missed payments, or other defadls on your aorxxnt may be reflected in you credit report. We normally report the slaws and payment history of yo rAcoount to ored t Tepating agenaes each month. If you believe that our report is inaccurate orincompWe, Please write us at the following edttess: Discover, PO Box 153%, Wilmington, DE 198505316. Please include your name, address, home lelephhone number and Account number. PERIODIC FWANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to yourACwhnt until the data you pay your entire Now Balance, by making payments or receiving creels. However, we will provide the tobwing grace pa'c8 If you paid to New Balance on your pervious billing statement by the Payment Due Date shown on that statement, and you pay the flow Balance by the Payment Due Date on this statement we will not appose Periodic Finance Charges on new purchases, that is, purchases frstappeahing on this statement- Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. Them is no grace period on balance transfers or cash advances. We sort your transactions into groups of Purchases, cash advances, and balance traders and then father sod the transactions within each gap by their Annual Percentage Rae. For example purchases aub)ad to a ponational rate and purchases subject: to standard rate would be separate groups. We refer to these groups as transaction categories. At ther end of each biting period. we cxmpule Periodic Fiance 1. hharge3 for each day of the billing period kr each traction category. We use the following equation to compute Perodic for each bansecfon category. Average Daily Balance x number of days in the billing period x Daly Periodic Rate. (See the finance charge summary on your steterneht for these amounts.) Then we add up the Periodic franca Charges for each transaction category to gel the tote) Periodic Finance Charges for your Ascent. The average Daily Bata ce is shown as zero if becat of 3fe gracieWed. ndPcriddhc Finance Charges apply to the balance ira transaction category. .. We use the Average Daily balance (including now transactions) me" of cakxrtetng the balance upon which we impose Period c Finance Charges. We compute the Average Deily Balance for each tratsectgn category by adding up at the daily balances in a bang period for a transxtah category and di i ft the total by the number of days in to biting cycle. We compute the defy balance for each transaction category on each day by fret adding the following to the previous days daily balance, transactions made that day, fees charged that day, "A Periodic Fnaee Charges accrued on.tial day, Ha transaction is posted to yew Account after the close of the billing period in wtkh it occurs, we wit treat the transaction as having oaxumed on the first day of the biting period in which it is posted to your Account. At fees charged to your Account are added to the standard purchase transaction cetegcrywith the exception of Cash Advance Transaction Fee Finance Chhorps which are added to : the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance, Charges which are added to the applicable balance baste transaction category When the special rate expires, we move to unpaid balance of the balenoe transfer and the Balance Transfer Transaction Fee Finance Charges to the standard pudese transaction category. However. if the spedaf fate has been termnaled underthe Default Rate Plat, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fihahee Charges in the applicable transaction category until the special rate would have expired. For TDD (Tekcommunleadons Device for the Deso assistance, cat 1400.347-7449. Discover may monitor andda record telephone calls betweenyou and Discover representatives for quality assurance purposes The Disoovere card is issued by Disoover Bank, Member FDIC. OITBK107 New Balance Minimum Payment Due Account Number ending in 7193 DISCOVER` $6,992.63 $148.00 Enter Amount Enclosed Below Payment Due Date $ ?- January 18, 2008 Please make check payable to Discover Card. Minimum payment due includes a past due amount of$10.00. 19 SUSN6A01 0023254 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Go paperless and make your account information more secure with password- protected steternents only you can access. Learn more at discovercom/paperless. PO BOX 71084 lllr'rllrmoll rtllIlrrllri' CHARLOTTE NC 28272-1084 Address, e-mail or telephone change4 Print change in space IIII III III Irrlrllrrllrl1111111111111111lloll rilrrl.illllllrlll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207069926300000000014800 Discover More Card Account Summary Closing Date: December 19, 2007 page 1 of 2 Account number ending in 7193 Previous Balance $6,700.74 Payment Due Date January 18, 2008 Payments And Credits 104.00 Minimum Payment Due $148.00 Purchases + 113.26 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit 946.00 $2 Finance Charges + 74.63 Cash Credit Available , $0.00 New Balance = $6,992.63 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 73.55 New Cashback Bonus This Period + 0.00 CcAback Bonus Balance $ 73.55 Coshback$onusOAnniversary ---------------------- "------------------------ ..-.----------------------- Month: August .? 1. Visit Discover corn to pay your 611 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 Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Past Date Date Payments and Credits Nov 22 Nov 22 INTERNET PAYMENT -THANK YOU $ -133.00 Nov 27 Nov 18 PAYMENT ADJUSTMENT 370.00 Dec 7 Dec 7 INTERNET PAYMENT - THANK YOU -133.00 'Other/Miscellaneous Nov 27 Nov 18 ADJUSTMENT - FINANCE CHARGE 0.18 Nov 27 Nov 18 ADJUSTMENT - LATE CHARGE 39.00 Nov 27 Nov 18 ADJUSTMENT - FINANCE CHARGE 0.08 Nov 27 Nov 27 RETURNED CHECK CHARGE 35.00 Dec 19 Dec 19 LATE FEE 39.00 Information For You *. ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Important Information. If am is mom than one pop to this billing statement, see the back of each page for additional important information. rn E She Vow Cardrnember Agreement You Ca ilrfanbet agmemert catame all the burrs d your Auxonnt z Lost or atoko arks. Report immediately! Cal 1140,347-2683. o Bing Rights Smsnary. InCese of Ends cr QueationeiAboul Your Bill: Wyou think your bill is wrong, or t you need mom iMonhetian about a transaction on your bill, white us on a o separate sheetof paper at! iscover, PO Box 30421, Salt Lake City. OT8413D-0021, as soon as powfe. We must hear from you no titer then 50 days after we sent you the fast bill w on which the error or problem appeared. You an telephone us, but doing so will not preserve your rights. In your left, give us the following information: C. Your name and Account number T The dollar amount of the suspected error • Describe the error aid explain, t you an, 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 it question while we are iwasogetrrhg but you are 91 obligated to pay Ids parts of your bit that are not in gknes0at. While we investigate your question, we cannot report you as dekgAM or take arty action to called the amount you question. Spacial Rate for Credit Card Purchases: N you have a problem with the quaR of gooks or services that you purchased with a kxedil card and you have toed in good fallh to correct the problem win the hamlet, you may nhd have to pay the remaining emount due on the goods or services You have this protection ontywhen the purchase price was more than $50 and the mantissa was made in you home she or within 10D Was d your mailing address. (Uwe own or operate the merchalt, or dwe mailed you the advertsemeMtor the good or swAoss, at the pkedrese are covered regardless of tie amount or location of tte purchase.) Payments. Send only you payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described drove, you authorize u4 to use information on you dieck to make and electronic kind transfer from you account 'at the financial nsfitulm indicated on you ct" or to process the payment as a check transaction. If the payment is processed as an electronic find transkG the transfer will be tar the amount of the dock. When we use information from you check to make an esckordc fund transfer, rates may beOidrawn from your account as am as the same day we receive you payment, and you 0 not receive your check bads from your fahenpal institrWOn. saM ?h carespahdence or other items ?ilhyeurpayghhent iF.troi! send the Payment to anY oth? ad?ess «t you use an _ _ _ The prooeamhg of Y h>ekgb!k!a?a dels, it y_ ota' . . envelope other than the are provided Payments received in proper form at our processing soity by 5PM local! me on any day will be credited to your Account as of that day. Payments received at our processing facility after5PM kcal time will be credited to your Account as of the next day. It you have misplaced your arvelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow, 7-10 days for do".. 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 greeler amount over the telephone, and you can set up automatic payments. Cal us at tMO-U72683. You will reed this statement and your bank socakmt information. You must ensure that sufficient funds are available in you bank sccout, and at transmions must campy with U.S.low. You will be asked to provide the feat 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this eut horvetian to stow us and you bank to deduct each payment you authorize from your bank account, and to vitiate debt or credit entries to your bank account as applicable, to correct error in the processing of such payment You must kit us the amount of each payment, or you an select an amount such as Minimum Payment Due or to New Balance on each staten>eM: You an cancel e payment, however we must receive notice at least three business days in advance d the scheduled payment You may notify us by phone at 14W-347-2683 or by mail at &a address fisted in the previous paragraph. If your payments may vary in amount we will tell you w each mm" statement when your payment alt be made end crow much it will be. You A+rforrak payment amount may be less then the indicated on tie monthly statement based on credits or payments applied during the bang cycle. Credit Reporting. We may report infamidon about your account b cradt bureaus. Late Payments, missed payments, or other data tS on you account may be reflected in your credirepol. We normally report the steMa and peyhmeM hY" d your Acsouw to, credit reporting agencies each month. It youbek%e that our reports Woccuste or incomplete, please write us at the following address: Discover, PO Box 15316, WITnirgton, DE 198505316. Please include you name, address, home WWhhone number and Account number. PERIODIC FWANCE CHAGE& Periodic Finance Charges are imposed on at bawalions from the date the transaction is posted to WA. ocount unit the date you pay your antis New Balance, by making payments or receiving credits. However, we wig provide the Wdow"'grace period t you paid the Now Balance on your pervious bt&ng statement by the Payment Due Date dam on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Peno&a 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 tramhers or cash advances. We sort you transactions into groups of purchases, ash advances, and balance sensors and then further sort the transactions within each group by their Annual Percentage Rate. For example purchases saiod to a promotional rate and purchases subject to standard rate would be separate groups. We refer to these groups as trasocion categories. At the, end of each tilling period, we compute Periodic France Charges for each day of the bring period for each transaction category We use the Waiving equation to compute Periodic Wr each transaction category. Average Daily Balance x rxarber of days in the Nov period x Day Periodic Rate. (See the francs dmnge summary on yaw statement far these amounts.) Then we add up the PerhokFc From Charges for each trerstdiah category b get the Val Periodic Finance Charges for your Account. The average Daly Balance is shy inn- zeni if,becauise of U grace period; 66 Pik F`thaaae Charges apghi 5 the balance in a Iransactim calegoi}. We use theAverege Daily Balance (including raw transactions) method of calculating the balance upon which we impose Periodic France Charges. We compute the Average Daly Balance for each transaction category by adding lip all the daily balances in a bang period for a trensadrah category and dividing the Intel by the number of days in the billing cycle. We norhputo 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 Periodic Finance Chagas accrued en that day. Ita uansecton is posted to you Account after the close of the biting period in which it occurs, we will beat the transaction as having occurred on the first day of the billing period in which t 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 baance transfer transaction category When the special rate expires, we move the unpaid balance of the balance Vensler and the Balance Transfer Transaction Fee France 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 betence transfer and the Balance Transfer Trasacion Fee Fiance Charges in the applicable transaction category until the special rate would have expired. For TOD (Telecommunications Device for the Deal) assistance, all 1400.347-7449. Discover may monitor andlor record telephone cats between. you and Discover representatives for quality assurance purposes The Discover* card is issued by Discover Bonk, Member FDIC. OITBKI07 DISCOVER li Pari ro KiMMEL, JENNIFER A Account number ending in 7193 Go green. Go paperless. Jain the effort to save trees and clean up your mailbox. Just sign up for Paperless Slotemenls and you can help save over 70 million pages per year. You t also be helping yourself to 24 months of possward-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC ?R s PPRGRN.0810 Closing Date: December 19, 2007 page 2 of 2 ;finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES QJAROS CHARGES current billing period: 30 days Purchases $3682.23 0.03559% 12.99% F 12.99% $39.30 $0 Cash Advances $3309.01 0.03559% 12.99% F 12.99% $35.33 $0 .The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 'Ouesfions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7193 DISCOVER $6,984.62 $266.00 Enter Amount Enclosed Below Payment Due Date $ February 18, 2008 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $128.00. 19 SDSN6A01 0023255 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Go paperless and make your account information more secure vnth password- protected statements only you can access. Learn more at discover.corrdpaperless. PO BOX 71084 i!!ur!lnnrs!!!rlrrl{ur CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rrlrllru?rrrlrllrrulrr?rlrrr??Ilrrrlrrlrrlrrllrrlrr?ur?u?ru?! above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. D00001986618070722207069846200000000026600 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available page 1 of 2 7193 Previous Balance $6,992.63 February 18, 2008 Payments And Credits 123.28 $266.00 Purchases + 39.00 $5,800.00 Cash Advances + 0.00 $0.00 Balance Transfers + 0.00 946.00 $2 Finance Charges + 76.27 , $0.00 New Balance = $6,984.62 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 73.55 Now Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 73.55 Gashback$onusO Anniversary ------------------------------ -------------- --------- ..._.. Month: August 1. Visit Discover.com to pay your bill for no cost, view our 'How Can We Help You7 . latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Sap Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Dec 24 Dec 24 LATE CHARGE REFUND $ -39.00 Dec 24 Nov 27 REVERSE RETURNED PAYMENT CHECK CHARGE -35.00 Dec 24 Nov 27 REFUND OF LATE CHARGE -39.00 Dec 24 Nov 27 ADJUSTMENT - FINANCE CHARGE -0.28 Dec 24 Dec 24 PHONE PAYMENT -THANK YOU -10.00 Other/Misce9aneous Jan 19 Jan 19 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to inerease the APRs on your Accouni if you fait to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for 'details. Discover More Card Account Summary Closing Dale: January 19, 2008 '* * * ATTENTION Your account is past due. Please pay the past due amount now, or contact us to make other 'arrangements. Important Information. K there is more hen one page b this billig statement, see the bads of each page for additional important irdomtalion. p Sea your Cardmember Agreement Your Cardmember agreement cataihs all the turns of your Aco unL co z Lost or stolen.cards. Report immediately! Cal 14"7-2683, o Billing Rights Summary. In Case of Erms or Questions About Your Sit: If you think your bit is wrong, or If you reed more information about a trarsaciori on your bill, wr1e us on a g separate sleet of paper at Discover, PO Box 30421, Salt Lake City, UT 841"21, as soar as possible. We must hear from you no later than 60 days after m a sent you to first bill v on a4idh Ire erns or problem appeared You can telephone us, but long sou will not preserve your rights. In youlahu give us the following inMnrhetiorh. Your name end Account number The doNa amount of the suspected error V • Describe the error and explain, I you can, why you believe there is an era. 9 you need more information, describe the item you are unsure abed. You do rat have to pay any amount in question while we are invesigamil, bud you are still obligated to pay the parts of your bill that are rat in question. While we investigate your question, we cannot report you as delinquent or take any action to coW to amount you quaion. Special Rah for Credit Card Purchases: if you have a problem with the queldly of goods or services that you pwdrased with a credit cad and you have tried in good faith to coned the problem with the mencharil, you may rat have to pay the remaeung amount due on the goods or services. You haw this protection ony when the pudhese price was more than $50 and the purchase was made in your home stale or within 100 miles of you meTrg address. (If we own or operate & merchant, or i we mewed you 9e advedieemurtfor the good or services, all the purchase are covered regardless of the amount or localm of the purchase.) Paymenb. Send onN your payment and to MP potion of ire statement in the erwebp provided. Do roll send cash. By sendig your cha k es blase bed above, you aulhor¢e s m use rtonnation on your duedu to make and elaciotic ksld translar from you axxxra at the furamdal istitirtiorh idiated on yaw dhadk a M precess Ire peyrrert as a check transaction. N the payment is processed as an eladronic frrd transer, the transfer coil be lot the amount all the check When weuse information ham yarchedk to melke err eiegtonlo fund transfer, funds may bewitdrewn Gan your acooahd as soon as the same day we receive yore payment, and you col cwt receive you check bade from your financial , institution. The processing ofj-payment maybe delayed jfyr u send cash, aarasponderwe or O r itwrhs"you payrr ant I you send the payment to an dher addressor ifyou use an envelops other than Ere one provided. Payments received in proper form et cur processing faratidg by 5PM local firm on any day will be aadieA to yourArit ai of #Wday. Payments received at our processing facility alter 5PM local time will be credited to yourAocotmt as of the next day. It you have misplaced your envelope, send you payment to Discover, PO Box 6103, Carol Stream, IL 601975103. Please alloy 140 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 15(10-3472883: You will need this statement and your bank account information. You must ensure that sufficient funds are available in you bank accent. and all transactions must comply with U.S. law. You coil be asked to provide the first 5 digits of you accent statement ZIP code. 8y entering dross numbers as your electronic signature, you coil be agreeing to this adtarizetion to allow us and your bank to deduct each payment you authorize from your bank account, and to yhftiah debit or credit entrles to your bank account, as applicable, to correct aka 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 Ins or the New Balance on each statement. You can canoe) a payment, however we must receive notice at least three business.days in advance of to scheduled payment You may ratify us by phone at 1800347-2683 or by mad at to address listed in tie 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 Aubrnafc payment amount may be less then the indicated on the monthly statement based on credits or payments applied dieing the billing cycle. Credit Reporting. We may report information about your acccrmt to credit buieas. Lek payments, messed payments, or other defaults on you account may be reflected in your credit report We normally report he status and payment history of your Account to credit reporting agencies each month If you believe that out report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, yYlnirglon, DE 198505316. Plesse include your time, address, home telephone number and Account number. PERIODIC FINANCE CHMES. Periodic Finance Charges are Fnposed an all transactions from tie dab the transaction is posted to yo rArcounturd to date you pay your entire New Belencoe, by making payments or receiving its. However, we will provide the following 'grace period It you paid the New Balance on your pervious burg statement by the Payment Due Dale shown on that statement, and you pay the New Balance by he Payment Due Dab on this statement we will not impose Periodic Finance Charges on new purchases, ghat is, purchases fast appearag on this statement Otherwise, you will receive a billing statement nod moth that Includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort your tiamcbm into groups of purdhases, cash advances, and balance trerdere and ten further sort he transactions widen each group by their Annual Percentage Rate. For example pumdhases subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to these gap as transactor categories. At the end of each biting period, we compute Periodic Finance Charges for each day of the billing period for each transaction ahtagory. We use the fallowing equation to compute Periodic for each transaction category Average Daily Balance x number of days in to bhn period x Deily Periodic Rate. (See the trance charge summary on your statement for these amwns.) Then we add up the Periodic Finance Charges for each transadion category to gel lte Me) Periodic Firence Charges for your Account. The average Daly Balance is shown as-zera ft.becausecif tG€grace pbiiotL-w Periodic Finance Changes apply to to balance in a kansecton category - ._ - ' - _ We use he Average Dady. Balance (nckrdrg new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each hansaeion category by adding up all the daily balances in a billing period for a transaction category and dvidrtg the total by the number of days in the burg cycle. We compute the daily balance for each transaction category on each day by first adding the folowing to the previous days daily balance, transactions made that day, lees dhaged that day and Periodic Finance Charges acmaed on that day. If a trimsection is posted to yourAcco nk after the close of the tiling period in wlhidh it occurs, we will treat the transaction as having occurred on the fast day of the billing period in which it is posted to your Account AN fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Fiance Charges which are added to the appkabL- cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the appkcade balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Free Finance Charges M to standard purchase bansackon category. However, if he 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 unil the special rate would have expired. For TDD (Telecommunications Device for the Deal) assistance, cal 1.800-347-7449. Discover may montor "or record telephone calls between you and Discover representatives for quality assurance purposes The Disoovae card is issued by Discover Batik, Member FDIC. OITBK107 DISCOVER DISC, ? KIMMEL, JENNIFERA Account ccount number ending in 7193 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bonk, Member FDIC PPRGRN.0810 ----------------- --------------------- Closing Date: January 19, 2008 page 2 of 2 Finance Charge Summary Average Daily Balances current billing period: 31 days Nominal Transaction Daily ANNUAL ANNUAL. Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES Purchases $3567.41 0.03559% 12.99% F 12.99% $39.36 $0 Cash Advances $3345.12 0.03559% 12.99% F 12.99% $36.91 $0 ,The rates that apply to your Account are either fixed (F) or they may vary IVI as noted above. 'Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). ?R s New Balance Minimum Payment Due DISCOVER: $7,101.10 $406.00 Payment Due Data March 18, 20D8 19 SDSN6A01 0023256 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 PO Box 71084 111111111111 IN II IIIIIIII oil CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space IrrIrII11II III III II1lrrlllloll llllrrllrll1I I11irrlrr1loll l11I1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. DDDD0196661B0707222070710110DDDODOOD04060D - - ----------------------------------------------------------------------- Discover More Card Account Summary Closing Date: February 19, 2008 Account number ending in 7193 Payment Due Date March 18, 2008 Minimum Payment Due $406.00 Credit limit $5,800.00 Credit Available $0.00 Cash Credit Limit $2,946.00 Cash Credit Available $0.00 Account Number ending in 7193 Enter Amount Enclosed Below $C Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $1,301.10. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comJpapertess. Previous Balance $6,984.62 Payments And Credits 0.00 Purchases + 39.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 77.48 New Balance = $7,101.10 You may be able to avoid Periodic Finance Charges, see the reverse side for details. page 1 of 2 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0-00 Cashback 9onusS Anniversary- Month: August Cashback Bonus Balance 0.00 How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 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 Dab Date Other/Miscellaneous Feb 19 Feb 19 LATE FEE $ 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment :was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on :purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the rrrinimvm-paymentdue-*thepayment-duedata.-See-theflefouh-RatsPlarv ssctianofthe-C'ardmember-Agreement-for__ - - details. * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. ----------------------------------------------------------- -------------------------- Important information. t than is more ban one page lo this tifto statement, sea the back d each page foraddkiorml important information. O rn See your CudmemberAgreemakt Your Ciardmernber agreement condaRs all die terms of yorAc=nt. Lost or stolen cards. Report inn>edietelyl Cal 100.347-2683. C? Biking Rights Summary. In Case of Fyras or Queshom About Your Bilt ayou &* yo r bit is wrong, or O you need more information about a transaction on your bit, write us on a seponas sheei of paper at Discover, PO Box 30421, Sak Lake City, UT 8413DZ421, as soon as pole. We mast hear imm you no later Man 60 days after we sent you it* first bill g on which do am or problem appeared. You can telephone us, but doing so will not (reserve your rim. In your letter, give its the following idormafion: iv • Your creme andAcmu>f cumber m The dollar mount of the suspected era V Describe the an" and expldn, I you can. why you believe there is an orrot if you need more Information. describe the item you are. unsure about. You do not hove to pay any amount n question "we are hiresdgelig, but you are ski obligated to pay the parts of your bill that are not in question. Whilewe investigate your question, we cannel report you as daknquent or lake any action to coked the amourd you question. Special Rate for Crack Cud Purchases. If you have a problem with the gwtkly of goods or services that you purchased w9h a credit cud and you have tried in good lath to correct the problem with the mtniren, you may not have to pay the remaining mum due on is goods or services. You have the protection only when the purchase price was more than $50 and Ore pu[dtese was mode in you honkie sw or whhih 100 miles of your msbV address. (It we own or operate the merchant, or 9we mailed you the advertisement for the good or services, an the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and to top portion of he statement in ft envelop provided. Do not send cash. By sending you dheck as described above, you authorze its to use idormatbn on your check to make and eledrow kind transfer nom your account at the financial irs6tuliou indicated on you check or to process the payment as a check transaction, If On payment is processed as an eledmic fend trarder, the transfer wig be for in smont of the check. When we use information from your dhedt to make an eiectraac rind transfer, kinds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your dhect back from your financial institution. The processng of yeuuPaYiiieti1 maybo delayed dyou send math cer_ _To nderhoe er other damswilh payment, Iyou send the payment to any other address or if You use an yak envelope other than the one provided 1+eymenis received n piopsr lin=t at oiler OWe sag kwk lily 5PlA IM(ime on any diy wit be aedia to ycxrA botxtt es afitiaiday Payments received at or processing facilely after 5PM local title wit be credited to yorAom um as d the next day kyou have misplaced your envelope, send you payment to Discover, PO Box 6163, Card Steam, IL 60197.6103. Please allow 7-10 days for delivery. If you payment is retumed.unpad, vie reserve the right to resubmit it as an eledronlodabit You can pay your rtxmmum pawrhed or a greater amount over the Wephom,.ard you can set up automatic payments. Call us at 1800.3472683. You will need this statement and your bank account in(omufiorL You must ensure that sufficient funds are eyed" in your bar=k account, and all transactions roust comply with U.S. law. You will be asked to provide the lest 5 digits of you account statement zip code. By entering those numbers as yuuddectanic signature, you will be agreeing to this authorization to allow us and your bank to deduct each paymert you authorize From your be* somiutt, and to phitele.debitatxedit entries to you bank account, as applicable, to correct error in the processing of such payment. You must led tits to 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 twee business days in advance of the scheduled payment You may notify us by phone at 1-800.347-M or by Mai at the address listed in the previous paragraph. 8 your payments may very in amount we will tell you on each monhry, statement when your payment will be made and taw much itwit be. You Automatic payment amount may be less then he indicated on the mostly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your acme t to cradd bureaus. Late payments, missed payments. or other defaults on your account may be reflected in your cradd report. We curly repel the stakus end payment history of yourAocourut to decit reporting agencies each morhth. If you believe that our report m inaccuate or incomplete; please write us at IN following address: Discover, PO Box 15316, VAl ringlonn, DE 19050.5316. Please include your none, address, hone telephone number and Account number. PERtO= FINANCE CHAGES. Periodic France Charges are imposed on all irasac6ons from the dale the transaction is posted to your Account until he date you pay your entire New Balance, by making payments or receiving credits. Fbwev we will provide the fdbwig'gmra period' If you paid the New Balance on you pervious burg statement by the Payment Due Dab shown on that statement, and you pay the New Balance by to Payment Due Dab on his statement we will not impose Periodic Finance Charges on new purchases, that is, purchases fist appearing on his statement. Otherwise, you wit receive a billing statemerd next mash that includes Periodic Faience Charges on those new purchases. There is no grace period on balance transfers of cash advances. We sal you transactions into groups of purchases, cash advances, and balance tonsfers and than Asher son the transactions within each group by their Amual Percardage Rate. For examphe purchases subject to a lommotonel rate and padreses skied to standard rate would be separate groups. We refer to here grocers as transaction categories. At he end of each biting period, we eompub Periodic Finance Charges for each day of is belting period for each transaction category We use the following equation to compute Periodic for each fratsaclion category. Average Defy Balance x number of days in the Wit period x Daily Periodic Rate. (See the finance charge summary on your statement for these anomie.) Than we add up he Periodic Finance Charges for each transaction caegoy to get the total Periodic Finance Charges for your Account The average Daily Balance IS shwrn as zero if. because the grace pedot; no PeriadicFnance Charges a" 10 he balance in a We use he Average Daily Balance (ndudirg new transactions) meted of calculating the balance upon which we impose Pen ock Finance Chefges. We compub the Average Daily Belarce for each transaction category, by adding up all do daily balances in a b&V period lor a transaction category and dividing the total by the Marker of days in the billing cycle. We eornpuue the daily balsas for each tansae6on category on each day by first adding he louowirg to the previous day's dairy balance, transednoms made that day, fees charged that day and Periodic Finance Charges accrued on hat day. 9 a transaction is posted to your A=mt after the close of the lung period in which it occurs, we will treat the transaction as having occurred on the fast day of he billing period in which k is posted to you Account. All fees charged to your Aaant 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 he spewtl rote expires, we move the upped balance of &a balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However. Ithe special rate has been terminated under the Defeull Rate Plan, we leave the unpaid balance of he balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the applicable transition category until the special rate would have expired. For TDD (Telecommunications Device for the Dead assistance, call 1400.347-7449. Discover may monitor amdlar record telep tame cetlsbetween you and Discover representatives for quality assurance purposes The Discover* card is issued by Discover Bank, Member FDIC. OITSK107 DISCOVER it Pays to KIMMEL, JENNIFER A Account number ending in 7193 piscmw _J Go green. Go paperless. Join the effort to save trees and clean up your mailbox, Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover-com/papedess and sign up for Paperless Statements today. 02010 Discover Bank. Member FDIC PPRGRN.0810 _ Closing Date: February 19, 2008 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL. ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3639.80 0.03559% 12.99% F 12.99% $40.16 $0 Cash Advances $3382.23 0.03559% 12.99% F 12.99% $37.32 $0 The rates that apply to your Account are eHher fixed fF) or they may vary (V) as noted above. Que51ionS? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER $7,213.75 $549.00 Payment Due Date April 18, 2008 19 SDSN6A010023257 KIMMEL, JENNIFER A 1489 PE:IFFERS LN HARRISBURG PA 17113-1018 Account Number ending in 7193 Enter Amount Enclosed Below ?I Please make check paygble to Discover Card. You are overlimit. Pay the sum of the monthly minimum yment plus the overlimit amount of $1,.413.755a Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercomlpaperless. PO BOX 71084 lllrttlltttttr??lt?r+??tn 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. 000001986618070722207072137500000000054900 ----------------- -------------------------------------------------------------- ,Discover More Card Account Summary -------- Closing Date: March 19, 2008 page 1 of 2 Account number ending in 7193 Previous Balance $7,101.10 Payment Due Date April 18, 2008 Payments And Credits 0.00 Minimum Payment Due $549.00 Purchases + 39.00 Credit limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit 32,946.00 Finance Charges + 73.65 Cash Credit Available $0.00 New Balance $7,213.75 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance 0.00 CoshbackaoriwSAnniversary ---------------------------------------------- - ----------- ------------ Month: August ;How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy soIFaervice options or to speak with a Customer Service Account Manager Please have your Discover Card available, 3. Write us at Discover Card, PO Box 30943, ;For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 :Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Other/Miscellaneous Mar 19 Mar 19 LATE FEE $ 39.00 :Information For You ,While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment 'was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on 'purchases and any special balance transfer rate, and applied the standord APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the rnlmmum-payment due by the-payment-due date.-See-the-Default-Rate-Plan section of the Cardmember Agreement f6 -- - - 'details. * ** ATTENTION * * * Your account is seriously post due. Payment of the amount due and arrangements for future payments should be made immediately. Imporlend IMormatkon. }there is more tan one page b this taTng statement, see the back of each page for aukJftianal important informaticir. (n See your Cardmember Agreamea Your Cardmmber agreement contains all the terms of your Acco nt z Cost arstolen cards. Report ur medietely! Cal 1800-347--2683. o Oiling Rights Summary. In Case of Errors or QUasfidrnsAbo lrYour BW If you think your bill is wrong, or Wyau need more idamation about a transaction on your bill, wide us on a o0 seperde sheet of paler at Dumover. PO Box 30421, Sal Latins City, UT 8413D4421, as soon as possible. We must hear from you no leW than 60 days after we sent you the first ]A[ C> on which the error or problem appeared. You can telephone us, but doing so 0 not deserve your rights. in your letter, ova us to following information: You name and Account number The dollar ammadof ft suspected actor X Describe the eror and explain, it you can,. why you believe there is an error. If you reed more information; describe the 8em you are unsure about. You do rot have to pay any amount in quaimwhile we are in astlgatig, but you are still obligated to pay the parts of your bW that are not in question. While we investgeta your queaUon, we cannot report you as deirquerdor take any achorm to collect fieamount you question. Special Rate for Credit Card Purehasee: if you have a problem with the quakly, of goods or services that you purchased with a credit card and you have tried in good faith to coned the problem with to merchant, you may not hove to pay the reneini g amount due on the goods or services. You have this protection any when the purdien price was more than $50 and the purchase, was made in your hens state or what 100 aim of yon mailing address. (II we ova or operate the merchant, or if we mailed you the advertseme t for the good or services, al the purchase are covered regardless of t e amount or location of the purchase.) Payments. Send only your payment and the top portion of ft statement in the envelop provided. Do not send cash. By sending your check as described above; you authorize us to use infonneton on your dnedk to make and electronic fund transferfrom your account at the financial institution indicated on your check or to process the payment as a check tansaction. N to payment is ptooessed as an electronic hand transfer, the tranda will be fa to amount of the check. When we use information from your check to make an electronic fund irsrsfer, funds may be withdrawn ftom.your account as soon at the sane day we receive your payment, and you will not receive your check beck from your financial institution. The processing afyourpayment maybe delayed dyau send cash. oaresporndernce orotneritems with yo_u_r paym ot, lyou send the payment to any other address or 'd you we an envelope other Urn the one piovided. Payments received in proper V6 at our poressng fadlily by 5PM local time on any day wcbe irediW Zo yourjk o A ii of tiaiday.------ Payments received at our processing faediy after 5PM lmai am will be wedded to yourAcaount as of the next day. t you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please slow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit i as an electronic debit. You can pay your minimum payment or a greater amount over to telephone, and you can set up automatic pap". Cal tz at t800-3472683. You will need this statement and your bank aocoum information. You rust ensure that indlcfent funds are even" in your bank aooamt 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 th oise numbers as your electronic signature, you will he agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your banukaocamt, and to iritiate debit or credit entries to your bank account, as applicable, to orxrect aura in the processing dot such payment. You mast tell hs am amour of each payment or you can select an amount such as Minimum Payment Due or the Now Balance on each statement. You can cancel a payment, however we must receive ratoe at least three business days in advance of the scheduled payment You may notify is byphorte at 1-000-347-2683 or by mad at to address listed it to previous paragraph, If your payments may very in amarht wewff tall you on each monthly stateremd when your peymtentwill be made and how much it will be. Yam Automatic payment amount may be less than the indicated on the monthly statement based on credits or payments applied doing the billing cycle. Credit Reporting. We may report information about your account b credit bureaus. Gate payments, missed payments, or other de" on your amount may be reflected in your credit report We namely report the at" and payment history of your Account to credit reporting agencies each month: B you believe tot our report is inaccurate aunoomplete, please write us at the tolowing address-. Discover, PO Box 15316. Wtmirg m, DE 19850-5316. Please include your name, address, hone telephone number and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are *"ad on all transactions from the date to Vivisection is posted to your Account until rte date you pay yore emir New Brilliance. by making paymenfa or receiving credits. However, we will provide ire following 'grace period If you pail the New Balance on you pervious biting statement by the Payment Due tale shown on tat statemenL and you pay the New Balance by to Payment Due Date on this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this stale mevht Otherwise, you will receive a billing statement next monde that includes Periodic Finance Changes an Lase new purchases. There is no grace period on banana transient or cash advances. We son your transact one into groups of purchases, cash advances, and balance lransfaa and than further sal the transactions wdlon each group by their Annual Percentage Rate. Fa example purchases subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to two groups as transaction eawgorias. At the end of each biting period, we compute Panic& Finance Charges for each day of the biting period for each transaction catiegory We use fhe fallowing eyuabo n to compute, Periodic for each transaction category. Average Daily Balance x number of days in the bdlrg period x Darcy Periodic Rals. (See the franca charge summary on your alinement for these amounts.) Then we add tip le Periodic Fiance Charges for each transaction category to get the total Periodic France Charges for your Account Tie average Daity Balance is shovmaszera },because d d* grace period; rho Periodic Finamn-Charges apply to the balance in a trarsactiorcategogr. We use to average Dely.Belehce (mckeding newtarhsadxions) method of calculating to balance upon which we ingnae Periodic Fiance Charges. ft compute "Average Day Balance for each Rensactan category by adding up all to daily, balances in a filing period fora transaction celegtxy and "rig the total by the nurrber of days,in the billing cycle. We compute to daily balance for each transaction afegory on each day by first adding to toio" to to previous days defy balance, transactions made that day, fees charged that day ant Periodic Finance Charges accrued on that day. If a barsadorh is posted to your Account after the close of the tiling period in which t occuis; we will treat the 4ansadim as having owarred an the irct day of the Mgrs period in which it is posted to your Account All fees charged to your Account ere added to the standard purchase transaction category with to exception of Cash Advance Transaction Fee Fiance Charges which are added to to applicable ash advance transactim cefegory and Bdanoa 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 to balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard Purchase transaction category. However, it the special rate has been terminated under to Debug Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges in the applicable transaction category until the special rate would have expired.. For TOO (Telecommunication Device for the Deaf) assistance, cat 1800-347-7449. Discover may monitor order retard telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER Go green. Go paperless. It pays to 1 {IMN?El, JENNIFER A DISCOVER J ;account number ending in ;' I; 3 Join the effort to save trees and clean up your mailbox. Just sign up For Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/paperless and sign up for Paperless Statements today. 092010 Discover Bonk, Memb« FDIC O*4 a PPRGM0810 - - - - - - - - - - - - - -- - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - ----- - - - - - - - - - Closing Date: March 19, 2008 page 2 of 2 !Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE F04ANCE Balances Rates RATES _ RATES CHARGES CHARGES current billing period: 29 days Purchases $3718.07 0.03559% 12.99% F 12.99% $38.37 $0 ,Cash Advances $3418.53 0.03559% 12.99% F 12.99% $35.28 $0 The rates that apply to your Account are either fixed )F) or they may vary (V) or noted above. 'Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER' New Balance Minimum Payment Due Account Number ending in 7193 $7,471.49 $744.00 _ Enter Amount Enclosed Below Payment Due Date $ C May 18, 2008 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum ayment plus the overlimit amount of $1,671.4. 19 SDSN6A01 0023258 KIMMEL, JENNIFER A Go paperless and make your account information more secure with password- 1489 PEIFFERS LN protected statements only you can access. HARRISBURG PA 17113-1018 Learn more at discover.cornlpaperless. PO BOX 71084 (?Inrs?lrrrrarlllnlrrllnn?l CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?inln?lnnliiilrllrnrlrili{?rn?llliinl?nlirlnnl??ilni?rili?nnl? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198661807072220707471490000DDOD074400 Discover More Card Account Summary Closing Date: April 19, 2008 page 1 of 2 Account number ending in 7193 Payment Due Date May 18, 2008 Minimum Payment Due $744.00 Credit limit $5,800.00 Credit Available $0.00 Cash Credit limit $2,946.00 Cash Credit Available $0.00 Previous Balance $7,213.75 Payments And Credits 0.00 Purchases + 78.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 179.74 New Balance - $7,471.49 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Coshback8onuse Anniversary Month: August Cashbadc Bonus Balance 0.00 How Can We Help YOU? I. Visit Discovercom to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more ,It's your choice - 3 ways t0 help 2. Call 1.800-DISCOVER (347.2683) for fast, easy selfaervice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write vs at Discover Card, PO Box 30943, For TDD lassistance for hearing impaired) see reverse side Solt Lake City, LIT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Apr 19 Apr 19 OVERLIMIT FEE Apr 19 Apr 19 LATE FEE 39.00 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance tronsfers.-_However,weTeservethe'rightioincrease the-APRson-yovr-Accourdif-yoo-fail'to-pay-the- '-- minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. * `* ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Important Information. If there is more tan onepage to furs billing statement, as the back of each page for additional important ihfamafion. co 0 See your Cardmember Agreement. You Cerdrnember agreemerd conlains all the terms of yourAuxaunt. U) m Lost or atoten cards. Report knmefiatelyl Cap 1-000.347.2683. D o Biting Roo Summary. In Case of Furors or QuestionsAboulYi MI you think your bN is wrong; or if you need more intonation about a transaction on your bN, Mate us on a separate shat M paper at Discover, PO Box 30421, Sat take City, UT 84130.0421, as soon as pa5sbla. We must hem from you no later than 60 days after we sent you the irat big o 2 on which the error or problem appeared. You canteet ha a us, but doing so will not preserve your rights. In your teller, give es the fdloamg information: • You name amlAccount number The dollar amount of the suspected error X • Describe the eror and explain, L you can, vdy you believe there is an error. If you need more itfamation, describe the Lem you are unsure about You do not have to pay any amour in question while, we are investigating, but you are still obligated to pay the parts of you bill that are not in question. While we investigate your question. we cannot report you as deirpueM or take any action to collect the arum ntyou question. Special Rate for Credit Card Purchases: H you have a problem with the quail of goods or services that you purchased wilco a ae&ard and you have tried in good faith b corned the problem with the mercham, you may not have to pay to remaining amount due on the goods or services. You have this protection only, when fine purchase price was more than $60 and the purchase was made in you home star or wghin 100 mks of you mailing address. (H we own or operate the merchant. or it we mailed you tie advenaemad for the good or services, at the purchase are covered regardless of the amount or location of the purchase) Payments. Said only your payment aid 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 ad electronic fund transfer from yew amount at the fsandal institution in6caled on you died or to process the payment as a deck transaction- H the payment a peocessed as an electronic fund Irarster, the transfer will be for the amount of the died. When we use information from your check to make an electronic fund transfer, hands may be art drown from your account as soon as the same day we receive your payment, and you will not receiver your check back from your financial institution. The processing of you payment maybe delayed it you said cash, correspondence or other items with your payment. if you send the payment to any other address or Iyou use an envelope olliei tan the one pF6 d. Payinkili received in proper I&fi it err processing Isaity by 5PM1&ihliini bri eriy aatj will be i "Will V 0VAoo hit ins 61Walday- - - - - - Peyments received at our processing facility after 5PM local time will be credited to your Account as of the next day It you have misplaced your envelope, send you payment lo Discover, PO Box 6103, Carol Stream, K 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 or a greater amount over the telephone, and you can set up automatic payments. Cat us at 14800.3472663. You will need this statement and you bank account information. You host ensue that sutficient funds are available in your bank mount, and all transactions must comply with U,S. law. You wN be asked to provide the first 5 digits of you account statement ZIP code. By entering those numbers as your electronic soled re, you will be agreeing to this authorization to allow us and you bank to deduct each payment you autwr¢e from your bank aaxwnt, and to qutiao, debt or credit entries to yaw bank account, as applicable, b oared am in the prooesskg of such payment You must tell us the amount of each payment, or you an select an amount such as Minimum Payment Due or the New Balance on each atak nent You can cancel a payment, however we must receive notice at teat three business days in advance of the sdhadAed payment You may notify us by phone at 10.347-2683 or by mad at the address listed in the previous paragraph. if your payments maybe y m amount we will het you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less tan the indicated on the monthly statement lased on cre is of payments applied during the biting cyde. Credit Reporting, We may report information about your sceotrt to credit bureaus. Lae payments, missed payments, or other defaults on your aoowd may be retested in your credit report We namely report the shoos and payment history of your Account to credit reporbrhg agencies each month, it you believe that our report is i accunne or incomplete: please write us at the following address: Discover, PO, Box 153116, Wilmington, DE 198505316. Plesse include you name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES- Periodic Finance Charges are imposed on at transactions from the date the transaction is posted b your Amount until the date you pay your entire New Balance, by making payments or receiving credits. However. we will provide the fdlowig'gace period' H you paid the New Balance on you pervious billing statement by the Payment Due Data shown on that stswmew, and you pay8e New Balance by the Payment Due Date on this statement we will not impose Periodic Fiance Chiarges on new purchases, that is, purchases first appearing on this staerri 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. We sat your transactions into groups of purchases, ash advances, and balance transfers and then rather and gel 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 two groups as bansacton categories. At the end of each billing period. we co put Periodic Finance Charges for each day of to billing period for each transaction category. We use to foaowirg eghetion to compute Periodic kr each lino sacliei category Average Daily Balance x mniber of days in On billing periodx Defy Penodlo Rate. (See the irrence dsrge summary on your slatem ittfor these amounts.) Then via add up the Periodic France Charges for esch transaction category to get the total Periodic Finance Charges for your Account The average Daily Balance is shown as zero if, because of to grace period,-AU PaiorecFnance Charges apply to the balerhua n a transactioncalegory.- - - - - - - - - - - - We use the Average Daily Balance (inducing now transactions) method of caalattg the balance upon which we impose Periodic Finance Charges. We.compufa the Average Deily Balance for each amss ctipn categayby 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 tiling cycle. We compute the daily balance for each trensection category on each day by first adding the f0ilowig to the previous days daily balance, transactions made that day, fees charged that day, and Periodic Fiance Charges accrued on that day. H a aa<seci iau is posted to your Account after lone dose of the billing period in which it occurs, we will heal the transaction as having occurred on the rant day of the btig period in which 8 is posted to yourAccount. Al fees charged to your Account are added to the standard pixchase transaction categorywkh the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Fiance Charges which we added to the applicable balance transfer transaction category : When the special rate expires, we move the unpaid bale nce 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 to Default Rare Plan, we leave to 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) &soistance, call 1400-117-7419- Discover may monitor and/or record telephone cats between you and Discover representatives for quality assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER KIMMEL, It pays to 7 A ccount JENNIFER A Account t number ending in 7193 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of passward•protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC OV4 a PPRGRN.0810 ------ ------------ -------------------------- Closing Date: April 19, 2008 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic ala ce Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days Purchases $3822.28 0.07942% 28.99% F 28.99% $94.11 $0 Cash Advance# $3478,07 0,07942% 28.99% F 28,99% $85,63 $0 fhe raise fhat app to your AaesuiN are ttllker Mt<1td IF ar ih nta vary (VJ as doled a6o o Qubsfirsrld? I atidge your aec6unt at DiattdtVb liom 6r (call 1400-DISCOVER )1-800-347-2683). DISCOVER New Balance Minimum Payment Due $7,729.57 I $940.00 Payment Due Date June 18, 2008 19 SDSN6AOt 0023259 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Account Number ending in 7193 Enter Amount Enclosed Below $ Please make check "able to Discover Card. You are overlimit. P y the sum of the monthly minimum ayment plus the overlimit amount of $1,929.57. Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discover conVpaperless. PO BOX 71084 Illrrrllr,rlrrlllrlnllnrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrlr?Irilrrrlrl)rrr{rrlrlrrr)I?Itrrlrr?rrlrrllrrlrilrr?rlrr{I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001966616070722207077295700000000094000 Account number ending in ,Payment Due Date Minimum Payment Due credit Limit Credit Available Cash Credit Limit Cash Credit Available page 1 of 2 7193 Previous Balance $7,471.49 June 18, 2008 Payments And Credits 0.00 $940.00 Purchases + 78.00 $5,800.00 Cash Advances + 0.00 $0.00 Balance Transfers + 0.00 $2,946.00 Finance Charges + 180.08 $0.00 New Balance = $7,729.57 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback-BonusSAnniversary- Month: August Cashback Bonus Balance 0.00 ;How Can We Help You? 1. Visit Discover corn to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Sato Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous May 19 May 19 OVERUMIT FEE $ 39.00 May 19 May 19 LATE FEE 39.00 Information For You While we are permitted under the CaMmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right toincreaso tlre-APRs-on-your Account if-yonfail to pay-the - minimum payment due by the payment due date. See the Default Rate Plan section of the Cordmember Agreement for details. Discover More Card Account Summary Closing Date: May 19, 2008 "`* ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Important 4dormatlon. If t hers is more than one page to this biking statement, see the bade of each page for additional important information. See your Cardmemtrer Agreement Your Ciardmember agreement contains all the terms ofyour Account. Lost or stolen earth. Report kmedatsyh Cal 1000-347-2663. Bllbng Rights Summery. h Cave of Eras or OuestionsAbout Your Bq: /you funk your bill is wrong, r%7 you need mote information about a transaction on your bill write us Dais separate sheet of paper at Discover, PO Box 30421, Sap Lake City, UT 64130-0421, as soon as possible. We must rhea from you no later than 60 days aftervre sent you the first bill on which the error or problem appeared. You can Wephone us, bud doing so will oaf preserve your rights. In your letter, give us the following information: Your name aid Account nurriber The dollar amount of the suspected error Describe /reanor and explain, Iyou can, why you believe there is an error. If you need we iNoxmation, describe the item you are unsure about. You do not have to pay any amoihl in question while we are kmestlgeting, but you are still obligated b pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as dekrquan or take any scion to collect to amoud you *reslin. Special Rate for Credit Cad Purchases: ti you have a probem with the quality of goals or services that you pufdmW with a credit card and you have tried in goad faith b correct fe problem with the madhad, you may not have to pay to remeiniit amount due on to goods or services. You have 0is protection oaly when the purchase price was more than $50 and the purelursa was made in your hone state or wft 100 mks of your maing address. (11 we own or operate die merchant or it we mailed you the adverksemem for the good orservices, at the purchase are covered regardless of the amount or location of the purchase.) Payments. Send ony your payment and the top porlion of the statement in to envelop provided. Do not send cash. By sending your check as described above, you authorize us to use 4trrnadon on your dedkto make and electronic kind transfer from your account at the financial instihrlion indicated on your check or to process tie payment as a check transediat. If ft payment is processnd as an electronic fund transfer, the transfer will be for the amount of the check When we use infom9on from your check b make an eledradc kid trensim, funds may he withdrawn from your so=" as soon as the same day we receive your payment, and you will not receive your check bark from your financial institution. The P Ig gfyoWpayment maybe dektyed ifyou send cash, eoneapondence a other items wd h your payment itygu send the payment b any otter address ord ou use an_ ... envelope other than tie orbs provided. Payments received in proper format our processing Witt' by 5PM local time on any day will be credited to yourAc6 t as d that clay. Payments received at our processing fact ily after 5PM local lime will be credited to yourArmunt as of the next day It you have misplaced your envelope send your payment to ascover, PO Box 6103, Card Stream, IL 60197.6103. Posse allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an eletXmniicdebit You can pay your mini um payu" or a greater wow over the telephone, and you can set up automatic payments. Call us at 1-B00-3472603. You wig need this statement and your bank account Pdomatiah. You rust ensure #0 siAkdem funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the feat 5 digits of you account statement ZIP code. 8y entering those numbers as your alectorae signature, you w6 be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to ihaete debit or credit entries to your bank account, as applicable, b cared error in the processing of such payment You must tell us the amount of each payment, of you can select an amount such as Minmunt Payment Due or Me New Balance on each statement You can cancel a payinte t however we must receive notice at least free business-days in advance of the scheduled paymant You may notify us by phone at 1.800.347-2683'or by mail at the address listed in to previous paragraph. If your payments may vary in amount we will tell you an each monody statement when your payment will be made and few much it will be. Your Automatic payment amount may be less then the eviicaled on the monthly statement based on ix"Is or payments appled dung the billing cycle. Credit Reporting. We may report inkin abon about your accent to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your oeditreport. We rharnafy report this sleds and payment luslay your Account to credit reppr agencies each month d you believe that our report is inaccurate or incomplete, please write us et tte fallowing addfese: fiwmer, PO.Box 15316, Wikrhinom, DE 1985653}8. Please kickde your name, address, home letephone mamba and Account number, PERIODIC F'MMCE CaAGES. Periodic Finance Charges are imposed on all hansadions from the date the transaction is posted to yourAccant until the date you pay your entire New Balance, by making payments or-virg credits. Flowerer, we will provide the followng'gtece period' If you.psid the New Balance on your pervious billing stabrnenl by the Payment Due Date sMwn on fat statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Fiance Charges on new purchases, that is, pudases fist appearing on this statement Otherwise, you will receive a burg statement next month that includes Periodic Finance gorges on those new purchases. There is no grace period on balance senators or cash advances. We sot yew transactions into groups of purls, cash advanoes, and balance bansfas and than further soh the tansadiona within each group by their Arywal Percentage Rate- For example purchases subject to a pmmofo W rate and purchases aubpetto standard rate would be separate groups. We refer to these s as transaction categories. At the and of each baling period, we compute Periodic Finance Charges for each day of the billing period for each transaction lyoW breach traawlim ealegory. Avenge Daily Balance x number of in the dory. c use a the fo o equation a compute for t Periodic days tiFmg pared z Deily Periodic Rate. (See the finance charge summ"ary on your statement ent ent for face smoirhts.) Then we add up the Periodic France Chagas for each transaction category to gel the btal Periodic Finance Charges for your Aoixim. The average Daily Balance is shelwhaszem tt,'Ceceiiseof lWoraeepiNW,Tb Pdncdie Finance Charges apply 1e tfhebd e in a transaction category. We use to Average Daly Balance (ind idsg now tramiscWns) method of calculating the balance upon which we rpm Periodic Finance Charges. We oompuie the Average Daily Balance for each transaction category by addi g up at the daily balarmces in a billing period for a transaction category and "rig the toted by the number of days in the biling cycle. We eompnta the defy balance for each transaction ceQagory on each day by frstadding the following to the previous day's daily balance, transactions made fat day, ices darged dat day and Pedodo Fiance Charges accrued on that day. Ita 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 tie W day of the bU% period in which it is posted to yourAccowtL M 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 the applicable cash advance transaction category and Balance Transfer Trarmai ion Fee Finance Charges which are added to the applicable balance tuarstertansaction category. When the special rata expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transecon Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under fte 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 the Deaf) assistance, call 1400.347.7449. Discover may monitor andkr record telephone cells between you and Discover representatives for quality assurance prposes The Discovers card is issued by Discover Bank, Member FDIC. 01TB1f107. DISCOVER It put KIMMEI, JENNIFER A DISc¢yJx$_ J Account number ending in Go green. Go paperless. Join the effort to sore trees and clean up your mailbox, lust sign up for Paperless Statements and you can help save over 70 million pages per year, You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover com/papedess and sign up for Paperless Statements today. 02010 DI.oyor Bonk, Member FDIC a? a PPRWN.0810 - - - - - - - - - - - - -- - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- -- -- - - - - - - -- - --- Closing Date: May 19, 2008 page 2 of 2 ;Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3994.86 0.07942% 28.99% F 28.99% $95.18 $0 Kash Advances $3563.31 0.07942% 28.99% F 28.99% $84.90 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions Manage your account at Discover-com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance $ Minimum Payment Due Account Number ending in 7193 8,000.15 $1,148.00 Enter Amount Enclosed Below 19 SDSN6A01 0023260 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Payment Due Date July 18, 2008 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum ppayment plus the overlimit amount of $2,200.13. Go paperless and make your account Information more secure with password- protected statements only you can access. Learn more at discover.comlpaperiess. PO BOX 71084 1111,11111111,1111111111111 CHARLOTTE NC 26272-1084 Address, e-mail ortelephone change$Print change inspace 11111111ilirilillh1i11i111111111111i1i11r11r111111i111i1111111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207080001500000000114800 Discover More Card Account Summary Closing Date: June 19, 2008 page 1 of 2 Account number ending in 7193 Payment Due Date July 18, 2008 Minimum Payment Due $1,148.00 Credit limit $5,800.00 Credit Available $0.00 Cash Credit Limit $2,946.00 Cash Credit Available $0.00 Previous Balance $7,729.57 Payments And Credits 0.00 Purchases + 78.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 192.58 New Balance = $8,000.15 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonus! Cashback Bonus* Anniversary- . Month: August Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 How Can We Help You? P 1. Visit Discovencom to pay your biil 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 For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Jun 19 Jun 19 OVERLIMIT FEE $ 39.00 Jun 19 Jun 19 LATE FEE 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers.- However,-we-reserve the right-to increase ihe-APRs-an your Account if-you fail-to paythe - minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Impoitant kdormatioh. If there is more than one page talhis bilrhg satement, see the back of each page for additional important information. a See your CardnremberAgreernerht Yar Cerdrrhehnbar agreement contains all he ratans of yourAoxaunn. Z co Lost or stolen cards. Report imne6atehA Call 14100,947-2663. o Kiting Rights Summary. In Cased F_rras or QuestionsAboutYour W. Cyou Rank liar big is wrong. or if you need more information about a transaction an your bill, write us on a separate sheeid paper at Discover, PO Box 30421, Sak Lake City, UT 64130.0421, as somas possible. We roust hear from you no later than 60 days after we sent you the kst big $ on which the aria or problem appeared. You can telephone us, but doing so will root preserve your rights. In your letter, give us the fdklwing information: ro Your raw andAccourt number The dollar amount of the suspected error X • Describe tre mor and explain, dyou can, why you beieve there is an ertoc If you need more information, describe the item you are unsure abort You do not have to pay any amount in question white we are imedgratrg, bug you are all oblipie i to pay the parts of your bill that are not in question. Wide we investigate your question, we camel report you as delinquent or tale any action to collect the amount you question. Special Rate for Cre& Card Purchases: If you have a problem with the quaky of goods or services that you purchased with a veer card and you have tried in god faith to correct . the problem with the merchant, you may not have so pay tre remaining amcmt due on the goods or services. You have this protecNm only when the purchase price was more then $50 and the purchase was made in your home state or within 100 miles at your mailing address. (t we own or operate he merchant, or it we mailed your the advertisement for the good or services, at the pudrese are covered regardless of the amount or location of the purchase.) payments. Send a* 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 aut oonze us to use Information on your check to make and electronic flid transfer from your Koounl at the franccbal institution Indicated on your dnado or to Room the payment as a check transaction. If he payment is processed as an electronic fund transfer. to transfer will be ter to amount tithe check. When we use information from your dteck to make.an eectronic gad transfer, hinds may be withdrawn firom your account as soon as the am* day we receive your payment, and you will rot receive your dheckbeulk from your financial institution. The p-r M of ypur palsma Wbe.debyed t-yon serd cash, cenespm hence or other i - with paytrhe R,.gyou said the papant to troy other address or dyou use an envelope agar ton the one provided. Payments received it proper tam st our processing &* by 5Pk1 kcal dine on any day vd be uxe Q to yotrAocaurit as of that day. Payments received at our processing tacitly after 5PM local time will be rued to your Account as of the next day k 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 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. Callus at 1400-3412663. You will reed his statement and your bank account fiforma6m. You tract awe that sufficient funds are available in your bank account, and all transactions rust conpywth US. law. You will be asked to provide the fast 5 cots of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to ft sudarVbion b allow as and your bank to deduct each payment you authorize from year bank acct u t, and b initiate debit or credo entries to your bank account, as applicable, to oared emu in the processing of such payment You must tell us do amount of each payment, or you can select an amount such as Minimum Payment Due or f New Balance on each statement You can cancel a payment, however we must receive notice at least three business days in advance of he scheduled payment You may noldy us by phone at 14104-347-2683 or by mail at Rae address listed in the previous paragraph. If your payments may vary in amount we will tell you on each monthly statement when your payment wig be made and how much it wig be - Your Automa6e payment amount may be less then to indicated an the monthly statement based on aedits or payments applied during the billing cycle. Cradle Reporting. We may report information about your account to credit bureaus, Late payments. missed payments. or other defeuts on your account may be reflected in your credit report. We normally repot the stake and payment history of you Account to credit reporting agencies each month. K or believe ghat our Y repot is inaccurate or incomplete; please write us at the following address: Discover, PO Box 15316, Wet Wilmington, DE 198545316. Please induce your name, address, home lelepihana number and Account number. PERIODIC FINANCE CGIAGES. Periodic Fiance Charges are imposed on all transactions from the date the transact'ion's pasted to yourAccont until the date you pay your entire New Balance, by makig payments or receiving credits. However, we will provide the following *grace period' If you paid he New Balance on your pervious billing statement by the Payment Due Date spawn on 9W statement. and you pay ft New Balsam by tre Payment Due Dote on this statement we, will not npose Periodic Finance Charges on new purchases, 9W is, purchases first appeal Mg on ft statement. Otherwise, you will receive a billing statement next mach that includes Periodic France Charges on those new ' purchases. There s no grace period on balance traaskrs or cash advances. We sort you transactions into groups dpudaases, cash advances, and balance transfers and tort further sat the transactions within each group by their Annual Percentage Rate. For example purchases subjed to a promotional rate and purchases subject to standard rate would be separate groups. We refer to these groups as Mandan categories At the end death bRng.period, we compute Periodic France Charges for each day of the bulling period for each transaction category We use the following equation to compute Periodic for each transaction category. Average Daily Odom x m n ber of days in to piling period x Daily Periodic Rota. {See the trance charge sum ury on you statement (or these amounts.) Then we add up the Periodic Fiance Charges for each transadiak category to get f total Perio& Finance Charges fa you Account The average Daly Balance is shown as zero itlheoause 6f 1he goatee period. ra Pufribdib'FihleticeChdrQe3 appy tic the tiatatrrk in if tansa7ktln-are - _ _... _ . _ .. - - - _ We use #*Average Daly Balance linLktdng new transactions) method of calculating he balance upon which we, impose Petwdic finance Charges. We compute theAverage Daly Balance for each transaction category by adding up all the daffy baWxes in a burg period f r a transaction category and dv*V the total by the number ddays in ft billing elide. . We compute he daily balance for each transaction calegary on each day by lest 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 biting period in which i scars, we will teat the transaction as having accred an the fast day of ft luting period in which R is posted to your Account. Al fees charged to yourAccant we added to the standard purchase transaction category with Ina exception of Cash Advance Transaction Fee Finance Cherg 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, we move ha unpaid balance dine balance transfer and the Balance Transfer Transaction Fee France Charges to the standard purchase transaction category, However, 4 the special rate has been terminated under the Detaull Rate Pten, we leave the unpaid balance of he balance transfer and the Balance Transfer Transaction Fee France Charges in the applicable transaction category until the special mate would have expired. For TOO (Telecommunications Device for the Dean asahatamae, call 1-804347-7449. Discover may monitor arhddor record telephone calls belvveen you and Discover representatives for quality assurance purposes The Diso avW card is issued by Discover Bank, Member FDIC. OITOKI07 It pays to KIMMEL, JENNIFER A DISCOVER DISr,OVER Account number ending in 7 Go green. Go paperless. Join the effort to save frees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes, Go to Discover corn/paperless and sign up for Paperless Statements today. 02010 O'ixwer Bank, Wembx MC a R a PPRGRN.0810 Closing Date; June 19, 2008 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily ktnc Periodic RgLes PERCENTAGE RATES PERCENTAGE RATES FINANCE FINANCE CHARGES CHARGES current billing period: 31 days Purchases $4171.71 0.07942% 28.99% F 28.99% $102 70 $0 Cash Advances $3650.65 0.07942% 28.99% F 28.99% . $89.88 $0 'The rates that apply to your Account are either fixed (F) or they may vary (Y) as noted above. Questions? Manage your account at Discover.corn or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due $8,270.97 $1,356.00 Payment Due Date August 18, 2008 19 SDSN6A01 0023261 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Account Number ending in 7193 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum eayment plus the overlimit amount of $2,470.97. Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discover.com/paperiess. PO BOX 71084 111 111 11 19 1111 111 11 11 11 111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rrlrllrr?rrrlr?Irrr?rrlrlrrrllllrrrlrr?rs{rrllrrlrrlrrlrlrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207082709700000000135600 Discover More Card Account Summary Closing Date: July 19, 2008 page 1 of I Account number ending in 7193 Payment Due Date August 18, 2008 Minimum Payment Due $1,356.00 Credit Limit $5,800.00 Credit Available $0.00 ;Cash Credit Limit $2,946.00 ;Cash Credit Available $0.00 Previous Balance $8,000.15 Payments And Credits 0.00 Purchases + 78.00 Cash Advances + 0.00 Balance Transfers + 0.00 finance Charges + 192.82 New Balance = $8,270.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 0100 Cashback8onuseAnniversaty ------------------------------- ------------ ----------- Month: August How Can We Help You? I. Visit Discovencom to pay your bJl for no cost, view our P latest Account information, earn and redeem rewards and more 'It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT $A 130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Darn Date Other/Miscellaneous Jul 19 Jul 19 OVERLIMIT FEE Jul 19 Jul 19 LATE FEE 39.00 39.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR For purchases to your outstanding balance of purchases'andbalancetransfers.- Howeverwe reserve the right to-increase-theAPRronyovrA-ccoont -ifyoofaittb-paythe ------- Minimum payment due by the payment due date. See the Default Rate plan section of the Cardmember Agreement for details. 'Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4352.85 0.07942% 28.99% F 28.99% $103.71 $0 Cash Advances $3740.11 0.07942% 28.99% F 28.99! $89.11 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. If time is rtate M>srh one Page to On billing stalement, we the trade of each page for additional important information. CO See Your Cardmember Agreement Your Cadlrnember agreement oordains all the terms otyour Aceourt. z Lest or stolen cards. Report immediately. Cap 1-00-347-2663. n BI?kg Rights Summary. In Core of Enorr or QuestionsAb"Ym[ Big'. If you Mink your bill is vrag, or if you need more i formstiat about a transaction on your bill, write iis one separate sheet of paper at Discover, PO Box 30421, Sell Lake City, UT 84130.0421, as soon as possble. We mist hear from you no tats than 60 cloys derwe sent you the first bill on which the erns drprmlem appeared You cart telephone us, but doing so Will not presem your riplus In ynrrfator, give us Mre k1 o" inlormetlon Your name and Account number The dollar amount of the suspected error Describe the error and explain, t you can, why you believe hoe 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 ave irmstigelirg. bud you are still obligated to pay the pans of your bill that are not in question, While we investigate your question, we cannot report you as delinquent or take any action to oohed the amonadyou question. Special Rae for Credit Cud Purchases: h you have a problem with the quality of goods or services that you purchased with a credit curd and you have tried in good Leith to cared the proWmn with the merchant. you may not have to pay do rernakhig amount due on to goods or services You have this protection only, when the purchase pica was more than $50 and the purchase was made in your torte state of within 100 miles ofyour mailing address. (If we own or operate the merchant, or 4 we mailed you the edvartisement for the good or services, all the purchase are covered regardless of the.nvont or location of fie Purchase) Payments. Send only your payment and the tap portion of the statement in the envelop provided. Do rah send cash. By sending your deck as described above, you auMtoize us to use information 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 transedion. If the payment is processed as an ekdraric fund bara/er, go transfer wdf be for the smord ddie o ecck. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the sane day we receive your payment, and you wil not receive your check back from your financial institution. The processig9fyWjpayment maybe dtetayedjfyogserd cash, correspondence a 90v itenrhs with yes r 1? d the pe envelope other then the one provided. Psymems received in paper form at our processing la credited b to yanyaother_eddras _ if an facility by 5PM local l Time i tinhe on You any sen day will be creditrocxaaht as of f Maat day. day. Payments received at our processing faddy afer5PM local time will be credited to yo rAcoou t as of the next day. If you have misplaced you envelope, send your payment to Discover, PO Box 6103, Card Stream, 160 1975103. Please allow 7_10 days for delivery. If your payment is retumedunpaid, 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 15003472683. You will need this statement and you hank acoard infomnaation. You muss 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 digks of you account statement ZIP code. By entering Mrosa numbers as ypwelect ork signature, you will be agreeing In this authorization to slow us ant you hank to deduct each payment you authorizeimm your bank account, and to initiate debit orcredt 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 Mirlmum Payment Due or the New Balance on each statement: You can cancel a payment, however we must receive mice at Lost6aee business days in advance of the sctnodted payment. You may notify us by phone at 1.800347-2683 or by mail at the address lisledl in may ybbe lesss your therm payments ?arroly we will tell you on statement based ? y statement statement when your payment will be made and how much it will be. Automatic payment ay previous armun paragraph- Your payments applied doing the billing cycle. Credit Reporting. We may report inlorrnetion aboul your account to credit bureaus late payments, missed payments, or other delaulls on your account may be reflected in your credit report. We normally report tie status and payment hiskxy of your A=unt to credit reporting agencies each month. If you believe Mat our report is inscou nde or bwompiele, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 798505316. Please indude, your name, address, home telephone number and Account number, PERIODIC FINANCE CHAGF-S. Periodic finance Charges arc imposed on all transactions from to dale 0e transaction is posted to your Aocant until the date you pay your entire New Balance, by making payments or reosi ft credits. However, we will provide to followag'groce period` It you Paid the New Balance on your pervious billing statement by the Payment Due Date Am on that abatement, and you pay the New Balance by the Payment Due Dote on this statement we will cot impose Periodic Finance Charges on new purchases, that is, purchases fast appearing on this statemntt Otherwise, you will reosim a billing statement rem month that includes Periodic Fsance 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 lrenekrs and then ter dw sort the transactions wilhin each group by their Annual Percentage Rate. For example padases subject to a promotional role and purchases subject to standard rate world be separate groups. We refer to Morse groups as transaction categories, At the end of each tiling period, we compute Periodic Finance Charges for each day of to bang period for each transaction category. We use to following equation to compute Periodic for each transaction category Average Daly Balance x member of clays in to Wig period x Daily Periodic Rale. (See the finance charge summary on your statement for these amounts.) Then we add up the Periodic Finace Charges for each trarsi ctim category to get the total Periodic Fiance Charges for you Account The average Daily Balance is ail wneszerol,BecauseoT tTie ` --- ----------._.._ grecepen' ocl, m Perw6cFnencce Charges appty to the balance in a barsecam category. We use theAvoaga Daily Balance (Mu ding now tramachoris) method of calculating the balance upon which we impose Periodic Fiance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balaaes a a biting period for a transaction category and dividing the total by the member of days in the billing cycle. We compute the daily balance for each transaction category on each day by first adding the following b the previous days daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. Il a transaction is polled to yourrAecont after the dose of the billing period in which it occurs; we wl treat the transaction as having occurred on the fret day of the biting period in which t is posted to yourAccout. AN fees charged to yourAacounf are added lobe standard purcase transertim category with ft exception of Gash Advance Transaction fee Finace Chargeswhich are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges wtich are added to the applicable balance transfer tahsaction categoy When the special rate expires, aw rove the unpaid balarm of Ow balance transfer and the Balance Transfer Timisadoan Fee France Charges to the standard puntase 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 Trana(er Transaction Fee Fiance Charges in the applicable transaction category "the special rate would have expired.. For TOD (Telecommunications Device for the Deaf) assistance, call 1-81)( 1,347-7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Dank, Member FDIC, O1TBKt07 New Botance Minimum Payment Due DISCOVER' $0.00 6,,522.00 Payment Due Date August 30, 2008 31 SDSN6AO1 0023262 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Account Number ending in 7193 Enter Amount Enclosed Below $ ?__71 Go paperless and make your account Information more secure with password- protected statements only you can access. Learn more at discovercomlpaperless. PO BOX 6103 Illrrrllrttrrllrrrsllrllrrl CAROL STREAM IL 60197-6103 Ir?lul)nnulllrlulnrlr?lnur?lllnrallrllnur?lrrlnll 000001986618070722207000000000000000152200 ---------- _------------ ----------------------- ----------- Discover More Card Account Summary -------- „" -------- - Closing Date: July 31, 2008 page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date August 30, 2008 Payments And Credits - 8,270.97 Minimum Payment Due $1,522.00 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,946.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $0.00 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback BonusO Anniversary- Month: August Cashback Bonus Balance $ 0.00 How Can We Help You? 1. Visit Discover com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For MD (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 Jul 31 Jul 31 INTERNAL CHARGE-OFF $ -8,270.97 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 12 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information, If there is more than one pogo to tts NOV statement, see the back of each page for addiGabl important information. See your CardmenberAgreement Your Cardmember agreement contains al tie terms of your Account Lost or Nolan cards. Report immediow Call 1-800347-2663. Billing Rights Summary. In Case of Errors or OuestbnsAbout Your Bill: If you think your bill is wrong. or A you need more information about a transaction on your bill, write us on a separate sheet of paper of Drover, PO Box 30421, Sale Lake City , UT 04130.0421, as soon as possbla. We must beer from you no War than 60 days attar we sent you the first bill on which kre error or problem appeared. You can tele ftna tor, but doing so wig not preserve your rights. In your letter, give us the kxlowiig Kormation: Your mane andAccount number Thedofiar amount of the suspected error • Describe the emar armd eipMa, O you can, why you believe there is an error, p you need more information, describe the item you are unsure about. You do rat have b pay any amount in question while we are invastigelig, but you are std obligated to pay the pans of your bill that are not in question. While we investigate your question, we cannot repot you as delinquent or take any action to ooled the amount you question. Special Rate for Cre& Card Purchases: I you hove a problem with to qualty of goods or services that you purcased with a credit card and you have tied in good falth to cared the problem with the merchant, you may not have to pay the remaining amaaddue on the goads or services. You have this protection a* when the purchase price was more than S50 and the purchase was made in your tame do or withm 100 miles of your mailing address. (If we own or operate the merchant, or ii we mated you the advenisament for the good or services, of the purchase are covered regisdess of th amount or location of Ine purchase.) Payments. Send only your payment and the top portion of the Statement in the envelop provided. Do not send cask By sending your check as described above, you autarae us to use. idomation on Your dadc to make and electronic fund transfer from your accord at to Ermraial ratitutlan #"led on your check or to process the payment as a died( transaction. If the payment is processed as an aladfonia fund trardar, ice transfer will be for the amount of ft deck. Whack we use information from you dock to make an etoaronic fund transfer, lu ds may be wilfdram from your account as soon as Oa same day we receive your payment, and you will not receive your check back from your firancief institution. Tbsyr° ing gf y°k'! papa rt maybe delayed A yagsend_cash, oareapw- - Wence - 9C other items with your payment. 0 you send the pwymerkt to any afha address or 9 you use an .. envelope other than the ate provided. Payments received in proper fort at our processing laeily by.5PM local fire on any day coil be eredited to yorAbookmt si 61 biat day. Payments received at our processing Witt' alter 5PM lo cat! time will be credited to your Account as of the next day, t you have misplaced your envelope, send your payment to Discover. PO Box 6103, Card 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 You can pay your minimum payment or a greater amount over The telephone. and you an set up automatic payments. Gall us at 15003472683. You will need this satemeal and you bank soco rd infomabon: You nest 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 you account statement ZIP coda. By entering Base numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to ded at each payment you authorize from you bank account, and to iniWe debil or credit entries to your bank account, as applicable, to correct emir in to processing of such payment You mast fall us the amount of each paymatd, or you can select an amount such as Minimum Payment Die or the New Balance on each stetarent. You can cancel a payment, however we mast receive notice at least tree business days in advance of the stied led payment You may notify us by phone at 1400.347-2683 or by mail at the address listed in the prewar paragraph. If your payments may vary in ar out we will felt you on each monthly statement when your payment will be made and how mach it will be. Your Automatic payment arrant may be less then the indicated on the monthly, statement based on aedia or payments applied dung the lilting 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.reflecled in you melt report. We normally report t to. statue and payment history of your Amount to neda reporting agencies each marr@n. If you believe that our report: is inaccurate or inoanplete, please write us at the following address: Discover, PO, Box 15316, Wilmington, DE 19850.5316. Please include your name, address, home atephone number and Account number. PERIODIC FINANCE CHAGES. Penorte finance Charges we imposed on all transactions from the date the tra maclion 4 posted to your Account unfit the date you pay your enure New Bence, by making payments or receiving credits. However, we will provide the following 'grace period't you paid the New Balance on your pervious biting statement by to Payment Due Date Shawn on dot statement, and you pay the New Balance by Ore Payment Due Date an Ors statement we will not impose Periodic Finance Charges on new - purchases, tat is, pudases fast appearing on ft statement. Otherwise. you will receive a bi ft statement next month that includes Periodic Finance Charges on floss new purchases. There is no grace period on balance trmsiers or cash advances. We sat your transactions into grails of purchases, ash advances, and balance transfers and then fuller sort the transactions within each group by their Annual Percentage Rate. Forexampie purchases subject to a pranolional rate and purdssessvbOd to standard rate wouky be separate groups. We refer to Itiese groups as transaction categories. At the end of each billing period, we compute Periodic Finance Charges, for each day of the trilling poW for each transaction category. We use the following equation to compute Periodic for each kansacbon caagay. Avenge Daly Balance x number of days in the berg period x Daily Periodic Rate. (See the finance chaige Summary on you salementfor these amounts.) Then we add up the Periodic Fiance Charges for each transaction allegory to get the bat Periodic Finance Charges for yourAocami. The average Daly Balance is shown as zero if, 6eZe use of tie grace p6W, no Pe6Fnance Charges apply id die bArwe in a lrahmebon category. - - - - - - - Wa use leAveraga Daily Balance (indadi g raw transadiors) metlad of calculatng the balance rp>on which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by addagg up of Ile daily balances in a biting period for a transaction category and dividing ft total by the number of days in die bn7 We compute lie daily balance for each bansadion ceagoryah each day by fast adding the following b the previous days daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued an that day. IIf 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 bring period in which it is posted to yourAooc rd. Al fees charged to your Account are added to sine Standard purchase transaction category with the exception of cash Advance rra sadim Fee Finance Charges which are added to the applicable, cash advance trenssetian category and Beane Transfer Transaction Fee Fnarce Charges which are added to tie sHilicablia When the special We s, we move the Finance Charges balance standard purchase category . expires. unpaid beainixi of the balance transfer and the Balance Transfer Transaction Fee Frame Charges b tla sandard purdiase transaction category. However, tithe special rate ties been tenrtialed under ire Default Rate Plan, we leave tie unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category ahtil the special rate would have expired. Fa TDD (Telecommunications Device for the posh) asslsance, call 1504347.7449: Discover may mafM endbr mead telephone cogs between you and Discover representatives for quality assurance purposes The Disoaver® card is issued by Discover Bank, Member FDIC. OITRK107 New Balance Minimum Poyment Due i Account Number ending in 7193 DISCOV EK $8,270.97 $8,270.97 Enter Amount Enclosed Below Payment Due Date $ September 21, 2008 Please make check payable to Discover Card. Minimum adue includes a past due amount of$1,522.00. 22 SDSN6AOt 0023263 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Go paperless and make your account information more secure with password- Protected statements only you can access. Learn more at discover.com/paperiess. PO BOX 6103 1111111111111111 CAROL STREAM IL. 60197-6103 Address,a-mail or telephone change? Print change in space L1111111 111111111111111111111111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207082709700000000827097 Discover More Card Account Summary Closing Date: August 22, 2008 page I of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date September 21, 2008 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0,00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance 8,270.97 Cashback Bonuse Cashback BonusS Anniversary Month: August Opening Cashback Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 How Can We Help You? 1 • Visit Discovencom to pay your bill for no cost, view our I? 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 self4ervice 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. 'Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 22 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 12 days Purchases $0 0.07942% 28.99% F 28.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above - - - - - - -- - -- - - - - -- -- - ---- -- - - - - - - - - - -- - - - - - - - - - - - - - - -- - -- - - - - - - -- - - - - - - --- - - - - - - - - - - - - - - - - - - - - - - - -- i Important Information. If there is more than one page b to biting statement, see the bads of each page for additional important information. co See your Cardmember Agreement Your CaMmlember agreement comairs all the terms of your Account. v' z Lost or stolen cards. Report imme&Wyl Cal 11-W(1-347-2681 8101m Rights Summary. In Case of Errors or QuestiorrsADaut Your Bill: If you think your hill is wmng, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at Dkover, PO Ow 30421, Sale Lake City, (IT 84130-M, as soon as possible. We must hear from you no later ten 60 days alter we sent you the fist bill on which the error or problem appeared. You contelephorra us, bat doig so willrat preserve your rights. In yourleter, give us the Wowing information: • Your name andAmint number • The doh amount of Ile suspected error Describe be error and etiplain, it you ran, why you believe there is an mor. If you need more edormalon, describe the item you are unsure about. You do not hem to pay any arrwurtn question while we are kryesdastirg. but you are still obligated to pay the parts of your bill snit are not in question While we investigate your question, we cannot report you as delrxluent or We any action to cold to amount you gireslon Special Rate for Credit Card Purchases: If you have a pruthlem with the quafdy of goods or services that you purchased witlt a credit card and you have tried in good faith to oared de problem with the merchard, you may not have to pay the remaining amount due on the goods or services. You have this protet8on only when the purchase price was more than S50 and to prcthess was made in your home stab or within 100 miles of your mailing address. (t we own or operate the merchant, or if we mailed you the advertisement for tha good or services, all the ptrdrase areeovaed regardless of the amount or location of the purdhase.) payments. Send only your paymentend the top portion of the statement in the envelop provided. Do not send cash. By sending yourdneok as described above, you authorize us to use information on you dredc to make and aledrom; Acrd trasferfiam your account at the fihahdal nshUm indicated on your c edu or b process the payment as a died tarisoction. If to payment is phocaesed elan skatronlc bid trarsbr, the transfer will be kr the artemt of the deck. When we use information ham your deck to wow an elecboric laud transfer, bride may be wit d avrrn from your account as soon as tie sane day we receive your payment, and you wit tat receive your chadt back lam your financial Institution- The processing of ynrrpepaent maybe-ddayWyou send cash .aptaspaMenoe or oWerjtmA with your paymetik.ff you send the paymentAany otber address 9r.4-you use an envelope other than the one provided Payments mceiued in proper form at our processing fealty, by 5PM kcal time on any day will be credited to yo rAccount as of that day. Payments received at our processing bdWty after 5PM tetai time will be credited to your Account as of the next day. If you have misplaced your envelope, send your Discover, PC Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 der for If payment to days delivery. your payment is returned umpekt, we reserve the right to resubmit it as an electrahic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1.8W-3472683. You will need this statement and your bahk account mil ormabon. You must ensure that adtdart kinds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the fret 5 digits of you acmurd statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bmk to deduct each payment you aut cNize.hom your leer oocourd, and to Wine debit or credit entries to your bank account, as applicable, to correct error in the processing of such payment. You must Ml us the amount of each payment, or you can select an amount such as hftm nn Pawned Due err the New Balers on each statement You can cancel a payment, hrosever we must recede notice at bast tree business days n advance of the scheduled payment. You may notify its by phone at 13ODJ47.2683 or by mail at the address listed in the previous paragraph. If you payments may very in anont we will tel you on eadh monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less Ow the indicated on the monthly stelemert based on credits or payments applied during the b6ling cycle. Credit Reporting. We may report intametion about your account to credit bureaus. Lam payments, missed payments, or other defaults on your account may be reflected in your credit report. We rwmrely report the sleets and payment history of your Account to Cledd reporting agencies each month. If you believe that our report is inaccurate or incompate, please write us al the tatuveg address: Discover, PO Box 15316. Wdmigtorn, DE 198505316. Please include your name, address, tame telephone number and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed our at transactions tam the date the transaction is posted to yourAccomt until the date you pay your entire New Balance. by making paymens or receivng credits. However, we will provide the followng'grece pe nod' If you paid the New Balance on you pervious bllirg statement by the Payment Due Dab shown on that suuemgnr and you pay the New Balance by the Paymtent Date Data on this statement we col not impose Periodic Finance Cherges on new purchases, that is, phxdesm first appearing on this statement. Odw&ise, you will receive a biting statement next math that includes Periodic Finance Charges on those new purcheam. There's no guace period on babnnee transfers or cash advances. We sort you hahsadions into groups of purchases, cash advances. and balance transfers and than further sat the transactions within each gap by their Annual Percentage Rate. For example purchases subject to a promotional rate and purchases 9A*d to standard rate would be separate groups. We refer tothase groups as transaction colegories. At the end of each billing period, we eomprda Periodic Finance Charges for each day of the billing period for each transaction category We use the blowing equation to compute Periodic for each ka sactah colegory Average Daly Balance x number of days in to biting periodx Deily Perms Rate. (See Via finance charge summery on your statement for these amamis.) Then we add up the P_ehoda Finance Charges for each transaction catt?ory to get the total Periodic Fine noo Charges kx yourgccount The average Oak Balance is slZoii as zero it Blouse d be _ ace " _ 6 - g pared, ro PeriodlcFirianceZ'Tharges appiybthe bafarue in a rausaiaoicatego.- _ - ` - We use the Average Daily Balance Imdudmg new transactions) mettad of calculating the balance upon which we impose Periodic Finance Charges. We canputs 1heAvemge Daily Balance for each Immaction category by adding up all the daily balances in e billing period for a mseciai category and dividing the total by the number of days in the bling cycle. We compute the daily balance for each trarsacdion category on each dayby fist adding the crowing to the previous days daily balance, trensattens made that day, fees charged tat day aid Periodic Finance C hergas awned on that day. to transaction is posted to your Account after the dose of to tiling period in which it occurs, we will treat the transaction as having oommi d on tie Est day of the billing period in which it is posted to yourAocaut. Ar fees derged 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 apple" test 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 nave to unpaid balance of the balance rarisfer and the Balance Transfer Transaction Fee Finance Chagas 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 transaction category Wl the special rate would have expired For TDD (Telecommunications Device for the Deep assistance, cat 1.800.347-7049. Discover may manta and/or record Idephone calls between you and Discover representatives for quality assurance purposes The Discover° card is issued by Discover Bank. Member FDIC. OITBK107. New Balance ?Minimum Payment Due Account Number ending in 7193 DISCOVER $8,270.97 ,270.97 Enter Amount Enclosed Below Payment Due Date $ F- October 21, 2008 Please make check payable to Discover Card. Minimuyayment due includes a past due amount of $1,688.00. 22 SDSN6A010023264 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Go paperlass and make your account information more secure with password. protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 6103 11{urllurrs66rlrlr{lul CAROL STREAM IL 60197-6103 11111111111111111111 11111111111111111111 It 0000019866180707222070827097000000011827097 - ---- --------- ------------- -------------- ------------------------------------------------- Discover More Card Account Summary Closing Date: September 22, 2008 page 1 of I Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date October 21, 2008 Payments And Credits 0.00 .Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 !Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance $8,270.97 Cashback Bonus- Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 9.00 Cashback Bonus Balance $ 0.00 GuhbackEonweAnniversary------------ ------------------------------------ ------------------------------- Month: August How Can We Help You? 1. Visit Discovencom to pay your b01 for no cost, view our P latest Account information, earn and redeem rewcW and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for last, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cordmember Agreement for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 22 days Purchases $0 0.07942% 28.99% F 28.99% $0 none 'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important frdormallon. If Mere is more than one page to gds billing statement, we the back of each page kit additional important information. co 0 See yaw CardmembsrAgreement You Card member agreement contains all the tenors otyokrAccount z z Lost or stolen cards. Report Immediately. Cdr 11-00.347-2693. D Billing Rights. Summary. In Casa of Errors or Questions About You Big: If you ft* your bill is wtag, or 9you need more irformdim about a kansediat on your tic, write us on a ' separate 9" of paper at Discover, PO Box 30421. Salt Lake Cif; UT 8413D4421. as soon as possible. We must bear from you no later Ow 60 days aler we sam you the first bill g on which tle error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: m Yorname and Accounlnumber The dollar amount of gar suspected ens Describe the anon said explain, 6you can, why you believe there is an enor. If you need more information, desaie the item you are unsure about. You do not have b pay any amount in question while we are invesligai g, but you are 38 oftvkd to pay Oe pans of your bill that we not in question. While we investigate your question, we cannot report you as deknquentor take any action to collect the amour you gtsslon. Special Rate for Credit Card Purchases: If you have a problem WWI Me gkretity of goods or services that you purchased with a credit card and you have tried in good faith lo 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 tie purchase was made in you home state or within 100 miles of yon maBmg 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 emaad or bceim of the Purchase.) Payments. Sand only your payment and the lop portion of the stalement in the, erwelop pmvfded. Do not send cash. By sending you cheek as described above, you &&=a us b use info natim on you chock to make and electronic fund transfer from you account at the financial institution indicated on your check or to procass the payment as a check transaction. 11 the payment is processed asap electronic lud trawler, the transfer will be for the amount of Oe chedd. When we use iniamaiar ken your corolla to make an electronic furl tratsler, funds may be wigrdrewn from your account as soon as the ssme day we receive you payment, and you will not receive your kdiedk back from you financial i sotutiom _The fxocessingof yeur payr nont maybe leloyed d Yop_sanrd_ugsh, Careordarme a 2Uyer insyvi0l your payrrent,ifyou said the payment m any other address 00YOU use an envelope odor than the one provided. Payments received in proper form at our processing facility by 5PM local frne on any day Y A be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to yourAaou t as of the next day. If you have miplaced you envelope, send your payment to Noover, PO Bone 6103, Cad 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 etechmcdebil. You Corn pay yea nlilinalrn papnerntOr IN greater amount over fhb talephane, and you can setup a nornalic payments. Call us at 1400-3472663. You will now ft statement and your bank aooamt information. You must ensue thatsulficieM Ands 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 you account statemeru:ZIP axle. By ahkTilg those numbera as your electronic signature, you will be agreeing to this arNorizagon to allow us and your bank to deduct each peymam you adore from you bank account, and lo mft* debit or credit won b your bank aexxumt as applicable, b correct error in the processing of such payment. You must tell to the armA of each payment, or you can seled an arrant such as l'gmkmrm Payment Due or the New Balance on each statement You can cancel a payment, however we must receive notice at least gorse bus ess.days n advance x11 the scheduled payment. You may notify us by phone at 1.0 •347-2683 or by mail at the address listed in l ha previous paragraph. If you payments may vary in amount we will tell you on each monthly dalorterd when your payment will be made and taw much it will be. Your Automatic payment amount may be less than /he indicated on the mon bly statement based on credits or payments applied dkirirg the billing cycle. Credit Reporting. We may report i brim lion about you account to credit bureeus Lie payments, missed payments, or other defects on you account may be reflected in your credit report- We normally, report teSatus and payment history of you Atxxxrd to credit reporting agencies each month. It you believe that our report is uma curete or incomplete, please write us at the following address: Discover, PO Box 15316, Wkni gton, DE 19850-5316. Please include your name, address, fame telephone number and Ao=mt number. PERIODIC FINANCE CHAGES. Periodic Fiance Charges we imposed on all transactions from the date the transaction is posted to your Aocaunt until the date you pay you entee New Balance, by making payments or receiving credits, However. we will provide the lotion g'gr- period' If you paid the Now Balance on you pervious tilling statement by the Payment Due Date sho m on that statement, and you pay the New Balance by In Payment Due Date on this statement we wig not inpose Periodic Finance Charges on new purchases, Oat is, purchases irstappearing on ft statement. Olherxnse, you wig receive a billing statement next month gat nclt&s Periodic Finance Charges on those new purchases. There is no grace period on balance tra stars or cash advances. We sort your transactions nib groups of purchases, cash advances. and balance transfers and than further sat the transadirhs within each group by their Annual Percentage Rate. For example purchases subject to a promotional rate and purchases u bjem to standard rate would be separate groups. We refer to rinse groups as terox5or categories. At the. end of each billing: period, we compute Periodic France Charges for each day of to bilirg period for each 4araedion category. We we le following equation lo compute Periodic: for each transaction category- Average Daily Balance x number of days in Be billing period x Dilly Periodic Rele. (See the finance charge summary on your stolement for tfase amounts) Than we add up the Periodic Finance Charges koreach transaction category lo get the total Periodic Finance Charges for you Account . The average Daly Balanceis sliown as zero if. becense 8ftne grace period, no Peiiolic Finance Chaegeaapply to die beferide in a transaction category. We use the Average Daly. Balance (indudig new bansa hm) no" of calculating the balsam upon which we impose Periodic Fierce Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily bdanoes in a billing period for a transaction category and dividing the btal by the number of days in the thing cycle. We compute the daily balance for each transaction category an each day by cat Ong the following to the previous days daily bdaoe, transactions made that day, fees charged that day and Periodic Fiance Chagas accred on that day. If a transaction is posted to your Amount after the dose of the billing period in wfdchh it occurs,we will treat the transaction as having occurred on the first day of the billing period in which d is posted to yaw Account. All fees charged to yorAccout are addled loft standard purchase transaction category with the exception of CashAdvanoe Transaction Fee Finance Charges which are added to the applicable cash advarm transaction category and Balance Transfer Transaction Fee Fimance Charges which are added to the applicable balance transfer transaction category . When the speed nab expires, we move the unpaid balance of Ihebetence transfer and On Balance Transfer Trasecion Fee Finance Charges to the standard puchase transedan category: Hokvever. if the speed roe has been wininaied under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in fie applicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, call 1-8&347-7449. Discover may monitor and/or record telephone calk between you and Discover representatives for quality assurance purposes The Discovere card is issued by Discover Bank, Member FDIC. OITBK107 New Balance Minimum Payment Due Account Number ending in 7193 DISCOVER $8,270.97 $8,270.97 Enter Amount Enclosed Below Payment Due Dale $ 1- November 21, 2008 please make check payable to Discover Card. Minimum aym ent due includes a past due amount o?$or854.00. 22 SDSN6A01 0023265 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.conVpapedess. PO BOX 6103 ???ssrl?nrrr?s6r?r{r??rrl CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? Print change in space ?r??n??unn???r?n?ur?r??uur????uui??r'?uui??u?rr?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207082709700000000827097 -- -------------------------------------- --------------------------------- 'Discover More Card Account Summary - PwIlm - --- Closing Date: October 22, 2008 page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date November 21, 2008 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $8,270.97 Cashback Bmuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback$onuse Anniversary -------------------------------- - --------------------------- - - -- Month: August HoW Can We Help You? 1. Visit Discovercom to pay your bill for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve 16 right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. If two is more than are page tothis billing statement, see ft back of each page for add tional important ntamation, cow See your Cardmember Agreement Your Cardmember agreement contains all the terms of y=Aaount Z M Lost or stolen arch. Report immedialely! Cal 9. "7-2683. k Billing Rights Summary. In Case of Ems or QueslioniAbout Your .St. If you think yoke b6 is wmng, or ifyou need more i fomaeAon about a transaction on your hill, write us on a separate sheet of Paper at Discover, PO Box 30421, Satz Lake City, UT 84130.0421, as soon as possible. We must hear from you no later Man 60 days after we sent you he fast bill on which the error or problem appeared. You cal ephone us. but doing so will not preserve your rights. in you teller, give us the following information: You none and Account winber The dollar arraunt of he suspected error Describe the error and explain, Iyou can. why you believe there is an error. If you need more Wormmation, describe the kern you are unsure about. You do not have to pay any amount in question wN1e we are i veMigalap, but you are still obligated to pay the parts of you bill that are not in question, While we investigate you question, we cannot report you as delinquent or take a rac ion to called the amount you question. Special Rate for Credit Card Purchases: If you have a problem with the Wft of goods or services that you purchased with a credit card and you have tried in good faith to correct the problem win due merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection any when the purchase price was more than $50 and the purchase was made in you tonne stab or wither 100 miles of you made g address. (a we own or operate the merchant or Awe marled you go advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only yourpayrnent.and the tap portion of the statement in the envelop provided. Do not send ash. By sending your check as described above, you authorize us to use iMormation on you cock to make and electronic fund transfer from your account at the fnemial institution indicated on you dock or to process the payment as a check :ra "on. If On payment is processed as an electronic l ud transfer, the transfer will be for the amount of he check. When we use information from your dac to make an electronic fund transfar, funds may be withdrawn from.your account as soon as the same day we receive you payment, and you will not recefve your check pack from your ftnenctal institution. TxprooessrgMyrnapaynnerdmaybedelayedifymLseodrash,comes mm other hemswfMyatapaymenI.-ifyouusera!thepayment taanyotberaddress; or Yyouusexo - envetope other than the one provided Payments received in proper format our processing facility by 5PM local tine on any day will be credfad to yourAocou t as of that day. Payments received at our processing fwckfty after 5PM local dine will be credited to yourAaoknt as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Steam, IL 601975103. Please allow 7-10 days for delivery. ft you payment is retuned unpaid, we reserve the right to resubmit it as an electronic debit You an pay you minimum payment or a greater amount over file telephone, and you an set up automatic payments. Cell us at 1500-3472683: You will need this stalemeru and Your bank account idonnalion. You must ensure Mat suflicierd funds are available in you hank account. and erg transactions met campy with U.S. law. You will be asked to provide the fast 5 digit of you account statement 71P code. By entering those numbers as your electronic signature, you win be agreeing to this aurftrization to allow us and your bank to deduct each payment you authorize Iran W bank aooamt, and to initiate debit or credit entries to your bank account, as applicable, to correct eror in the processing of such payment. You must let us the amoud 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 notfy us by phone at 1500447-2683 or by mail at the address listed Your Automedi the previous nt paragraph. If your ay nts oray aary the nrvin we will W you on each ed monthly or statement who your payment will be made and hex much k will be. Payer Y be less the indicated y e o payments applied dung ft biting cycle. Credit Rapoding. We may report iliormetim about your account to credit bureaus. Late payments, missed payments, or other delau9s on you account may be effected in your credit repot We normally report the status and payment Matey of your Account to credit reporting agencies each month. N you believe tot our report is inaccurate or incomplete. please write us at ft following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include you name, address, home telephone number and Account number. PERIODIC FRf1WCE CHAGES. Periodic Finance Charges are imposed on ad transactions from the date the transaction's posted to yourAccount until the elate you pay your entae New Balaoa, by mating payments or-wag credits. However. we will provide Me fOloving'grace period If you paid the New Balance on your pervious b&V steamy t by the Payment Due Ore shown on ftrat swoment, and you pay the New Balance by the Payment Due Oats on this statement we will not impose Periodic Finance Charges on new purchases, gat is, purchases fast appearing on this slatemeru. Otherwise, you oil receive a billing statement next march that includes Periodic Finance Charges on those new purchases. There's no gram period on baleace transfers or ash advances. We sort you transactions into groups of purchases, ash.srlvanoss, 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 fate would be separate groups. We refer b these groups as trarseefon categories. At Me end of each bang period. we compute Pe iodic Finana Charges for each day of the bilng period for each transaction category. We use the following equation to oornpae Periodic for each transaction category. Avenge Daily Balance x number of days in the billing period x Deily Periodic Rate. (See the finance charge summary on your statement for these amounts I Then we add up the Periodic Finace Charges for each transaction Got" to pet the total Periodic Finma Charges for you Account The average Daily Balance is stnown as zero K 6eause of fee gran pennon, ro Pedodc FrrnBnoe Charges apply b Ma balsriae in a fransaaian category. We use McAverage Dairy Balance (nduxling new trasadiors) method.of alak" Me balance upon which we impose Periodic Finance Charges. Wecompub 9s Average Day balance for each transaction alegory by adding lax all the daily balances in a bitrrg period fore transaction category and dividig the bW by the number of days in the billing cycle. We compute 9e daily balance for each transaction category on each day by fast adding the Wowing to the previous days daily balance. transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day If e banseGfom is Posted to your Account after the dose of the biting period in which it occurs, we, will out the transaction as having occurred an the first day of the billing period in which i is posted to your Account. Al fees charged to your Account are added to is sanded purchase transaction category with the aaception of Cash Advance Transaction Fee Finance Chagas which are added to the applicable ash advance Iransacton category and Balance Transfer Tansaction Fee From Charges which are added to the applicable balance transfer transaction -"cry When the special rele expres. we maws the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, A the special ate has been terminated under the Default Rate Plan. we leave the unpaid balance of the balance transfer and the Balance Trartkr Transaction Fee Finance Charges in Me applicable transaction rategay until the special rate wom have expired. FaTDO (Teleeommuelcatiors Device for the Deal) assistance, call 1.960.341.7449. Discover may monitor anddx record telephone cads between you and Discover nip ablatives for quality assurance purposes The Discover` card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER S8New Bat ,27,.97Ce 22 SDSN6A01 0023266 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Minimum Payment Due Account Number ending it 7 i 93 $8,270.97 Enter Amount Enclosed Below Payment Due Date $ December 21, 2008 Please make check payable to Discover Card, Minimumpayment due includes a past due amount of $2,020.00. 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. Go p%p rless and make your account information more secure with password- Protected statements only you can access. Learn more at discover.comlpaperiess. PO BOX 6103 IIIlnpnur6lrrlrlrll111 CAROL STREAM IL 60197-6103 1111111111111111111111111 000001986618070722207082709700000000827097 Discover More Card Account Summary Closing Date- NovembeT 22, 2008 page 1 of 1 Account number ending in 7193 Previous Balance $8 270.97 Payment Due Date December 21, 2008 Payments And Credits , 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $8,270.97 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback BonusG Anniversary ;Month: August Cashback Bonus Balance 0.00 ;How Can We Help You? 1. Visit Discover eom to pay your bill for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER 1347-2683) for fast, easy selhservice options or to speak with a Customer Service Account Manager Please have your Discover Card ovaAable. 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. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment :was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rote, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due dote. See the Default Rate Plan section of the Cordmember Agreement for :details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES , RATES__ CHARGES CHARGES current billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information. 9 thers is more than one page to this Billing statemerhL see the back of each page for addifionat important infonnalion. en See your Cardmember Agreement Your Cardmentber agreement contains all the terns of your Account co a Lost or stolen cards. Repot irmw4alety! Cal 14"7-2663. ) > Bilkhg Rigits Sturmury. h Case d Ertors a ouestior>sAlhcutt Your Bit Nyou tltihlc your bit is wrag, or d you need more infartnafon abort a transaction on your bill, write us on a ! separate sheetof paper at Discover, PO Box 31421 Ur 84130-0421 Sal Lake Ciry as soon as possible We must hear from you no later than 60 days after we sent ou tre fast hid $ , , , . y on which the afar or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the fdh*V information: Your now arid Account number 0) The dolor amount of thesuspected era nh • Describe Me error and axplan. N you can, why you believe lure is an error N you need more information, describe the item you are unsure abut. You do not have b pay Why arm0unl irqu don while we are investigating, bud yam are still obligated to pay the parts of your bill dial are not in quastiart While we investigate your question, we cant report you as delriqueefor take any ac6ai b oWw the amount you question. pecial Raw for S Cm& Card Purchases: N you have a problem with the quality of goods or services that you purchased with a credit cord and you have tried in good kith to cores ? #* problem the momhatill, you my not pay the, remaining amount due on to goods or services. You have this protection only when the purchase prix was more than $50 and the purchaseixes made iri your home State or wain 10D miles of yourmairg address. (N we own or operate the merchant, or it we mailed you the advertisement for the good or services, all the purchase are covered ragerdess of the.arout or location of the purchase.) payments. Send only paryinteritend the top portim of the slatriment o emelop sending your check as described you authorize us e t ? at y obviation o your du to use on dc to mace and elect onus Uad transfer hom ccount at your a ata to financial institution indic d on your check or to we% the payment f ie as a check vansectm 9the payment is processed as an electronic fund Irw6fw, the trawler coil be for the amount of the check. When weuse i nkrmaion from your check fr make an electrum: furl transfer, funds maybe withdrawn from your aowxd as won as the same day we receive your Payment, arid you will not receive your clxedc back from your inandal kookliom Theymomingo.fy4tLr paf9*OPta*A9ayadifyuu-spnd.xih,ooy"Pondenee.orOther w0hYour payrnent,"tyousend the payrnew ba othera#4!s «rfyouusean _ envelope than ate one s received in r format our 5PM bcal time on an provided. Peyrrent grope processing facility bY. yday will be credited b you Accent as of that day. Psymenis received of our processing fealty after 5PM local time will be credited to yarAcmum as of the next day. If you have misplaced yam envelope, send your payment to Discover, Po Sac 6103, Card Stream, IL 60197-61103. Please allow 7-10 days for delivery. N your payment is retuned unpaid, we reserve the right to resubmit it as an elecronic debit. You can pay your minimum payment ora grederamount over the telephone, and you can set up Women; payments. Call us at 14M3472683. You wttnow this statement and your bards account adonnaim: You rnustensae that a ften kids are evadable in your bank account, and all transactions mist ebrmplySMhh U.S. law. You wit be asked Io provide t* first 5 i iyls of you account slelemenZIP code. By enlerimg those ambers as your electradosignakre, you coil be agreeing to M authorization to allow us and you bank b deduct each paymenlyatadme from your bank account, and to iri bade debt or cradit entries to your bark aooourd, as applicable. to coned erortt the processig of such payment. You met tell us do 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, howeverw a must receive notice at toast t res business days in advance of the scuduled payment- You may notify us by phone at 1800.347-2683 or by mad d the address fisted in the previous paragraph. If your payments may very in anaurhtwe will tell you on each no" statement when your peymentwdl be made and how much it will be. You Aubmaic payment amount may be less then tie indicated on the motdystatement based on credits or payments applied during the bill rv cycle. Credit Reporting. War may report itamafion about your account to credit bureaus. We payments, missed payments, or other defaets on your ekwoknt may be reflected in your aedt report We normally report to status and payment hisbry of you Account to h7gdt reporting agencies each moat. If you believe that our Wool is inaccurate OF inconpfefe, posse write to at tie.btoeirg address: Discover, PO. Box 15316, Warrington, DE 198505316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHAGtES. Peridrk Finance Charges we imposed on all tralsarbona from the dste the transaction is posted to your Account until the data you pay your entire Now Balance, by making payments or mceiuirg credits-However, we will provide the folowi g'grace period' II you paid the New Balance on your pervious biig staement by the Payment Due Date shorn an that statement, and you pay the New Balance by the Payment Due Date on this skternentwe will not impose Periodic Finance Charges on new purchases, that ls, pudheses first appearing on tots stalemad Otierwise, you will receive a trilling 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 W grails of purchases, cash aduahces, and balance Irarsfera and then further.som the transactions within each gaup by their Annual Percentage Rate. For example purduses subject b a promotional rate and purchases subied to standard rate would be separate groups . We refer to these groups as transaction calegones. At the. end of each bRmg period, we compote Periodic Finance Charges for each day of the bung period for each transaction category. We use the followarg equation to oMpute Periodic breach transaction category. Average DWy Balance x number of days in ton bang period x Daily Periodic Rao. (See the finance dh igs summary an you statement. for Luse amounts) Then we add tig the Periodic From Charges for each transaction cat" to gel the total Periodic Fine nm Chagas for your Account. The average Daily Balance is n as zero if baZi* oftfie gees pehbif, iho FerhoddcFnarice Charges apply b ifieUetanhce in a transaction category. - We use In Avow Daily Balance (including new transactors) method of almis" the balance upon which we impose Periodic Finance Charges. We compute the Average Deity Balance for each transaction cal" by adding up at the daily balances in a billing period fora transaction category and dividing the Intel by the number of days in the bing cycle. We compute the daily balance for a" transaction category on each day by lust adding the fdbwing to the previous days daily balance, transactions made that day, fees .charged the day and Periodic Finance Chages accrued on that day. If a tmnsediah is posed to your Account after the close of the billing period in which it occurs, we wig beat the sansKtion as haft occurred on thefiatdayoftheWIVpenod nMich illsposted toyourAccourl All fees charged to you Account are added to the standard purchase transaction calegorywith the exception of Cash Advance Transaction Fee Finance Charges which are added to die applicable cash advance basacim cobs" and Boom Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category.. When the special rate expires, we rove the unpaid balance of the balance transfer ant the Balance Transfer Tiansadon Fee Finance Charges to the standard purchase h insadion category. I-Imm, Nto specia:mte has been terminated under the Dekult Rao Plan. we Wave the unpaid balance of the balance transfer and the Balance Transfer Transactiom Fee Finance Changes in the applicable transaction category a lil the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, cal 1.600.347-7419. Discover may monitor ardlor record telephone calls between you and Discover representatives fa quality assurance purposes The Discover, card is issued by Discover Bank Member FDIC. Df BK107 New Balance Minimum Payment Due DISCOVER $8,270.97 $8,270.97 Payment Due Date January 21, 2009 22 SDSN6A010023267 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Account Number ending in 719;3 Enter Amount Enclosed Below $= Please make check payable to Discover Card. Minimumr entdue includes a past due amount of $2,186.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 6103 I11 11111 11111 1 1 111 1 1 11111 11 1 CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to '{„{Irurii111n1ir1rloll 11inrrr1111rinril1n1{ririifiiilir11 receive important Account information and special offers. 000001986618070722207082709700000000827097 ------------- ---------- -------------- ------ ------- ----- --- -- -----.--- 'Discover More Card Account Summary Closing Date: December 22, 2008 page 1 of 1 Account number ending in 7193 Payment Due Date January 21, 2009 Minimum Payment Due $8,270.97 Credit Limit $5,800.00 Credit Available $0.00 Cash Credit Limit $0.00 Cash Credit Available $0.00 Previous Balance $8,270.97 Payments And Credits 0.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance a $8,270.97 Cashback Bonuse Cash6ack-Bonusi& Anniversary Month: August Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 How Can We Help You? p I . visit Discover "m to pay your 691 for no costr 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. Information For You While we are permitted under the Cordmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR For purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cordmember Agreement for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above knportant information. If there is more than one page to this taping statement, see the heck of each page for additional important nformation. rn C See Your CardmemberAgreement Your CaNmernber agreene+d oddakhs e0 the terms of yourAcrbu nt z Lost or stolen cards. Report immediatety! Cat 1-000;141-2663. c Biting Rights Summary In Case of Ems or Questions About Your Bb Iyou think your bit n wrong. or if you need more nknnation A W a transaction on yourbi, write us on a o separate shestof paper at Dmover, PO Box 30421, Soft LAW City, UT 84130-0421, sa soon as possible. We must hear from you no later than 60 days after we sea you the first bill on which the error or problem appeared. You can telephone us, but doing so will riot preserve you rights. In your letter, give us the following aJonrretion: N Your name and Account weber The doiler acount of dw suspected error Describe the error and explain, i you can. why you believe there is an war. If you need more information, describe the item you we unsure about. You do not have to pay any wnount n question whale we are investigating. bid you are all obligated to pay the parts of your bill that are not in qureslbn. Whin we Investigate your question, we carat repod you as delinquent or We any action to dxltad the Wountytxr question. Special Rate for Credit Card Purchases: 9you have a problem with ft quality of goods or services that you ptrchased with a credit card and you have tried in to correct mw ha m the problem whit the merchant, you may not have to pay the remain'rinwoo due an the g goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made n your home state or within 100 miles of your meikg address. (K we own or operate the merdreM, or it we waled you the.advertsement for the good or services, al the purchase are covered regardless of the amount or location of the Vic hose.) Payments. Send only your payment and the rip 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 ektckawc brit transfer from your account at the financial iraktuGOn indicated on your check or to process the payment as a cnedk trwnsactim, If the payment is processed as an electronic turd bad". he transfer will be for the amount of the c hedd. When we use information from your meek to make an electronic had transfer, pads may be withdrawn from your account as soon as the sane day vie receive your payment, and you will not receive your check back from your financial institution. aclyorpa;anenPnmybe.delayed.fyoasend ca*conespondeneaor othailemsvftyour paymeot.iLynusend thepaymeotUanyotberA swgtitypuusaao e env lope other than the one provided. Payments received in proper form at our processing tastily by.5PM local tone on any day wil be credited to yourAceount as of that day. Payments received at our processing facility after 5PM khcaf lime wit be crer ied to yourAccaum as of to next day. If you have misplaced your envelope. send your payment to Discover, PO Box 6103, Card Strew, 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 elec"* debir. You can pay your minimum payment or a greater amount over the telephone, and you can set up submaYC payments. Cat cis at 14l00.3472663: You will treed this statement and you bank account nkroialion. You most ensure that sufficient finds are weiable in your bank account, and all transactions must cow" with U.S. law. You will be asked to provide the Gast 5 digits of you account statement ZIP code. By stowing to" numbers as your elemnic signature, you wu7 be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to nbate debit or credit entries la your bank acoamt, as applicable, to correct and in the procesA ng of such payment. You must tat us the amount of each paym eK or you can sited an amount such as Minimum Payment Due of the New Balance on each slate art. You can cancel a payment, however we must receive notice at least toes business days in advance of be scheduled payment. You may notify us by One at 1-000347.2683 or by mid at the address listed in the previous peregtaph. If your payments may very in arrant we wit het you an each monthly statement when your payment will be made and how much it will be. YourAulornatic payment amount may be less Uhen the indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may repod information about your so=" to cxedkbureaus: Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We namely report the slabs and payment hishay of your Amount to credit reporting agencies each mw& t you believe that our report a inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198504316. Please include your name, address, home telephone, amber and Account number. PERIODIC Ft4Af1CE CHAGES. Periodic Finance Chagas are imposed on at transactions from the date the transaction is posted to yourAceourd anti the date you pay your entire New Balance, by making payments or receiving cred try-However, we will. provide the fobwtrg `grace period' If you paid the New Balance on your pen ios billing statement by the Payment Due Data shown on that statement, and you pay the New Balance by to Payment Due Date on this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first apposig on d is statement Otherwise, you will receive a biting statement next month that includes Periodic Finance Charges on Lase new purchases. There is no grace period on balance transfers or cash advances. We sat your I armcbrins into groups of purchases, cash advances, and balance Insiders and then further sort the transactions witan each group by dwAnnual Percentage Rate. For example purchases subjed to a promotional rw and purchases subject to standard rate would be separate groups. We refer to these as tansedon groups categories, end of each biting period, we oxhmpue Periodic Finance CFrerges for each hey of the biing period for each trarsaelien category. We use the lotowirg egcratipn to owpPerio6c for each transaction category. Average Daily Balance x number of days in the Wig period x Deily Peniodlc Rate. (See the bience charge summery on your stetementfor threw amounts.) If ftwo Wd up Ow 1?eri2djp.F-manna Charges for each transaction category toget the lohul Periodic Finance Charges fa yow ocant. The average Daily Balance is -- - _..: - shown as zero i, because of the grace period, no Periodn Finance Charges apply to the balance in a transaction category. We use tilt Average Deily Balance fmdhd%now 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 at the daily balances in a billing period for a remsaccat category and dividing the total by the number of days n Crebi6hg cycle. We compile the daily balance tot each transaction category on each day by W adding tiro following to the previous days daily balance, transactions made that day, fees charged gat day and Pwio& Finance Charges accrued on that day If a transaction is posted to yourAccawd after the close of the biting period In which it oco rs, we wt7 ksal the transaction as having occuned an the first day of the biting period in which i 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 Changes wham are added to the appfxable cash advance transaction category and Balance Transfer Trersaetion Fee Finance (Usages which ore added to the applicable balance trasler 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 rote has been temanaled fader the Default Rate Plan, me 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 the Deaf) assistance, call 11-81W117-7449. Discover may monitor anft record telephone calls between you and Discover representatives for quality assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. OITBK107 YC `/C New Balance Minimum Paymr>nt Dne Account Number ending in ? I Q3 DISCOVER $8,270.97 $8,270.97 Enter Amount Enclosed Beiov Payment Due Date $ [? Fe6ruory 21, 2009 Please make check payable to Discover Card Minimumpcrent due includes a past due amount of $2,3.52.00. 22 SDSN6A01 0023268 KIMMEL, JENNIFER A Go paperless and make your account information more secure with password 1489 PEIFFERS LN protected statements only you can access. HARRISBURG PA 17113-1018 Learn more at discover.corn/paperless. PO BOX 6103 Illrrr??rrrrr?r?rrlrlr??„? CAROL STREAM IL 60197-6103 Address,a-mail or telephone change? Print change in space ?r??rr??rrun???r?u?nr?rl?ruur?l??unr??r??nnr??rr?n?j above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198b618070722207082709?00000000827097 ------------------------------ ------------ Discover More Card Account Summary ------------------------- dosing fate: January 22, 2009 page 1 of 1 !Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date February 21, 2009 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance a $8,270.97 Cashback Bortue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 CashbockBonus&Anniversary ------------ -- ------------------------------------------------------- August How Can We Help You? 1. Visit Discover.com to pay your 601 for no cost, view your latest Account information, earn and redeem rewards and more Ctrs your choice - 3 ways to help 2. Colt 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. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at This time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR For purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FRJANCE FINANCE Balances Rates RATES RATES CAGES CHARGES current billing period: 31 days Purchases $0 Cash Advances $0 previous billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% 0.07942% 28.99% F 28.99% 0.07942% 28.99% F 28.99% $0 $0 $0 $0 $0 none ,The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. -------------- Important Intonation. If there is more then one page to 8ds billing statemrld, see the back of each page for additional important information ? v See your Cardmember Agreement. You Cardmember agreement contains all to term of you Amount. z rn Lost or stolen cards. Report itmmdiatelyl Call l-&10.347.2683: D o Boflng Rights Summary. In Cane of Ear or OnstioraAbout Your Bit Hyou ttink.your bill is wrap, or 0 you Head more infomunion about a transtclion on you bill, wile is on e separate MW of paper at Discover, PO Box 30421. Sak Lake City UT 84130.0921, as soon as possible, We must hear from you no Ister than 60 days after we send you the first bill on which the error or problem appeared: You can.teleph w us, but doing so will not preserve you rights. In you letter, line us the following mbrmatien: You name and Amount member The dollar amount of the suspected error Describe tie error and explalo, if you can, why you believe Mare is en error. If you need more mfommation, describe the item you are unsure about. You do not have to pay any amount in qursbm while we are investigating, but you are all obligated to pay the parts of you bill that are not in question. While we investigate your question, we carrot report you as deliNuenl or take any action to collect the amourd you question. Special Rate for Credit Card Purchases. If you have a problem with the quality of goods or services that you pudased with a credit card and you have tried in good failh b coned to problem with the mwrdlant, you may not have b pay be remolrmng etaant due on the goods or services. You have On protection Doty when the purchase price was more ban 650 and to purchase was made in you home state or within 100 miles of your mahlrg address. (If we own or operate the merchant, or if we mailed you the ehrerlisement 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 rat send cash. By sending your check as described above, you w home us to use information on your dock to make and elecro nic' fund transfer from you account at the financial i slitullah indcaad on your check or to process the payment as a shads transaction.9 the payment is processed as antetectronfc fund transfer, the transfer vm be for t e.amaunt of the check. When we use information from you died to make an electronic fund transfer, kinds 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 fmarxial institution. __Thepracessiegofyoupayprerltghaybalklrryettlywsgrtd-c39fn,carespondMU otlreritemSY#jyourpW -AAyousendthepaymenttoanXoiheraddressorif}roumorear _ _envelope other tlheh the one provided. Payments received in proper form at our promising facility by 5PM local lime on any day will be eredded to yourAcccunt as of that day Payments received at our processing fedtity after 5PM local time will be credited to yourAccount as of the next day. If you have misplaced your emrelope, send your payment to Discover, PO Bas 6103, Card Stream, IL 60197-6103. Please allow 7-10 der for delivery. g electronic debit. your Payment is natured unpaid, we reserve the right to resubmit h as an electronic You can pay you minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1.804.3472683. You will need this statement and you bank accost information. You must ensue that sufficient funds are available in your bank account, and all transactions must comply with U.S.low. You iii be asked to provide the*95 drgrs of you account statement ZIP code. By entering tlase, numbers as your electronic signature, you will be agreeing b this authorization to slow us and you bank to deduct each payment youaWhelie from your bank account, and to idtiete debit or as& entries to your bands adco mL as applicable, to oared anon in the processing of such payment You must tell us the amount of each payment, or you can select an smouht such as Minimum Payment Due or the New Balance on each statement You cart cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment You may notify us by plane at 1400397-2683 or byroad at the ackirm isled in the previous paragraph. If your payments may vary in amount we will bed you on each monthly statement when your payment will be made and how much it will be. YourAulomafie payment amount may be less then the indicated on the morel by statement based on credits or payments applied do ng the billing cycle. Credit Reporting. We may report nformatim about your account In credit bureaus. fete payments, missed payments. or other defaults on you account may be reflected in you credit report We normally report the salus and payment history of your Account to credit reporting agencies each month. B you bekeire tat our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Ptasset include you name, address, home fefophde nutter and Account number. PERIODIC FINANCE CRAW. Periodic Finance Charges are imposetl on all sai sactions from the date the transaction is posted to yourAccourd until the date you fay yotff enbre New Balance, by making payments at receiving credits. However, we will provide the Wowing 'grace period If you paid to Now Balance on you Pervious biting statement by the Payment Due Date shown on that statement, and you pay the New Balance by it* Payment Due Date on this statement we will not impose Periodic Finance Charges on new pwchases, that is, purchases bleb appearing on this statement Otherwise, you will ram" a bilwV statement next month that includes Periodic Finance Charges on those new purchases. Them is no grace peed on balance trashes or cash advances. We sat your transactions into groups of phrdeses, cash advances, and balance transfers and than funher.sort the transactions within each group by their Annual Percentage Rate. For example purchases subject b a promotional rate and purchases aldlject to standard Fate would be separate gaps. We refer to these gaps as transaction categories. At the end of each hang period, we compute Periodic Fiance Charges for each day of the billing period for each bansad'ion category We use the following equation to compute Periodic for each transaction category. Average Daly Balance x natter of days to the Wing period x Daly Peio&c Ras. (See the bna rce doge summery on your statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the IDeI Periodic Finance Charges for your Account. The average DsAy Balance is sfiowri as zero it, because of tibia grace period, WPedbdic"Finance Charges appy to the balance We transaction category. We use the Average Daly Balance (nduding new transeciars) meted of caladetng the balance Won.which we impose Periodic Finance Charges. We co npute the Average Dairy Balance for each Uansacoion category by adding up al the daily balances in a bolting period for a hamedion category and dividing the lots) by the runnber of days in the buUng cycle. We compute the daily balance for each transaction category on each day by first adding the following to the previous days deity balance, transadicrs 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 dose of Gee biing period in whfoh il occurs; we will treat the transaction as having occurred on the fret day of the biting peiod in which nt is posted to your Account. AN fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Tensacron Fee Finance Charges which are added to the applicable cash advance transaction calegoeyand Balance Transfer Transaction Fee Finance Charges which are added so On applicable balance transer trersection category. When the special rate expres, we nave the unpaid balance of tie balance transfer and the Balance Transfer Trarsadion Fee Finance Charges to the standard pt r e transaction category. However, if the special tale has been terminated under the Defatdt Ras Plan, we leave the unpaid balance of the belance transfer and the Balance Tmnsfer Transactan Fee Finance Charges in the applicable transaction category until the special ms would have expired. For TDD (relecommunlcaliona Device for the Deal!) assistance, call 1-600.347-7449. Discover may monitor anddor record telephone calls between you and Discover representatives for quality assurance purposes The DisfwvaO card is issued by Discover Bent, Member FDIC. OiTBK107 DISCOVER New Balance Minimum Payment Due $8,270.97 $8,270.97 Payment Due Date March 21, 2009 22 SDSN6A010023269 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Account Number ending in 7193 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card. Minimum ppayymment due includes a past due amount oF$2,518.00. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercomlpaperless. PO BOX 6103 Illrss??rrhrrlh?rh?rlr??rsl CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? Print change in space ?hllrhl?rh?hhhlllh lhh lhh h??I??hhhh{Ill?hhh hl?r?lh ??h?l?rhl hill above, or go to Discwver.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207082709700000000827097 ---------------- --------------------------..-. ---- --- ------------ - ------ Discover More Card Account Summary -------- --------- Closing Date: February 22, 2009 page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date March 21, 2009 Payments And Credits 0.00 'Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $8,270.97 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback-Bonwe Anniversary ..-------------------- --------------------------------------------- - - ---------- Month: August How Can We Help You? P 1. Visit Discover.com to pay your bit 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 For TDD (assistance for hearing impaired) see reverse side ,For 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. Information For You ;While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rote, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES current billing period: 31 days -Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 none ,The rates that apply to your Account are either fixed (F) or they may vary M as noted above Important Infofration. If doe is more than one page b this billing statement, we the back of each pigs for additional important iWonnation. See your CardmemberAgreement Your Cordmemhw agreement eohfeirs e9lhe terms of your Account. Lost or stolen cartb. Report immedietalyl Cal 1800-347.2683. Billing Rights Summary. to Case of Errors or QueshonsAbaA Your Bill: If you think.yotrbig is wrong, or 4 you creed more information about a tansadim on your tiB, write us on a separate sheet of paper at Discover, PO Box 30421, Sell 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.lekphone us, but doing so will not preserve your rights. In you letter. give us the following informadon: You name andAccount number The dollar amount of the suspected error • Describe to error and explain, i you can, why you believe there is an error tyou need more mkirnheliom, describe to hail you are unsure about You do not have to pay any amount in question while rue are investigatig, 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 ardour to collect to amount you question. Special Rate for Credit Card Purchases: g you have a problem with the qualify of goods or services that you purchased with a credit card and you have tried in good faith to cored the problem with the merchant. YOU may not have to pay to remaining amount due on the goods or services. You have this protecrian only when the purchase price was more than $50 and tlhe purchase was made in your home slate or wift 100 males of ymr moiling address. Of we own or operate the merchant, or if we mailed you the advertisement for the good or services. ail the purdiese are covered regardless of the amountor location off* purchase.) Payments. Send only you payment and the top portion of the stoterim in the emidop provided Do not send ash. By sending you code as described above, you authorize us b use irformatlomh on your chock to make and dedronic frail transfer from you account at the financial institution indicated on you check or to process the payment as a check aansac6an. If the payment is promoted as an ekxtranic fwd transfer, the transfer will be lac the amount of the dhadc When we use information from you check to make an efecionic fund transfer, funds may be withdrawnfrom.ymr account as soon as the same day we receive your payment, and you will not receive you check bade from you faarhaal institution. - The praasskrgatyourpaymentmaybe detayedi you send ash,mmesporderceor ntheciremsweh you paymeat, it you send the peymeouo any newraddreas.ocif you useao - - - envelope other than the one provided. Payments received in proper form at our processing facility by 5PM foal lime on any day will be credited to your Account as of that day. Payrrerhbl received at our processing facility after SPM local time will be credited to yourAccourtas of the next day. If you have misplaced you envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 601978103. Please allow 7-10 days for delivery. if you payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay you rriroman payment or a greeter amount . over the Idephone,.and you can set up auixnatic payments. Cal us at 180D-3472663. You will creed this statement and your bank amount information. You mud ensue Orel shdlident funds are available in your bank account. end all fransacions must comply with U.S. law. You will be asked to provide the fast 5 digits of you account statement ZIP code. By entering those numbers as your electronic; signature, you will be agreeing b this authadraborr, to allow us and your bank to deduct each payment you authorize from you bank account, and b initials debit or credit enttias to your bank account, as applicable. b correct error in the processing of such payment You must Id us to amont 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 notify us by phone at 18W317-2683 or by moil at tie address listed in to previous paragraph If you payments may very in amount we will beg you on each monthly statement when your payment whb be made and how much it will be. You Auornaic payment amount may be less thaw the iukabd on the montdy statement based on credhB or payments applied dung to biting cyde. Credit Reportlig. We may report idamatim about your accour to credit breams. Late payments, missed payments, or odor defaults on your account may be reflected in your credit repot. We normally, report the sosuhs and payment history of your Account to credit reporting agencies each monN. If you behave that our report is inecarsts or incomplete, please write us at the fobaing address: Discover, PO Box 15316, W kningtorr, DE 1905M16. Please im9ude your now, address, home telephone number and Aocant number. PERIODIC FINANCE CHAGU. Periodic Fiance Chagas are imposed on et transactions from the date the transaction is posted to ymhrAacounl until the time you pay your entire Now Balance, by making payments or receiving credits. However, we will provide the Whowng'grace period' If you paid the New Balance on your pervious billing statement by the Payment Due Dole shown on that statement, and you pay the New Balance by the Payment Due Date- on this statement we will not impose Periodic Finance Chagas on new purchases, that is, Purchases frstappeerirg on this statement Otherwise, you will receive a bil irg statement next month that includes Periodic Fine= Charges on ease new purchases. Thee is no pow period on balance trarsfars or ash advamoas. We sat your transactions ids groups of purchases, cash:advaces, and balance transfers and than father sort ge transactions within each group by their Annual Percentage Rate: For example purchases subject to a promotional fate and purchases a* d to standard rate would be separate groups. We refer to these groups as transaction aiegotm.At to end of each b8'irg period, we oonpule Periodic France Gorges tar each day of the biking period for each trarseudlon colegory. We use the followtrg equation lo compute Periodic for each transaction category. Average Daly Balance x number of days in the billing period x Daly Periodic Rea. (See the ffnafroe large summary on your statement fat gross amounts] Then we edd up the Periodic France Charges for each transaction, category to get the Wei Periodc Finance Charges for you Account. The average Daily Balance is shown as zem f, because Of de grace period, no Penodc Finance Cfhergss apply to the balance in a iran39aborl category. We use the Average Daly Balance (ihchdirg new sansacuons) method of calculalig the balance upon which we impose Periodic Finance Charges. wo.compute the Average Daily Balance for each bensacton category by adding up at the daily belarces it a biting period for a trarrsecion category and dutiding it* Wei by the number of days in the haling cycle. We compute to daily balance for each transaction category on each day by frsf adding the fob" to the previous day's daily balance, transactions made that day, bes charged that day and Periodic Fiance Charges accrued on that day. If a amsactim is posted to your Acco Account after the dose of the billing period in which it occurs; we will trat the transaction as having ocmrmd on the first day of the billing period in which it is posted to your Account Al fees charged to your Account we added to the standard purchase transaction category with the exceplion of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee France Charles which are added to the applicable balance transfer transactor category . When the special role expires. we move the unpaid balance tithe balanuetender and the Balance Transfer Transaction Fee Finance Charges to file standard purchase transaction category. However, if the special rate has been to nnirated 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 transediom category until the spedai rate would have expired. For TDD (Tefecommunicatiorrs Device for the Dul) asslstance, all 1800.347-7449. Discover may monitor andbr record telephone ails between you and Discover representatives for quality assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. 01TBK107 New Balance DISCOVER $8,270.97 22 SDSNoAO1 0023270 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Minimum Payment Due Account Number ending in 7193 $8,270.97 Enter Amount Enclosed Below Payment Due Date $ C April 21, 2009 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $2,684.00. 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercomlpaperless. PO BOX 6103 Illnrllrrnrlrlulrlrllrrl CAROL STREAM IL 60197-6103 I1II11II111111I11 1 1 11 1 111 I111 11111 1111 11111 11 rIIII I I I I I I I I I I I I []00001986618070722207082709700000000827097 ----------- ---------------- ---------------- ' Discover More Card Account Summary Closing Date, March 22, 2009 page 1 of 1 ?Account'number ending in 7193 Previous Balance $8,270.97 Payment Due Date April 21, 2009 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 'Cash Credit limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance - $8,270.97 Cashback Bonus Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance 0.00 -Cashbo4kBonusO.Anniversary--------- ---..-------------- ---- ----------------- -------.------- .Month: August 1. Visit Discovencom to pay your 6W for no cost, view your How Can We Help You? P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. $. 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. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 31 days 'Purchases $0 0.07942% 28.99% F 28.99% $0 none .The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Want fnfomnatlon. If there is more than one co Ynpo page to tie bung statement, see the bed of each page for additional important iMomal on. 0 See your Cardmember Agreemerit Your Cordmember agreement cortahs at the terms of yourAccant. to rn Lost or stolen ands. Report immediately! Cal 1804347.2683. c BBihhg Rights Summitry. In Case of Errors or Questions About Your Bit. Ifyou thrill yore hill' wrong, a it you need more irfame6ar about a transaction on your biil write us on a 0 separate sheet of paper at Discover, PO Box 30421, Bak Lake City, UT 641340421, as Soon as possible. We must hear Iran you no later than 60 days after we sent you the fret bill n°m on which the error or problem appeared. You can tolephate us, but doing so will rot preserve yew rights. In your letter, give us to following information: J Your name and Account number ° The dollar amount of the suspected am N Describe the egor and explain. I you can, why you believe there is an error. If you need more inkrinakon, describe the item you are unsure about You do that have to pay any amount in question while we are investigating, but you are sill obligated to pay the parts of your bill that we not in question. While we investigate your question, we cannot report you as delinquent or We any action to naked fie amount you question. Special Rate for Credit Card Purchaasa:.If you have a problem wil h 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 the remeirahg amount due on the goods or services. You have On protection only when the purchase priaewas more than $50 and the purchase was made in your home sate or within 100 miles of your raiding address (t we own or operate the merchant or 4 we mailed you the advertisement( for the good or services, elf the purchase are covered regardless of that amount or location of the purchase.) Payments. Sand only your payment and the top portion of the statement in the erhvebp provided. Do riot send cash. By sending you tack as described above, you authorize us to use information on your dads to make and electronic fend transfer from your account at the Tetanal istiation indicated on your check or to process the payment as a check transaction. If the payment is processed as an ofecaontic And transfer, the Monster well be br the amount offfa deck. When we use edonnatbnh bm your dteck so make an electronic find transfer, hinds may be YAWrawn from your account as soon as the same day we receive your payment, and you will not restive you check heck from your frtancal institution. Thepromssingofyora payment maybe.delaysd d Unt+-ser>d_cgsh, CgjMspq 1d90oe otgher tertysr9tl Yale! paMW, if you send the gaynhent to any(Itler address a Ayou use an _ envelope other tan the one provided. Payments receved in proper form at our processng lawity by 5PM local fine on any day well be vet bed to yourAocamt as of OW day. Payments received at our processing facility afer5PM loci Ome wig be credited to yourAcaomt as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream; ib 601978103. Please slow 7-10 days for do". If your payment is retuned. unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amourd over the telephone. and you can set up aubmatic payments. Call us at 18043472683. You well need this statement and your bank acomW information. You must ensure that sufficient hods are available in your bank account, and all transactions must con" with U.S. law You will be asked to provide the first 5 digits of you socoint statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing b this authorization to allow us and your bank to deduct each payment you authorize from your bank account and to initiate debit or vetht entries to you bank account, as appicable, to correct error in the processing of such payment. You crud fell us the sinoW of each payment, or you can sated an amount such as Minimum Payment Dun or lea New Balance on each statement. You can cancel a payment, however we must receive notice at bast three business days in advance of Me scheduled payment. You may notify us by phone at 14"7-2M or by mail at the address listed in the previous paragraph. W your payments may vary in amount we will tell you on each monthly statement when your payment wil be made and how much it will be. YW Automatic payment amount may be less then the indicated on the monthlysaterrent based on credits or payments applied during the billing cycle. Credit Roper". We may report information about your acomint In creoltbureaus. Late payments, missed payments, or other defaults on you account may be reflected in your credit report We normally report he status and payrant history of your Account to crack reporing agencies each month. W you believe that our report is inaccurate or ncdmplele. plewe write is at ft following addrew. Discover, PO Book 15316, Wi nigion, DE 19850-5316. Please include you name, address, horns telephone number and Account number. P9WDIC FINANCE CHAGES. Periodic Finn nce Charges are imposed on all transactions from the date the transaction is posted to your Account unti the date you pay your enue New Balance, by making payments or receiving creft. ffowever, we will provide the foWawing'gace period' If you paid the New Balance on you pervious biting statement by the Payment Due Date shown on that swen a t, and you pay the New Balance by the Payment Due Date on this salemerhl we will not impose Periodic Finance Charges on new purchases, Well is, purchases first appearing on this statement Otherwise, you will receive a biting statement ne)d mordh that includes Periodic France Charges on those new purchases. There is no grace period on balance Varhsfea or cub advances. We sort your kowsectiora into groups of pudases, cub advances, and balance trawlers and Ben further sort t e tramadio s within each group by their Ann al Percentage Rate. For axon* puchaam wer*d too promotional rate and purchases subject to standard role would be separate groups. We refer to these, groups as transaction catagories.At the end of each billing period. we compute- Periodic Finance Charges for each day of the belling period for each tansecban category. We use the following equation to compute PerWic for each transaction cabgory. Average Daly Balance x number of days in the taming period x Daily Periodic Rate. {See ft fsance charge summary on your statement for Oise amounts.) Then we odd up the Perio3oFinance Charges for each transaction category to get the total Periodic Finance Charges for you Account. The average Daily Balance is allay . sl g as zero if, because ofifiegiodi period, ilia Peifodic France Charges apply "16ft balwte' in's transacion cat We use the Average DadyBaance (rxdurdng new trarsections) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daly Balance for each transaction category by adding up at the defy belances in a billing period for a transaction category and dividing the rah by the number of days in the billing cycle. We compute the daily, belahce for each transaction category on each day by Just adding the following to the previous day's rlaiy balance, trarsediars made that day, lees Barged that day and Periodic Finarce Charges accrued on Oat day. Wa transaction is posted to your Account after the close of the billing period in which it occurs, we will heel the transaction as having occurred on the Wday of the birng period in which it is posted to you Account. All fees charged to you Amount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finarce Charges which are added to Oe applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction care" When the special reteoxpires, we move Oe unpaid balance of the balance transfer and Om Balance Trawler Transaction Fee Finance Charges to Wiz standard purchase lrensadim category. However, if the special rate has bosh terminated under the Default Rae Plan, we leave the unpaid balanced the balance transfer end the Balance Trawler Transaction Fee Finance Charges in the applicable transaction category uotg the special ate would have expired., For TOD (Telecommunications Device for the Deaf) assistance, cal 11at1-347-7449. Discover may monitor andror record telephone calls between you and Discover representatives for quality assurance purposes The Discovera card is issued by Discover Bank, Member FDIC. OITBK107. i New Balance Minimum Payment Due i DIISCOVEAC $8,270.97 $8,270.97 Payment Due Date May 21, 2009 22 SDSNSA01 0023271 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Account Number ending in 7193 Enter Amount Enclosed Below $ r- Please! make check payable to Discover Card. Minimum yment due includes a past due amount of $2,850.00. Go paperless and make your account information more secure with password- pprotected statements only you can access. Learn more at discover.comlpaperless. PO BOX 6103 111 111111111 1111111 CAROL STREAM IL 60197-6103 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. 000001986618070722207082709709000000827097 'Discover More Card Account Summary Ciosing Date, April 22, 2009 page i of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date May 21, 2009 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash credit limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $8,270.97 Cashback Banuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 CoshbockEonuagAnniversary----------------------------------------------- ------------ ---- ---_•---... - Month: August How Can We Help You? I. Visit Discover eom to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on :purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of 'purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE 8alonces Rates RATES RATES - CHARGES CHARGES current billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 previous billing period: 28 days Purchases $0 0.07942% 28.99% F 28.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important bilom illon. If there is more than one page tolhis billing statement, see the back of each page for additional important information. See your Card ember Agreement Your Candmember agreement conlaw all the term of your Account Lost or stotan:cards. Retort kmledistayl. Cal 1400.347-2663: Billng Rights Summary. In Case:of Errors or Questions About Your Bill: Ifyou think your b& is wrong, or if you need more intonation about a transaction on your bill, write us on a separate at" of paper sit Disoovisr. PO Box 30421. Soft Lake City. UT 84130-0421. as soon as possible. We must here from you no later than 60 days after we aim you the first bl on vAuch the error or problem appeared- You can telephone us, but doing so w& not preserve your rights. In your leper, give us the fdlowing ktformration • Your name andAcco" number The dollar emourit of the. suspected error Describe the error and aplan, if you can, why you believe there is an error If you need more information, describe the lam you are unsure about. You do not have to pay any enouralin question edge we are a vesligaGhg, but you are still obligated to pay the parts of your bit that are not in question, Whle we investigate your quesson, we cannot report you as detsquent or take any scion to oelect the amount you quesbort Special Rate for Credit Card Purchases: t you have a problem with the quality ot goods orservioes that you purchased *0 a aedil cad and you have toad n good faith to correct the problem with the rterdmsit, you may not have o pay the remaining amount due m the goods or services. Yoh haw this protection only when the purchase price was mote than $50 and to purchase was made in your home state or within 100 mks of year mailing address. (9 we own or operate to merchant, or f we mailed you the advert for the good or services, all the purdraae 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 rat send rash By sending your cheek as described above, you authaila us to use kdommtion on your dock to make and electronic fund transfer from your aocourd at the financial institution kmdiksted on your chedt or to process the payment as a deck transaction. If the payment is processed as an eleclr= fund transfer, the transfer will be for the amount of the check. When we roe information from your check to make an eleck= fund transfer, fiords may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your chedibac k tom your financial instituUm. The ixemssirg of y ixpayment maybe delayed iLyou send cesti oonespordeence or other-items witLyour paymewtityuu send the paymeotlioanyDtheraddress ncdyou usaao - _ - envefope other than the one provided. Payments received ri proper form at our processig facility by 5PM local time on any day will be credited to yourAceount as of that day. Payments received at our processing fscllity after SPM local time will be credited to yourAccaant as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Cad Stream, 11 -60197-61103. Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit t as an electronic debit You can pay your rrvnimmn payment or a greater amhounl over the telephone, and you can set up automatic payments. Cell us at 1500.3472683. You will road this statement scud your bank account information. You must ensure that add" funds are available in your bank account and all transactors must comply with U.S. law. You wig be asked to provide the fast 5 digits of you account statement ZIP code. By enlerkg thane numbers as your electronic signature, you will be agreeing to this eutradmtion to allow us and your bank to deduct each payrherd youatforive from your bank accourd, and to dilate debit or credit entries to your bank account, as applicable, b correct error in the processing of such payment You must touts to amount of each payment, or you can select an amount such as Minimrn Payment Due or de New Balance on each scent. You an cancel a payment, however we must receive notice at least hair business days in advance of the scheduled payment. You may notify us by phcre at 1500-347-2883 or by mad at the address listed in this previous paragraph. If your payments may vary in amount we will tog you on each monthly statement when your payment will be made and low much t will be. YourAWomatic payment amxmt may be less than the indrated on the monthly statement based an credits or payments applied dung the billing cycle. Credit Reporting. We may report Wormabon about your account to credit bureaus. Late payments, missed payments, or other ddefaufts on your account nay be refleded in your credit report. We normally report the shits and payment history of your A=mt to creme reportig agencies each month. It you believe that our report is inaccurate or incomplete, please write us at the following addmss: Discovrw, PO Box 15316. Wilmington, DE 196565316. Rem include your name, address, tome telephone number andAaoud number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed an all transactions from the date to sansaction is posted to your Account anti the dote you pay your entire New Balance, by making paynenta or receiving credits. However, we wdn Provide do Ong grace period ityou pail to New Balance on your pervious WbV statement by the Payment Due Date shown on that statement, and you pay the Now Balance by the Payment Due Date oo this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases firstappemng 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 son example bamsedions lino 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 promoiionat rate and purchases subjed to standard rate would be separate groups. We rota to these groups as transaction categories. At the and of each billing period, we amnpul , Periodic Fmence Charges for each day of the b&ng period for each transaction category. We use the following equation to compute Parodic for each trasaclim category. Average Daly Balance x number of days in the bikrg period x Daly Periodic Rate. (See the grence charge summary on your statement for these enwiumfs) Then weadr! aP the Periodic France Charges bleach herrsectian cat- - fie get the total Periodic Finahoe Charges foryourAccrou t. The average Daily Balance is shown as zero if, because ofthe grace period, no Periodic Finance Charges apply to batance in a transaction alegay. - We use the Average D*.Balence (ackWkg new trarseutiorts) method of calculating the balance upon which we Impose Periodic Finance Charges. We compute the Average Daily Balance for each transactam alma by adding up all it* defy balances in a billing period for a transaction category and dlvi the total by the number of days riche billing cycle. We compute the daily, balance for each trameBCtiem category on each day by first adding the Mowing to the previous days defy balance, tatlsacl ons made that day, few charged that day and Periodic France Charges accrued on that clay. 9 a transaction is posted to your Account after die dose of the baling period in which it occurs, we will treat the transaction as having occurred m the bat day of the billing period in which it is posted to your Account. AN fees charged to yourAccoui i we added to the standard purchase tmnsadiah category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable ash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the agd able balance transfer transaction category . When the special rate expires, we move the unpaid balance of to balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category: However, if the special iota has been terminated under the Default Rae Plan, we leave the unpaid balance of the balance transfer and tine Balance Transfer Transaction Fee Finance, Charges in the applicable transaction category until the special rate would have expired. Fur TDD (Telecommunications Device for the Deaf) assistance, call 1-800.347.7449. Discover may monitor andlor record telephone tags between you and Discover representatives for quality assurance purposes The Discover* card is issued by Discover Bank, Member FDIC. OITBK107 New Balance Minimum Payment Due DISCOVER $8,270.97 1$8,270.97 Account Number ending in 7193 Enter Amount Enclosed Below Payment Due Date $ 1 ' June 21, 2009 Please make check payable to Discover Card. Minimum yment due includes a past due amount of $3,016.00. 22 SDSN6A01 0023272 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover corn/paperless. PO BOX 6103 111111 11111111111111 111111111 CAROL STREAM IL 60197-6103 ItIInllnnttllltlnltultllnutlllluutlltllnntllnlnll 000001986618070722207082709700000000827097 ----------- Discover More Card Account Summary ------------- --------- Closing Date: May 22, 2009 page l of 1 ;Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date June 21, 2009 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 Now Balance - $8,270.97 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashbock -Bonuse. Anniversary ;Month: August Cashback Bonus Balance 0.00 'How Can We Help You? 1. Visit Discovercotn to pay your bill for no cost, view our p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (Y) as noted above. Important information. I toe is more than one page to this billing statement, see the back of each page for addifmnal important information. rn 0 See your Cardmember Agreement Your Cardmember agreement contains all the terms of your Account Z 0 Last or stolen cards. Report krmedia"I Cant t 800-' 47.2683. o Billing Rights Summary. M Casaof Errors or LksstionsAbout Your BST: Ifyou think your bill is wrong, our if you need more information about a transaction on your bill, write us on a g separate sheet of paper at Discover, PO Box 30421, Souk Lake City, UT 841130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill r? on Mich de 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 andAcceurd nurnber The dollar amount of the suspected war ?c Describe the error and explain, d you ran, why you believe then is an error N 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 pans of your bill that are not in question.. W11dewe iewestgare your question, we cannot report you as delinquent or We any action to coiled the amouM you Wasson. Special Rate for Credit Card Purchases: N you haw a problem with the quality, of goods or services that you purchased with a credit card and you have tried m good faith to correct the problem with to m charg, you may not have to pay the temaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in you home stale, or wilhn 100 nibs of your mating address. (k we own or operate the merchant or I we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or l cafion of the purchase) Payments. Send only your payment and the top portion of Ire statement in the envelop provided. Do not send cash. By sending you check as described above, you authorize us to use nfonnadon on your chock to rake and elrctronte fend transfer from you account at the financial institution indicated on your 'check or to process the payment as a check transaction. N the peymert is processed as an electronic fwd transfer, the transfer will be for the amount of the check. When we use information from your check to make an eledur o fund trainsfer, funds may be w"rawn from your account as soon as the same.day we receive your payment, and you will riot receive your check back from your financial M$ft m. Theyrosess 0gof!" of Reymenl tnnyba dalalred if ycu.pand casfi, ccrrespondence or other items with YotEt?aYri, - I ! you_seM the payment to any other address cr A you use an _! envelope other than the one provided. Payments received in proper form at our pmcesemg facility by.5PM local time on any day wit be credied to yourArmnt as of that day. Payments received at our processing fadNy aka 5PM beat time will be credited to yourAcecunt as of the nerd day. If you have misplaced your envelope, send your payment to Discover. PO Box 6103, Card Stream, IL 60197-6103. Pleas allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an eleorranic debit You can pay your minimum payment or a Wester amount over the telephone, and you can set up automatic payments. Call us at 1-800-3472683. You Will need this statement and you be* account information. You mull ensure tlstsuffident finds are awl" in your bank account, and all transactions must comply with U.S. law. You wig be asked to provide the first 5'6* of you account statement ZIP code. By entering those numbers as your elections; signature, you wit be agreeing to fhis autgrizatan to allow its and your bank to dekind each payment you authorize from your bank account and to i i" debit or credit entries to you 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 Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we roust receive notice at feast three business days in advance oohs scheduled payment. You may notify kith by phone at 1800347-2663 our by mall at the address Wed in the previous paragraph. If your payments may vary in amount we YA tell you on each monthly statement when your payment will be made and how much it will be. Your Mom& payment anaunt may be less then the indicated on the monthly statement based on credits or payments applied during the bitting cycle. Credit Reporting. We may report inoanebon about your account b creme bureaus. Late payments, missed payments, or other debrrks on your socnut may be releded in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. It you Wave, that our report is inscaraQ or incomplete, plew write us at the following address: Discover, PO Box 15316, Wimaglon, DE 198505316. Please include your creme, address, home telephone number and Account number. PERIODIC FINANCE C11AG.ES. Periodic Finance Charges ere reposed on all transactions from ore date the transaction is posted to WAcoounl until the date you pay your entire New Betance, by making payments or receiving credits. However, we will provide the following "grace period' If you paid the New Balance on your pervious bang statement by the Payment Due Date shown on that statement, and you pay the Now Balance by the Payment Due Data on this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases bat appearing on this statement Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those now purchases. There is no grace period on balance transfers or cash advances. We sat you trasedions into groups of prdhases, cash mss, and balance transient and than further sort the transactions within each gaup by their Annual Percentage Rate. For example purchaser; subtled to a promotional rare and purcha s sutlect to standard rate weld be separate groups. We refer to these groups as Iranshachon categories. At fee. end of each biirg.period, we am" Periodic Faernce Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic or each Irasecton caaegay. Average Daily Balance x number of days in the billing period x Daily Periodic Retie. (See the finance charge summary on your stalemad or these amounts.) Then we add up ft Periodic Finance Charges or each transaction category to get the total Periodic Finance Charges for your Accent. The average Daily [Wane is Imonazeroif liecauseofrie ec3 noPerio&Finance Charges eppiy to thsbal3iice in a transaction wtegohy. ... - _ _ _ _ - - - - We use the Average Daly Balance (including new transemors) method of calc laing the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the drily bdanoes in a billing period for a transaction category and dividing the total by the camber of days in the billing cycle. We compute the deify balance for each transaction category on each day by first adding the fatowag to tve previous days daily balance, transactions made rivet day, fees charged that day and Periodic Finance Charges accrued an be day If e bansadon is posted to your Account after the dose of the ti "period in which it occurs, we wit treat the transaction as having occ aced on the first day of the biting period in which it is posted to your Acwunl. AI lees charged to your Amount are added to the standard purchase transaction calegorywith the exception of Cush Advance Transaction Fee Finance Chagas which are added to the applicable ash advance trersactierh category and Balance TrasferTransacean Fee Finance Charges which are added to the applicable balance tri sW transaction category. When the special rate expires, we move the unpaid balance of the balarhce transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category: However, Athe slwal retie has beenlerninaled under flee Oak& Rate Plan, we leave the unpaid balance of the balance transfer and the 8afence Transfer Transaction Fee Finance Charges in the applicable transaction category "I Ive special rate would have expired. For TDD (Telecommunications Device for this Ono assistance, call 1400.347-7449. Discover may monitor arndlor record telephone calls between you and Discover representatives for quality assurance purposes The Discover* card is issued by Discover Bank, Member FDIC. 01TOK107 New Balance Minimum Payment Due Account Number ending in 7193 DISCOVER $8,270.97 $8,270.97 Enter Amount Enclosed Below Payment Due Date $F- July 21, 2009 Please make check payable to Discover Card. Minimum payment due includes a past due amount or $3,182.00. 22 SDSN6A01 0023273 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 6103 11611 11 11111 1 1 1 11 1 1 1 1 11 n1 CAROL STREAM IL 60197-6103 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. 0000019866180?072220?082709700000000827097 ------------------------------------------------------------------------------ Discover More Card Account Summary ------------ - --------- Closing Date: June 22, 2009 page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date July 21, 2009 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash CredH Available $0.00 New Balance $8,270.97 Cashback Bonuse Opening Cashbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashbock-Bows& Anniversary- - Month: August Cashback Bonus Balance 0.00 How Can We Help YOU? 1. Visit Discover.com to pay your bill for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You !While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR For purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for :.details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES _ CHARGES CHARGES current billing period: 31 days purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. -- ------------------------------------------------------- --------------------------- important Information. If Owe is more than one page b this billing statement, see the bade of each page for additional important information.. cn See your Cardmember Agreement Your Cerdmernber agroenerd contains e.9 is lambs of yohrAccount. co co Lost or stolen.earde. Report immediately! Cal IISO34T-2683. o Billing Rights Summary. In Case of Entire or QuestionsNwutYotr FII: M yyoouu tank your bill is Wong or If you need more information about a transsdion on your bill, write us on a separate shed of paper at Discover, PO I$ox 30421. Salt Lake City, UT84130.0421, as soon as posable. We must hear from you no later than 60 days after we sent you the first bill o on with the error or problem appeared. You can telephone us, but doing so oil not preserve your rights. In your leper, give us the following information: N • Your name end Account number N • The dollar mount of the suspected enor Describe the error and explain, if you can, why you believe there is an am. If you need more Worinalon, describe to item you are unsure about. You do not have to pay any amount in question while we are Inveiriplirg, but you are still obligated to pay the parts of you big that are not in question. While we investigate you questiom, we carat report you as delnquen t or take any actin b tolled the amount you question SpKW Rase for Credh Card Puehsses: t you have a problem with the quality of goods or services that you purchased vvitt a Credit card and you have tried in good faith to correct the problem with he memberg. you may not have to pay the remraina* amount due an the goods or services. You have this protection only when ft pure ass Moe was more than $50 and the purchase was made. in you home stale or Whn 100 miles o1 your moiling address. (If we own or "rate the merchant, or Iwe mailed you the advertisement for the good or services, all he purchase are covered reghrdess of IN amount or location of the purchase.) Payments. Send only your payment and the top portion of ft statement in the amrelop, provided. Do rat send cash. By sending ycurdha k as described above, you authorize us to use a ilarmabon on you chock to make and electonc fund transfer from your accent at the ficeridal nstihtiom ndiosted on you check of to process the payment as a check transaction. If he payment is processed as an electronic fund transfer, he transfer will be for he mount of the check. When we use information from your tdedk to make an electrcrte had transfer, kinds may be withdrawn from your scooud as soon as the some day we receive your payment, and you will not receive your check back from your tine ow institution. The process log dym-paymam maybe delWaiLyou send casb,mrespondence or dherAemamilt your payrrad ityou send the paymeounarg 9VwAddress or4ylw use an envelope ohs than the one provided. Payments received h proper form at our processing facility by 5PM local time on any day will be credited to yourAcoount as of that day. Payments received at our processing facility after 5PM local time 4 be credited to yourAcoount as of he nett day. Iyou have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for defivery. If your payment is returned unpaid, we reserve the right to resubmit it as an eledm nic debit. You can pay your minitnum payment or a greateramount over the telephone, and you can set up automatic payments. Cal us at 1$00-3472683. You will reed this statement and you bank accent inormation. You must em+re that sufficert furls are available in your bank account, and all transactions must oomply with U.S. law. You will be asked to provide the lest 5 digits ofyou aceounf statement ZfP code. By entering those numbers as you efectronic signature, you will be agreeing to his authorization to allow us and you bank to deduct each payment you authorize from you bank account, and to mifiata debit or aedtentries to you bait account, as applicable, to correct a m in the Processing of such payment You rest tell us the arrourt of each payment, rr you can voted an amount such as M rimm 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 1-000-3471683 or by mad at the address bled in the previous paragraph. If your payments may very in amount we volt tell you on each monthly statement when your payment will be made and haw much t will be. Your Automatic payment amount may be less ten the indented on to monthly statement based on credits or payments applied during the biting cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other delaudls on your account may be reflected in your credit report. We nnomelly report to sWw and payment history of your Mooted to credit reporting agencies each mxth R you believe that out report is inaccurate or incomplete. please write us at the Idlowing address: Discover, PO Box 15316, Wilmington, DE 19650-5316. Please include your carte, address, horse telephone number and Account number PERIODIC FINANCE CHAGFS. Periodic Frrenoe Charges are imposed on all transactions from the date the transaction is posie4 to yourAooout until the date you pay your entire New Balance, by matting paymentsor receiving credits . R-ev r, we wit provide he bMowing grace period' f f you paid the New Dole-on your pervious biting statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Ogle on his suremenawe will not impose periods Fianna Charges on new purchases, that is, purchases fast appearing on this statement Otherwise, you will receive a biking statement next math that includes Periodic Finance Charges an those new purchases. There is no grace period on balaroe transfers encash advances- We sat your trersocions into groups of purchases, cash advances, and balance transfers and then hadersod the tremssliors wvithin each group by their Annual Percentage Rate. For example purchases subyecl to a promotional kale and purchases sub dto standard rate would be separate groups. We refer to hose groups as transaction categories. At the end of each billing period, we compute Periodic Finance Charges for each day of to billing period for each transaction category We use the blowing equation to compute Periodic for each transaction category. Average Daly Balance x comber of days at the billing period x Deily Periouic Rate. (See the finance chargasummary on your sstemaMfa these amounts) Then we add W the Pedodc Finance Charges for each trarhsactian cat o get the heel Periodic Finance Charges for your Account. The average Da l1 Balance is is shown as zeio 1, because of the grece par . ed, no Periods Fasnce Chharges apply b balance in a transaction cetegory. We use she Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We.compule the Average Daily Balance for each transaction category by adding. up all the daily belmoes in a billing, period for a bansectah category and dividing the bW by the member of days in the bung cycle. We compute the daily balance for each transaction categoryon each day by first adding the foioairg to the previous days dally balance, transactors made tot day, fees charged that day and Periodic Finance Charges soared on that day, t a transaction is pasted to you Amount after the close of the billing period in which it occurs, we will treat the transaction as having occurred on the lost day of the tN" period in which it is posted to your A.ccount. AI fees charged to your Account are added to the standard purchase uasadion 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 ns which are added to the appilicable balance transfer category. C When the special rate expires, we nave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Merges to the standard d purchase purchase b category. However, if the Transaction special ate has been terminated under to Elefadt Rate Plan, we reeve the unpaid balance of the balance transfer and the e Balance Transfer Transaction Fee Finance Charges in the applicable transaction category unfit the special moo would have expired. For MD (Tefecormmunications Device for the OeaQ assistance, call 1.800-347-7419. Discover may monitor ardbr record tetephora cats between you and Discover representatives for quality assurance purposes The Discuver•` card is issued by Discover Bank, Member FDIC. OlTBK107 New Balance Minimum Payment Due I Account Number ending in 7103 DISCOVER $8,270.97 $8,270.97 ?l! Enter Amount Enclosed Beiov; Payment Due Date $ [ August 21, 2009 Please make check payable to Discover Co=d. Minimum ppayyment due includes a post due amount oF$3,3148.00. 22 SDSN6A01 0023274 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Go paperless and make your account information more secure with password protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 6103 Illrrrllroil II11r,Irlrf1n1 CAROL STREAM IL 60197-6103 1.IIIIIIirnIIIIIIIIIIruIIIIrrnIIIII113 11 11 1 1111111 111 ?IIIII 000001986618070722207082709700000000827097 - ---------- -------- --------- ----------------------- Discover More Card Account Summary ----------- Closing Date: July 22, 2009 page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date August 21, 2009 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance m 8,270.97 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance 0.00 Cashback BonusS.Anniversary----..-----_- --------- ----- ----- _--..--------------- - -- Month: August '`P u HOW Can YY a Help YOU 1. Visit Discoveacom to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service 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 , , Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment 'was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you Fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information. If We is more than one page to this billing statement. see the beck of each page for additional ingortmd informnatim. v See your CardmemberAgeemenL Your Cardmembet agreement contains al to terms of your Amoutt z Lost or stolen cards. Report immediately! Cal 14K"7-2663. o Burg Rights Summery. In Case of Errors or Ouestions About Your Bit: If ya think your bill is wronc or 9 you need more information athebl a transaction ph you bbl, write us on a separate sheet of paper at Discover, PO Box 30421, Selo Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent 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 in the following information: Your name and Account number The dollar arrotnt of thasuspected error • Describe the error and explain, if you can, why you believe there is an error. If you need morn nlormation, describe the item you are unsure about X 'r You do not have to pay any eroovnt in question while we are inyestigabrhg, but you era still obligated to pay the pans of your bill that we not in question. White we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Cud Purchases: H you have a problem with the quality of goods or savioes 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 so pay to rematning amount due on to goads or services. You have this protection arty when the purchase price was more Man S50 and the purchase was made in your tame state or within 100 miles of your ma/hg address. (If we own or operate the merdran, or if we mailed you the advertla ant for the good or services. el lie 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 nlormatim on your check to make and electronic fund transfer from your account at the financial irstirtlion indicated on your d" orb process the payment as a check tmnsec6ah. If the payment is processed as an electronic fund transfer, the transfer Ml be for Ire amount of the check. When we use information from your dreck to make an electronic fund transfer, funds may be withdrawn from your account as soon as the come day we receive your payment, and you will not receive your check back tom your financial nsitution. ThePtotasSag4fY4ufp?Jm!ek!rtaYbo dl ?You. cesti.4otr?SDOnd?!ucea4lle[itemswfiyou!paYrrtent.4yousencithepa)+n_n anyolwaddreasorifyoutuean _ envelope other than the are provided. Payments received in proper form at our processing facility by 5PM kcal fare an any day will be credited to yourAccount as of that day. Payments received at our processing facility after5PM kcal time will be credited to your Account as of the next day. If you have misplaced your envelope, sand 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 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 I-M3472663. You will need this statement end W bank account infomrefion. You must ensure that sufficient funds are available in your bank account, and all transactions must comply wilco 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 sighatu e, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your thank account, and to initiate debit or credit entries to your bank account as apgicable. to correct ermr in the pioca:i ilg of such payment You nest ter us the amount leach payment, or you can select an amount such as Minimum Payment flue or the New Babamce an each statement: You can cancel a payment. however we must receive notice at West three business days in advance of the scheduled psyinerkl. You may notify us by phone at 14DD.947-2683 or by mad at the address listed in the previous paragraph. 6 your payments may vary in amount we will tell you on each monthly statement when your payment will be made and how muck it wig be. Your Automatic payment amount may be less then the indicated on the monthly statement based on credits or payments applied during the burg cycle. Crept Repor tg. We may report nfartnafon abaft you account to creme bureaus. Late payments. missed payments. or other defaults on your account may be reflected in your credit report. We normally repot the status and payment history of your Account to as& reporting agendes each month. 11 you believe that our report is inaccurate or incomplete, please wi teis at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CtW3ES. Periodic Fkmrxe Charges are imposed on all transactions from the date the transaction is posted to your Accountuntil the date. you pay your entire New Balance, by making payments or taceiukg credits. However. we will provide the following *grew period' If you paid the New Balance an your pervious tiding statement by th Payment Due Date shorn on that statement, end you pay the New Balance by the Payment Due Date on this statementwe will not impose Periodic Finance Chagas on new purchases, that is, purchases first appearing on this statement Otherwise, you will receive a bang statement next month that includes Pm* Frsvoe Charges on those new purccwses. There is no grace period on balance transfers or knish advances. We sat your transactions limo grails of purchases, cash advances, and balance transfers and then further sat the transactions witmn each group by their Annual Percentage Rate. For example puchases subject to a promotionat rate and purchases subjed to standard rate would be separate groups. We refs to these groups as transaction categories. At the end of each b6V period, we compute Periodic Finance Charges for each day of the Will period for each transaction category. We use the following equation to compute Periodic for each transaction category. Average Daly Balance x number of days in the billing period x Daly Periodic Rate. (See the finance charge summary on your statement for tress amounts.) Then we add up the Periodic Finance Charges for each transaction category to gat the total Periodic Finance Charges for your Account. The average Daly Balance is shown as zero it because ofthe gs-ace period n6-Periodic Fdarice CKsNEt apply to tWbata "in a tfif s8cbon category: - - - - - - - - - We use the Average Daily Baace finckding new trisections} method of cataiatkg the balance upon which we impose Periodic Finance Charges. We compute theAverege Daly Balance foreach kansactiorn category by adding kip ai the daily bela ces in a Wig period for a.bansecton category and rl MuV th total by the number of days in the bdring cyde. We compute the daily balance for each transaction category on each day by fast adding the k wig to the previous clays deity balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued an that day. If a transaction is posted to your Account after the dose of the burg period in which 0 ocrxrrs, we will heat the transeckon as having occurred on the first day of the billing period in which it is posted to your Account. All fees charged to yaxAaowt 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 Chagas 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 Tansadion Fee Finance Chagas in the applicable bansacewn category unto the special rate would have expired, For TOO (Telecommunications Device for the Deal) assistance, call 1800.347.7449. Discover may monitor andkr record telephone crab between you and Discover representafves for quality assurance purposes The Discover* card is issued by Discover Bank, Member FDIC. OITBK107 New Balance Minimum Paymerrt Due DISCOVER $8,270.97 $8,270.97 Payment Due Date September 21, 2009 22 SDSNBA01 0023275 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Account Number ending in 7193 Enter Amount Enclosed Below $ C Go paperless and make your account Information more secure with password- protected statements only you can access. learn more at discover cornlpaperless. PC BOX 6103 IIIr,rllun1 1rlr,Irlrlln CAROL STREAM IL 60197-6103 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. 000001986618070722207082709700000000827097 ----- -------- -------------- --------------------------------------------- --- Discover More Card Account Summary -------- ------------- Closing Date! August 22, 2009 page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date September 21, 2009 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $8,270.97 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0100 Gashback8onuA Anniversary--- -- - ---------------------------- -- - ---- --- ------ - -----... -. Month: August 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 Discovercom to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2. Call 1-8MDISCOVER (347.2683) for fast, easy s4service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES _ CHARGES CHARGES current billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Mformaticn. If them is mom than one page to be billing stetemerrsee the beck of each page for additional important information. Sea your Cardmer"Agreement Your Ctudmember agreemerd ooiMaiis all tietemps of your Account. Lost or stolen cards. Report immediately! Cal I-IM347.2663. 8111iog Rights Summery. M Cased Enrols or QuesbonsAbout Yohr BR if you think your bit is wrong, or d you need more information about a transaction on your bill, write us on a separate sheetof paper at Discover, PO So 30421, Sak Lake City, UT 84130.0421, as soon as possible. We must hear from you no Wer than 60 days after we sent you tie fast bill on which the am or problem appeared You can telephone us, but doing so will not preserve your rights. In you later, give us the following information: Your name and Account number The dollar amount of the suspected error Describe to eror and explain, d you can, why you believe there isan error. k you need more information, desord a the Hem you are unsure about You do not have to tray any amount in question while we are invest gaing; but you am sill obligated to pay tie pads of your big that are not in question. While we investigate your question, we cannot report you as delinquent or take any adorn to inked the amount you question. Special Rate For Credit Card Purchases: k'you have a problem with the quaky of goods or services that you purchased with a credit card and you have hied in good With to cones the problem with this merchant, you may not have to pay to rcmaineg amount due on the goods or services. You have this proterlion only when the purchase price was more tun $50 and the purchase was made in your home at* or within 100 miles ofyoor [makq address. (t we own or operate the merchant, or H we mailed you the adveriaement fur the good or services, at the purchase are covered regardless d lbe.amount or location of tie purchase.) Payments. Send only your paymfentand the top portion of the statement in the envelop provided. Do not send rash. By sending you check as described above: you authorize us to use irtotmatbn on your diedc to make and electronic fund transfer from your account at the financial insltuion indicated on your check or to process the payment as a check transaction. If this payment is processed as an electronic kind transfer, thetmn*r will be for the amount of the check. When we use i fomatim from your check to make an electronic fiend transfer, funds may be withdrawn from you account as soon as the same day we receive your payment, and you will not recEwe your check back from your financial institution. Theprooess,ng.d)-r payment maybe delayeddyousend casb-comispondence orntmcisemswith.yourpaym t,ityousendthepaymenUOanyo1heraddrflesic+fypuuspafi, . envelope other than the one provided. Payments received in properfomh 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 fadity after 5PM kcal tine will be credited to yourAcoount as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197-603. Please allow 7-10 days for delivery. If 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. Cal us at 1 A00-3472683. You will need this statement and your bank account information. You must ensure to sufficient kinds are avolobts in your bank oocamt, and all transe curs 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 you bank to deduct each payment youaulha¢e from your bank awmK and to ihHiate.debd or credit entries b your bank account as applicable, to cared eaw in the processing of such payment You must fall us the aooni t 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 paymaK however we must receive notice at feast three business days in advance of the scheduled payment. You may notty us by phone at 1-000-347 683 or by mail at the address Paled in the previous paragraph. B your payments may vary in amount vie will tell you on each monthly statement when you payment will be made and how much it will be. Your Automaicparriend amount may be less then the indicated on the monthly statement based on credits or payments applied during the biting cycle. Credit Reporting. We may repoin information about your account b aedit bureaus. Lale payments, missed payments, or other defaults on you account may be reflected in your credit report We noranaNy report the status and payment history of your Account to credit reporting agencies each mirth. 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 CHAGES. Periodic France Charges are imposed on all transactions from to data the transaction is posted to your Amount ufil the date you pay your entire New Balance, by making payments or receiving credits. However; we will provide the following 'grace period' If you paid the New Balance on your pervious billing statement by tie Payment Due Date shown on that statement and you pay the New Balance by.the Payment Due Date on this statement we will rat impose Periodic Finance Charges on new puncfmses, that is, purchases till appearing on this statement Otherwise, you will receive a billing statement red month that incoWdes Periodic Finance Charges on those new purchases. Time is no grace period on balance hanslors or cash advances, We sort your trimsecim into groups of purchases, cash advances, and balance transfers and then bather sort the transactions within each group by"Annual Percentage Rate, For example purchases subject to a promotional rate and purchases subject to standard tale would be separate groups. We refer to these groups as transaction categories. At the end of each billing 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 the biding period x Daily Periodic Rate. (Sea tie finance charge summery on your statement for these argoAts) Then »e add up Om Paoiorlc Finance Charges for each transaction category to 1 the in a total raPerionsaddicicn Finance 0harges for your Account. The average Daily Balance is gr petal ,no P rurhce apply to category. shown as zero d, because of the ace - - - - - - - - t We use the Average Daly Balmos (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a biting period fora transaction category and dividing the btal by the number of days.kh the biting cycle. We compute the daily balance for each transaction category on each day by fast adding the following to the previous days daily be*=, transactions made that day, fees forged pmt day and Periodic Finance Charges accred on that day. If a tra>bacio n is posted to your Amount after the close of the baling period in which H occurs; we will treat tie transaction as having occurred on the first day of the billing period in which it is posted to yourAccamt M fees charged to yaw Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the aptrpcsMe cash advance transacian category and Balance Transfer Transaction Fee Finance Charges which are added b 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 Fahanae Charges to it* standard purchase transaction category: However, if the special rate has been lemihated cadet the OefaWt Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in tie applicable transaction category unit to special rate would have expired For TOO (Teleeommunkatons Device for the Dees) assistance, call 1.800.347-7449. Discover may monitor andfor record telephone cells between you and Discover representatives kx quality assurance purposes The Discover card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER New Balance Minimum Payment Due $8,270.97 $8,270.97 ?II Payment Due Date October 21, 20139 22 SDSN6A010023276 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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. Account Number ending in 7193 Enter Amount Enclosed Below Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.conVpaperless. PO BOX 6103 1I{11slluu,l,lnl1111{111 CAROL STREAM IL 60197-6103 000001986618070722207082709700000000827097 ------- --------------------------- -------------------------------------------- Discover More Card Account Summary ----------------------- Closing Date: September 22, 2009 page 1 of 1 iAccount number ending in 7193 Previous Balance $8,270.97 Payment Due Date October 21, 2009 Payments And Credits 0.00 Minimum Payment Due 270.97 $8 Purchases + 0.00 Credit limit , 800.00 $5 Cash Advances + 0.00 Credit Available , $0.00 Balance Transfers + 0.00 Kash Credit Limit $0.00 Fe,ance Charges + 0.00 Cash Credit Available $0.00 New Balance = $8,270.97 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 CashbackBonuvaAnniversary -------------------------- -------------------------------------- ------------ Month: August 1. Visit Discover.com to pay your 691 for no cost, view our How Can We Help You7 latest Account information, sum 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 hove your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for heating impaired) see reverse side Salt Lake City, UT 84130 'Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES- ,current billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 'Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed {F) or they may vary (V) as noted above Important Information. If there is more than one pegs to this billing statement, see the bade of each page for additional important information. p See your Cardmember Agreement Your Cardmember agreement contains all the terms of your Amount m Lost or stolen cards. Report kinnoWlely! Cat 1$04347.2683. j Billing Rights Summary. In Case of Errors or Questions About Your W. If you firm your bill is wrong, or it you need more information about a transaction on your bit, write us on a ' $ separate sheet of paper at Discover, PO Box 30421, Sall Lake City; UT 841304421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which On error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • You tams andAccont msnber N • The dollar amount of the suspected error w Describe the error and explain, d you can, why you beleve there is an error. t you need more information, desabe the item you are unsure about. You do not have to pay any amount in question while we are inyestigdug, but you are still obligated b pay the parts of your bit that am rot in question. While we investigate your question, we cannot report you as delinquent or take arty action to oolled the amount you question. Special Rate for Credit Card Purchases; if you have a problem with the quality dgoods or services that you purchased witra credit card and you have tried in good tab to coned the problem with the merchant, you may rot have to pay the remaining amount die on the goods or services. You have Ilss protection only when the purchase price was more than $50 and the purchase was trade in your home slate or within 100 miles of your malft address. (If we own or operate the merdhant, or d we mailed you ft advertisement for the good or services, at the prrcase are covered regardless of the smountor location of the purchase.) Payments. Send only your payment and the top portico of the statement in the envelop provided. Do not send cash. By sending you check as described above, you audorize us to use information on your check to make and electronic Mil transfer from you amount at the financial nsrdufion indicated on your check or to Recess the payment as a check transaction. It the payment is processed as an elearonic fund transfer, the transfer wR be for to amount of the knack. Mien we use information from you died to make an electronic fund transfer, hinds may be withdrawn from your secant as soon as the same day we receive you payment, and you will rot receive you check beck from you financial institution. Theprocessingof Your paymeramaybe delayed f you send_cesh, correspondmoe a etlrer items witli yokrpaf!, if you send the Payment to any other address or it you use an envelope other then the one provided. Payments received in proper farm at our processing facoy by 5PM local time on any day wilt be credited to ywuAcoourt as of that day. - - - Payments received at our processing fscMy after 5PM local time wR be credited to your Accout as of the next day If you have iced your emvefaps, send Your payment to Discover, PO Box 6103, Cord Stream, IL 60197.6103. Please allow 7-10 days for delvery. If your payment is retuned 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 1-8043472663. You will need this statement and your book aona information. You must ensure that sufficient funds ere available in your bank account, and all transactions, trust comply with U.S. law. You will be asked to provide the fast 5 digits of you account statement ZIP code. By entering these numbers as your electronic signature, you veil be agreeing to this authorization to allow us and you bank to deduct each payment you sulthorize, from your bank amount. and to initiate debil or credit entries to your bard amount, as apple". to correct error in On processing of such payment You must den us to amount death 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 taesttres business days in advance of the scheduled payment You may no* us by phione, at 1.800.34744 or by mail el the address listed in time previous paragraph. If your payments may vary in amount %s will let you on each monthly statement when your payment wit be made and haw much it will be. YmAutomatic payment amount may be less than to indicated on the monthly statement based on creeks or payments applied dung the billing cycle. Croft Repotting. We may report information about your seem* to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report We nonnely report the stabrs and payment history of your Amount to crack reporting agencies each math. N you believe that our report is inaccurate or incomplete, please write us at the Iolowirg address: Discover; PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number and Account ranter. PERIODIC FAIANCE CHAGES. Periodic Finance Cherges are imposed on al transactions from the. date the transaction is posted to your Amount until the date you pay your enure New Balance. by maidg payments or receiving credits.. However, we win provide the idbwing'grace period' If you paid the New Balance on your pervious biakg statement by the Payment One Date shown on Nett statement, and you pay the New Balaroe by the Payment Due Date on this statement we will not impose periodic Finance Charges on new purdooses, that is, purchases first appearing on this statement. Odtehwise, you will receive a billing statement next month that inckides Periodic Finance Charges on Norse new purchases. There is no grace period on balance hamsters or cash advances. We sort your rasedars into groups of purchases, cash advances. and balance transfers and hem bother sat the transactions wits each group by their Annual Percentage Rate. For example purchases m*d to a promotional rate and purchases subject to standard rate would be separate groups. We rotor to these groups as transaction categories. At the end of each bbq period. we compute Periodic finance Charges for each day of to bitting period for each transaction category. We use the following equation to oompute Periodic for sech transaction caegoryt Average Daily Balance x number of days in the billing period x Daly Periodic Rea. (See to finance charge summary on your statement for these amounts.) Then we add up the Periodc Finance Charges for each transaction category to get the total Periodic Finance Charges for your Aocounl. The average daily Balance is shown as zero it beua w of tie grace period, noPeriodic Finance Changes apply to the balance in a transaktoh category. We use the Average Dady Balance (including new transactions) rratlrod of caicrtatkhg the balance upon which we krpose Periodic Finance Charges YYe canpuoe the Average Daly Balance for each transaction category by adding up at it* daily balances in a biting period for a transaction category and dvidmg 0* total by the number of days in the biting cycle. . We compnde ere daily balance for each transaction category on each day by list adding tie Merv og to to previous days daily balance, transactions made that day, fees charged that day and Periodic Frame Charges accrued on tat day, t a transaction is posted to your Account after the dose of the billing period in which 0 occurs, we win treat the transaction as haft owned on the latdayof do bilr% period in which it is posted to your Amount. All fees charged to your Account we added to tie standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to to applicable ash advance transaction category and Balance Transfer Transaction Fee Frame Charges which are added to the applicable balance transfer transaction calegory: When the special rote expires. we move the unpaid balance of the balance ransia and the Balance Transfer Transaction Fee Finance Charges to time standard purchase transaction category. However. if Ina special rate has been atminaled under the Oebut Rate Pan, we leave to unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges in the applicable transaction cow" unlit the special rate would have expired. For TDD (Tekcommunscations Device for the Oeaf) assistance, call 1400.347.7149. Drover may mghilor ardlor record telephone calls between you and discover representatives for quality assurance purposes The Disemver® card is issued by Discover Bank, Member FDIC. OlTBK107 i DISCOVER New Balance ff$8,270 nimum Payment Due Account Number ending in 7193 $8,270.97 .9 7 Enter Amount Enclosed Below Payment Due Dote November 21, 2009 22 SDSNBA010023277 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercortUpaperless. Irlnl,Irllu PO BOX 6103 111 11 CAROL STREAM IL 60197-6103 Address, e•mailortelephone change? Print change inspace Irllirllirrrrrlllrlirlrirlillrrrirllllrrrirllrl{rrrrillrfill 11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618070722207082709700000000827097 Discover More Card Account Summary Closing Date: October 22, 2009 page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date November 21, 2009 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = $8,270.97 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Eonuse Anniversary- Month: August Help You? 1. Visit Discovercom to pay your bill for no cost, view our latest Account information, earn and redeem rewards and HOW Can We He more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy sell service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Finance Charge Summary Nominal Transaction l ANNUAL ANNUAL Periodic fee Daily Pe i odic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES _ CHARGES CHARGES current billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above rInformation. If there is more than one page to this berg statement, see the bed of each page for additional important information. rn o Sea your Cardmember Agreement Your Cardmrember agreement contains all the terms of yourAccouct. ca, rn Lost or stolen cards. Report immedisletyl CA 1.800-347-2683. Biting Ruts Summary : In Case of Errors or OuestiosAbout.Yo ur Bill: If you think your bill is or if you need more information about a transaction on your bill, write its on a separate sheet of paper at Dscowx PO Box 30421 as soon as?le Salo Lake City UT 84130.0421 We must beer from you no fern then 60 days after we sent you the first bill o0 , , , , . on which ft war or problem appeared. You can telephone us, but doing so wii not {reserve yourights. In yourtater, givens ter following inlamaiar: Your ramie and Account number The dollar amount of to suspected error Describe the. am and explain, If you can, why you believe there is an error. If you need more information, describe die item you are unsure about. You do not have to pay any amount in question while we are investigating, bit you are still obligated to pay the pmts of your burl tat are not in question. While we invesligate your question, we cannot report you as delinquent or lake any action to collect the amount you question. Special Rata for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit cord and you have find in good faith to correct the problem wih 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 Van $50 and #a purchase was rrede in your More slate or within 100 miles of your mailing address. Of we own or operate the merchant, or t we nailed you the adverdeemat farther good or services, ail the purchase are loused regardless of the amount orlocaem of the purdutse.) Payments. Sand orgy your payment and the top patiam of the statement in the emebp provided. Do not send cash. By sending yourdreck as described above, you autam us to use information on your check to make and *soft* find trensfer from your account at the financial institution indicated on your deck or to process the payment as a dodo transaction. If (he payment is processed as an electronic fund transfer. the tansfer will be for the amount of tae c edit, W han we use information from you check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive yaw payment, and you will not receive your clack back from you financial institution. The prooessngAyourpeyment.meybe delayed i .you send cash, yktrt@$pamde[ftaor other-itemiwit h your payment, hbyou send llta paymw.jQ any, VMrlmftw elrfyou use an . - - envelcme 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 tat day. Payments received A our processing mac a after 5PM local time will be credited to your Am" as of the next day. 9 you have misplaced you envelope, send you payment to M Disc", PO Box 6103, Card Stream, 6 197.6103. Please allow 7-10 days for defivery. If your payment is returnedunpaxi, we reserve the right to resubmit R as an electronic debit. You can pay your minimum payment or a greater amount over it* telephone, and you can set up automatic payments. Call us at 140,U72683. You will reed this statement and your bank account itmnatlon. You must ensure that sufficient funds am available in your bank account, and all traseciaa must comply with U.S. law. You will be asked to provide ere fast 5 digits of you account statement ZIP Code. By entering those numbers as your electronic sign alure, you will be agreeing to tss authorization to allow us and you bank to deduct each payment you aulhaize from your bank account, and o initiate debit or credit entries to you bank account, as applicable, to correct error in the processing of such payment. You mast tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance an each statement. You can cancel e payment however we must receive notice at lout three business days in advance of the scheduled payment You may notify rte by phone at 1400,947.2883 at by mail at the address listed in to previous paragraph. If your payments may very in wail twewil tee you on each monthly statement when your payment will be made and how much ftwill be. You Automatic payment amount may be less &an the indicated on the monthly statement based on credits or payments applied during the biting cycle. Credft Reporting. We may repod informaton about your account to credittxuieaus. Late payments, missed payments, or other defaults on you account may be reflected in your credit report. We normally report the stat=799 istory of you Account to credit reporting agencies won month. If you believe tat our report is inaccurate or incomplete, please vaite us at the following address: 15316, Wilmington, DE 198505316. Please include your name, address, two telephone mPnber and Amount number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are "posed on all transactions from the date the transaction is posted to yourAccount until to date ,you pay your entire New Balance, by making payments or receiving credits. However, we will provide the f ollawing'grece period• It you paid the New Balance an your pervious billing sierement by the Payment Due Date shown on diet stataneM, and you pay to New Balance by.t the Payment Due Date on this argument we will not impose Periodic Finance Charges on row purchases, that is, purchases fast appearing on this statement Otherwise, you will receive a billing statement next moth that includes Periodic Fnence.CheMes on those new purchases. There is no grace period on balance transfers or cash advances. We sod your transactions into groups of purchases. cash advances, and balance trersfers and ton further sat the transactions witlvn each group by lh&Annual Percentage Rate For oxen* Purchases subjsd to a promotional rate and purchases suhjed 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 lading period for each transaction category. We use to following equation In, compute Periodic for each transaction ca"ory. Average Daily Balance x number of days in the biemg period x Daily Periodic Rate. (See the finance charge summary on your statement for these ammnts j Then we add up the Periodic Fine= Charges fareach transaction category to get the oil Periodic France Charges for your Amount. The average Daily 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 to Average Daily Balance (including new transactions) method of calmistirg the balance upon which we impose Periodic Fiance Chararges We oarhyru4lhre Average Daily Balance for each transactor category by adding up all da daily balances in a biting period for a iasaction as" and dividing the tow by the member of days in ft bang cycle. We compute to daily balance for each transaction category on each day by fist adding t* foiowing to the previous days daily balance, transactions me& that day, feesc arged that day and Periodic Finance Charges accrued on that day. If a transaction is posted to your Account after the dose of the billing period in AM it omrs, we will trot the transaction as having ocowed on the fist day of the brig period in which it is posted to your Account. An fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Trensaxyon Fee Finance Charges 'which are added to the appikable cash advance kasacim category and Balance Transfer Transaction Fee Finance Charges which are added o the applicable balance transfer transaction category. Wherr#a special role expires, we move the unpaid balance of the balance banslef and the Balance Transfer Transaction Fee Finance Charges so shesfanfad pirdase tramsadiax rategay: Hovrever, if to special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of to balance trasfor and the Balance Transfer Transaction Fee Finance Charges in to applicable transaction category until the special rate would have expired. For TDD (relecommunitatons Device for the Deal) assistance, tall 1.804347-7469. Discover may monitor and/or record tetephora dabs between you and Discover representatives for quality assurance purposes The Dismver° cad is issued by Discover Bank, Member FDIC. O1TOK107 um Payment Due] New Balance E$8,270.97 DISCOVER $8,270.97 Payment Due Date December 21, 2009 22 SDSNBA01 0023278 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Address, email or telephone changei2 Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Account Number ending in 7193 Enter Amount Enclosed Below Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover comfpaperiess. PO BOX 6103«sstllsr?sslslsslslslls?l CAROL STREAM IL 60197-6103 000001986618070722207082709700000000827097 'Discover More Card Account Summary Closing Date: November 22, 2009 Page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date December 21, 2009 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance = 8,270.97 Cashback BonUse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 CashbackBonuse.Anniversary -------- ------------- ---- .----------- ...--------------------------- Month: August 1. Visit Discover.com to Pay your bit for no cost, view our 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 Finance Charge Summary Nominal Transaction Average P i ANNUAL ANNUAL Periodic Fee Daily odic er PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 :Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 .The rotes that apply to your Account are either fixed (F) or they may vary (V) as noted above ------------ ------------------------ Important Information. Ifthere is more than one page to this biding statement, see the back of each page for additional important information. CO See your CardmemberAgreement Your Cardmemberagreemenloodains al the terms of your Axcunt Z m Lost of dolen cards. Report immedialery! Cal 1600.347-2683. o Biding Rights Summray.In Case of Errors or Questions About You I if you think your bid is wrong, or if you read mom information abbot a transaction on you bill, write us on a o separate sheet of paper at Discover, PO Box 30421, Satz Lake Cat UT 8413Q-0421. as soon as possible. We must hear from you no later It= 60 days after we sent you the first bill an which fire error or problem appeared. You can telephone us, but doing so wit not preserve you rights. In your letter, give us the following idomnation: You name, anclAcccunt number The dollar amount of to srepeded east + Describe the error and explain, i you can, why you believe there is an am. If you need more information, describe the htern you are unsure about. You do not hews to pay any arnounl in question while we are Investigadrg, bid you are all obligated to pay the parts of you bill that are not in question. While we irwastigate you question, we cannot report you as delnquent or lake any action to coolest the Mom you question. Special Rate for Credt Card Purehnsm 9 you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good tsidh to carted the problem with the merchant, you may not have to pay the rernainkg amount due on the goods or services. You have On protection only when the purchase price was more than $50 and the we ase was made in you lame state or witvh 100 miles of your mating address. (If we own or operate the merchant or t we mailed you the advertisement for the good or services, al the purchase are covered regardless of to amount or location of the purchase.) Payments. Send only your payment and the top portion of the st iernerml in the envelop provided Do not send cash. By sending your check as described above, you our orme us io tee i formatim on yaudmedd to make and electronic fund transfer from your account at the Mancal irmlihxiorh indicated on your check or to process the payment as a check bansastah. If the payment is processed as an elecbatic rend transfer, go transfer will be for the amount of to door. When we use information from you check to make an electronic find transfer, fords may be withdrawn from your account as soon as the same day we receive you payment, and you well not receive your check back from your financial mstitt". ?t!BPfoo0%Iyour payment maybe data ed t you send cash, wrespondenoe or other Gene witWE payrhent, ff you send the payment to any other address or ifyou use an envelope other am the one provided. Payments roc in pr6Wklm et air V004siig k ilyby.oal tare on army hey w4Fbe crWi ed to youAccount is cif Its &f - - - - - - Payments received at our processing facility after 5PM local tmme wit be credited to your Account as of to next day. If you have misplaced you envelope. send you payment to Discover, PO Box 6103, Gard Stream, K. 601976103. Please allow 7-10 days for delivery. t you payment is retuned unpaid, we reserve the right to resubmit it as an electronic clabit. You can pay your minimum payment or a greateramouht over the telephone, and you can set up automatic payments. Cad us at 1600-472683. You will rued this statement and you bank account information. You must ensure that YA*nl fads are available in your bank account, and ad transactions must comply with U.S. law. You wig be asked to provide the firm 5dgits 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 batik account, and to iodate debit or credit entries to your book account, as applicable, io correct error in the processing of such payment. You must lel 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 restive rata at least tree bkaimess days in advance of the scheduled payment You may nobly us by phone at 1600-347-26M or by mail at the address listed n the previous paragraph. If your paymrb may vary in amount we wail het you on each monthly statement when you payment WE be made and taw much it mfl be. You Automatic payment amount may be less thea the indicated on the monthly statement based on credits or payments applied during the biting cycle. Credit Reporting. We may report nmfoarabm about your ac cufrnt to kreditbureaus, Late payments, missed payments, or other defaults on you account may be reflected in your credit report. We normally report to shine and pay?t hissx It you Account 10. Idreporting agencess each month you believe that our report is vesoc rate, or incomplete, please write us at The following address: Discover, PO Box.15316, Wilmington, DE 198546316. Please include your name, address, tome telephone rrumber anclAonount number. PERIODIC FINANCE CHAGES. Periodic finance Charges are imposed oral honsadions from the data the transaction is posted to your Account tnfil the date you hey your entire New Balance, by making payments or receiving credits. However, we will provide the following 'grace period' It you paid the New Balance on your pervious biding statement by the Payment Dui Data shown on that statement, and you pay the New Balance by the Payment Due Date on this statement we wig not impose Periodic Finance Charges on new purchases. that is. purchases last appearing on this stalemert Otherwise, you will receive a hiding statement next month that itdudes Periodic Finance Charges on those now purchases.. There is to grace period an balance transfers or cash advances. We sort your tnansedaons into groups of purchases, cash advances, sod balance kansters and than further sat the transactions within each group by their Annual Percentage Rate. For example purchases subject b a p ornicho al tate and pxrdeses subject to stardaN rate world be separate groups. We refer to these grouts as transaction categories. At the end of each h ill"penod, we compute Periodic France Charges for each day of the bi i ng period for each transaction category We use the fdbwirg equation to compute Periodic for each transaction caleM Average Daily Balance x nrrdw of days in die Ming period x Daly Periodic Rate. (See the finance charge summary on your statement for these amounts.) Then we add up to Periodic Fiance Charges for each transaction category to get the total Periodic Finance Charges (or your Account. The average Defy Balance's slaivfi as zeast; beCaidleaf tfe?y8hce-period, ttdPdtfo? Finerka t7argas applyb ttebakmea m-ataksactim-category. - - - - - - - - - - - - - - . _ _ - - We use the Average Daily Balance (including new transedfons) method of calculating to balance upon which we impose periodic Finance Charges. We compute the Average Daily Bel nce for each transaction category by adding up ad the daily balances in a biding period for a transaction category and divicing the total . by the number of days in de bung cycle. We owpile to daily balance for each transaction category on each day by first adding the fotoxdag to the previous days daily balance, transactions made that day, fees charged that day and Periodic Finance Charges ec rued on that day. 9a transaction is posted to you Account after the dose of the biing period in which it occurs, we wil heat the transaction as having occurred on the lost day of the billing pe iod in %twh it is posted to your Account At tees charged to yourAoeohat are added to the sterWarci purchase transactiorh category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction cetsgoryaW Balanhce Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When to special rate expires, we maws the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance (charges to the standard pirdase transaction category. However, if to spedel rate has been kmdnated under the Default Rate PIW 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 the Deal) assistance, call 1.800.347.7449. Discover may marilor and br record telephone Gals between you and Discover representatives for quality assurance purposes The Dscover®card is issued by Discover Bank; Member FDIC OlTBK107 New Balance Minimum Payment Due Account Number ending in 7193 DISCOVER $8,270.97 $8,270.97 Enter Amount Enclosed Below Payment Due Date $ C January 21, 2010 22 SDSN6A01 0023279 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercorrdpaperless. PO BOX 6103 Illmllumlrlnlrlrllul CAROL STREAM IL 60197-6103 Address, e-mail ortelephone change? Print change inspace above, or go to Discover.com. Print your e-mail address to IrlI till ii1ii1ll1ilulurlilli1n1lllliii111l11lri1rilli1lrill receive important Account information and special offers. 000001986618070722207082709700000000827097 -------------- -- --------------------------------------------- --- ---- --- Discover More Card Account Summary -- ----'?'--------- Closing Date: December 22, 2009 page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date January21, 2010 Payments And Credits 0.00 Minimum Payment Due $8,270.97 Purchases + 0.00 Credit Limit $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash Credit Available $0.00 New Balance $8,270.97 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance $ 0100 Cashbock.Bonus®. Anniversary- Month: August How Can We Help You? .It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 1. Visit Discover.com to pay your bill for no cost, view 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 of Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance s Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0-07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. If there is more flan one page to this bitting statement, see the back of each page for eddi ianal important information. v Cl) See your CardmemberAgreement Your Cardmember agreement tiontairs all the terms of your Account. z m Lost or stolen cards. Report i irnedistefy! Cal 1400347.2683. Ao Billing Rights Summery: In Case of Fuss or QuestionsAboutYou Bilk If yyoouu think your bill iswrong, err f you need more information about a transaction an your bill, write us on a seperaw sheet of paper at Disoover, PO Box 30421, $sit Lake City, LET 841 30.0421, a seen as possible. We mud hear from you no later than 60 days after we sent you the fast b6 $ on. which the error or problem appeared. You can telephone us, bnf doing so will not preserve your rights. In your letter, give us the following information: ro Your name and Account number 'o The dollar amount of the suspected error • Describe the eons and explain, it you can, why you believe there is en error. If you need more information, describe the kern you are unsrae about. You do not have to pay any amount in question while we are awestigaing, but you are AN oblgaied to pay the parts of your bill that are not in question, Whle we investigate your question, we carvatreport you as detinquenl or take any action to oolled to amount you question. Special Rate for Cradl[ Cod Purchases: R you have 'a problem with the geeGty of goods or services that you Purchased with a aedd card and you have tried in good faith to correct %a problem with the merchant, you may rat have to pay the remaining amount due an Me goods or services. You have this protection only when the purchase pace was more than $50 and the purchase was made in your home state or within 100 roles at your mailing address. (li we own or operate the merchant, or if we mailed you the advertisement for the good or services, al the pud lam are covered regardless of the amount or kxstion of the purchase.) Payments. Send only your payment and the top portion of the statement in to envelop provided. Do not send cash. By sending your deck as described above, you authorize ors to use information on your check to make and electron; fund bansbr from your account at the fnermial institution kdicated on your deck or to process the payment as a check transaction. If the payment is processed xas,?a.?n.E?IbCi0nic fund t>tnsfer, the transfer will be for the amount of the dtedc. When we use itfamalan from your deaf to make an electronic fund transfer, hinds may be wit drawn from your accent as soon as the some day we ream your payment, and you will not receive your check back from your financial 4vitaution. The processugpf ylwrpayment maybe d ifypu sent! 41 h _ca! RSRofd?rrce or other itaghs widhyour te payrhnt,A you sendilhepayment k any opnwaddressa ifyou use an_ _ envelope other than the one prodded. Payments received in proper form aim processing fadHy by 5PM 1=1 tole on any day Q be credited to yo rAacou nt as of tat day. Payments received at our processing faihty alter 5PM heal ease will be credited to yourAcooum as of the next day. If you have misplaced yourenvelope, send your payment to Discover, PO Boot 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 or a greater amount over the telephone and you can set up automatic payments. Cal us at 1-800,3472663. You wig need this statement and your bank account information. You must ensure that suRiaem Gads are available in your bank account, and at transactions must comply with U.S. taw. You will be asked to provide the fast 5 digits of you accood statement ZIP Code. By entering those numbers as your electronic signature you will be agreeing to We authorization to alai us and your bank to deduct each payment youauthorize from your bank aawM, and to initiate debit or credit entries to your bank eoceunt as applicable, to correct error in the processing of such payment You mud tefl us the amount of each payment or you can select an amount such as Mininm Payment Due or If e New Balance on each slalenant You can cancel a payment, however we mud receive notice at best three business days in advance of the scheduled payment You may notify us by phone at Ia"7. %M or by mad at the address tided n the previous paragraph. It your payments may very in amount we will tal you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less then the indicated on to mernflhly uatmnent based an. credits or paymous applied dung to biEng cyde. Credit Report mg. We may report Worm abon about you account to credit bureaus. Late payments, missed payments, or other defautd on your account may be reflected in your ceck report. We normally report the stabs and payment hWMof you Account to credit reporting agencies each month. If you believe that our report is inacarate or incomplete, please write us at the Wowing address: Discover, PO Box 15316, Mm ingto n, DE 198503318. Please induce you name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date 111he transaction is posted to your Account until the date you pay your entire New Balsnos, by making payments or recowiup credits. However, we will provide Ow following 'grace period if you paid to New Balance on your pervious tiling statement by the Payment Due Date shown on that statsment, and you pay the New Balance by the Payment Due Dab on this statement we roil 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 transkrs or cash advances. We sat your transactions into grails of purcleses, cash advances, and balance transfers aid ten krflerso t the trahsedions within each group by their Annual Percentage Rale. For example purchases eal>jBd to a promotional rate and purchases su*d to standard rate would be separate groups. We refer to these groups as bansectiam categories. At the end of each billing period, we compute Periodic Fmsnce Owites for each day of the hiring period for each transaction category We use the blowing equation to compute Periodic for each transaction category Average Daiby Balance x number of days m the biiug period x Daily Periodic Rate. (See the finance charge summary on your statement far these amounts:) Then we add up the Periodic Finance Charges for each transaction category to get the total Pe Taft Finance Charges for you AccamL The average Daily Balance is shown as Fero d,3acause of the grace pared; & Pertodafman Chiitgas apply fo the fialence in a tiarssctbh eetegoly.- - -• - -- - - We use theAverage Daily Balance ti cludig new trahsectim) melted of catoulaing the balance upon which we irgwse Periodic France 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 bl d by the nurber of days in this billing cycle. We compute the daily balance for each transaction category on each day by irat adding to Wowsg to the previous day's daily balance, transactions made chat day, fees charged that day and Periodic France Charges accrued on ems day. V a transaction is posted to your Account after the dose of the bfliil period in which it occurs, we will treat the transaction as having occurred on the first day of the billitg period in which it is posted to your Account. Al fees charged to your Account are added to to standard purchase transaction category with The exception of Cash Advance Transaction Fee Finance Charges which acs added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges Mich are added to the applicable balance transfer transaction category . Mw the special rate expires, we move the unpaid belaree of the balance transfer and the Balance Transfer Transaction Fee Finance Charges b the standard purchase transaction category. However, A the special iota has been terminated under the Delouh Rate Plan. we Ism 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 the Deaf) assistance, call t-800.307-7469. Discover may monitor ancitt record tetepdrone calls between you and Discover representatives for quality assurance purposes The Disc rver° card is issued by Discover Batik, Member FDIC. C1TBR107 New Balance Minimum Payment Due DISCOVER $8,270.97 $8,270.97 Payment Due Date February 21, 2010 22 SDSN6A010023280 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 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 olfers. Account Number ending in 7193 Enter Amount Enclosed Below $? J Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.conVpaperless. PO BOX 6103 IIInr{I„n,{,{n{,hlln{ CAROL STREAM IL 60197-6103 11111111111111111111$111141 11111 00000198L618070722207082709700000000827097 - ------------- ------------- ----------- - ------------- ------ ------ Discover More Card Account Summary Closing Date: January 22, 2010 page 1 of 1 Account number ending in 7193 Previous Balance $8,270.97 Payment Due Date February 21, 2010 Payments And Credits 0.00 Minimum Payment Due 270.97 $8 Purchases + 0.00 Credit Limit , $5,800.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $0.00 Finance Charges + 0.00 Cash credit Available $0.00 Now Balance $8,270.97 Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 CashbackHmws9- Anniversary------------ ------------------------------------- ------------ _ -- --------- Month: August How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 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, LIT 84130 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% F 28.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. important idortnaton. If there is morn Clan one page b this butt rhg statement seethe back of each page for additional important iniormaticn. Q See your Cardtrrember Agreement. Your Cardmatnber agreement conteins at the terms of your Account co m Lost or riofetrcards. Report immediately! Cal 1-W347-2683. o Billing Rights Swnmxy In Case of Emors or OuestiaaAboul Your Bit: N,you think your bhp is wrong, or 0you need more irdormafion about a transaction on your bill, write us on a o separate sheet of paper at Discover, PO Box 30421. Salt Lake C"dy LIT 841304421, as soon as possible. We must hear him you no later than 60 days after we sent you the first bit on which this error or problem appeared. You can telephone us. but doing so will not preserve your rots. In your letter, give us the following inform don: N Your new arid Account number f e o ? cted emor The dolly amouud o the susp Describe The error and explain, if you can, why you believe there is en saw. N you need more hfortmallion, describe the item you are unsure about. c You do not have to pay any amaut in question while we are Investigating, but you are still obligated to pay the pals of your bit that are not in question. While we investigate your question, we cannot report you as deirrrprerd or take arty action to coined to amount you question. Special Rate for C" Card Purchases: If you have a problem with the quality of goods or services that you purdisaind with a credil cad and you have tried in good faith to correct the problem with the merchant, you may not have to pay the name" amount due on the goods or services. You have this protection only who the purchase price was more then $50 end tie purchesswas made in you home state or within 100 miles of your mailing address. (t we own or operate the merdhant, ail we mailed you the advertisement fa the good or servioes, all the purchase are covered regardless of the amount orbcafion of lire purchase.) Payments. Send only your payment and the top porim of the statement in the envelop provided. Do not serhd cash. By sending your check as described above, you authorize us to use m ormation on your die& to matte and electronic kind transfer from yaw aoooum at the financial insutufon indicated on your check or to process the payment as a check easection. If the payment is processed as an electronic kid Marhsfer, the transfer will be for the an ourit of the check. When we use information torn 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 institution. Theprocess rgo><your paymerd mayhe delayed I send cash?mnespondenr or other, tams with your _ nt if you nerd the payment to any other address or il you use an envelope other than the one provided. Payments received in propelform it our pocessmg tictrly by 5Ftkf b time on any iley W1 be cedled fo youiA&6was o1 that day. Payments received at our processing facility after 5PM local time will be credited to yourAcornl as of the next day N 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. N you payment'is relurad unpaid, we reserve the tight to resubmit it as an electronic debit. You can pay your minnxan payment or a greater amount over, lire telephone, and you can set up automatic payments. Calms at 1-8W-U72683. You wtl need this statement and you bank accent information. You mast ensure tot willdenl funds are available in your bank account and at transecto s must comply with U.S. law. You will be caked to provide the first 5 digits of you accoud statement ZIP code. By entering those numbers as your elecaoic.signedae, you will be agreeing to this authorization to allow us and you bank to deduct each payment you authorize from you be* account, and to initiate debd or as* entries to your bank accoud, as applicable, to coined error at 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 to New Balance on each statement You can cancel a payment however we must receive notice at feast twee business days in advance of the scheduled payment. You may notify us by phone al 1.800347-2683 or by mad at the address listed in the previous paragraph. If you payments may vary in amount we will tell you on each mrotdy statement when your payment will be made and how much it will be. Your Automatic payment amount may be less then the indicated on the monthly statement based on.aedils or payments applied dung the billing cycle. Cred9 Reporting. We may report i iohmation about you account b credit bureaus. Late payments, missed payments, or other defaults on you account may be reflected in you credit raport. We normally report the status and payment history of you Acc xint to credit reporting agerries each month. If you believe that our repo" inaccurate or incomplete, please write us at tie following address: iscoyer, PO Box 15316, Wk ingion, DE 198%816. Please Include your name, address, home Wephoons nurrher and Account number PERIODIC FINANCE CHAG ES. Periodic Finance Charges are imposed on at Irensacions fronh the date the transaction is posted to your AcooW uad the date you pay your entire New Balance, by mating payments or receiving craft. However, we will provide the following 'g sw period- If you pad the Now Balance on your pervious billing statement by the Payment Due Dena 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, padteses fast appearing on Ills statement Otherwise. you will receive a biting statement next moth that includes Periodic Finance Charges on terse row. purchases. There is no grace period on balance banters or cash advances. We sat your transactions rib groups of purchases, rash advances, and balance transfers and then further sot Ure transactions within each group by iheirAmm it Per=" Rate. For example purchases subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to toss groups as Irarsadion categories. At the end of each billing period, we eompule Periodic Finance Charges for each day of the bating period for each transaction category. We use rte btovng equation to compute Periodic for each transaction category Average Daily Balance x rermber of days in the Ting period x Daily Periodic Rate. (See the firsnhce dage summary on your 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, berause'of the grace period, no Periodic Fnance gorges apply to the balance in a transaction category. We use the Average Daily Balance (including new trarsadirs) method of calculating the balance upon wtich we mpose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the deity balances in a hiBng pedod for a transaction category and dividing the toted by the number of days in the tinting am. We oorrpute the daily balance for each transaction category on each day by first adding the Cowing to the previous days daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. N a transaction is posted to yourAecourrl after the dose of the biting period in which N occurs, we will heat the transaction as having occurred on the its( day of the billing period in which it is posted to y=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 to applicable balance transfer transaction category. When the special rate expires, we nave the wpaid balance of the balance truster and the Balance Transfer Transaction Fee Fnahc a Charges b the standard purchase transaction category However, Nthe special rate has been terminated ceder the Default Rate Flan. we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges m the applicable transaction category until are special rate would have expired- For TDD (telecommunications Device for the Deal) assistance, call 1.80111-347-7449. Discover may monitor and or record telephone calls between you and Discover representatives for quality assurance purposes The Diso m ens card is, issued by Discover Bank, Member FDIC. O1TBK107. New Balance Minimum Payment Due Account Number ending in 7193 DISCOVER $8,270.97 $8,270.97 Enter Amount Enclosed Below Payment Due Date March 21, 2010 22 SDSN6A01 00232Bi KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Go paperless and make your account information more secure with password- Protected statements only you can access. Learn more at discover.corrdpaperless. PO BOX 6103 11111111111111111 alai 111111 CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? lilt sillilrtill illI%J11rhtill rrrllllrrurllrllMill[ %iltill Go to www.Discover.com or print change in space above. 000001986618070722207082709700DOOD00827097 Opening Date: January 23, 2010 - Closing Date: Fabn Discover More Card Account Summary Account number ending in 7193 Previous Balance $8,270.97 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finarxe Charges + 0.00 Other Fees t + 0.00 New Balance 8,270.97 See Finance Charge Summary section foll owing transactions for detailed APR information Credit Line $5,800.00 Credit line.Available ---------------- --------- MOO- Cash Advance Credit Line $0.00 Cash Advance Credit Line Available $0.00 t See transaction detail for a description of any fees Coshbac c Bonuse Anniversary Month August Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Bolonce $ 0.00 To learn more, log in ai www.Discovor com and sela l Rewards lary 22, 2010 Pogo 1 of 1 Payment Information New Balance $8,270.97 Minimum Payment Due' $8,270.97 Payment Due Date March 21, 2010 'Includes past due amount of $4,510.00 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 $39.00. Manage Your Account Online at www.Discover.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money worth moresm-find easy ways to earn and redeem cash rewards ------------------ - - NEWI Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Cali 1.800-DISCOVER (1-800.347-2683) Please have your Discover* card available. 3. Write to us at Discover PO Box 30943, Soft Lake City, UT 841 ?10 For TDD {Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. ,Transactions Trans. Post Date Date Finance Charge Summary - - -- " .. ..... Nominal - -- ---- - CNlier- Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 31 days Balance Rates RATES RATES R ESG CHARGES Purchases $0 0.07942% 28.99% 28.99% $0 $0 Cash Advances $0 0.07942% 28.99% 28.99% $0 $0 -V - Variable Rate reverse side. R Important Irdormstion. If there is more tsn one page to ties biting statement, see the back of each page for additional important information. co See your Cardmanber Agreement Your Cardmember agreement contains all the terms of your Account co Lost or stolen cards. Report immadialeV. Cal 14"7--2663. j Billing Rights Summary. In Case d Err= or Questions About Your Bill: If you rink your big is wrong, or t you need more information about a transacfim on your big, write us on a o separate sheet of paper at Discover, PO Box 30421, Sag Lake City. UT 841340421, as soon as possible. We must beer from you no later than 60 days after we sent you the fast bill on which the enor.or problem appeered: You can telephone us, but doing so will not preserve your rights. In your tatter, give us the following information: W Your name and Account numbs The dollar amount of the suspected error x Describe the enor aril explain. tyou can, why you. believe there lean war. If you need more intonation, describe the item you are unsure abed. You do not have to pay any about in ques5m wtso we are mraetg0% bid you are still obligated to pay the parts of your hit that we not in question. Wile we investigate your question, we cannot report you as defmquert or take any action to collect the amount you question. Special Rate for Crete Card Purchases: t you have a problem with the quality of goods or services that you purchased with a credit card and you haw tried in good high to correct go problem with the merchant, you msy not have b pay to remaining amount due on the goods or services. You have this protection only when the purchase price was we than $50 and the purchase was made in your home stab or within 100 miles of your madmg address. (If we own or operate the merchant or Iwe mailed you the advertisement for the good orservioes, all the purchase are covered regardless of the-amount or location of the purchase.) Payments. Send oak your 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 you died b make and electronic lard transfer from your aeoountat the financial institution indicated on you check or to process the payment as a check transaction. 9 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 etectrmnlo fund transfer, funds may bewAhduwn from your account as soon as the same day we receive your payment, and you will not receive your check bade from your financial institution. Thepraoeasegof yswryeymafhUoaybadetay A-yw safd mb. ?r?RoPdflrhse or other. awnwitlhyour pflwtiett-d you send the payment to any other address yr'dXou use en - - - envelope otter than the are provided Payments received in proper form at our processing Lack by.5PM Weal time on any day will be credited to your Account as of that day. Payments received at our processing fatty after 5PM brat lane will be credded to your Account as of the next day. If you have misplaced your envalope, send your payment to i t it as an Discover, PO Box 6103, Cad Stream, t. 60197-6103. Please allow 7-10 days fa delivery. If your payment is returned unpaid, we reserve the right to resubm elearonic debt. You can pay your minimum payment or a greater amount over the lelephone,and you can set tip automatic payments. Cad us at 1-800-3472683. You will need this statement and you bank account adamufion. You must ensure ghat sudfi lent lends are available in your bank account, and all transactions must comply with U,S. law. You will be asked to provide the first 5 digts of you account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing b this authorization to slow us and your bank to deduot each payment you authorize from your bank account and to irritate debt or creditentries to your bank account, as app4c", to eonect arts in the processing of such payment You rust id us the amont of each payment, or you can seled an amount such as li miun Payment Due or the New Balance on each statement. You can cancel a payment,, however we rust receive notice at least three business days in advance of the scheduled payment. You tray notify us by phone at 11-810 117-2683 or by mail at it* address lsted in the previous paragraph. If your payments may vary in amount we will leg you on each monthly statement when your payment wild be made and taw much it will be Your Automatic payment amount may be less then dre indicated on fie 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 yam account Wray be reflected in your credit repot We normally report rue status and payment his of your Account to credit reporting agencies, each month. It you believe that our report is mocurete, or incomplete, pbaza write us at tike following address: Discover, PO Box 15316, WilmirgWn, DE 198545316. Pleases include your name, address, home telephone number surd Account number. PFat(ODIC FINANCE CHAGES. Periodic Fnancee Charges are imposed on ad transactions from the date the transaction is posted to your AccouN until the dale you pay your entire New Balance, by making payments or receiving credits. However, we will provide the following 'grace period' If you paid the New Balanoe on your pervious burg statement by the Payment Due Dale shom on that statement, and you pay the New Balsas by the Payment Due Dote on this statement we will not impose Period's Finance Charges on new purchases, that is, purchases first appearing on this statement Otherwise, you veil receive a biting statement next moth that includes Periodic Fnence.Chahges an terse new purchases. Thee is no grace period on balance traders or cash advances. We sat you transactions ado groups of purchases, cash advances, and balance trersfers.end then further sal the transactions within each group by their Annual Percentage Rate. For example purchases subged to a promotional rate and purchases subject to slekdad rate would be separate groups. We refer to these groups as transaclon categories. At the end leach bdag period we corrpule Periodic Finance Charges Wr each day of the biting period for each trassadion category We use the toloHng equation to oompute Periods for each transaction category. Average Daly Balance x number of days in the bang period x Daily Penodc Rata. (See dire fnerm charge summary on your statement. .for those amours.} Than we add up this Periodic Finance Chagas for each barrsaktion category to get the total Periodic Finance Charges for your Account. The average Daly Balance or : sh wn-af zero it.Uckisii of the grace paidd,-ho Periodic Fnlehde Charges apply to the balance in a tmnsaetiai category We use MAverage Daly Balance (kswding new treroactiorre} method of calculating the balance upon which we impose Periodic Finance Chagas. We.compute the Average Daily Balance for each transaction cal gory by adding up at the daily balances in a billing period for a transa Lion category and dividing the btal by the miner of days in the billing cycle. We compute the daily balance for each trarawbon category on each day by brat adding the following to the previous days daily balance, transactions made that day, fees charged that day and Periodic Faunte Charges accrued on that day, If a transaction is posted to your Account after the close of the biting period in which it occurs. we will treat the transaction as having occurred on t* lest day of the billing period in which 4 is posted to your Account. All fees charged b your Accout we added to the standard purchase transaction category with the exoeplion of Cash Advance Transaction Fee Finance Charges which are added no the applicable cash advance trausactien category and Betence, 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 tle balance transfer and it* Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, it the special rate has been terminated under the Default Rale Plan, we leave the unpaid balance of the balance trans* and the Balance Transfer Transaction Fee Finance Charges in the applicable aanseaiom category knit the special rate would haw expired. For TDD {Telecommunications Device for the Deaq assistance, call 1-800.347-7449. Discover may monibr actor record telephone cats between you and Discover representatives for quality assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. 01TBK107 New Balance Minimum Poyment Due Account NumbeT ending in 7193 DISCOVER $8,220.97 $5,787.00 Enter Amount Enclosed Below Payment Due Date $ October 21, 2010 22 SOSNeAO1 0023282 KIMMEL, JENNIFER A 1489 PEIFFERS LN HARRISBURG PA 17113-1018 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PO BOX 6103 IIIIIIIIIIn,IrIt IIII11rrl CAROL STREAM IL. 60197-6103 Address, e-mail or telephone change? IrIInlluuulllrlnlnrlrllnnrllllnurllrllnnrllnlnli Go to www.Discover.com or print change in space above. 000001986618070722207082209700050000578700 upentng gate: HugusT L3, Gv rv - %.tosmg vure: anpu r Discover More Card Account Summary Account number ending in 7193 Previous Balance $8,270.97 Payments And Credits 50.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 + Foes Charged 0.00 _ New Balance 8,220.97 See Interest Charge Calculation section follow ing transactions for detailed APR information Credit Line . $5,800.00 Credit Line-Available- - - - - - - - - - - - - - -- - - - - -$0.00 - Cash Advance Credit Line $2,946.00 Cosh Advance Credit Line Available $0.00 Cashback Bonue Anniversary Month August Opening Cashback Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at wwwMiscover.com tber 22, 2010 page 1 of 2 Payment Information New Balance $8,220.97 Minimum Payment Due* $5,787.00 Payment Due Date October 21, 2010 *Includes past due amount of $5,622.00 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. 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: f C1{7`m#??lils'.i' ...:+' ••:JE;,';;l,,Hr'2;?', •s's?i: '':,iLKaEy{,;,r:; "'' - Only the minimum 9 years $8,221 payment If you would like information about credit counseling services, call 1-800.347-1 l 21. 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER (1.800-347-2683) our Discover®card available Pl h e to pay down your balance, securely access statements, pay track all transactions line and easil bil . ease av y 3. Write to us at Discover PO Box 30943, Salt Lake City, UT 841 ?O (Not a payment address) y s on Make worth moreSM-find easy to earn Your money Y waYs d d h For payments, please send to address on remittance or rewar s eem cas and re Discover,POBox6103,CaroLStreamjL60197.61.03...__.. __.. •_-NEWfAccess your-account securely through-your. - ------- For TDD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800-347.7449. Transactions Trans. Post Date Date Payments and Credits Aug 26 Aug 26 PAYMENT - THANK YOU $ 50.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 i Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 0.00 0,00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as 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/poperfess 02010 Discover B.A, Member FDIC PAPERM10 O z 2 rn D c 0 0 t? N 0 N N X Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). KIMMEI,Jf:NN{FERA DISCOVER It pays to DISCOVER Account number ending in 7193 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 ?? ??PERCENTAGE BAANECCE SSUB ECT TO INTEREST CHARGE RATE Purchases 28.99% $0 $0 Cash Advances 28.99% $0 $0 V = Variable Rate Additional Important firformation Important Information. If there u more than one page to this billing statement, see the back of each Paige 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 1.800-347-2683. What To De tF You Think You Find A Mistake On Your Statement If you Ihink there is an error on your statement, write to us at Discover, PO Box 30421, Sall 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. - _ _ _ - - - - _ Yaij-musteorstoet-urwithin-60 day* afterfheerr- roppeared orryourstakmersh You must notify us of any potential errors in canting You may ca11 us, bul if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount In question, or report you as delinquent on that amount. The charge in uestion may remain on your statement, and we may continue to charge you interest on that artrount. But, if we dalannine that we made a mistake, you will not hove to pay the amount In question or any Interest or other fees recited to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We con opply any unpaid amount againstyour credit IimN. Your Rights IF You Are Dissatisfied With Your Credit Card purchases: If you ore dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with tfse 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 slate or within 100 miles of your current making address, and the purchase price must have been more than $50. lNote: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or Awe 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 cord account do not qualify. 3. You must not yet have Fully paid for the purchase. N all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wrilfng at: Discover, PO Box 30945, Self Lake City, UT 84130,0945 While we investigate, The same rules apply to the disputed amount as discussed above. After we finish our investigatlon, 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. Send only your payment and the lop portion of this statement in the envelope provided. Do nol send cash. Sy sendinrur 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 inslur tion fndicmed on your 'check or to process the payment as a check transaction. B payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information Irom your check to make on electronic fund transfer, funds maybe withdrawn from your account as soon as the same daywe receive yourpaymant and you-wgl notreceive your check bock-from-your Bnancfalins8nstionr - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - _ _ ... _ The processing of your payment may be delayed if you send cash, eorrmpon P dence or other items with your payment if you send the payment to any other address or if you use an envelope other n litre one provided. aymenb retsived in proper m at our Pracessing lac' fty by SPM local time on any day will be credited to your Account as of that toy. Poymsnrs received at our processing focilily abet SPM local Irmo will be credited w your Account as of the next toy. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol S ctronic troom, IL 60197-6103. Please allow 7-10 days For delivery. If your payment is returned unpaid, we roserve the right to resubmit it as an ele de for bit. Yau can pay your minimum payment or a greater amount over the telephone, and you can of up automatic payments- Call us at 1-800347.2683. You will need this statement and your book account information. You must ensure that sufFkteM Funds are ?dh ilable in your bank account and all transactions must comply with U.Slawou 11 be asked ide the fir5 diyour account s._.nf ZlPeBy enkrfng those numbers as your electronic signature, you all be agreeing to hb to.lbw us and ur bankduct each pa rat you authorize ham your bank account, and to initiate ;deb t a credit ntries to your bank account, as pp_cable, to correct an error In thprocess frig opayment. You must tell us the amount of each payment or you can select on 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$00.347-2683 or by mail of the address listed in the previous paragraph. If your payments vary in amount, we will tell you on each monthly statement when your payment wig be made and how much 4 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 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 ur Account to credit reporting agencies each month. If yyou believe that our report is inaccurate or incomplete, please write us at the Following address: Discover, PO Box 15316, Wilmington, DE 1985065316. Heose indicate your name, address, home telephone number and Account number. Paying Interest. Interest Charges are imposed on all transactions from the dole the transaction b 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 Bohnce 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 this statement, we will not impose Interest Charges on new purchases, [hot is, purchases first appearing on this statement. We call this the grace period. Otherwise, you will receive a billing statement next month that includes Interest Charges on those new purchases. There h no grace period on balance transfers or cash advances. 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 sublet 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 onsac on categories. We figure the 'daily balance" for each transaction category. To get the "doily 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 anycredits and payments and make other adjustments. 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 Bs daily periodic role, for each day in Ile 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 tronsoction as of the Transaction Date shown on your billing statement unless tae tramaction is posted to your Account char 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. 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 Discover0 card is issued by Discover Bank, Member FDIC OITBKO67 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor -ER19F AM %,Y ) JsJ4 _ 9 44 CUMSERL do co A T `f P014S Discover Bank vs. Jennifer A. Kimmel Case Numb 2012-3501 SHERIFF'S RETURN OF SERVICE 07/05/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent se rct and inquiry for the within named defendant to wit: Jennifer A. Kimmel, but was unable to locate her in is bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Jenni er A. Kimmel. Request for service at 521-D Reno Street, New Cumberland, Pennsylvania 17070 the Defendant was not found. Deputies also attempted 1107 Bridge Street, New Cumberland, PA 17070 and 545 Bosler Avenue, Lemoyne, Pennslyvania 17043 without success to find the Defendant. i SHERIFF COST: $83.00 July 05, 2012 SO ANSWERS, (?z ? RONNY R ANDERSON, SHERIFF Our File No.: 295682 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 20 A 1,, M11' 50 ` 1.11 PERIAND COUNTY ? NSYLVANIA COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. JENNIFER A KIMMEL NO.: 12-3501 CIVIL Civil Action Defendant PLAINTIFF'S RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS Plaintiff„ DISCOVER BANK, by and through its attorneys, Apothaker & Associates, P.C., files its response to Defendant's Preliminary Objections as follows: 1. Admitted. 2. Admitted. 3. Denied. 4. Admitted. Plaintiff indicated the action was based on a written contract in Paragraph three (3) of the Complaint. 5. Admitted. Plaintiff indicated the action was based on a written contract in Paragraph three (3) of the Complaint. 6. Admitted in Part. It is specifically admitted that Pa.R.C.P. No. 1019(i) requires the pleading party to attach the written agreement. The remainder of this averment is specifically denied. Plaintiff attached the relevant Cardmember Agreement to its Complaint and is therefore in compliance with the relevant statutory and case law. 7. Admitted. 8. Admitted. 9. Admitted. By way of further Answer, Plaintiff's Complaint alleges a breach of contract but the allegations contained therein are sufficient to sustain an account stated theory as well. 10. Denied. Only two courts have ruled same and defendant has cited to those rulings. On the other hand, numerous courts have ruled quite the opposite. See Capital One Bank (U.S.A.), N.A. v. James L. Spicer, 2009-774, (C.P. Centre 2009); American Express Bank, FSB v. Mitchell Jureckson, CI-10-09494 (C.P. Lancaster 2011); CA CH, LLC v. Donna Bashore, 2010-01720 (C.P. Lebanon 2011); FIA Card Services, N.A. v. Brian D. Weaver, C-48-CV-2010-12662 (C.P. Northampton 2011); Discover Bank v. Jerry A benshon, 2010-SU-4192-85 (C.P. York 2011); FIA Card Services N.A. v. Brad A. Reese, 7455 of 2009 (C.P. Westmoreland 2010). 11. Admitted. Plaintiff has properly pleaded a cause of action under both an account stated as well as a breach of contract theory. WHEREFORE, Plaintiff respectfully requests that this court enter an ORDER overruling defendant's Preliminary Objections and directing the defendant to file an Answer within twenty days. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: % r Benj in J. Ca allaro, Esquire Our File No.: 295682 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. 4307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff COURT OF COMMON PLEAS OF DISCOVER BANK ) CUMBERLAND COUNTY Plaintiff ) vs. ) NO.: 12-3501 CIVIL JENNIFER A KIMMEL ) Civil Action Defendant ) PLAINTIFF'S BRIEF IN SUPPORT OF ITS RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS Plaintiff, DISCOVER BANK, by and through its attorneys, Apothaker & Associates, P.C., submits its brief in support of its response to defendant's Preliminary Objections as follows. Facts and Procedural Background Plaintiff, DISCOVER BANK, filed a Complaint against defendant seeking damages based on defendant's default on a credit card account. Defendant applied for and received a credit card from DISCOVER BANK upon which defendant accrued an outstanding balance in the amount of $8,220.97. Legal Argument Preliminary objections are the appropriate method by which to challenge the legal sufficiency ofthe allegations a petitioner raises as a basis for relief. In re Adoption of'S.P.T., 783 A.2d 779 (Pa. Super. 2001). Pa.R.C.P. No. 10190) Pa.R.C.P. No. 1019(h) Pa.R.C.P. No. 1019(h) requires that a Complainant in a breach of contract action specify whether the action is based on an oral or written contract. Plaintiff's cause of action is based on a breach of a written agreement. Pa.R.C.P. No. 1019(i) states "When any claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the material part thereof, but if the writing or copy is not accessible to the pleader, it is sufficient so to state, together with the reason, and to set forth the substance in writing." For this reason Plaintiff attached the relevant Cardmember Agreement. Said document forms the underlying basis of the within matter and contains the material terms contemplated by Pa.R.C.P. 1019(i). Demurrer A demurrer can only be sustained where the Complaint is clearly insufficient to establish the pleaders right to relief Firing v. Kephart, 466 Pa. 560, 353 A.2d 833 (1976). For purposes of testing the legal sufficiency of the challenged pleading, a preliminary objection in the nature of a demurrer admits as true all well pleaded material, relevant facts and every inference fairly deductible from those facts. Savitz v. Weinstein, 395 Pa. 173, 149 A.2d 110 (1959); Hoffman w. Misericordia Hospital of Philadelphia, 439 Pa. 501, 267 A.2d 867 (1970). Plaintiff sufficiently alleged that defendant received, accepted and used the card and failed to make timely payments on the account. Plaintiff also alleged the amount due at charge-off, the amount presently due, the date of the last payment, and attached documentation to support said allegations. Account Stated An account stated has been defined by our Supreme Court as "an account in writing examined and accepted by both parties. And this acceptance need not be express, but may be implied from circumstances." Leinbach v. Wolle, 61 A. 248 (Pa. 1905). It is based on an existing debt and arises from a pre-existing account or course of dealings between the parties. 16 Summ. Pa. Jur. 2d Commercial Law § 8:10 (2010). An account stated binds the parties unless there is a repudiation by the parties or there is proof of fraud or mistake or the parties make objection to the account stated. Thrasher v. Rothrock, 6 Pa. D. & C.2d 259 (Pa.Com.Pl 1956). If one of the parties makes no objection, the account is considered an account stated with respect to the party who did not make objections even if that person did not expressly accept the account. Wylam v. Wylam, 39 Pa. D. & C. 634 (Pa.Com.Pl. 1941). To properly form a cause of action for an account stated, a plaintiff must aver the following: (1) there has been a running account, (2) a balance remains due, (3) the account has been rendered upon the defendant, and (4) the defendant has assented to the account.. Rush's Service Center, Inc. v. Genareo, 10 Pa. D. & C. 0 445, 447 (Pa.Com.P1. 1991). See CE Glass v. Ryan, 70 Pa.D.&C. 2d 251 (Beaver 1975) (To state a cause of action based upon an account stated Plaintiff must show that the account was rendered and the other party accepted, agreed to or acquiesced to account's accuracy); See also David v. Veitscher Magnesitwerke Actien Gesellschaft. 35 A.2d 346 (Pa. 1944) (To constitute an account stated, the account must be rendered and the other party must accept, agree to, or acquiesce in the correctness of the account). Acceptance of an account stated may be implied from the circumstances. Robbins v. Weinstein, 17 A.2d 629, 634 (Pa. Super. 1941). As an example, retention of account statements without objection by one of the parties for an unreasonably long time of a statement of account rendered by the other party is a manifestation of assent to the amount shown as an accurate computation of the amount due. See, Donahue v. City of Philadelphia, 41 A.2d 879 (Pa. Super. 1945). In the within matter, Plaintiff has attached credit card statements to its Complaint. The credit card statements were sent to defendant. Defendant has not alleged any disputes of the items on the statements. Therefore, defendant retained the account statements for an unreasonably long time, thus manifesting an assent to the amount shown as an accurate computation of the amount due. The Court in FIA Card Services v. Reese, 7455 of 2009 (C.P. Westmoreland 2009) overruled defendant's Preliminary Objection in the form of a demurrer in regard to Plaintiff's alleged failure to attach a contract, holding, "Defendant's claim that the amended complaint is insufficient because it did not attach an agreement is an improper characterization of Plaintiff's cause of action and is clearly a requirement to plead evidence ...At this stage of the proceedings, to require more proof from Plaintiff in addition to the billing statements attached to the amended complaint would go beyond the requirements fact-pleading." That sentiment has been echoed in other courtrooms, for example in Citibank (S.D.) N.A. v. King, 2 Pa. D. & C. 5t" 60, (C.P. Centre 2007), which held that a copy of the credit card agreement is not necessary since only a copy of the account must be attached. While there is at least one opinionfrom a Court of Common Pleas in this Commonwealth which advocates the position that an account stated theory is improper in a credit card action (See Capital One Bank v. Clevenstine, 7 Pa. D. & C. 5t" 153,154 (C.P. Centre 2009)), Our Superior Court has not addressed the issue and the majority of the Common Pleas holdings favor the use of an account stated theory in credit card actions. See Capital One Bank (U.S.A.), N.A. v. James L. Spicer, 2009-774, (C.P. Centre 2009); American Express Bank, FSB v. Mitchell Jureckson, Cl-10-09494 (C.P. Lancaster 2011); CACH, LLC v. Donna Bashore, 2010-01720 (C.P. Lebanon 2011); FIA Card Services, N.A. v. Brian D. Weaver, C-48-CV-2010-12662 (C.P. Northampton 2011); Discover Bank v. Jerry Abenshon, 2010-SU-4192-85 (C.P. York 2011); FIA Card Services N.A. v. Brad A. Reese, 7455 of 2009 (C.P. Westmoreland 2010). WHEREFORE, Plaintiff respectfully requests that this court enter an ORDER overruling defendant's Preliminary Objections and directing the defendant to file an Answer within twenty days. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm 1?al ed in Debt Collection BY: Benjam 3 Yn J. C allaro, Esquire Our File No.: 295682 ' APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK ) COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff ) vs. ) NO.: 12-3501 CIVIL JENNIFER A KIMMEL ) Civil Action Defendant ) CERTIFICATION OF SERVICE I, Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on I caused to be served a copy of Plaintiff's Order. Response to Preliminary Objections and Brief in Support by regular mail on: MICHAEL PYKOSH, Esquire 2132 Market St Camp Hill, Pa 17011 APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: Benjami J. Caval ro, Esquire Our File No.: 295682 ' 7-- DISCOVER BANK Plaintiff vs. ) NO.: 12-3501 CIVIL JENNIFER A KIMMEL ) Defendant ) �` PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. I. Matter to be Argued: Defendant's Preliminary Objections 2. Counsel who will argue cases: Benjamin J. Cavallaro Esquire MICHAEL PYKOSH Attorney for Plaintiff Attorney for Defendant 520 Fellowship Road C306 2132 Market Street Mount Laurel,NJ 08054 Camp Hill, PA 17011 (800) 672-0215 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: April 5, 2013 BY: B njamin . avallaro, Esquire ttorney for Plaintiff Dated: �j p 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 filed with the COURT ADMINISTRATOR(not the Prothonotary)after the case is relisted. �� y9 Our File No.: 295682 APOTHAKER& ASSOCIATES, P.C. BY: Benjamin J. Cavallaro, Esquire Attorney I.D.# 307949 520 Fellowship Road C306 Mount Laurel,NJ 08054 (800)672-0215 Attorney for Plaintiff DISCOVER BANK ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff ) vs. ) NO.: 12-3501 CIVIL JENNIFER A KIMMEL ) Defendant ) CERTIFICATION OF SERVICE I, Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on I caused to be served a copy of Plaintiff's Praecipe for Listing Case for Argument by regular mail to MICHAEL PYKOSH, ESQUIRE 2132 MARKET ST CAMP HILL, PA 17011 Benj in . Cava aro, squire Atto ey for Plai iff Michael J. Pykosh, Esquire I D#58851 Dethlefs-Pykosh Law Group, PLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpvkosh@ApLqLaw.com Attorney for Defendant DISCOVER BANK : COURT OF COMMON PLEAS C/O D13 SERVICING CORPORATION : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No: 12-3601 Civil Term JENNIFER A. KIMMEL Civil Action — Law Defendant NOTICE TO PLEAD C CD To: Discover Bank c/o Benjamin J. Cavallaro, Esquire Apothaker&Associates, P.C. 520 Fellowship Road C306 Mount Laurel, N 08054 You are hereby notified to file a written response to the enclosed New Matter within twenty (20) days from service hereof or a judgment may be entered against you. Michael I,Pykosh, Esquire ID # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 717-975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, PLC 2132 Market Street Camp Hill,Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh@ApLqLaw.com Attorney for Defendant DISCOVER BANK : COURT OF COMMON PLEAS C/O D13 SERVICING CORPORATION : CUMBERLAND COUNTY, PENNSYLVANIA- Plaintiff V. No: 12-3501 Civil Term JENNIFER A. KIMMEL Civil Action — Law Defendant DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT AND NEW MATTER AND NOW, comes the Defendant, Jennifer A. Kimmel, by and through her attorney, Michael J. Pykosh, of the Dethlefs-Pykosh Law Group, who responds to Plaintiffs Complaint as follows: 1. Denied. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the averments; set forth in Paragraph 1 of Plaintiff's Complaint. 2. Admitted in part and Denied in part. It is Admitted that Defendant is Jennifer A. Kimmel, an adult individual. It is Denied that Jennifer A. Kimmel resides at 421 Geary Ave New Cumberland, PA 17070-1841. 3. Admitted in part and Denied in part. It is Admitted that Defendant applied for, received and used a credit account issued by Discover Bank. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the remaining averment set forth in Paragraph 3 of Plaintiffs Complaint. 4. Denied. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the averments set forth in Paragraph 4 of Plaintiffs Complaint. 5. Denied. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the averments set forth in Paragraph 5 of Plaintiffs Complaint. 6. Denied. The averments, as set forth in Paragraph 6 contain conclusions of law to which a response is not required. By the way of further answer the credit card statements are written documents, the terms of which speak for itself. 7. Denied. The averments as set forth in Paragraph 7 contain conclusions of'law to which a response is not required. 8. Denied. The averments as set forth in Paragraph 8 contain conclusions of law to . which a response is not required. 9. Denied. The averments as set forth in Paragraph 9 contain conclusions of law to which a response is not required. 10.Denied. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the averments set forth in Paragraph 1.0 of Plaintiffs Complaint. 11.Denied. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the averments set forth in Paragraph 11 of Plaintiffs Complaint. 12.Denied. After reasonable investigation, Defendant is without sufficient, knowledge as to the truth or veracity of the averments set forth in Paragraph 12 of Plaintiffs Complaint. 13.Denied. After reasonable investigation, Defendant is without sufficient knowledge as to the truth or veracity of the averments set forth in Paragraph 13 of Plaintiffs Complaint. 14.Denied. The averments as set forth in Paragraph 14 contain conclusions of law to which a response is not required. WHEREFORE, the Defendant, Jennifer A. Kimmel, respectfully request judgment in his favor and against Plaintiff with costs, attorney's fees and any other relief the-Court deems just and to dismiss Plaintiff s Amended Complaint with Prejudice. VERIFICATION I, Jennifer A. Kimmel, hereby verify that the statements of fact made in the foregoing documents are true and correct to the best of my knowledge, information and belief. I understand that any false statements therein are subject to the criminal penalties contained in 18 Pa C. S. Section 4904, relating to unsworn falsification to authorities. Date: gnnif A. Kimmel DEFENDANT'S NEW MATTER The Defendant, Jennifer A. Kimmel, sets forth the following New Matter: 15.The answers to Plaintiff's averments contained in Paragraphs 1 through 14 are incorporated herein by reference thereto as though herein set forth at length. 16.The claims made by Plaintiff are barred by the applicable Statute of Limitations. 17.The claims made by Plaintiff are barred by the Doctrine of Accord and Satisfaction. 18.Plaintiff's actions may be barred by the Doctrine of Estoppel. 19.Plaintiff's actions may be barred by the Doctrine of Unclean Hands. WHEREFORE, the Defendant, Jennifer A. Kimmel, respectfully request judgment in her favor and against Plaintiff with costs, attorney's fees and any other relief the Court deems just and to dismiss Plaintiff's Amended Complaint with Prejudice. Respectfully Submit d, Dated: Michael J. Pykosh, Esquire ID # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 717-975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh@ plglaw.com Attorney for Defendant DISCOVER BANK : COURT OF COMMON PLEAS C/O DB SERVICING CORPORATION : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No: 12-3501 Civil Term JENNIFER A. KIMMEL Civil Action — Law Defendant CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT and NEW MATTER, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Discover Bank c/o Benjamin J. Cavallaro, Esquire Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, N 08054 Respectfully Submitted, Dated: 4. l _ Michael J. Pykosh, Esquire D # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 717-975-9446 Attorney for Defendant fR4 Tl�t�.0 TA i�'r Our file No.: 295682 APOTHAKER&ASSOCIATES, P.C. —S �BY: Kimberly F. Scian,Esquire CURER Attorney I.D.#55140 P��,�SY��A�p�U'N�-Y 520 Fellowship Road C306 Mount Laurel,NJ 08054 (800) 672-0215 Attorneys for Plaintiff COURT OF COMMON PLEAS OF DISCOVER BANK ) CUMBERLAND COUNTY Plaintiff, ) DOCKET NO.: 12-3501 CIVIL vs. ) JENNIFER A KIMMEL ) Civil Action Defendant. ) ANSWER TO NEW MATTER Plaintiff, DISCOVER BANK,by and through their attorney, answers the following New Matter: 15. No responsive pleading is required. 16. Denied. Plaintiff's claim is not barred by the applicable Statute of Limitations. 17. Denied. Plaintiff's claim is not barred by the Doctrine of Accord and Satisfaction. 18. Denied. Plaintiff's claim is not barred by the Doctrine of Estoppel. 19. Denied. Plaintiff's claim is not barred by the Doctrine of Unclean Hands. WHEREFORE,Plaintiff demands that Defendant's New Matter be dismissed. APOTHAKER&ASSOCIATES,P.C. Attorneys for Plaintiff A Law Firm Engaged iii Debt Collection Kimb rly F. Scian, Esquire VERIFICATION I -A- CM 5R(A (f SbC6Q t\ AName) (me) 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 unswom 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 Answer to New Matter 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's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date Noq-'% 2013 (Signaturep Defendant's Name: JENNIFER A KIMMEL DB Servicing Corporation servicing Account Number: ending in 7193 affiliate for Discover Bank Our File No.: 295682 PO Box 3025 New Albany, OH 43054 Our file No.: 295682 APOTHAKER&ASSOCIATES,P.C. By: Kimberly F. Scian, Esquire Attorney I.D. #55140 520 Fellowship Road C306 Mount Laurel,NJ 08054 (800)672-0215 Attorneys for Plaintiff COURT OF COMMON PLEAS OF DISCOVER BANK ) CUMBERLAND COUNTY Plaintiff ) vs. ) NO.: 12-3501 CIVIL JENNIFER A KIMMEL ) Civil Action Defendant ) CERTIFICATION OF SERVICE I, Kimberly F. Scian, Esquire, attorney for Plaintiff, certify that on 3 l , I caused to be served a copy of Plaintiff's Answer to New Matter by regular mail on: MICHAEL PYKOSH, ESQUIRE 2132 MARKET ST CAMP HILL, PA 17011 APOTHAKER&ASSOCIATES,P.C. Attorney for Plaintiff A Law Firm Engaged P /bebt Collection Kin erly F. Scian, Esquire Our File No.: 295682 IN THE COURT OF COMMON PLEAS OF DISCOVER BANK ) CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff ) VS. ) NO.: 12-3501 CIVIL w, C= JENNIFER A KIMMEL ) Civil Action - '' Defendant ) PRAECIPE FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: - ON Benjamin J. Cavallaro, Esquire, counsel for the Plaintiff in the above action, respectfully represents that: 1. The above-captioned action is at issue 2. The claim of Plaintiff in the action is $8,220.97. The following attorneys are interested in the case as counsel or are otherwise disqualified to sit as arbitrators: For Defendant For Plaintiff Michael J Pykosh, Esquire Benjamin J. Cavallaro, Esquire 2132 Market St 520 Fellowship Road C306 Camp Hill, PA 17011 Mount Laurel,NJ 08054 (717) 975-9446 (800) 672-0215 Attorney for Defendant Attorney for Plaintiff WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfull ubmitted, Dated: /` (" Benja in J. allaro, Esquire z8•SO�cI Q� C��go3 i ORDER OF COURT 12 °�9133S AND NOW, , 20 , in consideration of the foregoing petition, Esq., and Esq., and Esq., are appointed arbitrators in the above captioned action as prayed for. By the Court, Our File No.: 295682 IN THE COURT OF COMMON PLEAS OF DISCOVER BANK ) CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff ) VS. ) NO.: 12-3501 CIVIL -- ) JENNIFER A KIMMEL ) Civil Action - "' -FE, ° Defendant CD w PRAECIPE FOR APPOINTMENT OF ARBITRATORS Tr>o TO THE HONORABLE, THE JUDGES OF SAID COURT: � a Benjamin J. Cavallaro, Esquire, counsel for the Plaintiff in the above action, respectfully represents that: 1. The above-captioned action is at issue 2. The claim of Plaintiff in the action is $8,220.97. The following attorneys are interested in the case as counsel or are otherwise disqualified to sit as arbitrators: For Defendant For Plaintiff Michael J Pykosh, Esquire Benjamin J. Cavallaro, Esquire 2132 Market St 520 Fellowship Road C306 Camp Hill, PA 17011 Mount Laurel,NJ 08054 (717) 975-9446 (800) 672-0215 Attorney for Defendant Attorney for Plaintiff WHEREFORE,your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfull ubmitted, '- Dated: 1' Benja in J. allaro, Esquire Avv� sZ8.SO A a ORDER OF COURT 2# Q 91315 AND NOW, 1 4 , 2013 , in consideration of the foregoing petition, Esq., and _Q� Esq., and Esq., are appointed arbitrators in the above captioned action as prayed for. C= i By the Courts -r� T lava/41" e ; s ^' I 1 FILED-OFFICE ICE Michael J. Pykosh, Esquire OF THE f ROTHONOTAR f I D#58851 Dethlefs-Pykosh Law Group, LLC 2013,SUN 28 Pik l: Ca p Hall, Pennsylvania 17011 CUMBERLAND COUNTY Telephone—(717)975-9446 PENNSYLVANIA Fax—(717)975-2309 mpvkosh andpiglaw.com Attorney for Defendant DISCOVER BANK, : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. No: 12-3501 JENNIFER A. KIMMEL, Civil Action — Law Defendant NOTICE TO ATTEND To: Corporate Representative of Discover Bank, with the knowledge to testify to and be cross examined relative to the documents to be admitted into evidence pursuant to PA R.C.P. 1305: (1) You are directed to come to the Second Floor Hearing Room of the Old Cumberland County Courthouse, located at 1 N Courthouse Aveune, Carlisle, Pennsylvania, 17013 on Thursday, September 5, 2013, at 10:OOAM, the time and place scheduled for arbitration of the above matter to testify on behalf of Plaintiff at the request of Defendant in the above case, and to remain until excused; (2) And bring with you the following: Documents to be used as exhibits or intended to be admitted into evidence by PA R.C.P.1305 or otherwise by Plaintiff. If you fail to attend or to produce the documents or things required by this Notice to Attend, you may be subject to the sanctions authorized by Rule 234.5 of the Pennsylvania Rules of Civil Procedure. Date: Michael J. Kykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire I D#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh(&dplglaw.com Attorney for Defendant DISCOVER BANK, : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. No: 12-3501 JENNIFER A. KIMMEL, Civil Action — Law Defendant : CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Notice to Attend, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Discover Bank c/o Benjamin J. Cavallaro, Esquire Apothaker&Assoc., P.C. 520 Fellowship Road C-306 Mount Carmel, NJ 08054 Respeggully Submitted, Date: ? Michael J. Pyka9h-, 1r=squire I.D. #58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 (717) 975-9446 Attorney for Defendant 1 Our file No.: 295682 Apothaker&Associates, P.C. , ©� 520 Fellowship Road C306 ��ER Mount Laurel,NJ 08054 pE� (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK ) COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, ) vs. ) DOCKET NO.: 12-3501 CIVIL JENNIFER A KIMMEL ) Civil Action Defendant. ) STIPULATION IN LIEU OF JUDGMENT The matters and things in controversy having been discussed by and between the parties, and a settlement having been agreed upon: It is on September 23, 2013, STIPULATED by and between DISCOVER BANK {"Plaintiff') and JENNIFER A KIMMEL ("Defendant"), as follows: 1. Plaintiff filed suit in the above captioned matter seeking damages in the amount of $8,220.97,plus court costs in the amount of$457.10, for a total of$8,678.07. 2. Defendant agrees to pay to Plaintiff the sum of$5,343.00, which Plaintiff agrees to accept in full settlement of its claim herein. 3. Defendant agrees to remit payment(s) in the following manner: y a. $112.00 to be paid on or before the 30`h day of each month, beginning October 30, 2013 until settlement amount of$5,343.00 is paid in full 4. All payments shall be made payable to "DISCOVER BANK", and sent to the office of Plaintiff's attorney, Apothaker & Associates, P.C., located at the following address: Apothaker& Associates, P.C. 520 Fellowship Road C306 PO Box 5496 Mount Laurel, NJ 08054 5. In the event Defendant fails to pay in accordance with the terms set forth in this Stipulation Plaintiff must notify Defendant's attorney(s), in writing, of Defendant's default. The name and address of Defendant's attorney(s) that notice will be sent to is: 1 r MICHAEL PYKOSH, Esquire 2132 Market St Camp Hill, Pa 17011 6. If the default is not cured within fifteen (15) days after written notice to Defendant's attomey(s), then Plaintiff shall be entitled to obtain the entry of Judgment against Defendant upon ex parte application, with supporting certification, and with notice to Defendant's attorney in the form of a copy of the application addressed to Defendant's attorney, by first-class, postage prepaid, in the suit amount, plus court costs, as specified in paragraph one (1) of this stipulation less any sums paid pursuant to this Stipulation. We hereby consent to the form and entry of the within Stipulation. Apothaker&Associates, P.C. A Law Firm En d in Debt Collection Atto f r Plaintiff By: Benjam J. Cav Taro, Esquire Att # 307949 Attorney for Defendant- By: X MICHAEL P COS , E DETHLEFS PYKOSH LAW GROUP LLC Defendant By: JE FER A KIMMEL 2