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Home My WebLink About12-4143I ftt,Ep-QpFtCf OF THE PROtfIi?NOTARY 2Df2,1?t -2 Ph i: 56 C r?El1Mg?AN('ITY IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Discover Bank, Through Its Servicing Agent, DB Servicing Corporation Plaintiff vs JERRY L HOPE Defendant No: 1a-L- u`73 COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 09657097 C A Pit SJS CS) aM?'% 16 33S? Q? C?, # I6S7B39/ 00vqS9 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Discover Bank, Through Its Servicing Agent, DB Servicing Corporation Plaintiff vs. Civil Action No JERRY L HOPE Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f/k/a. Greenwood Trust Company, an FDIC-insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, among other things, the collection of delinquent accounts, marketing, application approval, transaction approval, customer service, and billing. The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant account, which is the subject of this litigation. 4. Defendant is adult individual(s) residing at 15 WEST CIR CAMP HILL, PA 17011 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXXG432 . 6.. Defendant made use of said credit card and has a current balance due of $10438.30 , as of March 31, 2012 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Plaintiff is entitled to the addition of interest at the rate of 17.240% per annum on the unpaid balance from March 31, 2012 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1". 9. Although repeately requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, JERRY L HOPE INDIVIDUALLY , in the amount of $10438.30 with interest at the rate of 17.240% per annum from March 31, 2012 until date of judgment and costs. /A'? 437 William T_ o czaFREI WELTMAN, WEINBERG S CO., L.P.A. 436 Seventh Avenu Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 WWR4 09657097 C A Pit SJS This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. DISCOVER $10,43830 08 SDSN6AO10002277 JERRY HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV• to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 6103 Illrnrllrrrllrrrlnnlrrrlrll CAROL STREAM TL 60197-6103???? Addross,e-mailortelephone change? LEI,r?luun???slnlasls?luunlllluntl?t??uut??nlnl? Go to www.Discover com or print change in space above. 000001986458320542844104383000000001043830 Opening Dale: April 1, 2012 Closing Date: April 0, Discover Open Road Card Account Summa Account number ending in 6432 Previous Balance $10,438.30 Payments And Credits 0.00 Purchases + 0.00 Balance TransFen + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Baksnce 10,438.30 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $9,400.00 Credit Line Available $0.00 Cosh Advance Credit line $0.00 Cash Advance Credit Line Available $0.00 ..w.n.snw wsnsm Anniversary Month August Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 cashbadr gams balance $ 0.00 To leorn mom, log in at www.Discover corn 3 Easy Ways to Contact Us 1 Access your account securely at www.Discevm corn 2. Call 1-800-DISCOVER (1.800.347.2683) Please have your Discoverecard available. 3. Write to us at Discover PO Box 30943, Sak Lake City, UT 841 r30 (Not a payment address( For payments,_please send to address on remittance or Discover, PO 9Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deal) assistance, fie call 1-800347-7449. 2012 page 1 of 2 Payment Information New Balance $10,438.30 Minimum Payment Due* $10,438.30 Payment Due Date DUE IMMEDIATELY 'Includes past due amount of 51,787.00 Left Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a kite foe of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: f ymu , .. t1p, ou will pq)e 10 `And you" if cf 0 . . chGr ifs 5011605010 shown art up Poon9 on iiiq this cord and this statement in estimated total o(; t 1 . abouE Only the minimum 10 years $10,438 payment IF you would like information about credit counseling services, call 1-800.347.1121 Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to y down your balance, securely access sfaternenh, pay bills online and easily track all transactions • Make your money worth moreSM -find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions 9657097 TDaab PDate Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest dwrged TOTAL WMST FOR THIS PERIOD 5 0.00 2012 Totals Year-to-Date Minimum Payment Due i Account Number ending in 6432 $11 OA3&30 Enter Amount Enclosed Below Payment Due Date $ DUE IMMEDIATELY TOTAL FEES CHARGED IN 2012 $ 105.00 TOTAL INTEREST CHARGED IN 2012 436.03 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI VER DI?? ?ER Itpop10 JERRY HOPE ??,, 0 SCQVEa Account number ending in 6432 Me 2 of 2 Interest Charge Calculation Your Annual Percentage Rafe (APR) is the annual interest rats on your account. Current Billing Period: 8 days TYPE OF BALANCE ANNUAL SUBJECT TO INTEREST CHARGE ? BA EST RATE Purchases 17.24% V $0 $0 Cash Advances 23.99% V $0 $0 V - Variable Rate Additional Important Inkninatisn See your Cardrnsrnber A9rsemerK Your Cardmember Agreement contains all the terms of your Account. Led or dolsn cads. Report immediaWyl CaR I-800347-2683. What To Do H You Yhink You Find A Alistako On Your Statesnent if you think there is an error on your statement, write to us at: Discover, PO Box 30421 Salt lake City, UT 8A 1 3 0-042 1 In your letter give us the following information: Account information: Your name and account number. Dollar amounh. The dollar amount of the suspected error Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after IFw error appeared on your statement. You must notify us of any potential errors inwnfing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine thot ws mode a mistake, you will not ban to pay the amount in question or any Interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights N You Ate Dissofis&d 100h Your Credit Card Fssrnhases If you are d4sofisfisd with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct in iris problem with the merchant, you may have do right not to pay the remaining amount on the purchase. To use this right, off of the following must be true: 1 The purchase must have been mode in your home state or within 100 miles of your current mailing address, and the purchase pries must haw been more than Z50, )Note: Neither of rheas ors rree"wry if your purchase was based on an advertisement vrs mailed to you , or if we own Mrs company That sold you the goods or services.) 2. You must have used your credit card for the rchase. Purchases made with cash advances from an ATM or with a check that acceases your credit card account do rrof qualify. 3. You must not yet haw fully paid for the purchase. IF all of the criteria above are met and yy are still dissatisfied with the purchaae, contxf us in writing at: Discover PO Box 30945, Sant lake Ciiy?UT 84 1 30 0945 While we investigafe, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Paynwts. You may ppaoy all or part of your Account balonce ar any time. Howwar, you must pay at least the Minimum Payment Due by the Payment Due DaM. Send only your payment and the top portion of this statement in the envelope provid no ed. Do t send cash. By Pn your cMe as ze us to use information on your check kan el cectic tranacte your ccount of the finaicatsd on your check or to process iFre nt heckent is processed as an nsfer, the transfer will be for the amount of check hen we use inlormcih om your check to make an akxironie fund transfer, Funds may be withdrawn from your account as soon as the same day ws recsivs your payment, and you will ref receive your check back from your financial institution. The essing of your payment may be deksyed if you send cash, correspondence or oMrsr items with yaw payment, if you sendf apayment fo anyy elfnr address or iF you use an emsbpe other than the one provided. Payments received in proper (arm ot our processing feaciliy by 5PM kxal time on any day will b• ersditsd ro your Account w of that day Paymsnh received ot our processing facrh after 5PM local time will bs credited to your Account as of the rwt toy IF you hove misplaced your envelope, send your payment lo Dixovsr, PO Box 6103 Carol Shenm, IL 60197 6103. fMsose allow 7.10 days For delivery . If your payment rs retumsd urgwid, we reserve 1Fre rig?rt to roaubmit if os on electronic debit. 9657097 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI Ell You can pay ur monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the tale one or you can setup automatic payments Through a customer service representative by calling 1-800 347- 683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring ent date (e. .the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date WX on a weekend or bank holiday, yaw payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b talepph me, you will need this statement and your bank account information. You will be asked to provide the last four (4f digih of the social security number of the primary borrower . By roviding those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pay authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347-2683 or by mail at Discover PO Box 30421 Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and flow much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments f«• (t) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on yaw monthly bill ing statement, your scheduled be increased to cover the Minimum Payment Due. IF the scheduled payment is renter than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. It your scheduled poymant is greater than the New Balance on your billing statement, that payment will be ocessed on for the amount of your FVew Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + S ? fixed Pays Bank Routing #: , Bank Account #: , Frequency: Creed Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. ?IF? you believe that our report is inaccurate or incomplete, please write us of the following address: Discover PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interet charges on a transaction, fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You eon avoid paying interest on Purchases os described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid P i Interest on Purch Grocer Period" f you poi ew Balance on your previous r ing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Pa enh M Ian Your Grace Period you o not pay your ew a once in hill month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. Now We Cakrslate interest Charges D* Balance Method (kKluding current transactions): We calculate interest charges each billing period by first figuring the "flatly balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Doily Balance for Each Transaction CaNgary We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of yaw previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and Fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or foe posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the dailiyy balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subjed to Interest Rate is the average of the daily balances during the billing period. Credit NalarKes. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make char as against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For MD (Telecommunications Device for lire Deal) assistance, please call 1.800-347-7449. DistFlobrr?7nonitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®cord is issued by Discover Bank, Member FDIC RZNFE001 %muc3nun3 : Visit www.Disc~.com or call 1.800-DISCOVER (1-800-347-2683). DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble, password protected statements. e See your statement as soon as it's available rather than wait for it to arrive in your mailbox. e Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. e Sign up today at Discover=n/paperless x.2010 Discover Bank. Member FDIC PAPER.0310 O Z Os D O_ 8 N0 N N? X V 9657097 Questions? Visit www.Discovr.com or DISCOVER call 1.800-DISCOVER (1.800.347.2683) VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unworn falsifications to authorities, that she is Natasha Szczvgiel, Legal Placement Account Manager (Name) (Title) of DB Servicing Corooration successor to DFS Services LLC, servicing agent for Discover Bank (Company) plaintiff herein, that she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and belief. WWR# 9657097 Jerry L. Hope 6011002210766432 SHERIFF'S OFFICE OF CUMBERLAND ?OUNTY t E F, _ Ronny R Anderson _ _ ?•- - ?? i??: Sheriff P'07HGN Jody S Smith """"?Rtu?brrf?yd 2012 JUL 17 AM Q: 5- Chief Deputy Richard W Stewart 'CUMBERLAND COUN"Ir Solicitor OFFl U ,r PENNSYLVANIA Discover Bank vs. I Case Numb Jerry L. Hope 2012-4143 SHERIFF'S RETURN OF SERVICE 07/09/2012 06:13 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on July , 2012 at 1813 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Jerry L. Hope, by making known unto himself personally, at 15 West Circle, Camp ill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to him personal) the said true and correct copy of the same. RYAN BURGETT, D SHERIFF COST: $43.00 July 11, 2012 SO ANSWERS, RONO'Y R ANDERSON, SHERIFF ?.ci GouniySi?i!f. Snenff '!... ?,,;?oi? Ins IN THE COURT OF COMMON PLEAS OF CUMBERLAND ?a0 ' O T WIC O TART i PENNSYLVANIA, CIVIL DIVISION DISCOVER BANK 2912 JUL 23 PM 1: 54 Plaintiff, CUMBERLAND C?UNTY No. 12-4143 - CIVILEN3VSYLVA IA vs. JERRY L HOPE, Defendant. PRAECIPE OF APPEARANCE COUNSEL FOR DEFENDANT: Jason Rettig, Esquire Supreme Court No.: 200948 Of Counsel to Wites & Kapetan, 301 Grant Street, Suite 4300 Pittsburgh, PA 15219 Phone: (888) 499-3649 (267) 879-9054 Fax: (888) 263-1655 rettiglaw@yahoo.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA, CIVIL DIVISION DISCOVER BANK Plaintiff, No. 12-4143 - CIVIL vs. JERRY L HOPE, Defendant. To Prothonotary: Kindly enter my appearance on behalf of Defendant, JERRY L. HOPE. Respectfully submitted, J Rettig, Esquire pre me Court No.: 200948 Of Counsel to Wites & Kapetan, PA 301 Grant Street, Suite 4300 Pittsburgh, PA 15219 Phone: (888) 499-3649 (267) 879-9054 Fax: (888) 263-1655 rettiglaw@yahoo.com OF !CL IN THE COURT OF COMMON PLEAS OF CUMBERLAND CdU )fig R O T r# N 0 TA i i Y PENNSYLVANIA, CIVIL DIVISION 7012 J(L 2 3 P 1: 5 4 DISCOVER BANK Plaintiff, vs. JERRY L HOPE, Defendant. "LIMBERLAND OUNTY PENNSYLV NIA No. 12-4143 - CIVIL NOTICE TO PLEAD To: PLAINTIFF DISCOVER BANK William T. Molczan, Esq. WELTMAN, WEINBERG & REIS 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 You are hereby notified to file a written response to the enclosed Preliminary Obj to the Complaint within twenty (20) days from service hereof or a Judgment may be against you. 6 6" BY: i *on Rettig, Esquire Supreme Court No.: 200948 Of Counsel to Wites & Kapetan, PA 301 Grant Street, Suite 4300 Pittsburgh, PA 15219 Phone: (888) 499-3649 Fax: (888) 263-1655 rettiglaw@yahoo.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA, CIVIL DIVISION DISCOVER BANK Plaintiff, No. 12-4143 - CIVIL vs. PRELIMINARY OBJECTIONS AND BRIEF IN SUPPORT JERRY L HOPE, Defendant. COUNSEL FOR DEFENDANT: Jason Rettig, Esquire Supreme Court No.: 200948 Of Counsel to Wites & Kapetan, 301 Grant Street, Suite 4300 Pittsburgh, PA 15219 Phone: (888) 499-3649 (267) 879-9054 Fax: (888) 263-1655 rettiglaw@yahoo.com PRELIMINARY OBJECTIONS TO COMPLAINT IN CIVIL ACTION AND NOW comes Defendant, JERRY L HOPE, by and through counsel, and files Preliminary Objections to the Complaint in a Civil Action as follows: FAILURE TO ATTACH WRITING(S) 1. This is an action to collect on an alleged credit card account. (Complaint T5). 2. There is no credit card agreement attached to the Complaint and the only Exhibit i a single statement, which does not show any transactions. 3. Plaintiff has failed to attach any writing setting forth the terms and conditions of e account and Defendant's assent to same. 4. Plaintiff fails to allege whether the agreement was in writing or oral and fails to the terms of same and why the agreement is not attached. 5. Accordingly, the Complaint is the proper subject of preliminary objections, pursuant to Pa.R.C.P. §1028(a)(2), for failure to conform to Rule of Court 1019(1). FAILURE TO PLEAD WITH SPECIFICITY 6. The Complaint fails to allege how and when the damages were accrued and fails to whether, and in what amounts, the damages consist of purchases, cash advances, finance or fees, or other unknown origins. 7. The foregoing is a violation of the requirement of Pa.R.C.P. §1019(a) that the mate 'al facts giving rise to the cause of action must be pled and therefore, the Complaint is the proper subject of preliminary objections, pursuant to Pa.R.C.P. §1028(a)(2) for failure to confo to Rule 1019(a). WHEREFORE, Defendant prays that the Complaint filed by Plaintiff be dismissed the Plaintiff be required to plead over in accord with the Rules of Court. Res Submitted, Jas ettig, Esquire Supreme Court No.: 200948 Of Counsel to Wites & Kapetan, P. 301 Grant Street, Suite 4300 Pittsburgh, PA 15219 Phone: (888) 499-3649 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA, CIVIL DIVISION DISCOVER BANK Plaintiff, No. 12-4143 - CIVIL vs. JERRY L HOPE, Defendant. BRIEF 1. Matter before the Court These preliminary objections are brought by Defendant, JERRY L HOPE to a Compl int filed by a debt collector seeking judgment based on an alleged credit card debt. As set forth in the preliminary objections and discussed below, Plaintiffs Complaint is defective in numerous ways, including these: Plaintiff fails to allege whether the agreement governing the account i in writing or oral; fails to allege and/or provide a copy of the terms and conditions of the account; fails to attach the Agreement, if written, and fails to allege or attach documentation showing how the alleged damages were accrued. Accordingly, the required writing(s) giving rise to Plaintiff's claims are not attached, rendering the pleading defective. Likewise, the Complaint fails to allege how and when the alleged damages were incurred; whether and to what extent the claimed damages are comprised of purchase charges, interest, fees or other items. Thus, Plaintiff failed to allege the material facts to support its claim and the Defendant is entitled to a demw The Complaint should therefore be dismissed on the grounds of insufficient specificity failure to conform to law or rule of court. II. Issues Involved 1. a. Should Defendant's Preliminary Objections to a Complaint seeking judgment on an alleged account be sustained where: The Complaint fails to attach the writings giving rise to the alleged claim, including the operative Agreement and subsequent amendments, if any, and statements showing the charges, payments, interest and fees which comprise the alleged, damages; and b. The Complaint further fails to state that such writings are not accessible to the together with the reason, and to set forth the substance of the writings? Suggested answer: Yes 2. Should Defendant's Preliminary Objections to an Amended Complaint seeking j on an alleged credit card debt be sustained on the basis that it lacks the requisite degree of specificity and fails to comply with Pa.R.C.P. 1019(a) where the Amended Complaint and he documentation attached thereto fail to set forth the date of the alleged credit card agreement; e dates or amounts of the purchase of receipt of goods, services or cash advances, interest, fees or of any other component of the total alleged to be due; or the dates or amounts of payments of e account? Suggested answer: Yes III. Statement of Facts 1. Since Defendant's Preliminary Objections go to the sufficiency of Plaintiff's Complai the material "facts" for these purposes are the contents of the Complaint, including documents attached thereto. 2. This is an action to collect on an alleged credit card account. (Complaint 15) 3. There is no credit card agreement attached to the Complaint and the only Exhibit is a single statement, which does not show any transactions. 4. Plaintiff has failed to attach any writing setting forth the terms and conditions of account and Defendant's assent to same. 5. Plaintiff fails to allege whether the agreement was in writing or oral and fails to the terms of same and why the agreement is not attached. 6. Accordingly, the Complaint is the proper subject of preliminary objections, Pa.R.C.P. § 1028(a)(2), for failure to conform to Rule of Court 1019(1). FAILURE TO PLEAD WITH SPECIFICITY 7. The Complaint fails to allege how and when the damages were accrued and fails to whether, and in what amounts, the damages consist of purchases, cash advances, finance or fees, or other unknown origins. 8. The foregoing is a violation of the requirement of Pa.R.C.P. §1019(a) that the material facts giving rise to the cause of action must be pled and therefore, the Complaint is the subject of preliminary objections, pursuant to Pa.R.C.P. § 1028(a)(2) for failure Argument Failure to attach a complete writing A preliminary objection may be filed by any party to any pleading on the basis that to pleading fails to conform to law or rule court. Pa.R.C.P. Rule 1028(a)(2). Pa.R.C.P. Rule 109 sets forth the require contents of pleadings. Specifically, Rule 1019(i) provides: When any claim or defense is based upon a writing, the pleader shall attached a copy of the writing, of the material part thereof, but if the writing or copy is not accessible to the pleader, it is sufficient so to state, together with reason, and to set forth the substance in writing. In a cause of action based upon breach of a credit card agreement, the failure of a to attach to the complaint the writing or writings that establish the Plaintiff's claimed righ? to relief is fatal to the cause of action. Atlantic Credit and Finance, Inc., v. Giuliana, 829 .2d 340, 345 (Pa. Super, 2003.) (Emphasis Supplied). In this case, the writing(s) that establish Plaintiff's right to relief are the credit card Agreement and the statements showing the charges, interest, fees and any other items that the Plaintiff is seeking to recover. Failure to provide th se writings, as per Giuliana, supra, is fatal to Plaintiff's case. See also, North Star Capital Acquisition v. Smith, 2011 PA Dist. & Cnty (Allegheny), Lexis 218 (July 21, 2011), citing Giuliana, for the proposition that the Complaint should contain sufficient documentation d allegations to permit a defendant to calculate the total amount of damages sought. Failure to Plead with Specificity Rule 1019(a) requires that material facts upon which a cause of action is premised be pled, and that, inter alia, the basis for claimed damages must be pled. As it would be unwieldy to require Plaintiff's lawyers to physically type every charge, assessment of ini and penalty associated with the account, along with the items bought, dates and amounts, the requirement of pleading damages with specificity is usually satisfied by Plaintiff's attac the statements that support the amounts sought. Similar to the use of statements discussed above in regard to show how statements sometimes used to solve 1019(i) problems, the normal requirement is a beginning statement a beginning balance of zero and an uninterrupted chain of statements and a final state supporting the amount sought in the Complaint. Here, Plaintiff has failed to allege how the was incurred, what portion is interest and/or fees, and it does not show any charges or pr( any of the facts required. Accordingly, the Complaint should be dismissed pursuant to Pa. R. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK, THROUGH ITS SERVICING AGENT, DB SERVICING CORPORATION, Plaintiff, v. JERRY L HOPE, Defendant AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff Matthew D. Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG & REIS CO., L.P.A 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR: 09657097 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, THROUGH ITS SERVICING AGENT, DB SERVICING CORPORATION Plaintiff vs. Civil Action No. I2-4143-CIVIL JERRY L HOPE Defendant AMENDED COMPLAINT You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PENNSYLVANIA 17013 TELEPHONE NUMBER: (717) 249-3166 AMENDED COMPLAINT AND NOW, comes the Plaintiff, DISCOVER BANK and files an Amended Complaint, the following of which is a statement thereof: 1. Plaintiff, Discover Bank, is a corporation with offices at 12 Reads Way, New Castle, DE 19720. 2. Defendant, Jerry L Hope, is an adult individual residing at 15 West Circle, Camp Hill, PA 17011. 3. DB Servicing Corporation is the servicing affiliate of Discover Bank, f/k/a Greenwood Trust Company, anFDIC-insured Delaware State Bank. As the servicing affiliate, DB Servicing Corporation performs a variety of Services for Discover Bank including, among other things, the collection of delinquent accounts. The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. At all times pertinent hereto, DB Servicing Corporation is the servicing agent of Discover Bank, in reference to the Defendant's account, which is the subject of this litigation. 4. Foreign business corporations must procure a certificate of authority from the Department of Sate before doing business in this Commonwealth. 15 Pa C.S.A § 4121 (a). 5. A foreign company engaged in debt acquisition and collection activities in Pennsylvania is not doing business within the meaning of this registration statute. 6. Plaintiff is attempting to collect a debt from the Defendants and the filing of the instant action falls within the categories of activities not considered as doing business in this Commonwealth pursuant to 15 Pa C.S.A. § 4122. COUNT I-BREACH OF CONTRACT 7. The averments contained in Paragraph 1-6 are incorporated herein by reference thereto as though herein set forth at length. 8. On or about July 12, 2004, the Defendant submitted an application to the Plaintiff requesting that the Plaintiff issue the Defendant a Discover Bank credit card. A true and accurate copy of the Discover Bank application is attached hereto and made a part hereof as Exhibit "1." 9. Thereafter, the Plaintiff made an offer to the Defendant to open a credit card account by mailing a Discover Bank credit card, bearing account number 6011002210766432 along with a written cardholder agreement which contained the terms and conditions of said credit card to the Defendant. A true and accurate copy of the terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit " 2." 10. Defendant subsequently accepted Plaintiff's offer to open the above credit card account by using said card to transfer balances and make purchases. 11. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 12. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and accurate copy of the Defendant's monthly statements from August 10, 2005 to February 25, 2012 are attached hereto and made a part hereof as Exhibit " 3." 13. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 14. Several times throughout the Statement History, the Defendant made a payments that brought that account down to a zero balance on his account. 15. As a result of bringing the account current, the Defendant further acknowledged the terms and conditions of the cardmember agreement by his course of conduct. 16. Defendant subsequently made periodic charges and payments on the account with the last payment made on the aforementioned account occurring on August 18, 2011 in the amount of $200.00. 17. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 18. The balance due and owing to the Plaintiff on the aforementioned credit card account as of March 31, 2012 was $10438.30. 19. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 20. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, Jerry L Hope in the amount of $10438.30, with interest at the rate of 6% per annum from from the date of judgment and costs. COUNT II-UNJUST ENRICHMENT 21. The averments contained in Paragraph 1 through 20 above, are incorporated herein by reference thereto as though herein set forth at length. 22. Defendant used his/her DISCOVER BANK credit card to purchased goods, merchandise, and services. 23. By making use of said card, the Defendant has had a benefit conferred upon him/her through the use and enjoyment of those goods, merchandise and services purchased. 24. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the amounts due as set forth in the monthly statements, attached as Exhibit " 3" and as such has improperly retained the benefit(s) conferred upon him/her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant Jerry L Hope in an amount less than the arbitration limits with interest at the rate of 6% per annum from the date of judgment and costs. Respectfully Submitted, Matthew D Urban, Esquire PA I.D. 90963 WELTMAN, WEINBERG & REIS, CO., L.P.A. 436 Seventh Avenue Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 Fax: (412) 434-7959 WWR # 09657097 .~ ~ i ~; ~~ ~ 4 s ' 1 } ! ~, i i. .. 1 ; .j , i i 1 ~. ~ ~iseov~r~ Platinum Card ~ l~cat~or~ - ~- - ~~ iMPDR7A13T: PLEASE PR1NT I~SING ~APlTAL LETTERS AND COMPLETE A!L INFORMATION. Step i Please tell us about yourself ~ F2W ~ oaFaFeumt~+o.ournlr Is~rtnnertts~ pmldee~inHed~eul )stars asr ~ ~Caot~ ;woxc~etnlorlr ;sooias>:ar~ri>uv~x~ No.oFOaeaoeils ycva ala,~acna~law•ka•~d Ita~cmoFa~u~ledarrur~ 'w¢~.n.~v.SR~~i>rt !MO>iers+wr>Frtrlweet~~b~wl' Qol~ilal $ ~~pp ~ ~ ~ ~ Ncaal~ :,.~ i,,a ~rsoasioas+las~e+3a_' ~~~~ _~;1~~~ E~A1AL-twidig tarrndadiw i~aeddmabnvidrauinporladAuauY ifa~atoe andtpdd alfraJ Ste 2 Please fell us about ' ~ur household Finances' ool~acl~ ass a gal >utd~ slUtatt O fAESfnMx p sENOrt fl SOPFbMORE 0 GRADStl,OEN- q FGwr~G+ ~° CdcEGE t~aNE t'0 ~ s~ - ! oo>uuwu~~ A~R1sbvA'G ~~ a Stec 3 Please sign below cur f - -- - -- - - ~i on4R a101lS~lalnwcOhlE~ •, _ _ _ 4 9, o a o ~~""«y~r~ eye Yes, !want the ,~.,,;,~ . L Discaver'® Platinum Card IP) ~ with the NEW Cashback ^ t-- Q,,,~. Bot~us® Plus Program, ca, ~ ~ ~ I Step ~ aatance Ironster eomptr. dw s.~ ao 6danca 61oe~+1~1', t~> a ~u 6~f/$~hmd ~~w nrw iroalxere flliaexn Card. N°'°~ ~ ~ ! i ~ iivw ~ f ! ; ' ~1 NM~'N i ~ ~ 4 ~ ~ i ~ i, !~'141M _ t _.t }- _1 i (r ~ ~ t _~'~' ~~4~!' t!' ~ ~ 1 ~ i I t ~ t 1 =~ ~ r i ~ - { Latlit /`~ I ~I ' e. ,~ I t _.. ~ -i-. .~. 1 _ i dlofne ! I . r t Arauet Y ~ ~_M ~ . , i l ~i. } 4 Cos~labslrs .alias b 6anljes bolanus ~ atler loan aoxunh f tpoi mrdt, shtdant~pulo loons.Ilonls srpliiy, ~ b Your naw piscortA~ialinvpr Cold. ' t i ~ t lane i t i 1Vaaber ~' r ~ s ! y„~ ; t i I ~' i t ~ 1 ! I ~$!r~ is ~e4 1 ~ ~ 1 l i t i i I r ~ q, ~ i 1 ~ ~ldle ~ hP ! i . s t, - - -- i STOP DO - -~ 9657097 ExHisir -L_ ~~scivE~o PLATINUM IMPORTANT INFORMATION ABOUT YOUR ACCOUNT CARDMEMBER AGREEMENT The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of 17isputes section. Yau have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Acceptance of Agreement" section ..........................SEE PAGES 1 - 12 PRNACY POLICY A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of in#ormation. You may limit our sharing of such information with others .........SEE PAGES 13 - 15 BILLING RIGWTS Important information about your rights and our responsibilities under the Fair Credit Billing Act .... . ..............................SEE PAGES 16-'17 CASHBACK BONUS• PLUS TERMS AND CONdITIONS The terms and conditions of the Cashback Bonus• Plus award program, including a description of how we calculate the award and how it is paid......... . .............................. SEEPAGES 17- 19 DESCRIPTION OF COVERAGt: The #erms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile .....SEE PAGES 19 - 2b ©2004 Discover Bank, Member l:DIC Y3740t)4.0404fiL i 5 EXHIBIT ~~ ca 7S c' n m .b•. a a ~ g'a~ ~ ~ 7 ~ ~ "~ ~v 5' Si ~ d - s; Yo f+ ~ /p ae ~ .a ~. ~ 3 's g' °' °.1 Y3 `° 3 ~-~ m ~c y~p c eo Q ~• ro fc ev ,g,2. ~ '- j i' ~ r ~y~, N ~3 -. mtp~ •~~..°i.~rTs. ~Cb~' ~ a.. ~ ~G ~'1! 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You have the right to reject the arbitration provision with respect to your newAccount within 30 days after receiving your Card, as explained in the 'Acceptance of Agreement" section ..........................SEE PAGES 1 - 12 PRIVACY POLICY A summary of the personat information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others .........SEE PAGES 73 - 15 B1LLiNG RIGHTS Important information about your rights and our responsibilities under the Fair Credit Billing Act . , .. . ..............................SEE PAGES 16- 7T CAS#iBACK BONUS° TERMS AND CONDITIONS The terms and conditions of the Cashback Bonus° program, including a description of how we calculate the reward and how it is paid.... ,SEE PAGES 77 - 19 DESCRIPT40N OF COVERAGE The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile .....SEE PAGES 19 - 26 ®2005 Discover Bank, Member FDIC P314001.0505TL16 q+'~t ~ 6ab "" c p '9n i° c b 31 g 5s'4'Pl+'~ey •e3 w saC w ~ '~5 .°.. = ~'b ~ ~ 4 w, ~'c $ g ~ ~ ', $ en d bf' ~ q b ~ @ G ~'r ~ i6 S'~~S ~`~;~OS! ~ '$c„n,~ 'O ~ ~o~=4.E~m t ~°odm ~es~ ~.7d•s~%C~jwN~w ~ '~ t~ OC~ ~ c ~ ~ Q A ~ ~ 7B 7 ~ y~ Y >.~k." o ~ fL O L o'~j 5 c ~;3 ~,c _ ~~~ $ ~-°v o ~5.~ ~ '•~ E~~a o~E.b.'ro6 g`~,e`~o'~ .~.. ~ .4,•-~~ ~~ ;~ E ~^ ..r~e7TCC~f.I+CC~s`~3~+`.ig. o O~ ~+ ~•- •7M6~E J`~'$~O'~a >, q~ b~"..g!pp~~~~++.~m~uc 1O O ~ Ti ~`} o !3'6 ~. ~ `_~' ~a ~~ C ~~ ~-~ ~~~•~ ~5'~'~O-Q+''~¢, ,e- ~ ~'~ ~'$~~ &3G ',Cq~ ~'~"'° O~NyLpx~~ 'y_ g ~ m.^.~° ~> m `A7S $ ~"YSc ff°,~g~~ ~~:~ ~ ~_ .5 0 C a~w° _~'~ ~ c_ c o Pr,3~ o ~ 5 eS~ } in qY~ ~ ~ +' }~~' Q 'yc y~~[ 'W Zy~~pj~ ~ ~ fT {~(yy~ Q ~ ~ },'C'_>$ .r}~b•N~Ce~~~QNFG7 C~'~~Q'S•L~3~'~W~~~~i~fG ~•L'~ >~~"' ~~,~ 0.•~~.Q~¢ ~~ ~g ar~~~!tp~o.~•~~e6~N$0¢a~OWT.3;«°v,~3~v>°-~$~ ~ ~~~~~a~'~~.~~~°~~s .r~ ~o~a~ a5~,~~;cbo$A~~~~4,~~i~.~~~5:~'~g~~~.~~ Y`sro.~5'~'~~=~.c$p~ ~ro~~s~~ Cad{ $ w ~, ~.. g y, , .~' g 55 jg~ y~ ~ _~ ~ a ~'~ wrj Y `ion ' ~a~ Q 7 W p~E Na:~~t S, e`4 m.C ~.f203 O-~ Y~~y, ~$'a~ ~ n tom" L °- e~~°a.~£ 'O~-g ~ ~.~~'~ ~$~rw~ 8E>.oa ~' ~~¢oFo.~'~b~eo~~-o ~ab''~~O3~II?~.°~'°o~~ E ~''^°-~ ~b5 Wowcoa `~~°~ ~~++$e ~ n rn •p -G ~ a.~•.~3 ~. ~.+ c_ ~'2 ~ 0 3r~~' O c_i'.~.~+~.~_ --''~b ~p 5 m o ~a `°'b-roo~c ~o ~' y ~5 EL~ rn Q c~ ,.. +'E o E .~S X1 ~ oc•-= ~~ ~ ~ a ~~ p~> ~ ~~`~ ~ ~ ~~~,a~~s E ¢ ~ B•~~r~ ~~~.y~,' ,,gg~~'~.3 y~~ ~~s.M~ p. ~ jq,v; ~~G.A>. ~,.¢¢3z 7,a^.EE_n 3 ~¢~_ 35b .'s. b~~ow~ E«•~ ~+~.°. b'Sm.Y~~d~~'~i+c~~'91°~9g «°. g'"-g'c«t6- c_~.+ ~t~+~$_~, 3 .°x'~~ .o L° °'s~,"3'•gb.~ o .YCU ~- o'°rn:_' ~o~~E+~, g'eg't. 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O O'~_3 O O _'4 Td4 ?`C.c O~ ~G ~.r R4~ ~N q y tl. ~IOV ~ ~~ yC ~ 4~ C~~ ~ y O'io r.~ ~u~~~`a3 a.o°8fp~~' _~~L.Sc~'~cro ~o,~.t;~w'c ~.~-o°~'~~~om~~7 c~a$i N _KaaY„ o~~•k Z~ ~=r.'~rn~Tov-o~~ °''E~o-'°+'°~'°~'`^ .$•,o °'~ ~° ES ~ ~ hi ~ ~'~ c ~- H c ~ ~' ... yS m b ai'v, _~3 = ~3 'G E °' ~ c +r' L ~ u- pal m N ~~v m w.ma2 ro ~mTao'~O,.IJ'a~ .~`~~~~'~` ~gr'r~o.- ya sa 3 c~~G-a ~•~$;o~ .,~"+S~~=c ,~' a'3o~E.,ornio ~o~'o m.°.° x m ~ ~-gay; o c~m'~¢crg=r8~s v~cd'°y~'os `, .oo~.~tc~-S ?EOg1~ $R ~ Z`~"~ ~ a~~~'-O° ~'j ~ ~ ~~... d' a 3 ~ ~~'`$•GT m f° ~ V.~ rn~j W,G v~^ _ a~~ '~°'Q•c ~a°De,~'. ~ 'v'at" a'o~"c~y'~'""-n° H.aua,~r~~ ffJ°~`•ct-°~~c,-~ o c°-mo,~ a cc.~1•~a`i~ ~'-'a~i~t~ rv.~ ~v"$aY~i~°~ =oai~~w'S ~~g~~d~I~+E~~~~+',;, ~a y >'3 QEc ~.~ooY a~ ~a+ ~o cc~~~ >~rm~c >E 5 ~7+'0°.°.'~$ v°-~`cbe3~~e i~eote:°~v$ ~~~:,~ao.¢~$°v$~ev$o:.'Ev z°O.~ n DISCOVER' IMPORTANT INFORMATION ABOUT YOUR DISCOVER® PLATINUM CARD ACCOUNT CARDMEMBER AGREEMENT The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. Yau have the right to reject the arbitration provision with respell to your new Account within 30 days after receiving your Card, as explained in the Acceptance of Agreement and Right to Reject Arbitration" section. SEE PAGES J - 12 PRIVACY POLICY A summary of the persona! information we collect, when R may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others ... , .... ,SEE PAGES 73 - J6 BILLING RIGHTS Important information about your rights and our responsibilities under the Fair Credit Billing Act ..... ..............................SEE PAGES 16 - 17 DESCRIPTION Of COVERAGE The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile .....SEE PAGES J7 - 23 ®2006 Discover Bank, Member FDIC P314001.0406TL17 CARDMEMBER AGREEMENT Please read ttds Agreement carefully before using your Discover' Card Auaunt k contains the terms and conditions of your Account, some of which may have changed from earlier materials provided to you. in the evert of any differences, this Agreement shall control. we respect your privacy. See the Privacy Section on page 9 and our Privacy Policy far additional infomration. The Arbitration of Disputes Section on page 11 includes a waiver of a number of rights, inducting the right to a jury trial. Acceptance of Agree- ment and Right to Re~'ect Arbitration section on page 2 describes the procedure you must fotlaw ff you desire to reject the Arbitration of Risputes Section. CARDMEMBER AGREEMENT Agreement Terms ........................................... 1 Acceptance of Agreement and Right to Reject Arbitration ......................................... 2 Use of Your Account ......................................... 2 Authorized Users ............................................ 3 Unauthorized Use ........................................... Credit Limit-Available Credit ..... . . ...................... . ... . 3 Promise to Pay .............................................. 4 Monthly Billing Statement .................. . ............ . .... 4 Monthly Payment options .................................... 4 Minimum Monthly Payment ....... . . ........ . . ................ 4 Credit Balances ................................ ..,..., 5 ,,.... Balance Transfers ............................................ 5 Periodic Finance Charges .. . ....... . .... . .. . . . ................ 5 Oe#aultRate Plan ............................................7 Cash Advance TransaRion Fee Finance Charges ................... 7 Balance Transfer Tramsaction Fee Finance Charges ..... . ........... 7 Minimum Finance Charge ..................................... 8 Late Fee . ..................................................8 Cweriimit Fee , . .... . ....... . , 8 Returned Payment Fee.,,...,.. ~ ............................. 8 Returned Discover Card Check Fee ............................. 8 Stop Payment tee ........................................... 8 Pay-byPhone Fee .... . ...... . ...... . ......... . .. . ..... . ..... 8 Research Fee ............................................... 8 Default-Acceleration-Collection Costs ........................ . .. 8 Cancellation ....................................... ,. 9 Privacy .................................................... 9 Electronic Communications ....... . . . . . .......................10 Credit Authorizations ....................................... 10 Change of Terms ............ ............................... 19 Change of Address or Telephone Number ...................... 10 Assignment of Account ...................................... 10 Claim Notices ............................................... 10 Arbitration of Disputes ...................................... it Severability .................................. ... 12 .. .. ..... Compliance with Interest Rate Limitations .. . ...... . ....... . .... . 12 Governing Law .............................................12 AGREEMENT TERMS. The word "Account" means your Discover Card Account The word °Card" means any one or more Discover Cards issued to you or someone else with your authorization. The words "you", "your", or "yours" refer to, in addition to you, the Cardmember, any -~- other person or persons who are also contractually liable under this Agreement. the words "we', °us" and °our" refer to Discover Bank, the issuer of your Discover Card. The words "Authorized User" mean any person whom you authorize to use Xour Auount or a Lard, whether you notify us or not The words "Pricng Schedule" mean the document auompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule is part of this Agreement. ACCEPTANCE OF AGREEMENT AND THE RIGHT TO REJECT ARBTTRAT3ON. The use of your Account or a Card byyou or an Authorized User, or your failure to cancel your Account witthhin 30 days after receiving a Card, means you accept this Agreement, including the Arbitration of Disputes provision on Pages 33.32. You may, however, nsject the Arbitration of Disputes sectron by providing us a notice of resection within 30 days after receiving a Card, at the foNovuing address; Diswver Card, P.O. Box 30938, Salt lake City, UT 84130-0938. If you were previously subject to arbitration with respect to arty account with us, this right to reject arbitration will not apply to you. Your rejection notice must indude your name, address, tele one number, Account number and signature and must not be sent with any other correspondence. Calling us to Indicate that you reject the Arbitration of Disputes section or sending a rejection notice m a manner ar format that does not comply with all applicable requirements is insuffident notice. In order to process your notice, we require that the notice be provided by you directty and not through a third party Rejection of arbitration will not affect your other r' or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. ff you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior acmunt you have had with us, even if you have previously sent a resection notice with respect to that prior account. USE OF YOINt ACCOUNT. Your Account may be used for • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, finandal institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign currency, and wire traru#ers, or by means of dredcs which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditoa or to make other transactions by means of balance transfer coupons or checks, in accordance with su additional terms and conditions as we may offer from time to time. in addition, your Account may be used to guarantee reservations at participating establishments, You will be liable for guaranteed reservatsons that are not cancelled prior to the time specified by the establishment Your Aaount may be used for personal, farm ly, household and charitable purposes. Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agree• meet or for arty transactions that are unlawful where you reside or ~2- where you are sicaily located when you use the Account to initiate the traruaction " ohibited Transactions". Pnor to its use, each Card must be signed by the person to whom it is issued. We are not responsible for the refusal of anyone to accept or honor a Card ar to accept checks that we have provided you. You must return any Card or unused checks to us upon request. if a merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute. ff we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant andlor any third party for the credited amount pon our ree)uest, you agree to provide us with written evidence of wch assignment. Your rigqh~tr and responsibilities under the Fair Credit Billing Act described in the billinngg rights summary on pa es 16-17 and on the back of your monthly biii'mg statement apply on~r to credit card transactions. The Spedal Rule for Credit Card Purchases does not apply to purchases made with a baiarxe transfer check, cash advance, or promotional purdsase check. Therefore, ff you have a problem with the quality of goods or services that you purchased wrth a balance transfer check, promotional purchase check, cash advance check ar the proceeds of a cash advance, you da not have the right to withhold payment of the amount due. AUTHORIZED USERS. H you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us in writing ar by telepphone and destroy any Card in that person's possession. None of your nghtr under this Agreement (other than to pa amounts owed) may be exercised by an person not a party to this Agreement acting pursuant to a power ofyattorney without out separate written agreement (which we are not obligated to give}, UNAUTHORRED USE. if a Card is lost ar stolen, or if you think #hat someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER {1- 800.347.2683), or ~ writing DISCOVER CARD, PO Box 15156, Wilmington, DE 1988 1002. You agree to assist us in determining the facts relating to arty theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our investigation. I# you have enrolled in an automatic billing arrangement< such as a monthly gym membership, and wish to continue the automatic billing arrangement, you must provide the merchant with your new Account number. CREDff UMiTAYAILABLE CREDIT. We wiN advise you of your Account credit limit. We may impose a lower limit that will apply to cash advances, referred to as the cash advance credit limit. We also impose a lower limit that will apply to balance transfers, referred to as the balance transfer credit limit You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Accourrt vedit limit. if you exceed your Aaount credit limit, we may request immediate payment of the amount by which you exceed your Aaount credit limit. We may increase or decrease your Aaount credit limit, your rash advance credit limit, ar your balance trans#er credit limi# without notice. The credit available for your use may, from time to time, be Eess than your Account credit limit. For purposes of determining your available credit, we reserve the right to postpone for u to 15 business days reducing your unpaid balances by the amount of any payment that we -3- receive. Your available credit wiB not be increased by the amount of any credit balance. PROMISE TO PAY. You agree to pay us in U.S. Dollar for all purchases, cash advances and balance transfers including applicable Finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are using your Account ar a Card. We will convert purchases and cash advances made in a foreign currency to U.S. Dollars at the rate we are charged on the date of comrersion. If you pay us in other than U.S. Dollars, we may refuse to aaept the payment ar charge your Account our cost to convert your pa t to U.S. Dollars. All checks must be drawn on funds on deposit in the U.S, You may not rse a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. If your Account is a joint Aaount, each of you agrees to be liable indiaidually and jointly for the entire amount owed on yourActount 1Ne can accept late payments or partial payments ar checks and money orders marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement. MONTHLY BILLING STATEMENT. We will send you a billing statement after each mpnthly billing period in which you have a debit or credit balance, unless we waive our rigght to do so as permitted by law. The billing statement will show atl purchases, cash advances, balance transfers, Finance Charges and other dtarges ar fees and all payments or other credits posted to your Account during the billing period. !t will show your New Balance, Minimum Payment Due and Payment Due Date, MONTHLY PAYMENT OPTIONS. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due. All payments must be made in aaordance with the terms, including the payment cutoff time, stated on your monthly billing statement, and we will credit your Account In aaordance with those terms. {n addition, we reserve the right to change those terms without prior notice as permitted by law. We will appply payments and creditr to the New Balance shown on your current billing statement in order of the Annual Percentage Rate applicable to the balance of each transaction category (as referenced in the Periodic Finance Charges Section}, generally from lowest to highest beginning with the balance sub'ect to the lowest Annual Percentage Rate. We then appl~yy payments an~ credits to airy new transactions using the same metfiod. However, we .have the right to apply payments and credits to balances with higher Annual Percentage Rates prior to balances with lower Annua! Percentage Rates, such as when there are two initial special rates applicable to your Account and the lower Annual Percentage Rate will expire before the higher Annual Percentage Rate. MINIMUM MONTHLY PAYMENT. The Minimum Payment Due each month will be the greater of: (7 $15 or the New Balance it the New Balance is less than 515; or (ii) any amount past due plus the greater of (a) 2% of the New Balance (excluding current Period Finance Charges, Late and Overlimit Pees a (b) wrrent Period Finante Charges plus Late and Overlimit Fees pus 15 {not to exceed 3% of the New Balance), with {a} and (b) rounded up to the nearest dollar. However, the Minimum Payment Due will never exceed the New Balance. In calculating the Mnimum Payment Due, we may subtract certain fees added to your Account during the billing period. We may also include in your Minimum -a- Payment Due ail or a portion of the amount by which your outstanding balance exceeds your Account credit limit as o the last daayy of the billing period. Paying the Minimum Payment Due may be insuffxient to bring your Account balance beknv your Account credit limit and, consequernfy, may not avoid the imposition of an additional Overiimit Fee desaihed in the Overlimit Fee Section. We may from time to time allow you to not make a minimum monthly payment, and will notify you when this option is available. If you take advantage of this offer and do not make a minimum mondtly payment, finance charges and arty applicai~e fees will acwe on your Account in accordance with this Agreement, and you murt pay the Minimum Payment Due for the following billing periods. CREDIT BALANCES. We will refund any credit balance within seven business days from receipt of your written request. !f you do not request a refund, we will autamatical y! refund credit balances greater than $1.00 that remain in your Account after 6 months. BALANCE TRANSFERS. We may periodically offer you the opportunely to transfer balances from other creditors or to make ether transactions to your Account by means of balance transfer coupons or checks. Eadi offer will contain an initial special rate, which will be the Annual Percentage Rate that will appy to transferred balances for the time period spedfied in the offer, subject to the Default Rate Plan Section, and may contain a Balance Transfer Transaction fee Finance Char for each balance transfer made dutin~ the term of the offer, as dis~osed in the offer and as set forth in the Pncing Schedule, If applicable. After the expiration of this time period, the Annual Percentage Rate that applies for purchases will apply to transferred balances. Balance transfers subject to the initial speaal rate are referred to as specal rate balance transfers; balance transfers for which the initial special rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by meaiu of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. ' PERIODIC FINANCE CHARGES, periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Balance, by making paymerMs or receiving credits. However, ff you paid the New Balance on your previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on your current billing statement, we will not impose Perodic Finance Charges on new purchases, that is, purchases first appearing on the current statement. We tail this the ° race period." There is no grace period on balance transfers or cash advances. We sort your transactioru into groups of purchases, cash advances, and balance transfers and then further sort the transacdans within each group by their Annual Perceirtage Rate. For example, purchases subJ'eet to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categeries. At the end of eadt belting period, we compute balances and Periodic Finance Charges far each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction cat cry. Average Darr Balance x number of days in the billing period x Darr Periodic Rate. (YOU may refer to the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction -5- category to get the total Periodic Finance Charges for your Account. The Average Dal y Balance a shown as zero if, because of the grace period, no Penodk finance Charges apply to the balance in a transaction category. We use thetwo-ccyyccle average daily balance (including new transactions) method of calwlating the balance upon which we impose Periodic Finance Charges. This meam rf you did not pay the New Balance shown on the billing statement you received during the previous billing period by the Payment Due Date shown on that statement, we will impose Penodic Finance Charges on new purchases that first appeared on that billing statement, as well as new purchases that first appear on the current billing statemern, unless we already imposed Periodic Finance Charges on the purchases on your previous billing statement We compute the Average Daily Balance for each transaction category by adding up all the dalllyy balances in a killing period for a transaction category and dividEng the total by the number of days in the billing cytle. We compute the daily balance for each transaction category on each day by first adding the fallowing to the previous days dairy, balance: transactions made that day, #ees charged that day and Periodic Finance Charges accrued on the previous day's daily balarxe; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance fo~the previous billing period, we consider the ° revious day's daily balance" to have been zero on the first day of the billing period. If a 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 period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase Vansaction category with the exception of Cash Advance Transactwn Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, ff the special rate has been terminated under the Default Rate Plan, we leave the paid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the ~ecial rate would have expired. The Daily Periodic Rate and corresponding Annual Percentage Rate that apply to each transaction category are either fixed rates or variable rates as set forth in your Pridn~ Schedule or in any special offers you receive €rom us. The Daily Periodic Rate is tl365th of the corresponding Annual Percentage Rate. Variable Annual Percentage Rates are determined by adding a specified number of percentage pants to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage oints)." For urposes of this Agreement, the Prime Rate is the highest rate of'snterest Prted as the "prime rate" in the Money Rates section of The Wa1f Street Jouma/ on the last business day of the month. The Prime Rate is merely a pricing index and does net represent the lowest or best interert rate available to a borrower at any bank at any given time. ff you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes. This change will be effective beginning v+rith the first day of the billing period that begins during the same -6- month az the change in the Prime Rate. An increase in the Annual Percentage Rate wilt usually result in an increase in your Minimum Payment Due. DEFAULT RATE PLAN. We will review your Account on the last day of each billing period to determine the Annual Percentage Rates that will apply to your Account. If we did not receive at least the Minimum Payment Due by the Payment Due Date, then the standard ANNUAL PERCENTAGE RATE for purchases will be increased by five percentage points, not to exceed 28.49%, and remain az either a fixed or variable rate based on the type of rate in effect before the increase. In addition, any special rate on balance transfers and any introductory or promotional rate on purchases that wrrentb applies to your Account, and any such rate thatuve have previously offered to you, wilt terminate and inuease #o be the same rate and change to be the same type (fixed or variable) as the new standard Annua! Percentage Rate for purchases. ff any other Annual Percentage Rate applicable to your Aaount, wch az your Annual Percentage Rate for cash advances, is less than or equal to the new standard Annual Percents Rate for purchases, it will change to be the same type {fnced or variable} as the new rate and if it is tress, it will increaze to the new rate. If any rate exceeds the new rate, ft will not increase or change type. The Prime Rate is the index for any variable rates. Any increased rate and change in type will apply beginning with the first day of the billing period in whidl we did not receive at least the Minimum Payment Due by the Payment Due Date. If your standard Annual Percentage Rate for purchases was increased under this or any previous version of the Default Rate Plan and, #or any nine consecutive billing periods ending after April t, 2006, you pa at least the Minimum Payment Due, if any, by the P errt Due Date, then your Annual Percentage Rate for your new purchases will be reduced and your Annual Percentage Rate for your existing purchase balance may be reduced. Any reduced Annual Percentage Rates wilt apply beginning with the first day of your tenth billing period. CASH ADVANCE TRANSACTION FEE flAIAN{E CHARGES. Unless otherwise spedfied in a cash advance offer, we will charge you a Cash Advance Traruac6on Fee Finance Charge of 3% of the amount of each new cash advarxe with a minimum Cash Advance Transaction fee FINANCE CHARGE of 35.00 and no maximum. The imposition of Cash Advance Transaction fee Finance Charges may result in an Annual Percentage Rate #or cash advances that is higher than the nominal Annual Percentage Rate. All fomu of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Tratuaction Fee Finance Charges for the billing period charged under this Section to any Periodic Fnance Charges calculated under the Periodic Finance Charges Section for each cash advance transaction category and add up these amounts. BALANCE TRANSFER TRANSACTION FEE HNANCE CHARGES. If the balance transfer offer you receive contains a Balance Transfer Ttans- action Fee Finance Eharge, we will charge you a Balance Transfer Transaction Fee finance Charge for the amount of each ba}ante transfer made under that offer. 1f there is a Balance Transfer Transaction Fee Finance Charge in conjunction with the offer you received when you applied for an Attount, rt will be in the amount set forth in the Pricng khedule. The imposition of Balance Transfer Transaction Fee Fnan<e _7_ Charges may rewlt in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total finance Chargge on balance transfers for each billing period, we add any Balance Trarnfer Transaction Fee Finance Charges calculated under the Periodic Finance Charges section for each balance transee trans- action category and add up these amounts. MINIMUM flNANCE CHARGE. We will tharge you a minimum FINANCE CHARGf of 5.50 for any billing period in which some FINANCE CHARGE of less than 5.50 would otherwise be imposed. LATE FEE. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was requsred to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cazh advances, balance transfers, other charges, other fees and Finance Charges at the end of that billing period. If the sum is equal to or less than 5500, the Late Fee is StS, and i# the sum is greater than 35~, the Late Fee is 539. OVERLIMIT FEE. We will charge you an Overlimit Fee each time that; as of the close of a billing period, your oufstanding Account balance exceeds your Account credit limit. This fee may be charged even if the transaction which causes you to exceed your Account credit limit is authorized by us or i# you exceed your Account credit limit due to the posting of Rnance Charges or fees to your Account. The amount of the Overtsmit Feo is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period. If the sum is equal to of less than 3500 and you exceed your credit limit, the Overlimit fee is 515. I# the win is greater than 3500 and you exceed your credit limit, the Overlimit Fee is 534. RETURNED PAYMENT FEE. We will charge you a Returned Payment Fee of 335 each time you pay us with a check or other instrument that is returned unpaid. This #ee will also apply if a debit transaction to a deposit account from which yyou have authorized us in writing, electronically, or orally to periodkally deduct all or a part of an amount you owe us under tha Agreement is returned unpaid. We will charge you this #ee the first time any payment is returned unpaid, even if it a paid upon resubmission. RETURNED DISCOVER CARD CHECK FEE. We will charge you a Returned Diswver Card Check Fee of 529 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. STOP PAYMENT FEE, We may charge a Stop Payment Fee of 315.00 each time we stop payment at your request on a cash advance check, balance transfer check, promotional purchase check, or other promotional check. PAY BY PHONE FEE. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will charge aPay-by-Phone Fee of 315 for each such transfer or payment. RESEARCH FEE. lNe may charge you a Research Fee of 35.00 for each copy of a billing statement or sales slip that you request However, we will not charge a fee rf you request copies in connection with a billing error. DEFAULT ACCELERATION•COLLECTION COSTS. You are in default if you become insolvent; if you file a bankruptcy petition or have one filed against you; ff we have a reasonable belief that you are unable or -8- unwilling to repay your obligations to us; ff you are declared incompetent by a court or if a court appoints a ~uardran for you or a conservator for your assets; if you die; if you fail to comply with the terms of this Agreement; including failing to make a required payment when due, exceeding your Account credit limit, or using your Card or Account for a Prohibited Transaction; or if you fall to make a required pa meet when due an any other account you have with us. it you are in default, we declare the entire balance of your Account immediately due and payable without notice, !f we refer the rnllection of your Atwunt to an attorney or employ an attorney to represent us vuth regard to recovery of money that you owe us, we may charge you reasonable attorneys' fees and court or other collec[ian costs as permitted bylaw and as actually incurred ~y us, inducting fees and costs m connection with any appeal. We may delay enfordng or not enforce any of our rights under this Agreement without losing or waiving any of them. CANCELLATION. You may cancel your Account by notifying us in writing or by telephone and returning ar destroying every Card and unused check that we have provided you. Of course, you will stilt be responsible to pay any amount you owe us according to the terms of this Agreement I# your Account is a 1ornt Account, either Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the terms of this Agreement We may cancel or suspend your Aaount at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. PRIVACY. We respect the privacy of information about you aril your Account. Our Privacy Policy includes a summary of the personal infor- mation we collect, when t may be shared with others, how we safe- guard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read t carefully as it is part of your Cardmember Agreement. As indi- cated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. late payments, missed paymentr, or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover Card, PO Box 45316, Wilmington DE 19850-5316. Please include your name, address, home telephone number and Account number. We may from time to time review your Credit, employment and income records. Our personnel may listen to or record telephone calls between you and our representatives wlthoutnotice to you as permitted b~ law. We may use any medium, inducting but nat limited ,to mar, live telephone tails, automated telephone equipment, prerecorded tele- phone calls, and e-mail to contact you about your Aaount or offer you products or services that may be of value to you. if you prefer not to be contacted in one or more of these ways, call us at 1-800-DISCOVER or write to us at Discover Card, P.O. Box 15358, Wilmington, DE 19850, We provide various methods by which you can obtain information about your Account. We will only release such information to you, any Authorized User that our records indkate is an authorized buyer on your Account, and any other person win your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security meawres cannot insure agaunt unauthorized inqumes. You agree that -9- we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristics about you such as your personal identification number, Account number or social security number, ELECTRONIC COMMUNICATi0N5. We may offer you the opportunity to receive Certain notices from ~ electronicalty rather than through the mail, including monthly billing statements and change of terms notices. The terms and conditions for receiving these electronic communications wilt be described in the offer. CREDIT AUTHORIZATIONS. Certain transactions will require our authorization prior to completion of the transaction. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. CHANGE OF TERMS. We may change any term or part of this Agreement, inducting, but trot United ta, any finance charge rate, fee or method of computing arty balance ~ which the finance charge rate is assessed, or add any new term or part to tills Agreement. tf required by law we wiU send yob a written or electronically delivered notke at least 15 days before the change is to became effective. We may apply anyy such change to the autstandhrg balance of your Account on the effective date of the change and to new charges made after that date. You may be offered the opportunity to reject some of the changes, and if ou do, you must notify us in wrking or electronioUy withbr 15 days after the mailing of the notice of change at the.address provided in the rwtice a# change, in which case your Account vwU be closed and you must pay us the balance that you owe us under the existing terms of the unchanged Agreement. Otherwise, you wiR have agreed to the changes in the ratite. Use of your Account after the effetWe date of the change will be deemed aaeptance of the new terms as of such effective date, even if you previously notified us that you did not agree to the Change. We may also change any term of ~y product, service, or benefit offered in Connection mdth your Aaaunt. We vnll notify you as required by law or by the terms of the product, service, or benefit. CHANGE OF ADDRESS OR TELEPHONE NUMBER. If you change your address or telephone number you must notify us of your new addressor telephone number within 15 days, ASSIGNMENT OF ACCOUNT. We mayselG assign or transfer your Account or any port'son thereof without notice to you. You may not sell, assignor transfer your Account without first obtaining our prior written consent. {CAIN NOTICES. In the evert that you or we have a claim that arises from or relates to your Accaurt, any prior aaount you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initl- atin~, Joining or participating in any Judrdal or arbitration proceeding, as either an individual litigant or member of a class (°Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("tlarm Nodte"), at least 45 days before initiating any Praeeding, explaining in reasonable detail the nature of the claim and any sup- portingfacts; and (2} a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates f ncluding, with _io_ out limitation, Diuover Financial Services LLC), predecessors, successors, assigns, as weA as the officers, directors and emplooyyees of each of these enth+es. Any Claim Notice shall be sent to us at P.O, Box 8040, Hilliard, Ohio 43026 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address"- or to you at your address appearing in our records or, 'rf you are represented by counsel, to your attorney at your attomeyY office. ARBITRATION OF DISPUTES. !n the event of any past, present or future claim or dispute (whether based upon contrail, tort, statute, common law or egwty) between you and us arising from or relating to your Account, any pnor acuwnt you have had w!th us, your application, the relationships whah rewlt from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the Haim or depute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRiA1 ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMCFED. NEITHER YOU N4R WE SHALL BE ENTITLED TO 1O1N OR CONSOLIDATE CLAIMS !N ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE fN COURT OR ARBITRATE ANY CLAIMS A5 A REPRESENTATIVE OR MEMBER OF A CLA55 OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("pass Action Wa'nrer"). Notwithstanding anything else to the contrary in this arb'ttration provision, only a court, and not an arbitrator, shall determine the validity and effect of the pass Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration anth respell to arty rJa+m made by a new party or any new claims later asserted in that lawwit, and nothing undertaken there+n sha11 constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, so long as the claim is pending only in that court and does not exceed +;5,0.00. Your Account involves iirterstate commerce, and this provision shall be governed by the Federal Arbitration Ad (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Assouation (AAA) or the National Arbitration Forum (NAF) in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Avenue, Floor 10, New York, NY 1001 T-5905, www.adrom {phone 1-600-77&7879) or NAF at P.O. Box 50191, Minneapola, MN 55405 (phone 1-800.4742371). No other arbitration forum will be permitted, except as agreed to pursuant to either the Change of Terms section or a wr'rGng signed by both parties. Unless consented to by all parties, no arbitration may be admin'ntered by any administrator that has any formal or Informal policy, rule or pro- cedurethat is inconsistent with or purports to override the terms of thh section At dour written request, we null advance any arbitration filing, adminLstrative and hearing fees which you would be required to pay to pursue a claim or dislwte as a result of our electing to arbitrate that claim or dispute. Send requests to P.O. Box 15192, Wilmington, DE 19886- 1020. The arbitrator will decide who will ultimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you -11- would have been responsible for paying "attorneys' fees and wurt or other collection costs" had the action proceeded in court, In no event wilt you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where wch a payment or re+mbursement is prohibited by applcable law. Any arbitration hearing wiU take place in the federal judidal district where you reside. The arbitrator shall follow appliable wbstantive law to the extent consistent with the FAA and appl+able statutes of Ilmitatioru and shall honor claims of privilege recognized at law and shall be authorized to award all remedies perm+tted by the substantive laws that would apply if the action were pending in court, ff requested by any party, the arbitrator shall write an op~neon containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds 5100,000.00, any party may appeal the award within 30 days to athree-arbitrator panes, which shall review the award de novo. Unless appliable law provides otherwise, the appealing parry will pay the cost of the appeal, regardless of its outcome. However, we will cons+der in good faith ar>y reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection w+th the appeal. Judgment upon any award by the arbitrator maybe enforced in any court having jurisd+ction. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, Discover Finanda! Services LLC), predecessors, successors, assigns, as well as the offscers, directors and employees of each of these entities, and wiN also inure to the benefit of any third party named as a codefendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your r+ hts and obligations under this arbtration provision shall inure to the benefit of and be binding upon all persons co+ttractually liable under this Agreement and all Authorized Users of the Account. This arbitration provision shall survive termination of your Account as well as voluntary paymerrt in full b you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account SEVERABQJTY. If any part of this Agreement becomes unenforceable, it will not make any other part unen#orceable, except that if the Clau Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are +nvolved, then the Arbitration of Disputes seilion will be void with respell to that proceeding. COMPLIANCE WITH INTEREST RATE LIMITATIONS. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. If rt is ever finally determined that, but for this Sect+on, the Finance Charges w other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other charges will be reduced to the maximum lawful amount Any excess amount that you have already paid wilt be used to reduce the outstanding balance of your Account ar will be refunded to you by means of a check in our discretion. GOVERNING LAW. This Agreement and arty claim or dispute arising out of this Agreement Hd6 be governed by applicable federal taw and, to the extent state law applies, Delaware law. _i2_ PRIVACY POLICY We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mind knowing that that the security of your persona{ information is our top priority. We understand yore concerrss about guarding information aboutyou and your Account. We want.to assure you that we have taken steps, and will wntinue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. It irxludes a summary of the following important infarrnation: A listing of the personal information we collect; • The circumstances In which we may shaze infonnation with others; • The ways we safeguard the confidentiality and security of information; and • The steps you may take to lindt our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we collect and share informatron. 1. What Personal Information Do We ColEed? To serve you better and manage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from corssumer reporting agencies, and from other sources, such as our Web sites. For example: • We may obtain information such as your name, address and date of birth from applications and o#her forms you submit to us, • We may obtain information such as Acmunt balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. • We may obtain information such as the balances of your loanswith other {enders and your payment history with others from conwmer reporting agencies. • We may obtain information such as your Internet service provider, your email address, your computer's operating system and Web browser, your Web sRe use and your product and service preferences from your visits to Web sites. 2. is Personal Information Shared With Others? We limit the sharing of information with others. Many ofi the offers you receive for products and services are provided directly to you from us. for example a retailer that accepts the Discover' Card may come to us with a special offer for Cardmembers, such as a discount certsficate or product upgrade. After careful corssidera#ion of the nature of the offer aril the company, we will create a list of Cardmembers who may be interested in the offer based on Certain characteristics. We will send the offer directly to those Cas-dmembers on behalf of the retailer by, for exam~(e, including an insert in their monthly billing statement or mailing the offer ourselves. We control the irs#omsation used to make the offer; we do not share the I'~st or any informa#ion about our Cardmembers cards ifie retaier. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then darn information about you because only Cardmembers with certain characteristics received the offer. There are, however, circumstances in which we may share the information -i3- we collect about you, as described in Section 1, with other companies in order to provide you with access to acts and services and to servce your Account effectively, as detailed low. We require these cam ies to adhere to our privacy standards and to use the information only for the limited purpose for whxh it was shared. We do not allow them to disclose h to others without our prior approval. a. Sharing Persona!lnformation with Our Corporate famiy We are part of the Morgan Stanley family of comp~sies. Our corporate family offers a wide vanety of products and services that tan help you manage your finances. In order to provxfe you with access to these ~oducts and services, we may share the information we collect about you, as described in Section t, anth other members of our corporate famsly. These companies include financial service providers that offer mortgage lending services, securities and asset management services, investment opportunities and mutual funds, and may include non-finandat service providers to the future as our corpora#e fam'sly corrtinues to grow. b. Sharng Personal Information with Non-Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with nonaffiliated third parti including those that accept the Discover Card, in order to provide you wit attess to products and services offered directly by these companses that may be of value to you. These companies include financial service provsders, such as insurance companies, and non-financial companies, such as retailers. c, Sharing Personal Information with Others We may share the informa#ion we collect about you, as described in Section 1, with companies that perform support or marketng services on our behalf, such as mailing, market research and data processing; other financial insthutsons with which we have JJoint marketing agreements; or companies that are our partners for cobrand credit card programs or reward programs. We may also share such iritormation as permitted by law. 3. How Oo We Protect The Confidentiality, Security and tntegrity Of Information About You? We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it iii order to service your Account or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support servues, we require them #o conform to our pnvacy standards. It is important that the information we maintain about you is accurate and complete, !f you see information in your monthly billing statements or elsewhere which suggests that our infarmabon is incomplete or inaccurate, please write to us at Discover Card, P.0. Box 30943, Salt Lake City, UT 84130-0943 so that we can update this information. 4. Now Can You limit Shxing Of Irsformatiars About You? We respect your privacy and offer you choices as to whether we may share information about you with others. You have the option to tell us not to share the information we collect about you, as described in Section 1, with non-affiliated third parties. You also have the option to tell us notto share certain information we tolled about you, as described in Section 1, vvith companies in our corporate family. However, this option is limited to information about your eligibility for credit obtained from your -14- application, such as your income, and from consumer reporting agencies, such as your aedit history. if you indicate a preferexe for either of these options, please understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources or manage your finances. To indicate your preferences, please calf us at 1-80Q-d25.52U2 or write to us at Discover Card, P.O. Box 30961, 5ait Lake Gty, UT 84130-0961. If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you deade to change your preferences. Your vrrrtten request should include your name, address, telephone number and Account number(s) and should riot be sent with any'other correspondence. In order to process your request, we require that the request be provxled by you directly and not through a third party. You will need to provide us whh your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain m effect until you notify us otherwise. We will honor yout request and not share this Information exce as permitted by law, For example, federal law permits us to share info mation about you with consumer reporting agences, service providers and flnandal institutions with which we have joint marketing agreements. It also permits us to share information about our expenences and transactions with you, such as your Account balance and payment history with us, with other members of our corporate family. If you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days afterwe provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, lease understand that you may continue to receive marketing offers dPrecdy from other Companies that were already in production prior to the processing of your request, This Privacy Poiiry is provided to the pprimary Cardmember listed on the Account However, any lomt Cardmember has the right to notify us about pre#erences and we wrll treat that request as applying to the entire Account. We do not share in#ormation about former customers, except as permitted bylaw This notification supersedes all previously issued Pnvacy Policies. We reserve the right to amend this Privacy Pohry from time to time and we will notify you d we do so. Thb Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Inwrance Agenry, Inc, and Discover Products Inc. it applies to the family of Diuover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection Huth the service, which will not be shared). R is part of your Cardmember Agreement and provides a further explanation of how we tolled and share Information. You may have other r;Qhts under state laws that apply to this information. Please note that you vnll also receive privacy notices for other credit wrd accounts you have with us, as well as other finandai products and services provided to you by us and our affiliates. You will need to indcate your preferences for each of these separately as disclosed in the notice. Vermont Residents -Your state law requires financal institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with nonaffiliated third parties or companies in our corporate family unless you calf us at t-800-DISCOVER and authorize us to do so. _15_ Caifomia fiesiderrts -Your state law requires financial institutions to obtain your consent prior to sharing informatrarr about you with non- affiliated third parties. Except as permitted b~yy law, we will not sfiare information we collect about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities undarthe Fair Uedit Billing Act. t. Notify Us in Case of Errors or Questions About Your BiN if you think your bill is wrong, or if you need more information about a transaction on your brl~ write us on a separate sheet of paper at the address listed on your bill for Notice of BilUng Errors. Write to us as soon as posable. We must hear from you no later than 60 days after we sent you the first lali 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 fallowing information: • your name and Account number. • your dollar amount of the suspected error. • desUibe'the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. I# you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on ark amount you think a wrong. To stop the payment, your letter must reach us three business days before the automatic payment n scheduled to occur. 2. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corcected the error by then. Within 90 days, we mus# etther correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, ~ report you as delinquent. We Carr continue to hill you for the amount you question, including finance charges, and we can apply any unpaid amount against your Account credit limit. You do not have to pa any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. ff we find that we made a mistake on your bill, you will not have to pay any finance chazges related to any questioned amount. ff we didn't make a mstake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned amount. In either ~ we will send you a statement of the amount you owe and the date that it is due. 1f you fa'sl to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reimrted you to. We must tell anyone we report you to that the matter has bean settled between us when it finally a. if we don't fol{ow theme rules, we can't tolled the first S50 of the questioned amount, even it your bill was totted. _ 16.. 3. Spatial Rule For Credrt Card Punhases ff you have a problem with the quality of goods or services that you purchased vJrth a credit card, and you tried in good faith to correct the problem with the merdtant, you may have the right not to pay the remaining amokmt due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in yore home state or, ff not within your home state, within 100 miles of your ctment mailing address; and (b) the purchase price must have been more than 550. These limitations do not apply ff we own or operate the merchant, or if we mailed you the advertisement for the goods or services. DESCRIPTION OF COVERAGE SCHEDULED AiR TRAVEL ACCIDENT INSURANCE. Discover' Platinum Cardmembers are provided with up to 5500,000 Scheduled Air Travel Accident* protection. whenever you use your Discover Platinum Card (the "credit card") to charge your entire Common Carrier Fare Tcet on any Commercial Airuaft operated by a Scheduled Air Carrier under a Ucerue for the transportation of passengers for hire (herein calved Scheduled Air Carrier), you automatically receive thrs valuable coverage at no addnional cost The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida. :coverage is underv~rttten by National Union dire Insurance Company of Pittsburgh, PA (the "Insurance Company"), with offices in Naw York, NY. Certain limtations and exclusions apply. PLAN FEATURES Benefit Amount: 5500,0 Family Aggregate Princi{rat Sum ACCIDENTAL DEATH BENEFITS. Inwrance coverage will be equal to the benefit amount for acddental loss of Iffe. The loss must oaur wfthin one year of the accident that caused the Injury. Family Aggregate Principal Sum means the total amount of insurance in force on the Cardrriember,,his or her spouse and their dependent children for an one accident. ff more than one Insured Person dies as the rewlt of the Injuries received in any one accdent, the Family Aggre to Princpa! Sum will be prorated and paid in accordance with the claim payment and benefitdary provisions of the Policy. Once the Family Aggregate Principal Sum is paid for any one Insured Person in a Family that occurs as the resuR of any one accident, no further benefits are payable for further deaths in that Family due to injuries received in the same accident Maximum Acddental Death benefits payable under the Policy, if more than one Wrdmember suffers a loss from the same accdent, are limited to an aggregate of 520,000,000 for ail Cardmembers combined. Any reduction of benefits rsecessary to com y with this limitation will be made on a proportionate basis to eadi Car member up to this a~regate limit of liability. As u~d herein, Wrdmember means cardmem his or her inwred spouse and insured dependent children. This aggregate limit dog not replace or m any way affect the Fermi h! Aggregate Prmupal Sum stated under the Polity. "Injury° means bodily injury: (a) which is sustained as a direct result of an urnrrtended, unantidpated accident that is external to the body and that occurs while the injured person's coverage under this Policy is in force, aced _77_ (b} which directly (independent of sickness, disease, mental infirm'sty; bod1y'mfirmity err any other cause) causes a covered loss. DISAPPEARANCE BENEFffS. We wifl presume you suffered log of life due to an accident if:yoa are riding in a Scheduled lur Cattier that is involved in a covered acddent and as a result of the auiderst, the Scheduled Air Carrier a wrecked, sinks, or disappears; and your body is not found within one (~) year of the accident The total of all benefits payable for you, your spouse and yyoour dependent ctrUdren fran the same acddeM wRl not exceed the 5500,0 Family Aggregate Prndpal Surn. ELIGIBILITY. This automatic insurance is provided to eligible holders of the credit card whose names wear on the credit card, their spouses and their unmarried d~enderrt children under age 19 {a a 23 if attending school on a fuU-time`basis and fidiy dependenrt on you for wpport). However, the age limit does not apply to a chrld who is incapable of self-sustaining employment by reason of mental or physical incapacity. EFFECTNE DATES. Your insurance under this plan B effective on the.later of. 1)lufy 1, 2001; or 2) the date you become an el~gr'ble person. Your insurance under this plan wail cease on the earlier of: 1} the date the insurance coverage is terminated; or 2) on the date you cease to be an eligible hglder of the credit card. THE BENEFICIARY. Unless you desi Hate otherwise with a benefidary designation form, your death benef~ will be paid, in equal shares to the first wrviving class of those that follow: {1} your spouse; (2) our children; (3) yoke parents; or (4} your brothers aced sisters. ff no lass has a wrvivor, the Beneficiary rs your estate. You may deange your beneficiary by writing to the Insurance Comppany at: Accdent & Heahh Division, 500 West Madison Street, Suite 225D, Chicago, IL 60661. CLAIM PROCEDURE. Uaim forms may be obtained through the Insurance Comp Uaims for benefits must be filed with the Inwrance Company within days or as soon as reasonably possible after the loss oaurs PLAN OF INSURANCE COVERAGE. You, as a Cardmember, and your sppouse and children will be covered against injuries that result in an accidental death while as a passenger in or an, Including getting in or out of, or on or off of, any Scheckrled Air Wirier ff the Common Carrier Fare Ticket for the flight was charged to your credit card. Companiae tickets issued for free with the purchase of afull-fare common carrier ticket and used by a spouse or dependent dlild will be considered as fully char to the credit card, if the corresponding full Common Carrier Fare icket u charged to the credit card. Covererge is effective when you board the Scheduled Air Carrier, provided the full Common Carrier Fare Ticket is purchased, or the travel reservation is made for the companion tickets, prior to boarding such Scheduled Air Carrier. Coverage ends when you alight from the Scheduled Air Carrier. EXCLUSIONS. Benefiitt are not payable ff the loss is caused by or rewlts from: 1} self-inflicted injury or suicide; 2) sickness, disease, or mental incapadty or bodily infirmity whether directly or indirectly; 3) infections of any kind regardless of how contracted, except bacterial infectiors that are directly caused by botulism, ptomaine poisoning or an aaidental at or wound independent and in tlee absence of any underlying sickness, disease or condition including but not limited to diabetes 4) committing or ahempt~g to tommrt a f~ot~y; 5) war or act of war, declared err undeclared; or (6) travel or flight in or on any vehicle used for aerial navigation, as a pilot, operator or crew member. - 78- LIMITATIONS. Benefits will only be payable under one Cardmember actour~, the a~ed'd card under which the Common Carrier fare Tickets were fuEly charged. Benefits are not payable for losses due to injury sustained white on a trip .for which the tickets were purchased with a frequent flyer voucher. Complete provisions pertaining to this plan of insurance are contained in Policcyy k9029072 issued by Naronal Union fire Insurance Company of P'ittsburghr PA with offices in New York, NY. The premium for thrs insurance rs pa'~d by Diuover Fnarxial Services LLC, out of income derived from its credit card operation. Please read this Description of Coverage. Keep it in a safe place with your other insurance dauments. This Description of Coverage (Form Number 530365DOC) is not a contrail of insurance but is simply an informative statement to each ellgrble individual of the principal provsions of the inurance while in effect 1f a conflict exists between a statement in this Description of Coverage and any prov~ion in the Policy, the Policy will govern., aims administered by: A&H Clarets Department, P.O. Box 15701, Wilmington, DE 19850-5701, (800} 55t-0824, SECONDARY RENTAL CAR COWSION COVERAGE PROVIDED TO DISCOVER PLATINUM CARDMEMBERS DESCRIPTION Of COVERAGE. COVERAGE DESCRRTION: • Secondary Rental Car CollLsion Coverage will reimburse You or the Rental Agency for Covered Damages as a result of Collision Damage on an excess basis (over and above airy amount due from any other valid and rnllectr'ble imvrarxe or any other form of reimbursement payable by those responsible for the loss) on a secondary bass. Covered Damages are those amounts, up to EZ$,000 per incident, on daims for Collision Damage to the Rented Automobile for which You or any authorized driver n legally responsible to the Rental Agenc)r. In no event will We be liable beyond the amounts actually paid bby etther You or the Rental Agency. Reimbursement wilt be on an Actual Cash Value basis. • From the amount of reimbursement due, the amount of any vaNd and collectible insurance, Or the sum of SO (whidrever is greater}, shalt be deducted. DEFINRIONS: • Actual Carr V~ue mean the cost to repair or replace the Rented Automobile at the time of Collision Damage, less depredation. • Collision Damage mean the direct and auidental darrfa~e to a Rented Automobile Caused by upset or collaion with another obiect • Oir~bie Card means the Discover Platinum credit card. • Loss of Use mean the charges imposed by the Rental Agenry, for which You are liable, due to Coliiuon Darrrage to the Rented Automobile, for the period of time the vehicle is be'sng repaired. • Rental Agency means a commerda! automobile rental company licensed under the laws of the applicable jurisdiction. • Rented Automobllemean afour-wheeled ivate passenger-type motor vehicle or a minivan manufactixed and d~sign to transport a maxi- mum of eight passengers and used exdusi+rely to carry passengers. R must be designed for travel on public roads and rented from a licensed Rental Agency, -19- • We, Us and Our means Virginia Surety Company, Inc. • You or Your means the eligible Cardholder, hereinafter referred to as Cardmember, ha ar her spouse, and unmarried children urxier the age of 19 (or age 23 if a full-time student at an accredited eolkge or u ' }. Spouse mdudes damatk partner, which mearu a person designated and Listed as a domestic ppaartner on the amount of the primary Car - member, who b at least 48 years of age, and who during the past 12 months: a) has redded in the same ha~seFiold as tare primary Card- member, and b) has been jointly respouible with the Cardmember for each other's financial obligations, HOW TO GET COVERAGE: • initiate and pay fa the entire rental transaction with Your EBg~le Card. If a coupon or voucher of arty kind is mitialiy applied toward payment of the Rented Automobile, at least one day of rental must be d>arged to Your Eligible Carck and • Decline the collisionlloss damage waiver offered by the Rental Agency; and • You must rent the car in Your own name and sign the rental car contract. Coverage does not apply if You pay for someone else to rent the car. • It is not necessary for You to notify Us at the time of rental. WHO 15 COVERED: • You WHERE YOU'RE COVERED: • Coverage a available in the fifty (SO) United States of America and Canada. Coverage is not applicable where preduded by lava or in violation of the temtory terms of the rental agr~ment or prohibited by individual merchants. PERIOD Of COVERAGE: • Coverage b~q~ when You pick up the car and ends when You turn it in to the Rental'Agency. • The period of coverage shall not exceed thirty-one (31) consecutive days, EXCLUDED RENTAL VEHKLE: • Trucks; recreational vehides; cammpperr, pickup trucks; minibuses full-size vans mounted on trtxk dtassis; vehides manufactured to seat more than eight occupants; vehides when used to carry, hard or transport any type of cargo or property; off-road vehides trailers; motorbikes; motorcycles and motor scoots antique motor vehides (which means vehicles over 25 years old or any vehide which has not been manufactwed for 10 years or more); limousines high-value motor vehicles (those whose replacement value exceeds ~50,0~); limited-edition motor vehides (whkh are higgh-value, exotic, high-performance or collector-type vehidesr spedal-interest or exotic cars (inducting Aston Martin, Bentley, Bridclin, Daimler, Delorean, Excaiibur, Ferrari, ierrsen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce or similar vehkles, selected modek of BMW, Mercedes-Benz, Cadillac, and Lincoln). WHAT IS l~ COVERED: • Coverage is not all-indusive, which means it does not cover such things as personal injury, personal I'iability, or persona[ property. In other words it does not cover You #or damage to someone else's vehicle, or property, Your properly a personal property inside the vehicle, it does not cover You for any injury to any party, -zo- • Losses resutting from any dishonest, fraudulent or viminal act • Loss resulting from forgery. • Loss that occurs while You' are in violation of the Rental Agreement • Loss due to driving while intoxicated (as defined by the laws of the jurisdiction where the loss occurred), or under the influence of any narcotic unless p~esaibed by a physican, reckless driving, ~kx due to contraband or illegal activities. • lrrtentional loss or damage. • Loss resulting from hostility of any kind (including declared war, undeclared war, invasion, rebellion, riot, doll commotion, or insurrection) or cordiscation by authorities. • Loss due to nuclear reaction or radioactive contamina#ion. • Loss as a result of hail, lightning, flood, earthquake, windstorm, water, or other weather-related causes. • Loss resulting #rom falling objects, fire, theft or larceny, explosion, malicious mischief or vandalism. • loss or theft of personal belongings. • Loss caused by someone ofher than You. • Loss due to wear and tear, factual depreciation, freezing, mechanical or electrical breakdown or failure. • Blowouts and fire damage unless the foss is coincident with a covered loss, • Depreciation, administrative, Loss of Use, or other fees charged by the Rental Agency. • A single renta!lcontrad of more than thirty-one {31) consecutive days. • Bade-4o-back rentals for more than thirty-one (31) consecutive days (a bade-to-bade rental is two or more rentals of the same or different vehicles v~ithin the same cry, with the first ending and next beginning within a 24-hour period). • Leases or mini-ceases, • Expenses assumed, waived, or paid by the Rental Agency or its inwrer. • Any obligation You assume under any agreement (other than the standard rental car agreement). • Loss resulting from an authorized driver's sack of reasonable care in Protecting the Rented Automobile before a after the loss oaurs mc{uding, but not limited to, mysterious disappearance of the rental car keys, leaving the rental car mm~ing while unattended, etc. • Oamage sustained on any road not regularly maintained by a municipal, state, ar federal entity. • Lass or damage resulting from use of vehicles unlicensed for road use. • Expenses reimbursed by your insurer, employer, or employer's insurer. • Loss resuting from use of the Rented Automobile in tests, races, or <ontestc. • Loss resulting from use of the Rented Automobile to carry passengers and property for hire. • Losses acurring in states or countries where prohibfted by law • Losses not reported within the time period provided, as stipulated in the claim procedure. • Coverage will not pay for, or duplicate, the collisionlloss damage waiver af€ered by the Rental Agenry. -21- HOW TO FiLf A tlAlirR: • After Collision Damage occurs, You must contact the administrator, Aon innovative Solutions, P0. Box 220, Golden, CO 80402, so coverage can be verified and a claim form sent to You. You must report any Collision Damage within 45 days of the incident, or We will not be able to honor Your claim • Report within 24 hours any damage or iou to the appropriate official representative, including the police and Rental Agency. • Complete and sign the claim form and attach all appropriate dowmentation, including a copy of: • The account statement showing the Rental Agenry transaction; and • The automobile rental agreement {front and back); and • The police report; and • The initial claim report submitted to the automobile Rental Agency; and • The paid claim presented by the Rental Agenry for the Collision Damage for whidk You are responsible; and • Proof of submission of the loss to and the results of any settlement or denial by the applicable insurance carrier{s); and • If no other insurance is applicable, a notar'~zed statement from You to that effect; and • Any other documentation We may request. + Be sure to submit ail above required documentation to the administrator within 180 days of the incident, or as soon as reasonably possible, or the claim will not be honored. • It is a condition of this coverage that You, as often as may be reasonably required by Us, will submit, and within Your powar cause others to submit, to examinations under oath and will produce for examination all writings, books of accourrt, bills, invoices and vouchers, or certified copies thereof, at such reasonable time and place as We may designate and wail ~rmR extracts and copies thereof to be made. • If payment is made under the Secondary Rental Car Collision Coverage, We are entitled to recover such amounts from other parties or persons. Any party or person to or for whom We make payment must transfer to Us his or her rights to recovery against any other party or person. You must do everything necessary to secure these rights and must do nothing #hat wrould jeopardize them, or these rights will be recovered from You. However, We will not require reimbursement against Your personal insurance carrier, but You agree to repay Us for any reimbursement, up to the amount of any recovery from Your persona I insurance carrier. FOR NEW YORK RESIDENTS: The amounts of insurance set forth in this section are the maximum allowed by New York law. Actual amourrts of insurance may be lower under the coverage: • Secondary Renta! Car Collision Coverage will reimburse You or the Rental Agency for Covered Damages as a resuR of Collsion Damage on an excess basis (over and above any amount due from any other valid and collectible insurance or any other form of reimbursement payable by Chase respomible far the loss} except when the Rented Automobile is used outside the United States, its territories and possessions, or when the Eligible Card was issued to You as an employee of an organization which has provided the Eligible Card for business use, in wh~<h case coverage is primary. _22_ Secondary Rental Car Collision Coverage is an insurance program. Reminder. Please refer to the Insurance bisdosures section. CDW (2100) ~surance Disclosures: Secondary Rental Car Collision Coverage is provided under a master polity of insurance issued by Vrginia Surety Company, Inc. (hereih referred to as Company), Ail information in this Description of Coverage (DOC) almut theme benefits is subject to the terms arsd conditions of the master policy. Coverage under Secondary Rental Car Collision Coverage is effective July 1, 2001. Insurance benefits are provided to Cardmember accountholders (indivic~als who have an open and active Discover Platinum credit card account) free of charge and enrollment is automatic. This DOC replaces all prior DOC's, program descriptions, advertising andlar brochures by any party. We reserve the right to change the benefits and features of all these programs. Discover Financial Services tLC, or the Company can cancel or choose not to renew the Insurance wvera~es for ail Inwreds. If this happen;, Discover Finandal Services LLC, will notify the Cardmember acwuntltalderat least 30 days in advance of the expiration of the policy or as permitted by law. Such notices need not be given if substantially similar replacement coverage takes effect without interruption and is provided by the same insurer. Insurance bene~+ts wilt still apply to car rentals comrr~nced prior to the date of such cancellation ornon-renewal, provided all other terms and conditions of coverage are met. The inwrance benefit applies to you, the Insured, whose cards are issued by U.S. finanaal imtitutions. These benefits do not apply if Your Eligible Card rivfleges have been suspended or cancelled. However, insurance benetprts will still apply to car rentals commenced prior to the date that Your fligible Card account is suspended or cancelled provided all other terms and conditions of coverage are met. All parties are expelled to exercise due diligence and prudentjudgement to avoid or diminish any loss to the property insured under this program. Coverage wilt be void 'rf, at any time, the Cardmemlxr has concealed or mi~epresented any material factor circumstance concerning this coverage or the subject (hereof or the Cardmember's interest herein, or in the case of any fraud ar false swearing by the Irxured relating thereto. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under ar arising out of this coverage. Salvage may be requested by the administrator. if salvage is requested, it must be remitted to the administrator at the Cardmember's expense. failure to remit requested salvage may result in denial of the claim. No action at law or in equity shall be brought to recover on this coverage prior to the expiration of 60 days after proof of loss has been furni~ed in accordance with the requirements of this DOC. ID (2/00) -23- DISCOVER' YOUR DISCOVER® CARD ACCOUNT CARDMEMBER AGREEMENT Pages 7-75 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your newAccount within 30 days after receiving your Card, as explained in the "RighttoRejectArbitration" section at page 74. PRIVACY POLICY Pages 75-78 A summary of the personal information we collect, when it may be shared with others and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 7, BILLING RIGHTS Pages 78-79 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE Pages 20-28 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE Page 28 The terms and conditions of this free travel assistance benefit. CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover' Card Account. It contains the terms and conditions of your Account, some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreement shall control. We respect your privacy. See the Privacy section on page 10 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 12 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 14 describes the procedure you must follow if you desire to reject the Arbitration of Disputes section. DEFINITIONS ......................... 2 USING YOUR ACCOUNT ............... 3 Your Acceptance of this Agreement ... 3 Permitted Uses of Your Account....... 3 Prohibited Uses of Your Account...... 3 ©2008 Discover Bank, Member FDIC TL20A.0508 ~ 2 Purchases and Cash Advances in Foreign Currencies ......................... 3 Cash Advances ..................... . 3 Balance Transfers ................... 4 Credit Authorizations ............... 4 Authorized Users ................... 4 Unauthorized Use .................. 4 Your Credit Lines ................... 4 MAKING PAYMENTS .................. 5 Promise to Pay ..................... 5 Monthly Billing Statement........... 5 Monthly Payment Options........... 5 Automatic Billing Arrangements...... 5 How We Apply Payments ............ . 5 Minimum Monthly Payment ......... 6 Skip-A-Payment Offers .............. 6 Credit Balances .................... 6 FINANCE CHARGES ................... . 6 How We Calculate Periodic Finance Charges ........................... . 6 How We Calculate Your Balances ..... 7 Two-Cycle Average Daily Balance Method .................................. Variable or Fixed Interest Rates....... 7 8 Default Rates ...................... 8 Cash Advance Transaction Fee Finance Charges ........................... 8 Balance Transfer Transaction Fee Finance Charges ........................... 9 Minimum Finance Charge ........... 9 FEES ................................ Late Fee .......................... 9 9 Overlimit Fee ....................... 9 Returned Payment Fee .............. 9 Returned Discover Card Check Fee .... 9 Pay-By-Phone Fee .................. 10 Research Fee ................ 10 ...... DEFAULT AND CANCELLATION ........ 10 Types of Default .................... 10 Consequences of Default ........... 10 Cancellation ....................... 10 PRIVACY AND OUR COMMUNICATIONS WITH YOU .................. 10 ........ Our Privacy Policy .................. 10 Reporting to Credit Reporting Agencies 11 Our Communications with You ...... 11 Releasing Information About Your Account .......................... 11 Electronic Notices to You ........... 11 Notices -Changes to Your Information 11 CLAIMS AND DISPUTES ............... 11 Merchant Disputes ................. 11 Claim Notices .... 11 .................. Arbitration of Disputes .............. 12 Right to Reject Arbitration........... 14 LEGAL INTERPRETATION OF THIS AGREEMENT ........................ 14 Severa b i I ity ........................ 14 Compliance with Interest Rate Limitations .................................. Governing Law ..................... 14 14 ASSIGNMENT OF ACCOUNT............ 14 CHANGES TO THIS AGREEMENT........ 15 DEFINITIONS "Account" means your Discover Card Account. "Authorized User" means any person whom you authorize to use your Account or a Card, whether you notify us or not. "Card" means any one or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule is part of this Agreement. "We," "us"and "our" refer to Discover Bank, the issuer of your Discover Card. "You," "your" or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement. The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, including the Arbitration of Disputes section on page 12. You may, however, reject the Arbitration of Disputes section as explained on page 14. Permitted UsesofYourAccount.YourAccount may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservationsthatare notcancelled priortothetimespecified bytheestablishment. Your Account may be used for personal, family, household and charitable purposes. Prohibited Uses of Your Account. Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agreement or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Currencies. We convert purchases and cash advances made in a foreign currency to U.S. dollars. We use the conversion rate used by Discover Network to process the transaction in accordance with Discover Network's procedures. Currently, Discover Network uses agovernment-mandated rate, agovernment- published rate or the interbank exchange rate, depending on the country and currency. Regardless of source, the rate used will be the rate in effect on the date Discover Network processes the transaction or the prior business day, depending on the time received. Transactions in China are converted at a rate in effect on the date of the transaction. Cash Advances. We may periodically offer you special rates on cash advances for the time period specified in the offer, subject to the Default Rates section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. After theexpiration ofthespecial rate,thestandard Annual Percentage Rate for cash advances will apply. 3 4 Balance Transfers. We may periodically offer you the opportunityto make balancetransfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain an initial special rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rates section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, if applicable. After the expiration of this time period, the Annual Percentage Rate that applies for purchases will apply to transferred balances. Balance transfers subject to the initial special rate are referred to as special rate balance transfers; balance transfers for which the initial special rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. Authorized Users. If you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us and destroy any Card in that person's possession. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom it is issued. If a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER (1-800-347- 2683), or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. You agree to assist us in determining the facts relatingtoanytheftorpossibleunauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our investigation. Your Credit Lines. We will advise you of your Account credit line. We may impose a lower line that will apply to cash advances, referred to as the cash advance credit line. We may also impose a lower line that will apply to balance transfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit line. If you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line. We may increase or decrease your Account credit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. MAKING PAYMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balancetransferslncluding applicable Finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are using your Account or a Card. If you pay us in other than U.S. dollars, we may refuse to accept the payment or charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. If your Account is a joint Account, each of you agrees to be liable individually and jointly for the entire amount owed on your Account. We can accept late payments or partial payments or checks and money orders marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement. Monthly Billing Statement. We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account during the billing period. It will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month`s payment is returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement. See the Minimum Monthly Payment section on page 5. Monthly Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms, including the payment cutoff time, stated on your monthly billing statement, and we will credit your Account in accordance with those terms. In addition, we reserve the right to change those terms without prior notice as permitted by law. Automatic Billing Arrangements. If your Account number and/or Card expiration date changes and our records indicate you have automaticbilling establishedwith amerchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that you verifythe merchant hasyour newAccount information. You must contact the merchant directly if you do not wish to continue the automatic billing arrangement. How We Apply Payments. We will apply payments and credits to the New Balance shown on your current billing statement in order of the Annual Percentage Rate 5 6 applicable to the balance of each transaction category (as referenced i n the Fi Hance Charges section}, generally from lowest to highest beginning with the balance subject to the lowest Annual Percentage Rate. We then apply payments and credits to any new transactionsusingthesamemethod.However, we have the right to apply payments and credits to balances with higher Annual Percentage Rates prior to balances with lower Annual Percentage Rates, such as when there are two initial special rates applicable to your Account and the lower Annual Percentage Rate will expire before the higher Annual Percentage Rate. Minimum Monthly Payment. The Minimum Payment Due each month will be the greater of: • the New Balance if it is less than $15; • $15 if the New Balance is $15 or more; or • any past due amount plus the greater of: • 2% of the New Balance (excluding current Periodic Finance Charges, Late and Overlimit Fees) rounded up to the nearest dollar or • current Periodic Finance Charges plus Late and Overlimit Fees plus $15 (not to exceed 3% ofthe New Balance) rounded up to the nearest dollar. We may also include some or all the amount by which you exceed your Account credit line. If more than 90% of your New Balance consists of special-rate balance transfers, we may, atourdiscretion, increaseyourMinimum Payment Due to a maximum of 4% of the New Balance if it would otherwise be less than that. We may subtract certain fees to calculate the Minimum Payment Due. The Minimum Payment Due will never exceed the New Balance. Paying the Minimum Payment Due may be insufficient to bring your Account balance below your Account credit line and, consequently, may not avoid the imposition of an additional Overlimit Fee described in the Overlimit Fee section. Skip-A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business days from receipt of your written request. If you do not request a refund, we will automatically refund credit balances greater than $1 that remain in your Account after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that statement and you pay the New Balance by the Payment Due Date on your current billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, cash advances and balance transfersandthenfurthersortthetransactions within each group bytheirAnnual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We referto these groups astransaction categories. Atthe end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: Average Daily Balance x days in billing period x Daily Periodic Rate. (You may referto the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. How We Calculate Your Balances. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing cycle. We computethedailybalanceforeachtransaction category on each day by first adding the following to the previous day's daily balance: transactions made that day, fees charged that dayand Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction categoryon that day. In calculating the daily balance for the previous billing period, we consider the "previous day's daily balance" to have been zero on the first day of the billing period. If a transaction is posted to your Account after the close of the billing period in which it occurs, we will treat the transaction as having occurred on the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added tothestandard purchasetransaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance trans- action category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rates section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. Two-Cycle Average Daily Balance Method. We use the two-cycle average daily balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. This means if you did not pay the New Balance shown on the billing statement you received during the previous billing period by the Payment Due Date shown on that statement, we will impose Periodic Finance Charges on new purchases that first appeared on that billing statement, as well as new purchases that first appear on the current billing statement, unless we already imposed Periodic Finance Charges on the purchases on your previous ~ 8 billing statement. Variable or Fixed Interest Rates. The Daily Periodic Rate and corresponding Annual Percentage Ratethatapplytoeachtransaction category are either fixed rates or variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. Variable Annual Percentage Rates are deter- mined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For purposes of this Agreement, the Prime Rate is the highest rate of interest listed as the "prime rate" in the Money Rates section of The Wall Street Journal on the last busi Hess day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same month as the change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Default Rates. Each time you do not make a required payment on time and each time you exceed your Account credit line twice in a twelve month period, we will increase the standard ANNUAL PERCENTAGE RATES for purchases and cash advances to fixed rates, up to a maximum of 30.99% (the "Default Rates"). Any special rates on purchases, balance transfers or cash advances will end and a Default Rate will apply. We will base your Default Rates on factors such as: • your current purchase APR • your payment history with us • your payment history with other lenders Any increased rate and change in type will apply beginning with the first day of the billing period in which (i) we did not receive at least the Minimum Payment Due by the Payment Due Date or (ii) you exceeded your Account credit line for the second time in a twelve month period. IfyourstandardAnnual Percentage Rate for purchases was increased under this or any previous version of the Default Rates section and, for any nine consecutive billing periods you pay at least the Minimum Payment Due, if any, by the Payment Due Date, then your Annual Percentage Rate for your new purchases will be reduced and your Annual Percentage Rate for your existing purchase balance may be reduced. Any reduced Annual Percentage Rates will apply beginning with the first day of your tenth billing period. Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee Finance Charge of 3% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FINANCE CHARGE of $5 and no maxi- mum. The imposition of Cash Advance Transaction Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges. If the balance transfer offer you receive contains a Balance Transfer Trans- action Fee Finance Charge, we will charge you a Balance Transfer Transaction Fee Finance Charge for the amount of each balance transfer made under that offer. If there is a Balance Transfer Transaction Fee Finance Charge in conjunction with the offer you received when you applied for an Account, it will be in the amount set forth in the Pricing Schedule. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer Transaction Fee Finance Charges calculated underthe Periodic Finance Charges section for each balance transfer transaction category and add up these amounts. Minimum Finance Charge. We wilt charge you a minimum FINANCE CHARGE of $.50 for any billing period in which some FINANCE CHARGE of less than $.50 would otherwise be imposed. FEES late Fee. Wewill charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period for which we did not receive timely payment. If the sum is $250 or less, the fee is $19; if it is greater than $250, the fee is $39. Overlimit Fee. Wewill charge you an Overlimit Fee each time that, as of the close of a billing period, your outstanding Account balance exceeds your Account credit line. This fee may be charged even if the transaction which causes you to exceed your Account credit line is authorized by us or if you exceed your Account credit line due to the posting of Finance Charges or fees to your Account. The amount of the Overlimit Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period. If the sum is equal to or less than $500 and you exceed your credit line, the Overlimit Fee is $15. If the sum is greater than $500 and you exceed your credit line, the Overlimit Fee is $39. Returned Payment Fee. Wewill charge you a Returned Payment Fee of $35 each time you pay us with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit account from which you have authorized us in writing, electronically or orally to periodically deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. Returned Discover Card Check Fee. We will charge you a Returned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, 9 10 or other promotional check. Pay-By-Phone Fee. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will charge aPay-By-Phone Fee of $10 for each such transfer or payment. Research Fee. We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default. You are in default if you become insolvent; if you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us; if you are declared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; if you die; if you fail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of Default. Ifyou are in default, we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys` fees and court or other collection costs as permitted by lawand as actually incurred by us, including fees and costs in connection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Cancellation. You may cancel your Account by notifying us in writing or by telephone and returning ordestroying everyCard and unused check that we have provided you. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. If your Account is a joint Account, either Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respect the privacy of information about you and your Account. Our Privacy Policy includes a summary of the personal information we collect, when it may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement. Reporting to Credit Reporting Agencies. As indicated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover Card, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. OurCommunicationswithYou.Ourpersonnel may listen to or record telephone calls between you and our representativeswithout additional notice to you as permitted bylaw. We may use any medium, including but not limitedto mail, livetelephonecalls, automated telephone equipment, prerecorded tele- phone calls, a-mail and may make calls to your cell phone to contact you about your Account or offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, telephone us at 1-800-DISCOVER (1-800- 347-2683) or write to us at Discover Card, PO Box 15354, Wilmington, DE 19850. Releasing Information About Your Account. We provide various methods by which you can obtain information about your Account. We will only release such information to you, any Authorized User that our records indicate is an authorized buyer on your Account and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristics about you such as your personal identification number, Account number or social security number. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly billing state- ments and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices - Changes to Your Information. If you change your a-mail address, mailing address or telephone number you must notify us of yournewaddressortelephone numberwithin 15 days. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683) or by writing Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943. If your Account is a Joint Account, any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant and/or any third party for the credited amount. Upon our request, you agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we 11 have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any sup- portingfacts; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover Card, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate. In the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Account, any prior account you have hadwith us,yourapplication,therelationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve 12 the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATEANYCLAIMSASAREPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything elsetothecontrary in this arbitration provision, only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state`s equivalent court, if any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules. Your Account involves interstate commerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) orthe National Arbitration Forum (NAF) in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.ora (phone 1-800-778- 7879) or NAF at PO Box 50191, Minneapolis, MN 55405 (phone 1-800-474-2371). No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both parties. Unless consented to by all parties, no arbitration may be administered by any administrator that has any formal or informal policy, rule or procedure that is inconsistent with or purports to override the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respect to which you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees and/ or other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. fees and Costs. At your written request, we willadvanceanyarbitrationfiling,administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to Discover Card, PO Box 15192, Wilmington, DE 19886-1020. The arbitrator will decide who will ultimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' fees and court or other collection costs" had the action proceeded in court. In no event wi{I you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. If requested by any party, the arbitrator shall write an opinion containing the reasons forthe award. The arbitrator`s decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $100,000, any party may appeal the award within 30 days to a three- arbitratorpanel, which shall reviewthe award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Other Beneficiaries of this Provision. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a 13 claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termination of your Account as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. Right fo Reject Arbitration. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Discover Card, PO Box 30938, Salt Lake City, UT 84130-0938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior 14 account you have had with us, even if you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Cass Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. If it is ever finally determined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. CHANGES TO THIS AGREEMENT We may change any term or part of this Agreement, including, but not limited to, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed or add any new term or part to this Agreement. If required by law we will send you a notice at least 15 days before the change is to become effective. We may apply any such change to the outstanding balance of your Account on the effective date of the change and to new charges made after that date. You may be offered the opportunity to reject some of the changes, and if you do, you must notify us in writing within 15 days after the mailing of the notice of change at the address provided in the notice of change, in which case your Account will be closed and you must pay us the balance that you owe us under the existing terms of the unchanged Agreement. Otherwise, you will have agreed to the changes in the notice. Use of your Account after the effective date of the change will be deemed acceptance of the new terms as of such effective date, even if you previously notified us that you did not agree to the change. We may also change any term of any product, service or benefit offered in connection with your Account. We will notify you as required by law or by the terms of the product, service or benefit. PRIVACY POLICY We are required by federal law to provide you with a copy of our Privacy Policy each year. If you have previously notified us about your privacy preferences, as described in Section 4, it is not necessary to do so again unless you decide to change your preferences. We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mind knowing that the security of your personal information is our top priority. We understand your concerns about guarding information about you and your Account. We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. It includes a summary of the following important information: • A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies and from other sources, 15 16 such as our Web sites. For example: We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. • We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your a-mail address, your computer`s operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared with Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the Discover° Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf of the retailer by, for example, including an insert in their monthly billing statement or mailing the offer ourselves. We control the information used to make the offer; we do not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, however, circumstances in which we may share the information we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to adhere to our privacy standards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval. a. Sharing Personal Information with Our Corporate Family Our corporate family offers a variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal Information with Non- Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Discover Card, in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and non-financial companies, such as retailers. c. Sharing Personal Information with Others We may share the information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing, market research and data processing; other financial institutions with which we have joint marketing agreements; or companies that are our partners for cobrand credit card programs or reward programs. We may also share such information as permitted by law. 3. How Do We Protect the Confidentiality, Security and Integrity of Information about You? We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it in order to service your Account or provide products and services to you and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to ourdisciplinary process. Wherethird parties provide support services, we require them to conform to our privacy standards. It is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover Card, PO Box 30943, Salt Lake City, UT 84130-0943 so that we can update this information. 4. How Can You limit Sharing of Information About You? We respect your privacy and offer you choices as to whether we may share information about you with others. You have the option to tell us not to share the information we collect about you, as described in Section 1, with non-affiliated third parties. You also have the option to tell us not to share the information we collect aboutyou, as described in Section 1, with companies in our corporate family. If you indicate a preference for either of these options, please understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources or manage your finances. To indicate your preferences, please call us at 1-800-225-5202 or write to us at Discover Card, PO Box 30961, Salt Lake City, UT 84130- 0961. If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your written request should include your name, address, telephone number and Account number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and not through a third party. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor your request and not share this information except as permitted by law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers and financial institutions with which we have joint marketing agreements. If you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days ~ ~ 18 after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior to the processing of your request. This Privacy Policy is provided to the primary Cardmember listed on the Account. However, any joint Cardmember has the right to notify us about preferences and we will treat that request as applying to the entire Account. We do not share information about former customers, except as permitted by law. This notification supercedes all previously issued Privacy Policies. We reserve the right to amend this Privacy Policy from time to time and we will notify you if we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agency, Inc. and Discover Products Inc. Unless otherwise specified, it applies to the family of Discover° Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). It is part of your Cardmember Agreement and provides a further explanation of how we collect and share information. You may have other rights under state laws that apply to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents -Your state law requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 1-800-DISCOVER (1-800-347-2683) and authorize us to do so. California Residents -Your state law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non- affiliatedthird parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. T. Notify Us in Case of Errors or Questions About Your Bill If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • your name and Account number. your dollar amount of the suspected error. describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. 2. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question or report you as delinquent. We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn`t make a mistake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. 4. Purchases Made with Checks or Cash Advances The Special Rufe for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. 19 DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT IN5URANCE Discover® Cardmembers are provided with $500,000 Scheduled Air Travel Accident Insurance.* You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) will be automatically insured against Accidental loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft or a conveyance operated by a military transport service or riding as a passenger in or entering or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the ChubbGroup of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMIT OF INSURANCE: If more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance ($20,000,000} per Accident. If an Accident results in BenefitAmounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limitofinsurancewillbedividedproportionally among the Insured Persons, based on each applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one Accident, the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance. DEFINITIONS: Accident or Accidental means a sudden, unforeseen and unexpected event happening bychance, and includesunavoidableexposure to elements arising from a covered Hazard. Accidental Bodily In~jury ies~ means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. Account means a Card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account. Card means the Discover Card. Cardmember means the holder of the Card whose name appears on the credit card. Com an means the Federal Insurance Company. Covered Trip means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account. Dependent Child or Children means those zo children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanentlymentallyorphysicallychallenged, and incapable of self support; or (3) under the age of 25 and classified as full-time students at an institution of higher learning. Domestic Partner means a person who: (1) is at least 18 years of age and competent to enter into a contract; (2) is not related to the Insured Person by blood; (3) has exclusively lived with the Insured Person for at least one year prior to the date of enrollment; (4) is not legally married or separated; and (5) as of the date of enrollment, has with the Insured Person at least two of the following financial arrangements: (a) a joint mortgage or lease; (b) a joint bank account; (c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone else. Hazard means the covered circumstances for which this insurance is provided as stated in Section Ili of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Description of Coverage. Insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. Loss means the Loss of Life. loss of Life means death, including clinical death determined by the local governing medical authorities. Policyholder means DFS Services LLC, the entity responsible for the payment of premium. Scheduled Aircraft means an aircraft owned and/or operated by a Scheduled Airline. Scheduled Airline means an airline which is either of United States registry and certified by the United States government to carry passengers on a regularly scheduled basis or of foreign register and approved by the UnitedStatesgovernmentandtheappropriate foreign authority. War means hostilities following a declaration of War by a government authority. If there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFITS: If the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Aircraft or conveyance in which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, that the Insured Person has suffered Loss of Life covered under this policy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard. ELIGIBILITY This insurance plan is provided to Insured Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmember's Account while the insurance is effective. It is not necessary for you to notify the Policyholder or the Company when Scheduled Airline tickets are purchased. 21 EFFECTIVE DATES: Your insurance under this insurance plan is effective on the later of: 1) April 1, 2007; or 2) the date you become an eligibleCardmember.Yourinsurancecoverage under this insurance plan will cease on the earlier of: (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. COST: This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the insurance. THE BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by you. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) your spouse; b) your children; c) your parents d) your brothers and sisters, e) your estate. All other indemnities will be paid to you. If you wish to change your beneficiary, you may request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at Beneficiaryrequest@The DirectMG.com. EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an Accident occurring while an Insured Person is in, entering, or exiting any aircraft owned, leased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Person is in, entering, or exiting any aircraft while acting or training as a pilot or crew member (this exclusion does notapplyto passengerswhotemporarily 22 perform pilot or crew functions in a life threatening emergency); (3) emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or loss that is intentionally self-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you shouldsendtheCompanyawrittendescription of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of loss. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Loss is received and ifyou, the Policyholder and/or the beneficiary have complied with all the terms of the policy. ARBITRATION: In the event of a dispute under this policy, either the Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. The two arbitrators will select a third. If they cannot agree within 15 days, either the Company or the Insured Person may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured Person's principal residence. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0 (1-800-252-4670). You can also go to the Company Website (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300-2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Complete policy provisions are contained in the Master Policy, which can be obtained from the Policyholder: Policy Underwritten By Federal Insurance Company ("Company") a member insurer of the Chubb Group of Insurance Companies 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Plan Administrator The Direct Marketing Group, Inc. 13265 Bedford Avenue Omaha, NE 68164 Policy # 9906-18-06 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discover° Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a vehicle for 31 consecutive days or less (or 45 days under certain circumstances described below) with your Card (as defined below), you may be eligible for benefits under this coverage. Excess Collision DamageWaiverisaninsurance program, underwritten by Federal Insurance Company Policy # 9906-17-63 (the "Policy"). DEFINITIONS: Account means a Card account. Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of loss, less depreciation. Cardmember means the holder of the Card whose name appears on the credit card. Card means the Discover Card. Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious 23 mischief or vandalism, riot or civil commotion. ComPanX means the Federal Insurance Company. Insured means Cardmembers and authorized users of the Account. Poli hc~ older means DFS Services LLC, the entity responsible for the payment of premium. Rental AgencX means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means afour-wheeled private passenger type motor vehicle or a mini-van manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: The Collision Damage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile is charged or debited to your Account. It is not necessary for you to notify the Company at the time the rental fee is charged or debited to your Account. • You must decline the Loss/Damage Waiver offered by the vehicle Rental Agency. • You must rent the vehicle in your own name and sign the vehicle rental agreement/ contract. • The coverage period will not exceed 31 consecutive days, or 45 consecutive days if thelnsuredisanemployeeofanorganization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the 24 Policyholder as required, and subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liabilitywill befora maximum reimbursement of $25,000. In no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. • If you or an Insured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts not covered by other insurance. • This coverage is not all-inclusive, which means it does not cover such things as personal injury or personal liability. It does not cover you for any damages to other vehicles or property. It does not cover you for any injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles;trucks; recreationalvehicles,campers, pickup trucks, and mini-buses; limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds $50,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented in the United States and Canada only. • Coverage is not available where prohibited by law. WHAT IS NOT COVERED: Coverage does not apply to loss resulting from the following: • Any dishonest, fraudulent or criminal act of the Insured. • Forgery by the Insured. • Loss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination, • The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and property for hire. • Use of the Rented Automobile by a person other than the one authorized to operate the Rented Automobile by the terms of the Rental Agreement. • Loss of use of the Rented Automobile. • Intentional damage to the Rented Automobile by the Insured. • Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure. • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance covering the Rented Automobile. However, the insurance provided under this plan may be primary if specifically provided for under the terms of this plan and if the following criteria is met: (a) the Rented Automobile is rented for use outside the United States, its territories and possessions; (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c}the Rented Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT: 1-800-CLAIMS-0 (1-800-252-4670). You can also go to the Company Website (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBS GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300-2538 CLAIM PROCEDURE: The Insured must send the Company written notice of a claim, including the Insured's 25 26 name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative: • A copy of the Account statement showing the automobile rental transaction. • A copy of the automobile rental agreement. • A copy of the police report. • A copy of the initial claim report submitted to the automobile Rental Agency. • A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carrier(s). • If no other insurance is applicable, a notarized statement from the Insured to that effect. Reminder: Please refer to the Insurance Disclosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative state- ment to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in the master policy on file with DFS Services LLC, herein referred to as the Policyholder. If a statement inthisSummaryofCoverageandanyprovision in the policy differ, the policy will govern. Policy Underwritten, By Federal Insurance Company (Company ) a member insurer of the Chubb Group of Insurance Companies 15 Mountain View Road, PO Box 1615 Warren, N107061-1651 Plan Administrator The Direct Marketing Group, Inc. 13265 Bedford Avenue Omaha, NE 68164 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising and/or brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. Cancellation: Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days in advance. If the Company terminates, cancels, or chooses not to renew the coverage to Policyholder, you will be notified as soon as is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage. These benefits do not apply if your Card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void if, whether before or after a loss, the Pol icyholder oritssubscribingorganization(s)hasconcealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud or false swearing bythe Policyholderor itssubscribing organization(s) relating hereto. Addition of New Insureds: All eligible persons will be automatically insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonably required by the Company, will submit, and within its power cause others to submit, to examinations under oath and will produce for examination all writings, books of account, bills, invoices and other vouchers, or certified copies thereof if originals are lost, at such reasonable time and place as may be designated by the Company or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, examination of documents or any other act of the Company, its employees or representatives in connection with the investigation of any loss or claim will be deemed a waiver of any defense and such acts shall be deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others: This coverage will in no way inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation: It is a condition of this insurance that if the Company pays the Insured for a loss, it will require the Insured to assign and transfer any claim or right of action against any individual, firm or corporation for such loss to the Company or subrogate or hold in trust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration: In the event of a dispute under this policy, either the Company or the Insured may make a written demand for arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbi- tratorswill select a third. if they cannot agree 27 within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured's principal residence. GLOBAL TRAVELER`S HOTLINE TERMS AND CONDITIONS The Global Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. It is operated byAXAAssistanceOSA, Inc. Visit Discovercard. com/travel to learn more. Eligibility. You must be a Cardmember whose Accountisingoodstanding,theCardmember`s spouse or dependent child traveling with the Cardmember or an Authorized User of an Account in good standing. Third-Party Charges. Global Traveler's Hotline is not insurance, so you will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Call us at 1-800-DISCOVER (1-800-347-2683) for assistance or if you have questions about a specific destination. Outside the U.S., call us collect at 1-801-902-3100. While AXA Assistance will make every reasonable effort to providetheservices, neitherAXAAssistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided by third parties. The services and these terms and conditions are subject to change without notice. 28 YOUR DISCOVER® CARD ACCOUNT CARDMEMBER AGREEMENT ............................ Pages 1-13 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Rejecf Arbitration" section at page 12. PRIVACY POLICY ...............................................Pages 116 A summary of the personal information we collect, when it may be shared with others and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 15. BILLING RIGHTS ................................................ Pages 16-17 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE .........................Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE .............................Page 25 The terms and conditions of this free travel assistance benefit. ®2009 Discover Bank, Member FDIC TL21A.0509 CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover Card Account. It contains the terms and conditions of your Account, some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreement shall control. We respect your privacy. See the Privacy section on page 9 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 12 describes the procedure you must follow 'If you desire to reject the Arbitration of Disputes section. DEFINITIONS USING YOUR ACCOUNT Your Acceptance of this Agreement ............................................ .............. 2 Permitted Uses of YourAccount ................................................... .............. 2 Prohibited Uses of Your Ac:count .................................................. .............. 3 Purchases and Cash Advances in Foreign Currendes ................ .............. 3 Cash Advances ........................................................................... ................ 3 Balance Transfers ....................................................................... .............. 3 Credit Authorizations ..................................................................... .............. 3 Authorized Users .......................................................................... .............. 3 Unauthorized Use ......................................................................... .............. 3 Your Credit Lines .......................................................................... .............. 4 MAKING PAYMENTS ........................................................................ .............. 4 Promise to Pay .............................................................................. .............. 4 Monthly Billing Statement ............................................................ .............. 4 Monthy Payment Options ............................................................ .............. 4 Automatic Billing Arrangements ................................................... .............. 5 How We Apply Payments ............................................................. ................ 5 Minimum Monthly Payment ......................................................... .............. 5 Skip-A-Payment Offers ................................................................. .............. 5 Credit Balances ............................................................................. .............. 5 FINANCE CHARGES ......................................................................... ................ 5 How We Ca~ulate Periodic Finance Charges .............................. ................ 5 How We Ca~ulate Your Balances ................................................ .............. 6 Variable or Fixed Interest Rates ................................................... .............. 7 DefauR Rate ................................................................................. .............. 7 Cash Advance Transadion Fee Finance Charges ....................... .............. 7 Balance Transfer Transaction Fee Finance Charges ................... .............. 8 Foreign Currency Transaction Fee Finance Charges .................. ................ 8 Minimum Finance Charge ............................................................ .............. 8 FEES ..................................................................................................... ............. 8 Annual Fee .................................................................................. ............... 8 Late Fee .................................................................................... ................. 8 Overiimit Fee ............................................................................. ................... 8 Returned Payment Fee .............................................................. ................. 8 Returned Discover Card Check Fee ......................................... ................. 9 Pay-By-Phone Fee ................................................................... ................... 9 Research Fee ........................................................................... ................. 9 DEFAULT AND CANCELLATION ................................................... ................. 9 Types of Defauit ........................................................................ ................... 9 Consequences of Defauit ......................................................... ................. 9 Cancellation .............................................................................. ................... 9 PRNACY AND OUR COMMUNICATIONS WfTH YOU .................. ................... 9 Our Privacy Policy ...................................................................... ................... 9 Reporting to Credit Reporting Agencies ................................... ................. 9 Our Communicatbns with You ................................................. ............... 10 Releasing Infonation About Your Account .............................. ............... 10 Electronic Notices to You .......................................................... ............... 10 Notices - Changes to Your Information ..................................... ............... 10 CLAIMS AND DISPUTES ............................................................... .................10 Merchant Disputes ..................................................................... .................10 Claim Notices ............................................................................ .................10 Arbitration of Disputes ............................................................... .................11 Right to Reject Arbitration ......................................................... .................12 LEGAL INTERPRETATION OF THIS AGREEMENT ...................... .................13 Severatality ............................................................................... .................13 Compliance with Interest Rate Limitations ................................ .................13 Governing Law .......................................................................... .................13 ASSIGNMENT OF ACCOUNT ........................................................ .................13 CHANGES TO THIS AGREEMENT ............................................... .................13 DEFINITIONS "Account" means your Discover Card Account. "Authorized User" means any person whom you author¢e to use your Account or a Card, whether you notify us or not. "Card" means any one or more Discover Cards issued to you a someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Fiance Charge rates that apply to your Account. The Pricng Schedule is part of this Agreement. "We," "us" and "our" refer to Discover Bank, the issuer of your Discover Card. "You," "your" or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement. The use of your Account or a Card by you or an Authorized User, or your faih~re to cancel your Account within 30 days after receiving a Card, means you accept this Agree-merit, including the Arbitraton of Disputes section on page 11. You may, however, reject the Arbitration of Disputes section as explained on page 12. Permitted Uses of Your Account YourAccount may be used for. Purchases - to purchase or lease goods or services from par-ticipating merchants by presenting your Card or Account number or by using promotional checks, which we may fumish to you, in accordance with such additional terms and condtons as we may offer from time to time. Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locatans, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, travelers checks, savings bonds, foreign currency and wire transfers, a by means of checks which we may fumish to you, all in accordance with such additional terms and conditions as we may offerfrom time to time. Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at partio•i-pating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specfied by the establishment. Your Account may be used for personal, family, household and charitable purposes. Prohibited Uses of Your Account. Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agree-meM or for any transactions that are unknwful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Currencies. If you make a purchase or cash advance in a foreign currency, it v~ill be converted io U.S. dollars using either agovemment-mandated rate, a govemment-published rate or the interbank exchange rate, depending on the country and cunency in which the transaction is made. The rate used vdll be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement. We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign currency as described in the Foreign Currency Transaction Fee Finance Charges section on page 8. Cash Advances. We may periodically offer you special rates on cash advances for the time period speciFied in the offer, subject to the Defauit Rate section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. After the expiration of the specal rate, the standard Annual Percentage Rate for cash advances v~ill apply. Balance Transfers. VVe may periodically offer you the oppor-tunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain an initial special rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the DefauR Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as discbsed in the offer and as set forth m the Pricing Schedule, if applicable. After the expiration of this time period, the Annual Percentage Rate that applies for purchases will apply totrans-ferred balances. Balance transfers subject io the initial special rate are referred to as special rate balance transfers; balance transfers forwhich the initial special rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. tt you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization prig to canpletion. In some cases, you may be asked io provide icientfication. VVe have the right not to authorize a transactiar for security a other reasons. Also, if our authorization system is not working, we may not be able to authorze a transaction. VVe will not be liable to you rf any of these events happen. Authorized Users. N you want to cancel the authority of a current Authorized User to use your Account a a Card, you must notfy us and destroy any Card in that person's possessan. You can notity us by telephoning 1.800-DISCOVER (100-347-2683), or by wrfing Discover Card, PO Box 30943, SaR Lake City, UT 84130-0943. None of your rights under this Agreement (otherthan to pay amounts owed) maybe exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom tt is issued. H a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683}, or by writing Discove~° Card, PO Box 30943, Salt Lake City, UT 84130-0943. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our invest-igation. Your Credit Lines. VVe will advise you of your Account credit line. VVe may impose a lower line that will apply to cash advances, referred to as the cash advance credit line. VVe may also impose a lower line that will appy to balance transfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit line. tt you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line. VVe may increase or decease your Account credit line, your cash advance credft line a your balance transfer credit Ise without notice. The credit available fa your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your avail-able credit will not be increased by the amount of any credit balance. MAKING PAYMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers including applicable Finance Charges and other charges a fees, incurred by you a anyone you authorize a permd to use yourAccount a a Card, even tt you do not notify us that others are using your Account or a Card. ff you pay us in other than U.S. dollars, we may refuse to accept the payment a charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. H your Account is a joint Account, each of you agrees to be liable indNidualty and jointty for the entire amount owed on your Account. We can accept late payments or partial payments or checks and money orders marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement. Monthly Billing Statement. VVe will send you a billing statement after each monthly Milling period in which you have a debit or credit balance, unless we waive our right to do so as permitted bylaw. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account during the billing period. tt will show your New Balance, Payment Due Daie and Minimum Payment Due as of the end of the billing period. tt your prior month's payment is returned unpaid, your required Minimum Payment Due may be higherthan shown on your billing statement. See the Minimum Monthly Payment section on page 5. Monthly Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms, including the payment cutoff time, stated on your monthly billing statement, and we will credit your Account maccord-ance wfih those terms. In addition, we reserve the right to change those terms wittrout prior notice as permitted bylaw. Automatic Billing Arrangements. If yourAccount number andlor Card expiration date changes and our records indicate you have automatic Milling established with a merchant, we will attempt to provide your new Account infomration to that merchant. To ensure uninterupled tilling, we recommend that you verify the merchant has your new Account information. You must contact the merchant directly it you do not wish to continue the automatic billing arrangement. How We Apply Payments. VVe will apply payments and aedtts to the New Balance shown on your current billing statement in order of the Annual Percentage Rate appli~;able to the balance of each transaction category (as referenced in the Finance Charges section), generally from bwest to highest beginning with the balance subject to the lowest Annual Per-centage Rate. We then apply payments and credits to any new transactions using the same method. However, we have the right to apply payments and credits to balances with higher Annual Percentage Rates prior to balances with bwer Annual Percentage Rates, such as when there are two initial special rates appligble io your Acx;aant and the lower Annual Percentage Rate will expire before the higher Annual Percentage Rate. Minimum Monthly Payment. The Minimum Payment Due each month will be the greater of: • the New Balance fi it is less than $15; • $15 if the New Balance is $15 or more; or • any past due amount plus the greater of: 2% of the New Balance (excluding current Periodic Finance Charges, Late and Overlimd Fees) rounded up to the nearest dollar or current Periodic Finance Charges plus Late and Overlimit Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. Vile may also include some or all the amount by which you exceed your Account aeait line. If mae than 90% of your New Balance consists of specia4-rate balance transfers, we may, at our discretion, increase your Minimum Payment Due to a maximum of 4% of the New Balance rf it would otherwise be less than that. VVe may subtract certain fees to calculate the Mini-mum Payment Due. The Minimum Payment Due will never exceed the New Balance. Paying the Minimum Payment Due may be insufficient to bring your Account balance below yourAccount credit line and, consequently, may not avoid the imposition of an additional Ovedimit Fee described in the Overiimit Fee section. Skip-A-Payment Offers. UVe may from time to time allow you to not make a minimum monthly payment and will notity you when this optan is available. H you take advantage of this offer and do not make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances. VVe will refund any credit balance within seven business days from receipt of your written request. If you do not request a refund, we will auto-matically refund credit balances greater than $1 that remain in yourAccount after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all rassactons from the Transaction Date for the transaction as shown on your billing statement, unless a transaction is posted to your Account after the cbse of the billing period in which tt occurs, in which case we begin to impose Periodic Finance Charges on chat transaction from the first day of the billing period in which tt is posted to your Account. We continue to impose Periodb finance Charges until the date you pay your entire New Balance, by making payments a receiving credits. However, 'rf you paid the New Balance on your previous billing statement by the Payment Due Date shown on that biling statement and you pay the New Balance by the Payment Due Date on your current billing statement, we will rid impose Periodic Farance Charges on new purchases, that is, purchases first appearing on the current billing statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. We sort your transadbns into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. Fa example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We referto these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transad'an category. We use the folowing equation to compute Periodic Finance Charges fa each transaction category: (Average Dairy Balance) times (days in billing period) times (Daily Periodic Rate). (You may refer to the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transadbn category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero rf, because of the grace period, no Periodic Finance Charges apply to the balance in a trans-action category. How We Calculate Your Balances. We use the Average Daily Balance (inducting new transactions) method of tabulating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transactbn category by adding up all the daily balances in a biling period for a transaction category and dividing the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous days dairy balance: transadans wtth a Transaction Date of that day as shown on your billing statement, unless the transaction is posted to your Account after the dose of the billing period in which tt occurs, in which case the transaction will be added io the daily balance as of the first day of the billing period in which tt is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous days dairy balance; and by then subtracting any aedtts and payments that are applied against the balance of the transactbn category on that day. In tabulating the daily balance for the first day of the billing period, we consider the "prevous days daily balance" to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to yourAccount are added to the standard purchase trans-ad'an category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance trans-acton category and Balance Transfer Transactbn Fee Finance Charges which are added to the applipble 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, rf the spedal rate has been terminated under the Default Rate secton, we leave the unpaid balance of the balance transfer and the Balance Transfer Transadan Fee Finance Charges in the applicable balance transfer transaction category until the spedal rate would have expired. Variable or Fixed Interest Rates. The Dairy Periodic Rate and correspondrng Annual Percentage Rate that apply to each transaction category are either fixed rates or variable rates as set forth in your Pridng Schedule or in any special offers you receive from us. The Daily Periodic Rate is 11365th of the corresponding Annual Percentage Rate. Variable Annual Percentage Rates are deter-mined by adding a speciFied number of percentage points to the Prime Rafe. This is shown on the Pridng Schedule as "Prime + (parentage points)." For purposes of this Agreement, the Prime Rate is the highest rate of interest listed as the "prime rate" in the Money Rates section of the Wall Sheet Journal on the last business day d the month. The Prime Rate is merely a pridng index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. tt you have a variable rate, yourAnnual Percentage Rate will increase or decrease when the Prime Rate changes. This change wilt be effective beginning with the first day of the billing period that begins during the same month as the change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Default Rate. Each time you do not make a required payment on time or each time you exceed your Account credit line twice in a twelve month period (each, a "Default Rate Event"), we may increase the standard Annual Percentage Rates for purchases, balance transfers and cash advances to a variable rate equal to the Prime Rate + up io 27.99%, but such rate will never exceed 29.99% (the "Default Rate"). At the same time, any spedal rates on purchases, balance transfers or cash advances will end and the Default Rate may appy. The maximum Default Rate which would currently apply is set forth in your Pricing Schedule. We vdll base your Default Rafe on factors such as: • your current APRs • your payment history with us • your general aedtt history Any increased rate will apply beginning with the first day of the billing period in which (i) we did not receive at least the Minimum Payment Due by the Payment Due Date or (ii) you exceeded your Account aedtt line for the second time in a twelve month period. ff your standard Annual Percentage Raie for purchases was increased underthis or any previous versbn of the Default Rate section and, for any nine consecutive billing periods thereafter another Default Rate Event does not occur, then your Annual Percentage Rate for your new purchases will be reduced to a lesser variable rate which may be higher than your prevous standard Annual Percentage Rate for purchases and your Annual Percentage Rate for your existing purchase balance may be reduced to a lesser variable rate which may be hgher than your previous standard Annual Percentage Rate for purchases. Any reduced Annual Percentage Rates on new and existing purchases may be d'rfferent and v~ill apply beginning vrith the first day of your tenth billing period. However, tt a Default Rate Event occurs in the tenth Milling period, a Default Rate will apply. Cash Advance Transaction Fee Finance Charges. Unless otherwise spedfied in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of 3% of the amount of each new cash advance wtth a minimum Cash Advance Transacton Fee FINANCE CHARGE of $5 and no maxi-mum. The imposition of Cash Advance Transacton Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose fa which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges. If the balance transfer offer you receive contains a Balance Transfer Trans-action Fee Finance Charge, we will charge you a Balance Transfer Trans-adios Fee Finance Charge for the amount of each balance transfer made under that offer. tt there is a Balance Transfer Transaction Fee Finance Charge in conjunction with the offer you received when you applied for an Account, tt will be in the amount set forth in the Pridng Schedule. The imposton of Balance Transfer Transadan Fee Finance Charges may result in an Annual Percentage Rate fa balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer Trans-adbn Fee Finance Charges calculated under the Periodic Finance Charges section for each balance transfer trans-action category and add up these amounts. Foreign Currency Transaction Fee Finance Charges. We will charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purohase made in a foreign currency. The Knposttion of Foreign Currency Transaction Fee Finance Charges may result in an Annual Percentage Rate for purchases that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on purchases for each billing period, we add any Foreign Currency Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. FEES Annual Fee. ff your Priclng Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your Account and at the beginning of each ar~nroersary year your Account is open. The Annual Fee is not refundable, except as provided by law. Late Fee. We will charge you a Lale Fee if you have failed, as of the Payment Due Dale, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period for which we did not receive timely payment. H the sum is $250 or less, the fee is $19; 'rf a is greater than $250, the fee is $39. Overlimit Fee. We will charge you an Overiimd Fee each time that, as of the close of a billing period, your outstanding Account balance exceeds your Account credit line. This fee may be charged even rf the transaction which causes you io exceed your Account aedtt line is authorized by us or rf you exceed your Account aedd line due to the posting of Finance Charges or fees to your Account. The amount of the Overiimit Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period. If the sum is equal to or less than $500 and you exceed your credit line, the Overiimtt Fee is $15. tt the sum is greater than $500 and you exceed your credit line, the Overiimit Fee is $39. Returned Payment Fee. We will charge you a Returned Payment Fee of $35 each time you pay us with a check a other instrument that is returned unpaid. This fee will also apply'rf a debit transaction to a deposit account from which you have authored us in writing, electronically or oralty to periodicalty deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if tt is paid upon resubmission. Returned Discover Card Check Fee. We will charge you a Returned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, a other promotional check. Pay-By-Phone Fee. We may from time to time allow you to make payments by authoring us over the telephone io transfer or pay funds from a depostt account to your Account. We will charge aPay- By-Phone Fee of $10 for each such transfer or payment. Research Fee. We may charge you a Research Fee of $5 for each copy of a tilling statement or sales slip that you request. However, we will not charge a fee "rf you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default You are in default 'rf you become insolvent; rf you file a banlwptcy petition or have one filed against you; 'rf we have a reasonable belief that you are unable a unv~illing to repay your obligations to us; 'rf you are declared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; tt you die; if you fail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding yourAccouni credit line or using your Card or Account for a Prohibited Transaction; or rf you fail to make a required payment when due on any other account you have with us. Consequences of Default. H you are in defauR, we may declare the entire balance of your Account immediately due and payable without notice. tt we refer the collection of your Account io an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys' fees and court or other collection costs as permitted by law and as actually incurred by us, including fees and costs in con-nedion wtth any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Cancellation. You may cancel your Account by notifying us in wrtting or by telephone and returning or destroying every Card and unused check that we have provided you. You can nctity us by telephoning 1.800-DISCOVER (1-800-347-2683), or by writing Discover Card, PO Boz 30943, Satt Lake City, UT 84130-0943.Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. ff yourAccount is a joint Account, either Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the terms of this Agreerr~nt. We may cancel or suspend yourAccount at any time without notice. VVe may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respell the privacy of information about you and your Account. Our Privacy Policy includes a summary of the personal infor-oration we collect, when it may be shared with others, how we safetJuard the confidentialky and security of information and the steps you may take to limit our sharing of such infommation with others. Please read tt carefully as tt is part of your Cardmember Agreement. Reporting to Credit Reporting Agencies. As indi-sated in our Privacy Policy, we may report to credit reporting agences and other creditors the status and payment history of yourAccount, including negative credit information. Late payments, missed payments or other defauRs on your Account may be reflected in your credtt report. VVe normalty report to such cedtt reporting agencies each month. H you believe that our report of your Account status is inaccurate or incanplete, please write us at the following address: Discover Card, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, home telephone number and Account number. Our Communications with You. Our personnel may listen to or record telephone calls between you and our representatives wtthout addttional notice to you as permitted bylaw. We may use any medium, including but not limtted to mail, live telephone calls, automated telephone equipment, prerecorded tele-phone calls, e-mail and may make calls to your cell phone to contact you about your Account or offer you products or services that may be of value io you. ff you prefer not to be contacted in one or more of these ways, telephone us at 1.800-DISCOVER (1-800-347-2683) or wrtte to us at Discover Card, PO Box 30961, Satt Lake City, UT 84130.0961. Releasing Information About Your Account We provide various methods by which you can obtain information about your Account. We will only release such information to you, any Author-ized User that our records indicate is an authored buyer on yourAcx;ount and any other person with your prig permission, in addition to as pro-vided in our Privacy Policy or as required by law. Our security measures gnnot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, evenrfwith-out your authorization or permission, has gained possession of a Card or has teamed other identifying characteristics about you such as your per-sonal identfication number, Account number or social securtty number. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us eleo-tronicaily rather than through the mail, including monthly billing stale-merits and change of terms notices. The terms and condttions for receiving these electronic communications will be described in the offer. Notices -Changes to Your Information. fl you change your a-mail address, mailing address or telephone number you must notiy us of your new address or telephone number within 15 days. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683) or by writing Discover Card, PO Box 30943, SaR Lake City, UT 84130.0943. If your Account is a Joint Account, any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible fa the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails to provide your purchase to your satisfaction and you request a credA to your Account, we will investigate the dispute. ff we resolve the dispute in your favor, we will issue a credit to your Account and you v~iil be deemed to have assigned to us your claim against the merchant ancU~ any third party for the aedited amount. Upon our request, you agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we have a claim that arises from a relates to your Account, any prior account you had with us, your application, the relationships which resuR from yourAccount or the enforce-ability of the Agreement or any prior agreement, before inhi-sting, joining or partidpating in any judical or arbitration proceeding, as ether an individual litigant or member of a class ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("Claim Notice"), ai least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any sup-porting fads; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, with-out limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and em~oyees of each of these entities. Any Claim Notice shall be Beni to us at Discover Card, PO Box 3024, New Albany, OH 43054 (a such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, it you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate. In the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, canmon law or equity) between you and us arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from yourAccount or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you w we may elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR Wt SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS 1MLL BE LIMITED. NEffHER YOU NOR WE SHAIl BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATNE OR MEMBER OF A CLASS OR IN A PRNATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anyfhingelse tothecontrary in this arbitration provision, onty a court, and not an arbitrator, shall deter-mine the validity and effect of the Class Action Waiver. Even rf all parties have opted to litigate a claim in court, you or we may elect arbiUatan with respell to any claim made by a new party or any new claims later asserted in that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court,rf any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules. YourAccount involves interstate commerce and this provision shall be governed by the Federal Arbitration Ad (FAA). The arbi-tration shall be concluded, at the option of whoever files the arbi-tration claim, by either the American Arbitration Association (AAA) or the National Arbitration Forum (NAF) in accoMance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Fkxx 10, New York, NY 10017-5905, Ipppppi,~,Qjp (phone 1-800-778-7879) or NAF at PO Box 50191, Minneapolis, MN 55405 (phone 1-80074-2371). No other artxtration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both parties. Unless consented to by all parties, no arbitration may be administered by any administrator that has any formal or infom~al policy, rule orpro-cedure that is inconsistent with or purports to ovemde the temps of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respell to which you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees andlor other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim a dispute as a result of our electing to arbitrate that claim or dispute. Send requests to Discover Card, PO Box 30421, Sait Lake City, UT 84130-0421. The arbitrator will decide who will uRimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' fees and court or other collection costs" had the action proceeded in court. In no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitraton hearing will take place in the federal judicial district where you reside. The arbitrator shall folbw applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive lows that would apply ff the action were pending in court. ff requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitra-ton's derision will be final and Minding except for any appeal rights under the FAA and except that 'rf the amount in controversy exceeds $100,000, any party may appeal the award within 30 days to athree-arbitrator panel, which shall review the award de novo. Unless appligble law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcorrre. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. OtherBeneSaades of this Provision. Our rights and obigatons under this arbitration provision shall inure to the benefit of and be bind'mg upon our parent corporations, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assgns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is sut~ject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be Minding upon all persons contradualty liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termFna-lion of yourAccouni as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. Right to Reject Arbitration. You may reject the ArbiVaGon of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Discover Card, PO Box 30938, Salt Lake City, UT 84130-0938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or fom~at that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbi-tra-tion wilt not affect your other rights or responsibilities under this Agreement or your obligation to arbirte disputes under any other account as to which you and we have agreed to arbtate disputes. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respell to this and any prior account you have had with us, even it you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that it the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respell to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will compy with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. ff it is ever finaltyde~er-mined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assgn or transfer your Account or any portion thereof w~h-out notice to you. You may not sell, assign or transfer yourAcrrount with-out first obtaining our prior written consent. CHANGES TO THIS AGREEMENT We may change any term or part of this Agreement, including, but not limited tor, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed or add any new term or part to this Agreement if required by law we will send you a notice at least 15 days before the change is to become effective. We may apply any such change to the outstanding balance of your Account on the effective date of the change and to new charges made after that date. You may be offered the opportunity to reject some of the changes, and if you do, you must notify us in writing within 15 days after the mailing of the notice of change at the address provided in the notice of change, in which case your Account will be closed and you must pay us the balance that you owe us under the existing terms of the unchanged Agreement Otherwise, you will have agreed to the changes in the notice. Use of your Account after the effective date of the change will be deemed acceptance of the new terms as of such effective date, even if you pre-viously notified us that you did not agree to the change. We may also change any term of any product, service or benefit offered in connection with your Account. We will notify you as required by law or by the terms of the product, service or benefit PRIVACY POLICY We are required by federal law to provide you with a copy of our Privacy Policy each year. If you have previously notified us about your privacy preferences, as described in Section 4, it is not necessary to do so again unless you decide to change your preferences. We Respect Your Privacy Our mission is to provide you with superior products and services, abng with the peace of mind knowing that the security of your personal information is our top priority. We understand your concerns about guarding informaton about you and your Account. We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these oktjectives. li includes a summary of the following important information: A listing of the personal information we collect; The circumstances in which we may share information with others; The ways we safeguard the confidentiality and security of information; and The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. h will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, d is important that we collect and maintain accurate personal infomration about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sees. For example: We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. We may obtain information such as your Internet service provider, your a-mail address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web skes. 2. Is Personallnformation Shared with Others? We limit the sharing of informatioi with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the Discover1° Card may come to us with a special offer for Cardmembers, such as a discount certiFicate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who maybe interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf of the retailer by, for example, including an insert in their monthly billing statement or mailing the offer ourselves. We control the information used to make the offer; we do not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of ~, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, however, circumstances in which we may share the information we collect about you, as described in Secan 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to adhere to our privacy standards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose k to others without our prior approval. a. Sharing Personal Informabon with Our Corporate Family Our corporate family offers a variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. Sharing Personal Information with Non Affiliated Parties for Marketing Purposes We may share the information we coiled about you, as described in Sedan 1, with non-affiliated third parties, induding those that accept the Discover Card, in orderto provide you with access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and non-finandal companies, such as retailers. Sharing Personal Information with Others We may share the information we coiled about you, as described n Sedan 1, with companies that perform support or marketing services on our behalf, such as mailhg, market research and data processing; other finandal institutans with which we have joint marketng agreements; or companies that are our partners for co-txand credfl card programs or reward programs. We may also share such infommaion as permitted by law. 3. How Do We Protect the Confidentiality, Security and Integrity of Information about You? We maintain physical, electronic and procedural safeguards to prated the information we collect about you. Access to such informaton is restricted to individuals who need it in orderto service your Account a provide products and services to you, and who are trained in the proper handling of such infamatan. Employees who valate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support services, we require them to conform to our privacy standards. It is important that the infomration we maintakr about you is accurate and complete. ff you see infortmation in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover Card, PO Box 30943, Sa8 lake City, UT 8413Q0943 so that we can update this infomration. 4. How Can You Limit Sharing of Information About You? We respect your privacy and offer you dtoices as to whether we may share information about you with others. You have the option to tell us not to share the information we culled about you, as described in Section 1, with nonaffiliated third parties. You also have the opton io tell us not to share the information we tolled abaft you, as described in Sedan 1, with companies km our corporate family. H you indicate a preference for either d these options, please understand that yaa may not receive offers fa products and services provided by other companies that could help you lower your cats, maxim¢e your finandal resources, or manage your firt~rces. To indicate your preferences, please callus at 1.800.225.5202 or write to Discover Card, PO Box 30981, Salt Lake City, UT 84130.0961. If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Yourwritten request should indude your name, address, telephone number and Account number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and not through a third party. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor your request and not share this informaton except as permitted by law. For example, federal law permds us to share information about you with consumer reporting agendes, service providers and financial institutions with whah we have joint marketing agreements. 8 you are a new Cardmember, we will not share any information about you, except as permitted by law, for thirty days after we provide this Policy 1o you in order to give you an opportunity to inform us about your preferences. ff you are an existing Cardmember, please understand that you may continue to receive marketamg offers directy from other companies that were already in production poor to the processing of your request. This Privacy Policy is provided to the primary Cardmember listed on the Account. However, any joint Cardmember has the right to noiity us about preferences and we will treat that request as applying to the entire Account. We do not share information about fortmer customers, except as permitted bylaw. This notification supersedes all previously issued Privacy Polides. We reserve the right to amend this Privacy Policy from time to time and we will not~y you rf we do so. This Privacy Policy is provided to you by Discover Bank and fis subsidiaries, which currentty include GTC Insurance Agency, Inc. and Discover Products Inc. Unless otherwise specified, fl applies to the family of Discover Cards for consumers and the products and servces offered in connection with those Cards, induding the Wallet Protectan card registration service (with the exception of any information registered in connection with the service, which will not be shared). R is part of your Cardmember Agreement and provides a further explanalan of how we tolled and share information. You may have other rights understate laws that apply to this infortnatan. Please note that you will also receive privacy notices for other oredfi card accounts you have with us, as well as other finandal products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disdosed in the notice. Vermont Residents - Your state law requires finandal insttutions to obtain your consent prior to sharing infommation about you with others. Except as permitted by law, we will not share information we tolled about you with non-affiliated third parties or companies in our corporate family unless you call us at 1-800-DISCOVER (1-800-347-2683) and authorize us to do so. California Residents - Your state law requires finandal institutons to obtain your consent prior to sharing infamatan about you with non-affiliated third parties. Except as pertmitted by law, we will not share infamatan we tolled about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Ad. 1. Notify Us in Case of Errors or Questions About Your Bill If you think your bill is wrong or if you need more informatan about a transaction on your bill, write us on a separate sheet of paper at the address listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the folawing information: • your name and Account number. • your dollar amount of the suspected error. describe the error and explain, rf you can, why you believe there is an error. If you need more information, describe the fiem you are not sure about. H you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is sdieduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice VVe must acknowledge your letter within 30 days, unless we have corrected the error by then. Wdhin 90 days, we must etther correct the error or explain why we believe the gill was correct. After we receive your letter, we cannot try to collect any amount you question a report you as delinquent. We can continue to bill you for the amount you question, induding finance charges and we can apply any unpaid amount against your Account credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. ff we find that we made a mistake on your bill, you v~nll not have io pay any finance charges related to any questioned amount. ff we didn't make a mistake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned mount. In either case, we will send you a statement of the amount you owe and the date that rt is due. ff you fail to pay the amount that we think you owe, we may report you as delnquent. However,rf our explanation does not satisfy you and you wrde us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a queston about your bill. And, we must tell you the name of anyone we reported y«, to. we must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we qn't collect the first $50 of the questioned amamt, even rf your till was correct. 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, ff not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. 4. Purchases Made with Checks or Cash Advances The Special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance a promotional purchase check. Therefore, rf you have a problem with the qualify of goods a services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discover° Card-memt~ers are provided with $500,000 Scheduled A~ Travel Accident Insurance.* You, your Spouse, Domestic Partner a eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) will be automatically insured against Accidental Loss of Life arising from and oocumng on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a tidket was purchased on your Card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft or a k~nveyance operated by a military transport service or riding as a passenger in a entering a exiting any conveyance licensed to tarty the public for a fee and while traveling drcedly to or from the airport immedi-ately preceding the depaRure of a Scheduled Airaafl on which the Insured Person has purchased passage and immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. `Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefd Amount ($500,000) is payable faAccidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMIT OF INSURANCE: H more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance ($20,000,000) per Accident. If an Accident results in Benefd Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limit of insurance will be divided proportanally among the Insured Persons, based on each applicable Benefd Amount. In the event of muMiple Accidental deaths perAccourtt arising from any one Accident, the Companes liability fa all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefd Amount fa Loss of Life. Beneftts will be proportionately divided among the Insured Parsons up io the maximum limtt of insurance. DEFINITIONS: A - id nt or A -id -n al means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. Accidental Bodily Iniurvfiesl means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. ~~ means a Card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account. ~ means the Discover Card. means the holder of the Card whose name appears on the credit card. ~gptQapy means the Federal Insurance Company. CoveCovered TripTriu means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certficaies, vouchers or coupons, has been charged to the Insured Person's Account. Dependent Child or Children means those chikJren, including adopted children and those children placed for adoption, who are prirnnarily dependent upon the Insured Person for maintenance and support and who are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanently mentally or physically challenged and incapable of self support; or (3) under the age of 25 and classified as full-time students at an institution of higher teaming. Domestic Partner means a person who: (1) is at least 18 years of age and competent to enter into a contract; (2) is not related to the Insured Person by blood; (3) has exclusively lived with the Insured Person for at least one year poor to the date of enrollment; (4) is not legally married or sepa-rated; and (5) as of the date of enrollment, has with the Insured Person at least two of the following finandal arrangements: (a) a joint mortgage or lease; (b) a joint bank account; (c) joint title to or ownership of a motor vehicle a status as a joint lessee on a motor vehide lease; or (d) a joint credit card account with a finandal institution. Neither the Insured Person nor the Domestic Parfier can be monied to, nor in a civil union with, anyone else. ~ means the covered circumstances for which this insurance is provided as stated in Section III of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Descriptan of Coverage. Insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. L4Sa: means the Loss of Life. Loss of Life means death, induding dinical death determined by the local governing medical authorities. Policyholder means DFS Services LLC, the entity responsible for the payment of premium. Scheduled Aircraft means an aircraft otimed andlor operated by a Scheduled Airline. S .hed pled Aidin means an airtine which is either of United States registry and certfied by the Untted States government to carry passengers on a regularly scheduled basis or of foreign register and approved by the United States government and the appropriate foreign authority. Jy~' means hostilities following a decaration of War by a government authority. ff there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between iwo factions, each in control of teritory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFITS: ff the Insured Persai has not been found within one year nt the disappearance, stranding, sinking, wredaig a breakdown d any Sdteduled Ara~t a conveyance in which the Insured Person was covered as ~ occupant, it vdll be assumed, subject to all other terms of the pokey, that the Insured Peron has suffered Loss of Liie covered under th~ pdicy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Insured Persons auto-matically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmember's Account while the insurance is effective. tt is not necessary fa you to nofrfy the Policyholder or the Company when Scheduled Airline tickets are purchased. EFFECTIVE DATES: Your insurance under this insurance plan is effective on the later of:1) April 1, 2007; or 2) the date you become an eligible Card-member. Your insurance coverage under this insurance plan will cease on the earlier of: (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. COST: This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the insurance. THE BENEFICIARY: The Loss of Life benefit will be paid to the benefdary desgnated by you. ff no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order. a) your spouse; b) your children; c) your parents d) your brother and sisters, e) your estate. All other indemnities will be paid to you. ff you wish to change your beneficiary, you may request a beneficary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at Beneficaryrequest@TheDirectMG.com. EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an Acddent occurring while an Insured Person is in, entering or exiting any aircraft owned, teased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Pcicyholder on behaff of the Policyholder (this exdusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Persai is in, entering or exiting any aircraft while acting or training as a pibt or crew member (this exdusion does not appy to passengers who temporarily perform pibt or crew functans in a life threatenl~g emergency); (3) emotanal trauma, mental or physical illness, disease, pregnancy, childbirth or miscariage, bacterial a viral infection, or bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suidde, attempted suidde or Loss that is intentionally self-inflicted; or (5) dedared or undecared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid Chaim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the fomrs, you should send the Company a written description of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not invalidate any othenNise valid daim ff notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of Loss. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Loss is received and ff you, the Policyholder andlor the benef~iary have complied with all the terms of the policy. ARBITRATION: In the event of a dispute under this pdicy, either the Company or the Insured Person may make a written demand fa arbitration. In that case, the Company and the Insured Person witl each select an art~iha-tor. The twa arbitrators will select a third. If they cannot agree withlr 15 days, either the Company or the Insured Person may request that the choice of ari~itratw be submitted to the American Arbikatan AssodaGon. The arbitration will be held in the state of the Insured Person's prindpal residence. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1.800-CLAIMS-0 (1.800-252.4670). You can also go to the Company Web site (lppppp~y~,g~), dick on Report a Loss, select Accdent, Benefits and L'rfe claims, select the appro-pri-ate form, print out the daim form, fill out and mail. You can file a daim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA23327~700 Fax Number. 1-80x300.2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Complete policy provisions are contained in the Master Policy, which can be obtained from the Policyholder: Policy#9906-18-06 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain Vew Road, PO Box 1615 Waxen, NJ 07061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE DiscoveP Cardmember can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a vehide for 31 consecutive days or less (or 45 days under certain circumstances described bebw) with your Card (as defined below), you may be eligible for benefits under this coverage. Excess Collision Damage Waiver is an insurance program, undenMitfen by Federal Insurance Company Policy#9906-17-63 (the "Policy"). DEFINITIONS: (~,Qypj means a Card account. Actual Gash Value means the cost to repair or replace the Rented Automobile at the time of loss, less depredation. means the holder of the Card whose name appear on the credit card. ~ means the Discover Card. Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. ~Qapy means the Federal Insurance Company. IOSY[s~ means Cardmembers and authorized users of the Account. Policyholderholder means DFS Services LLC, the entity responsible for the payment of premium. Rental Aaencv means a commerdat automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automohilemeans afour-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passenger and used excursively to corny passengers. A Rented Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: The Collision Damage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile is charged a debted to your Account. k is not necessary for you to notify the Company at the time the rental fee is charged or debited to your Account. You must decline the LosslDamage Waiver offered by the vehicle Rental Agency. You must rent the vehicle in your own name and sign the vehicle rental agreemenUcontract. The coverage period will not exceed 31 consecutive days, or 45 consecu-tine days k the Insured is an empbyee of an organzation whidi has pro-vided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideratan of the premium paid by the Policyholder as required, and subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis erth~ the Insured or the Rental Agency for repair a replacement of the Rented Automobile as a resuk of Collision Damage to the Rented Automobile. The Company's liat~ility will be for a maximum reimbursement of $25,000. In no event will the Canpany be liable beyond the amounts actually paid by the Insured or the Rental Agency. If you or an Insured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts not covered by other insurance. This coverage is noicrll-inclusive, which means k does not cover such things as personal injury or personal liability. It does not cover you for any damages to other vehicles or property. k does not cover you fa any injury to any party. WHO IS COVERED: Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, anti~e or limked edition motor vehicles; trucks; recreational vehicles, campers, pickup trucks, and mini-buses; limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehices are motor vehicles whose replacement value exceeds $50,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has riot been manufactured for 10 years or more. WHERE YOU ARE COVERED: Coverage applies to vehicles rented in the United States and Canada only. Coverage is not available where prohibited bylaw. WHAT IS ~ COVERED: Coverage does not apply to loss resuking from the folbvdng: Any dishonest, fraudulent or criminal act of the Insured. • Forgery by the Insured. • Loss due to war or confiscation by authorities. Loss due to nuclear reaction or radioactive contamination. The Insured being intoxicated, as defined by the laws of the jurisdiction where the bss occurred, or under the influence of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and property for hire. Use of the Rented Automobile by a person other than the one author-¢ed to operate the Rented Automobile by the terms of the Rental Agreement. Loss of use of the Rented Automobile. Intentional damage to the Rented Automobile by the Insured. Damage which is due and confined to wear and tear, freezing, mechanFCal or elechical breakdown or failure. Damage to tires unless the bss is coincident with a covered loss. Use of the Rented Automobile in tests, races or contests. The Rented Automobile being operated or located in any territory prohibted by the terms of the Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following temu and condkions apply: (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days k the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance cover-trig the Rented Automobile. However, the insurance provided under this plan may be primary'rf specifically provided for under the terms of this plan and k the following criteria is met: (a) the Rented Automobile is rented fa use outside the United States, ks territories and possessions; (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c) the Rented Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT:1-800-CLAIMS-0 (1-800.252-4670). You can also go to the Company Web ske (www chir,~ibb nmrim), cick on Report a Loss, select Accident, Benefks and Lrfe claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number. 1-800-300-2538 CLAIM PROCEDURE: The Insured must send the Company written notice of a claim, inducting the Insured's name and Policy number, within 90 days after a covered loss occurs. tt notice cannot be given within that time, it must be given as soon as reasonat~ly possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative: A copy of the Account statement showing the automobile rental transaction. A copy of the automobile rental agreement. • A copy of the police report. A copy of the initial claim report submitted to the automobile Rental Agency. A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance tamer(s). If no other insurance is applicable, a notarized statement from the Insured to that effect. Reminder: Please refer to the Insurance Disclosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Cover-age is not a contract of insurance but is simply an informative state-merit to elgible Insureds of the prndpal provisions of the insurance while in effect. Canplete provisons pertaining to this plan of insurance are contained in the master policy on file with DFS Services LLC, herein referred to as the Policyholder. tt a statement in this Summary of Coverage and any provision in the policy differ, the policy vdll govern. Pdicy Underwritten By Plan Administrator Federal Insurance Company ("Company") The Direct Marketing Group, Inc. a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain Vew Road, PO Boz 1615 Waren, New Jersey 07061-1651 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior discbsures, program descriptions, advertising andlor brochures bl' any party. Policyholder and Canpany reserve the right to change the benefits and features of these programs at any time. Cancellation: Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. tt Policyholder does cancel these benefits, you will be notfed at least 60 days in advance. tt the Company terminates, cancels or chooses not to renew the coverage to Policyholder, you will be notified as soon as is practicable, Insurance benefits will still appy for any benefits you were eligible for prior to the date of such terminations, cancellation ornon-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial instdutans. The United States is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. virgin Islands. No person a entity other than the Card-member shall have any legal or equitable right, remedy, or claim for insurance proceeds andlor damages under or arising oui of this coverage. These benefits do not apply if your Card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Account is suspended or gncelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned wtthart the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void rf, whether before or after a bss, the Policyholder or its subscribing organization(s) has concealed or misrepre-sented any material fad or dreumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud a false swearing by the Policyholder or its subscribing organi-za-tion(s) relating hereto. Addition of New Insureds: All eligible persons will be automatically insured under this Policy. Examination Under Oath: tt is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonably required by the Company, will submit, and within its power cause others to submit, to examinatans under oath and will produce for examination all writamgs, books of account, bills, invoices and other vouchers, or certified copies thereof if originals are lost, at such reasonable time and place as may be designated by the Company or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, exami-nation of documents or any other act of the Company, its employees or representatives in conned'ron with the investigation of any loss or daim will be deemed a waiver of any defense and such ads shall be deemed to have been made or done without prejudice to the Companes liability. No Benefit to Others: This coverage will in noway inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation: It is a condition of this insurance that it the Company pays the Insured for a loss, it will require the Insured to assign and transfer any claim or right of action against any individual, firm or corporation for such loss to the Company or subrogate or hold in trust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonaby requested by the Company and to return to the Company any recovery to the extent payment of bss has been made by the Canpany. Arbitration: In the event of a dispute under this policy, either the Com-pang or the Insured may make a written demand for arbitration. In that case, the Company and the Insured v~ill each select an arbitrator. The two arbi-tra-tors will select a third. If they cannot agree w~itfmin 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will beheld in the state ct the Insured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Gobal Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. It is operated by AXA Assistance USA, Inc. visit Discovercard.cor/travel to team more. Eligibility. You must be a Cardmember whose Account is in good standing, the Cardmember's spouse or dependent child traveling with the Card-member or an Authored User of an Account in good standing. Third-Party Charges. Global Travelers Hotline is not insurance, so you will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Call us at 1.800-DISCOVER (1-800-347-2683) for assistance or if you have questions about a specific destination. Outside the U.S., callus collect at 1-801-902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective a~liates will be liablerf a service is not provided or for any services that are provided by third parties. The services and these terms and conditans are subject 1o change without notice. DISCOVER YOUR DISCOVER® ACCOUNT CARDMEMBER AGREEMENT ................Pages 1-13 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. PRIVACY POLICY ...... . ..................Pages 13-16 A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 15. BILLING RIGHTS ..........................Pages 16-17 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION Of COVERAGE ...............Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE ..................Page 25 The terms and conditions of this free travel assistance benefit. ©2010 Discover Bank, Member FDIC TL22AG.0210 10DCM0_0260K_TL22AG0210_01361 _reader.indd 14 12/15/09 1:36:41 PM CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discovers Card Account R contains the terms and conditiorn of your Accourt, some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreemenrt shall control. We respell your privacy. See the Privacy section on page 10 and our Privacy Polity for additional information. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, including the rigght The Right to Reject Arbitration section on page 13 deuribes to a jury trial. the procedure you must follow if you desire to reject the Arbitration of Disputes section. DEFINRIONS ......................................... .......... 2 USING YOUR ACCOUNT ............................... ...... . ... 2 Your Acceptance of this Agreement .................. .......... 2 Permitted Uses of Your Account ..................... .......... 2 Prohibited Uses of Your Account ..................... .......... 3 Purchases and Cash Advances in Foreign Currencies ..... .......... 3 Cash Advances .................................... .......... 3 Balance Transfers ........ ......................... .......... 3 Credit Authorizations .............................. .......... 3 Authorized Users .................................. .......... 3 Unauthorized Use .............................. .. .......... 3 Your Credit Lines .................................. .......... 4 CHANGES TO THIS AGREEMENT ......................... .......... 4 MAKING PAYMENTS ................................... .......... 4 Promise to Pay .................................... .......... 4 Monthly Billing Statement .......................... .......... 4 Monthly Payment Options ............. . ............ .......... 5 Automatic Billing Arrangementr ..................... .......... 5 How We Apply Payments ........................... .......... 5 Minimum Monthly Payment ..................... . ... .......... 5 Skip-A-Payment Offers ............................. .......... 5 Credit Balances .................................... .......... 5 FINANCE CHARGES .................................... .......... 6 How We Calculate Periodic finance Charges ........... .......... 6 How We Calculate Your Balances ................ . ... .......... 6 Variablelnterest Rates .............................. .......... 7 Default Rate ...................................... .......... 7 Cash Advance Transaction Fee Finance Charges ........ ......... . 8 Balance Transfer Transaction Fee Finance Charges ...... .......... 8 Foreign Currenry Transaction Fee finance Charges ..... .......... 8 Minimum Finance Charge ....................... ... .......... E Account Set-up Fee Finance Charge .................. .......... 8 FEES ................................................ ........... f Annual Fee ....................................... .......... f Late Fee ...................................... .. ........... S Returned Payment Fee ............................ ........... 5 Returned Discover Card Check Fee .................. ........... S Pay-By-Phone .................................... ........... 5 Research Fee ..................................... ........... ~ DEFAULT AND CANCELLATION ......................... ........... S Types of Default .................................. ........... S Consequences of Default .......................... ........... S Cancellation ..................................... ........... ~ PRIVACY AND OUR COMMUNICATIONS WITH YOU ....... .......... 1( Our Privacy Policy ................................. .......... 1( Reporting to Credit Reporting Agencies ............. .......... 1( -t- 100GM0_0260K_TL22AG0210_01361 _reader.indd 3-4 12/15/09 1:36:41 PM Our Communications with You ................ ............... 10 Releasing Information About Your Account ..... ............... 10 Electronic Notices to You ..................... ............... 10 Notices-Changes to Yourlnformation ......... ................10 CLAIMS AND DISPUTES .......................... ................10 Merchant Disputes ........................... ................10 Claim Notices ............................... ................11 Arbitration of Disputes ....................... ................11 Right to Reject Arbitration .................... ................13 LEGAL INTERPRETATION OF THIS AGREEMENT ....... ................13 Severability ................................. ................13 Compliance with Interest Rate Limitations ....... ................13 Governing Law .............................. ................13 ASSIGNMEM' OF ACCOUNT 13 ....................................... DEFINIT10N5 "Account" means your Discover Card Account. "Authorized User" means any person whom you authorize to use your Account or a Card, whether you notify us or not "Card" means any one or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates that apply to your Account The Pricing Schedule is part of this Agreement. "We" "us" and "out' refer to Discover Bank, the issuer of your Discover Card. "You," °your" or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement. The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, including the Arbitration of Disputes section on paga 11. You may, however, reject the Arbitration of Disputes section as exp{ained on page 13. Permitted Uses of Your Account Your Account maybe used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transactions b means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment. Your Account may be used for personal, family, household and charitable purposes. -2- Prohibited Uses of Your Account. Your Account may not be used to obtain loans to purchase, carry or trade in secur'~ties, to pay any amount you owe under this Agreement or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Currencies. If you make a purchase or cash advance in a foreign currency, it will be converted to U.S. dollars usin4either agovernment-mandated rate, agovernment-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. The rate used will be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement. We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign currenry as described in the Foreign Currenry Transaction Fee finance Charges section on page 8. Cash Advances. We may periodically offer you Promotional rates on cash advances for the time period specified in the offer, subject to the Default Rate section. The offer may contain a Cash Advance Transaction Fee Finance Charge for each cash advance. Balance Transfers. We may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain a promotional rate, which will be the Annual Percentage Rate that wi{I apply to transferred balances for the time period specified in the offer, subject to the Default Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, if applicable. Balance transfers subject to the promotional rate are referred to as promotional rate balance transfers; balance transfers for which the promotional rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction, We will not be liable to you if any of these events happen. Autforized Users. If you want to cancel the authority of a current Authorized User to use your Account or a Card, you must noti us and destroy any Card in that person's possession. You can noti us by telephoning 1-B00-DISCOVER (1-800-347-2683), or by writing Discover, PO Box 30943, Sah Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom it is issued. H a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-SOO~DISCOVER (1-800-347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. You agree to -3- 70DCM0_D260K_TL22AG0270_01367 _reader.indd 5-6 12/75/09 7:36:41 PM I assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our investigation. Your Credk Lines. We will advise you of your Account credit line. We may impose a lower line that will apply to cash advances, referred to az the cash advance credit line. We may also impose a lower line that will apply to balance transfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit line. If you exceed your Account credit line, we may requert immediate payment of the amount by which you exceed your Account credit line. We may increase or decreaze your Account credit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. CHANGES TO THIS AGREEMENT From time to time, we may, to the extent permitted by law, change any term of this Agreement, including, but not limited to, any finance charge rate, fee or method of computing any balance upon which the finance charge rate is assessed, or add or delete any term to this Agreement. We will give you notice of the change in the time and manner required bylaw, which includes 45tlays advance written notice in some clrcumstances. In addkion, to the extent required bylaw, we will offer you the op oily to rejeR a change. For example, law requires, with certain excepboP nsuthat we offer you the opportunity to rejeR an increase in a late fee or the elimination of a grace period prior to the effective date of the change. ff you reject a change in accordance with the instructions in the notice provided, we will close your Account and you will no longer be able to use it for further transactions. You can then pay the remaining balance under the unchanged term. We may also change any term of any product, service or benefit offered in connecton with your Account. We will notify you as required by law or by the terms of the product, service or benefit MAKING PAYMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers including applicable Finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are using your Account or a Card. If you pay us in other than U.S. dollars, we may refuse to accept the payment or charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. If your Account is a joint Account, each of you agrees to be liable individually and jointly for the entire amount owed on your Account. We can accept late payments or ppaartial payments or checks and money orders marked "payment in full° or with any other restriRive endorsement without kxing any of our rights under this Agreement. Monthly Billing Statement We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless -a- 10DCM0_0260K_TL22AG0210_01361 _readecindd 7-8 we waive our right to do so as permitted bylaw. The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other credits posted to your Account during the billing period. n will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement. See the Minimum Monthly Payment section on page 5. Monthly Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms stated on your monthly billing statement, as well as the payment cut-off time stated in this section, and we will credit your Account in accordance with those terms and this section. Payments received in proper form at our processing facility by 5PM local time on any day will be credited as of that day. Payments received in proper form at our processing facility after 5PM local time will be credited as of the next day. Automatic Billing Arrangements. If your Account number and/or Card expiration date changes and our records indicate you have automatic billing established with a merchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommendthatyou verifythemerchant has your newAccount information. You must contact the merchant directly if you do not wish to continue the automatic billing arrangement. How We Apply Payments. Each billing period, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply these excess amounts in order of the Annual Percentage Rate applicable to the balance of each transaction category (as referenced in the Finance Charges section), generally from highest to lowest, beginning with the balance subject to the highest Annual Percentage Rate. Otherwise, we will apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits in accordance with applicable law. Minimum Monthly Payment The Minimum Payment Due each billing period will equal: (i) the greater of: • $40; • 2% of the New Balance; or • current Periodic Finance Charges plus Late Fees plus $20; (ii) plus any past due amount. We may also include some or all the amount by which you exceed your Account credit line. When we calculate the Minimum Payment Due, we may subtraR from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due will be rounded up to the nearest dollar and will never exceed the New Balance. Skip•A-Payment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment, finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business days from receipt of your written request. If you do not request a refund, -s- 12/15/09 1:36:42 PM we will automatical~ refund credit balances greater than $1 that remain in your Account after months. FINANCE CHARGES How We Calculate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period." There is no grace period on balance transfers or wsh advances. As more fully described in the section titled "How We Apply Payments," we generally apps payments to your Account based on the Annual Percentage Rate applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchases. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) times (Daily Periodic Rate). You may refer to the Finance Charge Summary on your billing statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. How We Calculate Your Balances. We use the Average Daily Balance (including newtransactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dlwding the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account, fees charged that -6- day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction Category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. Variable Interest Rates. One or more Daily Periodic Rates and corresponding Annual Percentage Rates that apply to a transaction category may be variable rates as set forth in your Pnang khedule or in any speaal offers you receive from us. Variable Annual Percentage Rates are determined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing khedule as "Prime + (percentage points)." For urposes of this Agreement, the Prime Rate is the highest rate of interest PSted as the "prime rate" in the Money Rates section of The Wall Street Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same month as the change in the Prime Rate. An increase m the Annual Percentage Rate may increase your Minimum Payment Due. Default Rate. Each time that you do not make the Minimum Payment Due by the Payment Due Date we may, in accordance with applicable law: (i) terminate the availability of any promotional Annual Percentage Rates on new transactions; and (ii) increase your Annual Percentage Rates for new transactions to variable Default Rates. Each new variable Defauh Rate for a new transaction is determined by adding up to 5 additional percentage points to the otherwise applicable Annual Percentage Rate and will vary based on any changes in the Prime Rate. (For example, if the promotional purchase rate was 2.99°k and the rate for other purchases was 15.99% and you paid late once, the rate for all new purchases could increase up to 20.99% variable and vary thereafter with the Prime Rate.) When we first determine the variable Default Rates, we use the Prime Rate effective for the billing period in which you pa late. The variable Default Rates are determined in accordance with the Variable Interest Rates section. We will base your Defauk Rate on your creditworthiness and other factors such as your current Annual Percentage Rates and your Account history. If we increase any of your Annual Percentage Rates to a Defauh Rate, we will send you a notice, in accordance with applicable law, advising of (i) the date the new Default Rate will apply (the 'Default Rate Effective Date'), (ii) the type of new transactions to which h will be applied (note: the new Default Rate will not apply to any other tramactions) and, (iii) your right to reject the new Defauk Rate. New transactions are those transactlons which either (i) have a Transaction Date, as shown on your billing statement, of more than fourteen days after we mail or deliver the notice to you or, (ii) if permitted by ap liable law, were posted to your Account after the current Default Rate Effective Date. Your Account will not be subject to a Default Rate for the first twelve billing periods after your Account is first opened. -~- 10DCM0_0260K_TL22AG0210_01361 _readecindd 9-10 12/15/09 1:36:42 PM If your Annual Percentage Rate for purchases, balance transfers or cash advances was increased to a DefauR Rate, we will, to the extent required by applicable law, periodically review your Account to determine if any of your Annual Percentage Rates should be reduced. Any reduced Annual Percentage Rates on new and existing balances may be different and may be higher than your previous standard Annual Percentage Rates for purchases, balance transfers andlor cash advances or any promotional rate. Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offe , we will charge you a Cash Advance Transaction Fee FlNANCE CHARGE of 5% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FlNANCE CHARGE of S10 and no maximum. The imposition of Cash Advance Transaction Fee Finance Charges may resuk in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance transaRion category and add up these amountr. Balance Transfer Transaction Fee Finance Charges. Unless otherwise specified in a balance transfer offer, we will charge you a Balance Transfer Transaction Fee FINANCE CHARGE of 5°k of the amount of each new balance transferwith a minimum Balance Transfer Transaction Fee FINANCE CHARGE of $10 and no maximum. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfer that is higher than the nominal Annual Percentage Rate, To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each balance transfer transaction category and add up these amounts. Foreign Currenry Transaction Fee Finance Charges. We will charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purchase made in a foreign cumenry. The imposition of Foreign Currenry Transaction Fee Finance Charges may resuh in an Annual Percentage Rate for purchases that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on purchases for each billing period, we add any Foreign Currency Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of 4.50 for any billing period in which Periodic finance Charges of less than 5.50 would otherwise be imposed. Account Set-up Fee Finance Charge. If your Pricins Schedule accompanying your Card includes an Account Set-up Fee, we will charge you aone-time Account Set-up Fee FINANCE CHARGE in the amount indicated when we open your Account. FEES Annual Fee. If your Pricing Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your Account and at the beginning of each anniversary year your Account is open. The Annual fee is not -$- refundable, except as provided bylaw. late Fee. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period for which we did not receive timely payment If the sum is 5250 or less, the fee is 519. If it is greater than 5250, the fee is 539. Returned Payment Fee. We will charge you a Returned Payment Fee of S35 each time you pay us with a check or other instrument that 1s returned unpaid. ThK fee will also appty if a debit transaction to a deposit account from which you have authorized us in writing, electronically or orally to periodicaNy deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. Returned Discover Card Chedr fee. We will charge you a Returned Discover Card Check Fee of S35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. Pay-By-Phone. We may from time to time allow you to make payments by authorizing us over the telephone to transferor pay funds from a deposit account to your Accourit. We will not charge you aPay-By-Phone Fee. Research Fee. We may charge you a Research Fee of S5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error, DEFAULT AND CANCELLATION Types of DefauR You are in default if you become insolvent; if you file a bankruptry petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us; if you are declared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; if you die; if you fail to comply with the terms of this A reement, including failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of DefauR If you are in default, we may dec{are the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys fees and court or other collection costs as permitted by law and as actually incurred by us, including fees and costs in connection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Cancellation. You may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that we have provided you. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Diuover, PO Box 30943, Salt Lake City, UT 84130-0943.Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. {f your Account is a Jomt Account, either Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must return any Card or unused thetks to us upon request. -9- 10DCM0_0280K_TL22AG0210_01361 _reader.indd 11-12 12/15/09 1:36:42 PM PRIVACY AND OUR COMMUNICATIONS WfTH YOU Our Privary Polity. We may from time to time review your credit, employment and income records. We respect the Privary of information about you and your Account. Our Privary Polity includes a summary of the personal information we collect, when it may be shared with others, how we safeguard the confidentiality and security of information and the rteps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement. Reporting to Credit Reporting Agencies. As indicated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment hirtory of your Account, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discove, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Our Communications with You. You agree that our personnel may linen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to tolled debts. We may use any medium permitted bylaw, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail and calls to your cell phone to contact you about your Account or to offer yyou products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, you must either telephone us at 1.800-DISCOVER (1-800-347-2683) or write to us at Discover, PO Box 30%1, Sah Lake City, UT 30961-0%1. Releasing Information About Your Account We provide various methods by which you tan obtain information about your Account. We will onl release such information to you, any Authorized User that our records indicate is an authorized buyer on your Account, and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required bylaw. Our security measures cannot insure against unauthorized ingwnes. You agree that we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristics about you such as your personal identification number, Account number or serial security number. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly billing statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices - Changes to Your Information. If you change your a-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683) or by writing Discover, PO Box 30943, Sah Lake City, UT 84130-0943. It your Account is a joint Account, any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails to provide your purchase to your satisfaction and you -10- 1DDCM0_0260K_TL22AG0210_01361_reader.indd 13-14 request a credit to your Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim againrt the merchant and/or any third party for the credited amount. Upon our requert, you agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating in any Judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("Claim Notice"), at lean 15 days before intiating any Proceeding, explaining in reasonable detail the nature of the claim and any supporting facts; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate. In the event of any past, present or future claim or dispute (whether based upon contract, tort, rtatute, common law or equity) between you and us arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMBED. NETHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notv~ithstanding anything else to the contrary in this arbitration provision, only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respell to any claim made by a new party or any new claims later asserted in that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you brink in small claims court or your state's equivalent court, if any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules. Your Account involves interstate commerce and this provision shall be governed by the federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or JAMS in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, _tt_ 12/75/09 1:36:42 PM www.adr.org (phone 1-800-778-7879) or JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www.jamsadr.com (phone 1-800-352-5267). No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writmg signed by both parties. If neither AAA nor JAMS is able or willing to serve as the arbitration administrator and we and you are unable to agree on a replacement administrator or arbitrator, then a court of competent jurisdiction will appoint an administrator or arbitrator or arbitrators (in the case of an appeal to a panel of three arbitrators as described below). Unless consented to by all parties, no arbitration may be administered by any administrator or arbitrated by any arbitrator that has any formal or informal polity, rule or procedure that is inconsistent with or purports to overcide the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respect to which you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attomeys' fees andlor other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a resuk of our electing to arbitrate that claim or dispute. Send requests to Discover, PO Box 30421, Sah Lake City, UT 84130-0421. The arbitrator will decide who will uhimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' fees and court or other collection costs" had the action proceeded in court. In no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal Judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. If requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds 5100,000, any party may appeal the award within 30 days to athree-arbitrator panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in Sood faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Other Beneficiaries of this Provision. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subl'ed to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the 12- tODCMO_0280K_TL22AG0210_01361_readecindd 16-16 benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termination of your Account as well as voluntary payment in full by you, anyy legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. Right to RejeR Arbitration. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Drscover, PO Box 30938, Salt Lake City, UT 84130-0938. If you were previously sub1'ect to arbitration with respect to any account with us, this right to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. H you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with Interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law. H it is ever finally determined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. PRIVACY POLICY We are required by federal law to provide you with a copy of our Privary Polity each year. ff you have previously notified us about your privary preferences, as desvibed in SeLYion 4, it is not necessary to do so again unless you decide to change your preferences. -13- 12/15/09 1:36:43 PM We Respect Your Privacy Our mission is to provide you with superior products and services, along with the peace of mind knowing that the security of your personal information is our top priority. We understand your concerns about guarding information about you and your Account. We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privary Policy describes our efforts to meet these objectives. It includes a summary of the following important information: • A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and • The rteps you may take to limit our sharing of such information with others, See Section 4 for complete details. Please read our Privacy Policy carefully. k will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage our business, it is important that we tolled and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from conwmer reporting agencies, and from other sources, such as our Web sites. For example: • We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain information such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings with us and others. • We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2, Is Personal Information Shared with Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example, a retailer that accepts the Discover® Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a list of Cardmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf of the retailer by, for example, including an insert in their monthly billing statement or mailing the offer ourselves. We control the information used to make the offer; we do not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn information about you because only Cardmembers with certain characteristics received the offer. There are, howeve , circumstances in which we may share the information we tolled about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to adhere to our privacy standards and to use this information only for the - t4 - 10DCM0_02BOK_TL22AG0210_01361 _reatler.indtl 17-18 limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval. a. Sharing Personal Information with Our Corporate family Our corporate family offers a variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Discover Card, in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies include financial service providers, such as insurance companies, and non- financial companies, such as retailers. c. Sharing Personal Information with Others We may share the information we tolled about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing, market research and data processing; other financial institutions with which we have joint marketing agreements; or companies that are our partners for co-brand credit card programs or reward programs. We may also share such information as permitted bylaw. 3. How Do We Protect the Confidentiality, 5ewrity and Integrity of Information about You1 We maintain physical, electronic and procedural safeguards to protect the information we tolled about you. Access to such information is restricted to individuals who need it in order to service your Account or provide products and services to you, and who are trained in the proper handling of such information. Employeeswho violate these confidentiality requirements are subject to our disaplinary process. Where third parties provide support services, we require them to conform to our privary standards. It is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover, PO Box 30943, Salt Lake City, UT 84130-0943 so that we can update this information. 4. How Can You Limit Sharing of Information About You? We respell your privacy and offer you choices as to whether we may share information aboutyou with others. You have the optionto tell us notto share the information we collect about you, as dexribed in Section 1, with non- affiliated third parties. You also have the optionto tell us not to share the information we tolled about you, as desuibed in Section 1, with companies in our corporate family. If you indicate a preference for either of these options, please understand that you may not receive offers for products and services provided by other compan'~es that couk! help you lower your costs, maximize your financal resources, or manage your finances. To indicate your preferences, please call us at 1-800.225.5202 or write to Discover, PO Box 30961, Salt Lake City, UT 84130-0961. ff you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your written request should include your name, address, telephone number and Account number(s) and should not be sent with any other correspondence, In order is 12!15/09 1:36:43 PM to process your request, we require that the request be provided by you directly and not through a third party. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor your request and not share this information except as permitted by law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers and financial institutions with which we have joint marketing agreements. If you are a new Cardmember, we will not share any information about you, except as permitted bylaw, for thirty days after we provide this Policy to you in order to give you an opportunity to inform us about your preferences. If you are an existing Cardmember, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior to the processing of your requert. This Privacy Polity is provided to the primary Cardmember listed on the Account. However, any joint Cardmember has the right to notify us about preferences and we will treat that request as applying to the entire Account. We do not share information about former customers, except as permitted by law This notification supersedes all previously issued Privacy Policies. We reserve the right to amend this Privacy Policy from time to time and we will notify you if we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agenry, Inc. and Discover Products Inc. Unless otherwise spec'rfied, it applies to the famiy of Discover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). ft is part of your Cardmember Agreement and provides a further explanation of how we collect and share information. You may have other rights understate laws that apply to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences for each of these separately as disclosed in the notice. Vermont Residents -Your state law requires financial institutions to obtain your consent prior to sharing information about you with others. Except as permitted bylaw, we will not share information we tolled about you with non-affiliated third parties or companies in our corporate family unless you call us at t-800-DISCOVER (1-800-347-2683) and authorize us to do so. Cal'rfornia Residents-Yourstate law requires finandal institutionsto obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted bylaw, we will not share information we tolled about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 1. Notify Us in Case of Errors or Questions About Your Bill If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill -16- 10DCM0_02BOK_TL22AG0210_01361 _reader.indd 19-20 on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • your name and Account number. • your dollar amount of the suspected error. • describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can rtop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. 2. Your Righis and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to tolled any amount you question or report you as delinquent. We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit. You do not have to pa any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. ff we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we murt tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't tolled the firrt $50 of the questioned amount, even if your bill was correct. 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. 4. Purchases Made with Checks or Cash Advances The Special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. _17_ 12/15/09 1 :36:43 PM DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discovery Cardmembers are provided with $500,000 Scheduled Air Travel Accident Insurance.* You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) will be automatically insured against Accidental Loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children far whom a ticket was Purchased on your Card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft or a conveyance operated by a military transport service or riding as a passenger in or entering or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions appty. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss murt occur within one year of the Accident. MAXIMUM LIMTT OF INSURANCE: If more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance ($20,000,000) per Accident. If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limit of insurance will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount. In the event of muhiple Accidental deaths per Account arising from any one Accident, the Company's liability for all such losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life. Benefits will be roportionately divided among the Insured Persons up to the maximum Pmit of insurance. DEFINTfi0N5: Acddent or Accidental means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. Accidental Bodijy~ju iesl means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. co means a Card account. Becefrt Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account. Cdr means the Discover Card. Cardmember means the holder of the Card whose name appears on the credit card. Comoanv means the federal Insurance Company. C T' means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account. Decendent Child or Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who _ig_ are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanently mentally or physically challenged and incapable of self support; or (3) under the age of 25 and classified asfull-time rtudents at an institution of higher learning. Domestic Partner means a person who: (1) is at least 18 years of age and competent to enter into a contract; (2) is not related to the Insured Person by blood; (3) has exclusively lived with the Insured Person for at least one year prior to the date of enrollment; (4) is not legally married or separated; and (5} as of the date of enrollment, has with the Insured Person at least two of the following financial arrangements: (a) a joint mortgage or lease; (b) a joint bank account; (c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone else. !mod means the covered circumstances for which this insurance is provided as stated in Section III of the Declaratiorx, Hazards, and described in the Hazards form, as described on page 1 of this Description of Coverage. Insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. L,~st means the Loss of Life. Loss of Life means death, including clinical death determined by the local governing medical authorities. PoIlNholder means DFS Services LLC, the entity responsible for the payment of premium. Scheduled Aircraft means an aircraft owned and(or operated by a Scheduled Airline. Scheduled Airline means an airline which is either of United States registry and certified by the United States government to carry passengers on a regulady scheduled basis or of foreign register and approved by the United States government and the appropriate foreign authority. J~a[ means hostilities following a declaration of War by a government authority. If there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hortility. DISAPPEARANCE BENEFITS: fF the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Aircraft or conveyance in which the Insured Person was covered as an occupant, R will be assumed, subll'ect to all other terms of the polity, that the Insured Person has suffered Loss of L'rfe covered under this polity. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Insured Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmember's Account while the insurance is effective. It is not necessary for you to notify the Poliryholder or the Company when Scheduled Airline tickets are purchased. EFFECTNE DATES: Your insurance under this insurance plan is effective on the later of: i) April 1, 2007; or 2) the date you become an eligible Cardmember. Your insurance coverage under this insurance plan will cease on the earlier of: (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. _tg_ 10DCM0_02BOK_TL22AG0210_01361_reader.indd 21-22 12/15/09 1:36:44 PM COST: This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Poliryholder pays the full cost of the insurance. THE BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by you. If no such designation has been made, that benefit will be paid to the first surviving beneficiarryy in the following order: a) your spouse; b) your children; c) your parents d) your brothers and sisters, e) your estate. All other indemnities will be paid to you. If you wish to change your beneficiary, you may request a beneficiary designation form by venting to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at Beneficiaryrequest~TheDirectMG.com. EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an Accident occurring while an Insured Person is in, entering, or exiting any aircraft owned, leased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Poliryholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Person is in, entering, or exiting any aircraft while ailing or training as a pilot or crew member (this exclusion does not apply to passengers who temporarily perform pilot orcrewfunctions in a life threatening emergenry); (3) emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunRions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Lou covered by this polity or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Lass within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of Loss. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of the policy. ARBITRATION: In the event of a dispute under this polity, either the Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. The two arbitrators will select a third. If they cannot agree within 15 days, either the Company or the Insured Person may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured Person's principal residence. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE -20- 10DCM0_02BOK_TL22AG0210_01361_reader.indd 23-24 CLAIMS SERVICE CENTER AT 1-800•CLAIMS-0 (1-800-252-4670). You can also go to the Company Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300.2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Complete polity provisions are contained in the Master Policy, which can be obtained from the Poliryholder: Policy #9906-18-06 Polity Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COWSION COVERAGE Discover® Cardmembers can benefit from the security and safety offered through Excess Collision Dama a Waiver. If you rent a vehicle for 31 consecutive days or less (or 45 days under certain circumstances described below) with your Card (as defined below), you may be eligible for benefits under this coverage. Excess Collision Damage Waiver is an insurance program, underwritten by federal Insurance Company Polity #9906-17-63 (the "Polity"). DEFINRIONS: Account means a Card account. Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of loss, less depreciation. L means the holder of the Card whose name appears on the credit card. Sim means the Discover Card. Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling ob'ects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. Comoanv means the Federal Insurance Company. l~ means Cardmembers and authorized users of the Account. Poli older means DFS Services LLC, the entity responsible for the payment of premium. Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdiRion. Rented Automobile means afour-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented _ zt _ 12/15/09 1 :36:44 PM Automobile must be designed for travel on public roads and rented from Rental Agenry. TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile is charged or debited to your Account. It is not necessary for you to notify the Company at the time the rental fee is charged or debited to your Account. • You must decline the LosslDamage Waiver offered by the vehicle Rental Agency. • You must rent the vehicle in your own name and sign the vehicle rental agreemenUcontract. • The coverage period will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECENE: In consideration of the premium paid by the Poliryholder as required, and subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liability will be for a maximum reimbursement of $25,000. In no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. • If you or an Insured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts not covered by other insurance. • This coverage is not all-inclusive, which means it does not cover such things as personal in'urryy or personal liability. It does not cover you for any damages to other ve~icles or property. It does not cover you for any injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles; trucks; recreational vehicles, campers, pickup trucks, and mini-buses; limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds 550,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented anywhere in the world. • Coverage is not available where prohibited by law. WHAT IS It QT COVERED: Coverage does not apply to loss resulting from the following: • Any dishonest, fraudulent or criminal act of the Insured. • Forgery by the Insured. • Loss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination. • The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and property for hire. 22 - • Use of the Rented Automobile by a person other than the one authorized to operate the Rented Automobile by the terms of the Rental Agreement. • Loss of use of the Rented Automobile. • Intentional damage to the Rented Automobile by the Insured. • Damage which is due and confined to wearand tear, freezing, mechanical or electrical breakdown or failure. • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement. FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance cover- ing the Rented Automobile. However, the insurance Provided under this plan may be pprimary if spec'rfically provided for under the terms of this plan and ff the following criteria is met: (a) the Rented Automobile is rented for use outside the United States, its territories and possessions; (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c) the Rented Automobile is rented without a driver. HOW TO FlLE A CLAIM UNDER EXCESS COWSION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-800{LAIMS-0 (1-B00-252.4670). You can also go to the Company Web site (wwwchubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a daim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800.300-2538 CLAIM PROCEDURE: The Insured must send the Company written notice of a claim, including the Insured's name and Polity number, within 90 days after a covered loss occurs. If notice cannot be iven within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative: • A copy of the Account statement showing the automobile rental transaction. • A copy of the automobile rental agreement • A copy of the police report. • A copy of the initial claim report submitted to the automobile Rental Agenry. • A copy of the paid claim presented by the automobile Rental Agenry for the Collision Damage for which the Insured is responsible. -23- 10DCM0_02BOK_TL22AG0210_01361_readecindd 25-26 12/15!09 1:36:44 PM • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carrier(s). • If no other insurance is applicable, a notarized statement from the Insured to that effect. Reminder. Please refer to the Insurance Disdosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in the master policy on file with DFS Services LLC, herein referred to as the Policyholder. M a statement in this Summary of Coverage and any provision in the policy differ, the policy will govern. Polity Underwritten By Plan Administrator Federal Insurance Company ("Company") The DireR Marketing Group, Inc. a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain Vew Road, PO Boz 1615 Warren, N107061-1651 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising, and/or brochures by any party. Poliryholder and Company reserve the right to change the benefits and features of these programs at any time. Cancellation: Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Poliryholder does cancel these benefits, you will be notified at least 60 days in advance. If the Company terminates, cancels, or chooses not to renew the coverage to Policyholder, you will be notified as soon as is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage. These benefits do not apply if your Card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits: No rights or benefitr provided under these insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void if, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or -za- misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any ftaud or false swearing by the Policyholder or its subscribing organization(s) relating hereto. Addition of New Insureds: All eligible persons will be automatically insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonabb required by the Company, will submit, and within itr power cause others to submit, to examinations under oath and will produce for examination all writings, books of account, bills, invoices and other vouchers, or certified copies thereof if originals are lost, at such reasonable time and place as may be designated by the Company or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, examination of documentr or any other act of the Company, its employees or representatives in connection with the invertigation of any loss or claim will be deemed a waiver of any defense and such acts shall be deemed to have been made or done without prejudice to the Companys liability. No Benefrt to Others: This coverage will in no way inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation: h is a condition of this insurance that if the Company pays the Insured for a loss, it will require the Insured to assign and transfer any claim or right of action aggainst any individual, firm or corporation for such loss to the Company or subrogate or hold intrust all such rightr to the extent of the amount paid. The Insured will agree to take action as requested by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration: In the event of a dispute under this polity, either the Company or the Insured may make a written demand for arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbitrators will select a third. if they cannot agree within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Global Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. It is operated by AXA Assistance USA, Inc. Visit Discovercard.comltravel to learn more. Eligibility. You must be a Cardmember whose Account is in good standing, the Cardmember's spouse or dependent child traveling with the Cardmember or an Authorized User of an Account in good standing. Third-Party Charges. Global Traveler's Hotline is not insurance, so you will be responsible for all third-pa fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Call us at 1-B00-DISCOVER (1-800-347-2683) for assistance or if you have questions about a specific destination. Outside the U.S., call us collect at 1-801-902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable it a service is not provided or for any services that are provided by third parties. The services and these terms and conditions are subject to change without notice. -zs- 10DCM0_0280K_TL22AG0210_01361_reader.indd 27-28 12/15109 1 :36:44 PM DISC VER® YOUR DISCOVER® ACCOUNT CARDMEMBER AGREEMENT ................Pages 1-14 The terms and conditions of your Account, including how we calculate Interest Charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. BILLING RIGHTS ..........................Pages 14-16 Important information about your rights and our responsibilities under the Fair Credit Billing Act DESCRIPTION OP COVERAGE ...............Pages 16-24 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. G LOBAL TRAVE LER'S HOTLI NE ............... Page 24-25 The terms and conditions of this free travel assistance benefit. ©2011 Discover Bank, Member FDIC TL23AG.0211 v DCMO_02BOK_TL23AG0211 _00083.indd 1-2 1n1l11 9:41 AM CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discoverer Card Auount. tt contains the terms and conditions of your Account, some of which may have changed from eatier materiah provkfed to you. In the event of any differences, this Agreement shall control. We respell your privacy. See the Privacy section on page 10 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 11 indudes a waiver of a number of rights, inducting the right to a jury trial. The Right to RejeR Arbitration section on page 13 describes the procedure you must foAow'rf you desire to reject the Arbitration of Disputes section. DEFINITIONS .......................................... .......... 2 USING YOUR ACCOUNT ................................ .......... 2 Your Acceptance of this Agreement ................... ...........2 Permitted Uses of Your Account ...................... ...........2 Prohibited Uses of Your Account ..................... ...........3 Purchases and Cash Advances in Foreign Currencies ..... ...........3 Cash Advances .............. ...................... ...........3 Balance Transfers ................................... ...........3 Credt Authorizations .............................. ...........3 Authorized Users ...... .. ........................... . .........3 Unauthorized Use .................................. ...........4 Your Credit Lines .................................... ..........4 CHANGES TO THIS AGREEMENT .......................... ..........4 MAKING PAYMENTS ............ ....................... ..........4 Promise to Pay ...................................... ..........4 Monthly Billing Statement ............................ .......... 5 Monthly Payment Options ...................... ...... ..........5 Automatic Billing Arrangements ...................... ..........6 How We Apply Payments ............................. .......... 5 Minimum Monthly Payment .......................... ..........6 Skip-A-Payment Offers ............................... ..........6 Credit Balances ..................................... ..........6 PaY-BY-Phone .......................... ............. ..........6 INTEREST CHARGES .................. ................... ..........6 How We Calculate Interest Charges ................... . .......... 6 Balance Subject to Interest Rate ...................... .......... 7 Payinglnterest ..................................... ..........7 Annual Percentage Rates ............................. ..........7 VariablelnterestRates ............................... ..........7 Penalty APR ........................................ ..........8 FEES .................................................. ..........8 Cash Advance Fee ................................... ..........8 Balance Transfer Fee ................................. ..........8 Foreign Currenq Fee ................................ ..........9 Minimum Interest Charge ............................ ..........9 Annual Fee ......................................... ..........9 Late Fee ........................................... ..........9 Retumed Payment Fee ............................... ..........9 Returned Discover Card Check Fee ..................... ..........9 Research Fee ....................................... ...........9 DEFAULT AND CANCELLATION ........................... ..........9 1- 11DCM0 0280K_TL23AG0211_OD083.indd 3-4 1111/11 9:41 AM Types of Default .................................. ............9 Consequences of Default ........................... ...........10 Cancellation ...................................... ...........10 PRIVACY AND OUR COMMUNICATIONS WITH YOU ....... ...........10 Our Privacy Policy ................................. ...........10 Reporting to Credit Agencies ....................... ...........10 Our Communications with You ...................... ......... . .10 Releasing Information About Your Account .......... ...........11 Electronic Notices to You .......................... ...........11 Notices-Changes to Yourlnformation .............. ...........11 CLAIMS AND DISPUTES ............................... ...........11 Merchant Disputes ................................ ...........11 Claim Notices .................................... ...........11 Arbitration of Disputes ............................. ...........11 Right to Reject Arbitration ......................... ...........13 LEGAL INTERPRETATION OF THIS AGREEMENT ............ ...........14 Severability ...................................... ...........14 Compliance with Interest Rate Limitations ............ ...........14 Governing Law ................................... ...........14 ASSIGNMENT OF ACCOUNT ............................ ...........14 DEFlNRIONS "Account means your Dixover Card Account. "APR' means an annual percentage rate. "Authorized User° means any person whom you authorize to use your Account or a Card, whether you notify us or not. "Card° means any one or more Dixover Cards issued to you or someone else with your authorization. "Pricing khedule" means the document accompanying your Card and listing the APRs that apply to your Account and other important information. The Pricing Schedule is part of this Agreement. "We," "us" and "our' refer to Discover Bank, the issuer of your Discover Card. "You," "your" or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, i ncluding the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of disputes section as explained on page 13. Permitted Uses of Your Aaount Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign 2 currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishmeMS. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment. Your Account may be used for personal, family, household and charitable purposes. Prohibited Uses of Your Auount Your Account may not be used to obtain loans to purchase, carry or trade insecurities, to pay any amount you owe under this Agreement or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Currendes. If you make a purchase or cash advance in a foreign currenry, it will be converted to U.S. dollars using either a government-mandated rate, agovernment-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. The rate used will be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement. We charge a Foreign Currency Fee for each purchase made in a foreign currenry as described in the Foreign Currency Fee section on page 8. Cash Advances. We may periodically offer you promotional rates on cash advances for the time period specified in the offer, subject to the Penahy APR section. The offer may contain a Cash Advance Fee for each cash advance. Balance Transfers. In our dixretion, we may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. The standard purchase rate applies to balance transfers. However, we may periodically offer you promotional rates on balance transfers for the time period specified in the offer, subject to the Penalty APR section. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. We may charge a Balance Transfer fee as indicated in the Balance Transfer Fee section. Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. Authorized Users. If you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us and destroy any Card in that person's possession. You can notify us by telephoning 1.800-DISCOVER (1-800-347-Z683), or by writing Discover, PO 3 11DCM0_02BOK_TL23A60211_00083.indd 5-6 1/11/11 g:41 AM Box 30943, Salt Lake City; UT 84130.0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom it is issued. M a Card is lost or stolen, or'rf you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1.800-DISCOVER (1-800.347.2683), or by writing Dixover, PO Box 30943, Sah Lake City, UT 84130.0943. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Accourrt or a Card and to comply with such procedures as we may require in connection with our investigation, Your Credit lines. We will advise you of your Account credit line. We may impose a lower line that will apply to wsh advances, referred to as the cash advance credit line. We may oho impose a lower line that will apply to balance transfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, including Interest Charges and fees, to exceed your Account credh line. H you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line. We may increase or decrease your Account credit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. CHANGES TO THIS AGREEMENT From time to time, we may, to the extent permitted by law, dwnge any term of this Agreement inducting, but not limited to, any interest rate, fee or method of computing any balance upon which the interest rate is assessed, or add or delete any term to this Agreement We will give you notice of the change in the time and manner required by law, which indudes 45-days advance written notice in some dreumstances. In addkion, to the extent required by law, we will offer you the opportunity to reject a change. For example, law requires, wRh certain exceptions, that we offer you the opportunity to reject an increase in a late fee or the elimination of a grace period prior to the effective date of the change. H you reject a change in accordance with the instructions in the notice provided, we wid dose your Account and you will no longer be able to use it for further transactions. You can then pay the remaining balance under the unchanged term. We may abo change any term of any product, service or benefit offered in connection with your Account We will notify you as required by law or by the terms of the product, service or benefit MAKING PAYMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers including applicable Interest Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are a- using your Account or a Card. If you pay us in other than U.S. dollars, we may refuse to accept the payment or charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank aedit card account to make payments on your Account. If your Account is a joint Account, each of you agrees to be liable individually and jointly for the entire amount owed on your Account. We can accept late payments or partial payments or dreda and money orders marked payment in full' or with any other restrictive endorsement wthout losing any of our rights under this Agreement Monthly Billing Statement We will send you a billing statement after each monthly billing period in which you have a debit or credft balance, unless we waive our right to do so as permitted bylaw. The billing statement will show the purchases, cash advances, balance transfers, Interest Charges and other charges or fees and the payments or other credits posted to your Account during the billing period. R will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid, your required Minimum Payment Due maybe higher than shown on your billing statement. See the Minimum Monthly Payment section on page 5. Monthly Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in accordance with the terms stated on your monthly billing statement, as well as the payment cutoff time stated in this section, and we will «edit your Account in accordance with those terms and this section. Payments received in proper form at our processing facility by SPM local time on any day will be credited as of that day. Payments received in proper form at our processing facility after SPM local time will be credited as of the next day. Automatic Billing Arrangements. If your Account number and/or Card expiration date changes and our records indicate you have automatic billing established with a merchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that you verify the merchant has your new Account information. You murt contact the merchant directly if you do not wish to continue the automatic billing arrangement. How We Apply Payments, We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits in accordance with applicable law. Each billing period, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply these excess amounts generally in order of the APR applicable to the balance of each transaRion category (as referenced in the INTEREST CHARGES section), from highest to lowest, beginning with the balance subject to the highest APR as of the date we credit your payment. For promotional balances with the same APR, we will apply payments to the promotional balance with the longest remaining duration before promotional balances with shorter remaining durations. s- 11DCM0_0280K_TL23AG0271_00083.indd 7-e V11/11 g:41 AM Minimum Monthly Payment. The Minimum Payment Due for a billing period will equal: (i) the greater of: • 540; • 2%• of the New Balance shown on your billing statement for that billing period; or • current Interest Charges plus Late Fees plus 520; (ii) any past due amount. We may also include some or all the amount by which you exceed your Account credit line. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due will be rounded up to the nearert dollar and will never exceed the New Balance. Skip-A-Payment Offers. We may from time to time allow you to not make a Minimum Payment Due and will notify you when this option iz available. If you take advantage of this offer and do not make a Minimum Payment Due, Interest Charges and any applicable fees will accrue on your Account in accordance with this Agreement and you murt pay the Minimum Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business days from receipt of your written requert. If you do not requert a refund, we will automatically refund credit balances greater than 51 that remain in your Account after 6 months. Pay-BY-Phone. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will not charge you aPay-By-Phone Fee. INTEREST CHARGES How We Cakulate Interest Charges -Daily Balance Method (inducting current transactions): We figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, rtandard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those adjurtments required in the section titled Paying Interert). In calculating the daily balance for the firrt day of the billing period, we consider the "previous day's daily balance' to have been your balance on the lart day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. 6- When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is ported to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the rtandard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate shown on your statement is the average of the daily balances during the billing period. Paying Interest We begin to impose Interert Charges on all transactions and fees from the Transaction Date shown on your billing statement for the transaction or fee. However, if a transaction or fee is posted to your Account after the close of the billing period in which it occurs, we begin to impose Interest Charges on that transaction or fee from the first day of the billing period in which it is ported to your Account. We begin to impose Interest Charges on Interest Charges from the date they are added to your Account. We continue to impose Interest Charges on all transactions, fees and Interest Charges until you pay the total amount you owe us. Your due date will be at least 25 days after the close of each billing period except that it will be at lean 23 days after the close of each billing period that begins in February. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing rtatement, we will not impose Interest Charges on new purchases, that is purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. As more fully described in the section titled "How We Apply Payments," we apply paymerts in a manner mort favorable or convenient far us and, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply such excess amounts generally in order of the APR applicable to the balance of each transaction category (as referenced in the INTEREST CHARGES section), from highest to lowest, beginning with the balance subject to the highest APR as of the date we credit your payment. This means that if you do not pay your balance in full each month, then, depending on the balance to which we allocate your payment, you may not be able to get a grace period on new purchases. Annual Percentage Rates. The daily periodic rate and corresponding APR that apply to each transaction category are set forth in your Pricing Schedule. The daily periodic rate is 1f365th of the corresponding APR. Variable Interest Rates. One or more daily periodic rates and corresponding APRs that apply to a transaction category may be variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. Variable APRS are determined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points)." For purposes of this Agreement, the Prime Rate is the -~- 11DCM0_0280K_TL23AG0211_00083.indd 9-10 ~~. /11/11 9:41 AM highest rate of interest lirted as the "prime rate" in the Money Rates section of The Wall Street Journal on the tart business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your APR will increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same calendar month as the change in the Prime Rate. An increase in the APR may increase your Minimum Payment Due. Penalty APR. Each time that you do not make the Minimum Payment Due by the Payment Due Date we may, in accordance with applicable law: (i) terminate the availability of any promotional APRs on new purchases and balance transfers; and (ii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. Each new variable Penaty APR for a new purchase or balance transfer is determined 6y adding up to 5 additional percentage points to the otherwise applicable APR and will vary based on any changes in the Prime Rate. (For example, if the promotional purchase rate was 2.99% and the rate for other purchases was 15.99°h and you paid late once, the rate for all new purchases could increase up to 20.99°/a variable and vary thereafter with the Prime Rate.) When we first determine the variable Penalty APRs, we use the Prime Rate effective for the billing period in which you pay late. The variable Penalty APRs are determined in accordance with the Variable Interest Ratessection. We will base your PenattyAPR on yourcreditworthiness and other factors such as your current APRs and your Account history. If we increase any of your APRs to a Penalty APR, we will send you a notice, in accordance with applicable law, advising of (i) the date the new Penally APR will apply (the "Penaty APR Effective Date")and (ii) the new purchases and balance transfers to which it will be applied (note: the new Penalty APR will not apply to any other transactions). New purchases and balance transfers are those purchases and balance transfers which either (i) have a Transaction Date, as shown on your billing statement, of more than fourteen days after we mail or deliver the notice to you, or (ii) were posted to your Account after the current Penahy APR Effective Date. Your Account will not be subject to a Penalty APR for the first twelve billing periods after your Account is first opened. If your APR for purchases or balance transfers was increased to a Penalty APR, we will, to the extent required by applicable law, periodically review your Account to determine if any of those APRs should be reduced. Any reduced APRs on new and existing balances may be d'dferent and may be higher than your previous standard APRs for purchases andlor balance transfers or any promotional rate. FEES Cash Advance Fee. Unless otherwise specified in a cash advance offer, we will charge you a Gash Advance Fee in the amount indicated on your Pricing Schedule. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to a Cash Advance Fee. Balance Transfer fee. Unless otherwise specified in a balance transfer offer, we will charge you a Balance Transfer Fee of 5% of the amount of each new 8- balance transfer with a minimum Balance Transfer fee of 510 and no maximum, Foreign Currency Fee. We will charge you a Foreign Currenry Fee of 2% of the U.S. dollar amount of each purchase made in a foreign Currenry. Minimum Irterest Charge. We will charge you a minimum Interest Charge of 5.50 for any billing period in which Interest Charges of less than 5.50 would otherwise be imposed. Annual Fee. If your Pricing Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your Account and at the beginning of each anniversary year your Account is open. The Annual Fee is not refundable, except as provided bylaw. fate Fee. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late Fee is 525, except the amount of any subsequent Late fee assessed during the next six billing periods after a Late Fee is assessed is 535. The Late Fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the Late Fee was assessed and will never exceed the amount permitted bylaw. Returned Payment Fee. We will charge you a Returned Payment Fee any time you pay us with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit account from which you have authorized us in writing, electronically or orally, to deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. The amount of the fee is 525, except the amount of any subsequent Returned Payment Fee assessed during the next six billing periods after a Returned Payment fee is assessed is 535. The Returned Payment Fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the payment was rt'tumed to us and will never exceed the amount permitted by law. Returned Discover Card Chedt Fee, We will charge you a Returned Discover Gard Check Fee each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. The amount of the fee is 525, except the amount of any subsequent Retumed Discover Card Check Fee assessed during the next six billing periods after a Returned Discover Card Check fee is assessed is 535. The Returned Discover Card Check Fee will never exceed the amount of the check and will never exceed the amount permitted bylaw. Research Fee. We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default. You are in default if you become insolvent; it you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us; if you are declared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; if you die; if you fail to comply with the terms of this Agreement including failing to make a required payment 9- 11DCM0_02BOK_TL23AG0271_00083.indd 17-12 1!11111 9:41 AM when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of DefauR h you are in default, we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys' fees and court or other collection costs as permitted by law and as actually incurred by us, inducting fees and costs in connection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Cancellation. You may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that we have provided you. You can notify us by telephoning 1.800-DISCOVER (1-80!}347-2663), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943.Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. If your Account is a joint Account, either Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must return any Card or unused checks to us upon request. PRNACY AND OUR COMMUNICATIONS WRH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respect the privacy of information about you and your Account Our Privacy Policy includes a summary of the personal information we collect, when it may be shared with others, how we safeguard the confidential'ityond security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement. Reporting to Credit Reporting Agenties. As indicated in our Privacy Policy, we may report to aedit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. Late payments, missed paymentr or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month. H you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Our Communications whh You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to tolled debts. We may use any medium permitted by law, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, a-mail, text messages and calls to your cell phone to contact you about your Account or to offer you products or services that may be of value to you. H you prefer not to be contacted in one or more of these ways, you must either telephone us at 1-B00-DISCOVER (1-800.347-2683) or write to us at Discover, PO Box 30961, Soh Lake City, UT 64130.0961. -10- Releasing Information About Your Account We provide various methods by which you can obtain information about your Account. We will only release such information to you, any Authorized User that our records indicate is an authorized buyer on your Account, and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristic about you such as your personal identification number, Account number or social security number. Electronic Notces to You. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly billing statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices - Changes to Your Information. If you change your a-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 7~800•DISCOVER (1$00-347-2683) or by writing Discover, PO Box 30943, Sah Lake City, UT 84130.0943. If your Account is a joint Account, any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant andlor any third party for the credited amount. Upon our request, you agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining party shall give the other party; (1) a written notice of the claim ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any supporting facts; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims invoHing our parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate. In the event of any past, 11 11DCM0_02BOK_TL23AG0211 _00083.indd 13-14 I/11l11 9.41 AM New Balance D'SC~„VER $3,823.89 10 SDSN6A02 0027353 JERRY L HOPE is weer cIR CAMP HILL PA 17011-1343 Minimum Payment Due Account Number ending in 6432 $77.00 Enter Amount Encbsed Below Payment Due Dare ~ ~-~ September 9, 2005 please make check payable to Dixover Platinum Card or pay online ~ Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 ~~~srr~fsrrrrr ~~~~rrr~i~ir~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space In~r~~u~ni~~~~rn~n~r~m~~~~ ~ ~ ~ ~~ ~ l ~ ~ ~~ above, or go to Dixover.com. Print your email address to n1 n n u n n u i n receive important Account information and special offers. DDOOD1986458320542844038238 90D085000D077DD Discover Platinum Card Account Summary Closing Data: August 10, 2005 page 1 of 1 Account number ending in 6432 Previous Baance $3,856.40 Payment Due Date September 9. 2005 Payments And Credits $5,00 i Minimum Payment Due $77.00 Purchases + 0.00 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $1 176.00 Balance Transfers + 0.00 Cash Credit Limit $1,300.00 Finance Charges + 52.49 Cash Credit Available $1 176.00 _ New Balance = $3,823.89 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshback Bonus® Opening Coshback Bonus Balance $ 2.60 New Coshback Bonus This Period + 0.00 Cashback8onus®Anniversary Month: August Coshback Bonus Balance 2.60 Keep using your Dixover(R) Card and watch your Coshback Bonus(R) growl How Can We Hel You? ' visit Discewrcom ro pay year btu ~ ne pest, view r P latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for Fast, easy selhservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance (or hearing impaired) see reverse side 3. Write us aF Dixover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud lfabfliy Guarantee Use your Discover Card with confidence. Dat~ss Dais Payments and Credda Aug 5 Aug 5 PAYMENT THANK YOU $ -85.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.9D9e. Rate is subject to thalerms of the offer including expiration. i Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Bal Periodic PERCENTAGE PERCENTAGE FR+UWCE HNANCE ances Rotes RATES _ RATES C GES CHARGES current billing period: 31 days ~~~r~~ Purchases $3865.38 0.04381 % 15.9990 V 15.99% $52.49 $0 Cash Advances $0 0.05751 % 20.99% F 20.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. o,,,o,,.,, ~,~.,_.,.- use your Uiscover(R) Cord with confidants knowing that it has the identity Fraud services ranked # 1 by Javelin Strategy & Research. Your account is protected anytime, anywhere with $0 fraud liability guarantee and we'll call you right away if there is unusual activity on your account. To loam more, visit Discovercord.com/protection. New Balonce Minimum Paymenf Due Account Number ending in 6432 DISCOVER 54,089.99 S82.oo Enter Amount Enclosed Bebw --Payment Due Date_~ - ~ ~- Cktobsr 9, 2005 p~~ make check yyaabk ro Dixover Platinum Card a pay online ~Dixovercard.com. t 0 SDSN6A02 0027354 JERRY L HOPE Text APP to DISCOV` to receive a Link to our free mobile app and pay your gill in seconds 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 IllrrrllrrrrrrlllLrr6Lr1 CHARLOTTE NC 26272-1084 Address, e-mail or telephone change$ Print change in space Irr~r~lrr~rrilrlliirlrrlrl~r~~lllrrr~rrlrrlrrllri~rrlrrlrlrrll above, or go to Dixover.com. Print your e-mail address to receive important Aceount information and special offers. OQOD01986458320542844040899900080000008200 Discover Platinum Card Account Summary Closing Dote; September 10, 2005 page 1 of 2 Account number ending in 6432 Previous Balance $3,823.89 Payment Due Date October 9 2005 Payments And Credits gp,00 .Minimum Paymenf Due $82.00 Purchases + 292.64 Credit Limit $5,000.00 Cosh Advances + 0.00 Credit Available $910.00 Balance Tronsfers + 0.00 Cosh Credit Limit $1,300.00 Fitanee Cfrarges + 53.46 Cosh Credit Avoilable $910.00 ____ New Balance _ $4,089.99 You may be able to avoid Periodic Finance Charges, see the reverse side for detoils. Cashback Bonuse Opening Coshback Bonus Balance $ 2.60 New Cashback Bonus This Period + 2.93 Cashtwck Bonus® Anniversary Month: August Cashback Bonus Balance $ 5.53 Keep usinngg your Discover(R) Card and watch your Cashback Bonus(R) growl .How Can We Hel You? P 1 Visit Discover.cem 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. Cofl 1-600-DISCOVER (347-2683) fa fast easy selhservice Please have your Discover Card available. , options or to speak with a Customer Service Account Manager 3. Write us at Dixover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions SO Fraud liability Guarantee Use your Dixover Card with confidence. T s. P ~ ~ Payments and Credits Sep 2 Sep 2 PAYMENT THANK YOU $ .8000 Merchandise/Retail Sep 6 Sep 6 CUMBERLAND VALLEY lA E PA 159.00 Restaurants Sep 3 Sep 3 GILLIGANSBARBGRIII HARRISBURG PA 54.17 Automotive Sep 7 Sep 7 ADVANCED AUTO PRTS #12 MECHANICSBURGPA 79.47 Informction For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. 9657097 C New Balance Minimum Payment Due' Account Number ending in ~Z ~~SCVER 54,312.88 ~ $87.00 Enter Amount Enclosed Below - - - _- - Payment Due Date November 9, 2005 Please make check payabk to Dixover Platinum Card or pay online Q Dixovercard.mm. 1 D SDSN6A02 0027355 JERRY L HOPE Text APP to DISCOV' to receive a Zink to our tree mobile app and pay your biA in seconds 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 ~~~+++~~++++++~~~Issr~s~r+~ CHARLOTTE NC 28272-1084 Address, o-mail or telephone change? PriMchange in space ~ii~~ll~J~i~~~~~n~~n~~~in~~~~n~~n~nlu~ln~u~n~i~n~~ above, or go to Discover.com. Print your a-mail addross to receive important Account information and special offers. 000001986458320542844043128800082000008700 Discover Platinum Card Account Summary Closing Date: October 10, 2005 page 1 of 2 Account number ending in 6432 Previous Balance $4,089.99 Payment Due Date November 9 2005 Payments And Credits 82.00 Minimum Payment Due $87.00 Purchases + 247.47 Credit Limn $5,000.00 Cash Advances + 0.00 Credit Available $687.00 Balance Transfers + 0.00 Cash Credit Limit $1,300.00 Finance Char e~ s _ _ + 57.42 Cash Credit Available $687.00 New Balance = $4,312.88 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse opening Cashback Bonus Balance $ 5.53 New Cashback Bonus This Period + 2.47 Cashbadc Bonus Balance S 8.00 Cashback Bonus®-Since Anniversary Month August: $5.40 Keep usingy your Disrnver(R) Card and watch your Cashback Bonus(R) growl How Can We Hel YCU? P 1 Visii Discewrcem ro pay your bRl for ne cost, view ur latest Account information, eam and redeem rewardsoand moro ~t'S your choice - 3 ways ro help 2. Call 1-800-DISCOVER (347-2683) for fast easy self-service Please have your Dixover Card available. , options or fo speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) sae reverse side 3. Write us at Discover Card, PO Box 30943, SaFt lake City, UT 84130 Transactions $0 Froud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Date Data Payments and Credits Sep 30 Sep 30 PAYMENT THANK YOU ~ .82 00 iNerchandise/Rsta7 Sep 14 Sap 14 OFFICEMAX 1246 APEX NC 34.09 Sep 21 Sep 21 MICHAEL'S #2754 CAMP HILL PA 37.06 Oct 3 Oct 3 THE PAPER LION GALLERY LEMOYNE PA l i 2.94 Restaurants Sep 8 Sep 1 1 RUBY'S DINER KOP PA 29.95 Home Improvement Sep 10 Sep 11 LOWE'S #2223 MECHANICSBURGPA 20.63 Sep 11 Sep 11 LOWE'S #2223 MECHANICSBURGPA 14.80 tppnfo77r~~mgqotion for You $~~te'TTb~sfer offer For current billing period: Doily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Hey, Juniors! We are searching for outstanding high xhool juniors to apply for The Dixover(R) Card Tribute Award(R) Scholarship Program. Scholarships will be awarded to high xhod juniors who have excelled beyond academics. To find out more, visit our website at wvov/.Dixovercard.com/tribute.htm. New Balance ! Minimum Payment Due Account Number ending in 6432 DISCOVER $107.Oi j $10.00 Enter Amount Enclosed Below 'Payment Due Date December 9, 2005 p~Se make check payable to Discover Platinum Card or pay online ~ Discovercard.com. t 0 SDSN6A02 0027356 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV' to receive a knk to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 )~~ssr~'srr~rr~~~~rrr~r~rr~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changes Print change in space I~~~~II~~I~~~I~I'~~~I~ilil~~~ll~I~i~I~~l~~lrr"~~I~~'~~I~'~~" above, or go to Discover.com. Print your email address to receive important Account information and special offers. 00000198645832D5428440D1070Z04686850001000 Discover Platinum Card Account Summary Cbsing Date: November 10, 2005 page 1 of 2 Account number ending in 6432 Previous Balance $4,312.88 Payment Due Date December 9, 2005 Payments And Credits 4,776.85 Minimum Payment Due $10.00 Purchases + 540.18 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available 54,892.00 Balance Transfers + 0.00 Cash Credit Umit x1,300.00 Finance (~argea + 30.80 Cash Credit Available 51,300.00 _ New Balance __ = x107.01 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance S 8.00 New Cashb«k Bonus This Period + 5.17 CashbadcBonus Balance S 13,17 Cashback Bonus®-Since Anniversary Month August: 510.57 Keep usinngg your Discover(R) Card and watch your Cashback Bonus(R) grow! How Can We Hel YOU 1 Visit Discowr.cem ro pay your bil for no cost, view ur P latest Account information, earn and redeem reward and moro tt's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for Fast, easy selfaervice Please hove your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions SO Fraud LFabflity Guarantee Use your Discover Card with confidence. T r a ns. P p a ~ Payments and Gedits Oct 27 Oct 27 PAYMENT THANK YOU $ -4,686.85 Nov 1 Nov 2 ENTERPRISE 10054656 HARRISBURG PA -90.00 Merchandise/RstaR Oct 25 Oct 25 THE SHARPER IMAGE 800-3445555 CA 76.21 Automotive Oct 7 Ckt 11 BRENNER CADILLAC HARRISBURG PA 250.00 Oct 7 Oct 11 BRENNER CADILLAC HARRISBURG.PA - i 23.97 Oct 11 Oct 1 1 ENTERPRISE 10054658 HARRISBURG PA 90.00 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE ~5:~~. Rate is subject fo the terms of the offer including expiration. Pay your household bills with your Discover(R) Card. Phone. Cable. Subscription services. And more. It's a great way to save time while building your Cashback Bonus(R). Through the generosity of our Cardmembers, Dixover(R) Card has donated more than 514 million to the Make•A-Wish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit www.wish.org. New Balonce ~ Minimum Payment Due Account Number ending in 6432 DISCOVER 5540.75 511.00 J Enter Amount Enclosed Bebw Payment Due Date $ I Joswary 9, 2006 please make cheek payable ro Dixover Platinum Card or pay online ®Dixovercard.com. 10 SDSN6A02 0027357 JERRY L HOPE TextAPP to DISCOV'to receive a link to our free mobile app and pay your bill in seconds 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 ~~~rrr~~rrrrrr~~~~rrr~r~sr~ CHARLOTTE NC 28272-1084 Address, o-mail or telephone changeR Print change in space (rrlrl~rr~rrr~el(rrrlrr~r(rrr((~(rrr~rr~rr~rr~~rrlrrlrr~r~er~~ above, or go ro Dixover.com. Print your e-mail address to receive important Accourrt information and speciol offers. 000001986458320542844005407500107010001100 Discover Platinum Card Account Summary Closing Dale: December 10, 2005 page 1 of 2 Account number ending in 6432 Previous Balance $107.Oi Payment Due Dafe January 9. 2006 Payments And Credits 107.01 Minimum Payment Due $1 1.00 Purchases + 540.75 Credit Limit $5,000.00 Cash Advances + 0.00 Credit Available $4,240.00 Balance Transfers + 0.00 Cash Credit Limit $1,300.00 Finarxs Charges + 0.00 Cash Credit Available $1,300.00 __ New Balance _ = $540.75 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Coshback Bonus® Opening Cashback Bonus Balance $ 13 17 New Cashback Bonus This Period + 4. BO Cashbadc Bonus Bdnnce $ 17.97 Cashback-Bortus® Since Anniversary Month August: $15.37 Keep usingg your Dixover(R) Card and watch our Cashback B (R) ! y onus grow How Can We Hel You? 1 Visit Discowr.com to pay year b8 for no cost, view air P latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800•DISCOVER (347.2683) for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Dixover Card avaibble. 3. Write us aF Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions 50 Fraud liability Guarantee Use your Dixovar Card with confidence. Trans. Post Dais Dats Payments and C»dits Nov 25 Nov 25 PAYMENT THANK YOU $ 107.01 Marchandcss/R.taq Nov 27 Nov 27 SHARPER IMAGE/THE 800-3445555 CA 111 16 Nov 30 Nov 30 HOT PRODUCT OUTLET 866.5341389 CA 162.10 Dec 2 Dec 2 CLKBANK'COM DOWNLOAD 800-390-6035 ID 29.95 DMOI VGNB Horns improvement Dec 6 Dec 6 LOWE'S #2223 MECHANICSBURGPA 237.54 Information For You Balance Transfer offer for currant billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE $~~:]5Q~'~. Rata is subject to the terms of the offer including expiration. Pay your household bills with your Dixover(R) Card. Phone. Cable. Subxription services. And more. It's a great way ro save time while building your Cashback Bonus(R). Through the generosity of our Cardmembers, Dixover(R) Card has donated more than $14 million to the Mako-A-Wish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) ro the Mako-A-Wish Foundation. To learn how, pleose visit Dixovercard.com or visit www.wish.org. DISCOVER New Balance I~ Minimum Payment Due' Account Number ending in 6432 $4,464.87 I $90.00 ~ Enter Amount Enclosed Bebw Payyment Due Data _-~ -• F b 200 $ ~- e -u°ry 9, 6 Please make check yyaabie ro Dixover Platinum Card or pay online ~Dixovercord.com. 10 SDSNFA02 0027358 JERRY L HOPE 15 YlEST CIR CAMP HILL PA 17011-1343 Text APP to DiSCOV* to receive a link to our free mobile app and pay your biA in seconds from anywhere! PO HOX 71084 ~~~rrr~~rrrrrr~~~~rrr~t~rr~ CHARLOTTE NC 28272-1084 Addross, e~mai) or telephone changey Print change in space )n)~~~n~ni)~~~ui~u~~~w)~))n~)u)u~i~)~u)n)u~~)u(~ above, or go to Dixover.com. Print your a-mail address to receive important Account information and special offers. DDDD0198645832D5428440446487001000DOOD90D0 Discover P{atinum Card Account Summary dosing Date: January 10, 2006 page 1 of 2 Account number ending in 6432 Previous Balance x540.75 Payment Due Date February 9 2006 Payments And Credits 462.55 Minimum Payment Due 590.00 Purchases + 2,494.79 Credit Limit 55,500.00 Cash Advances + 0.00 Credit Available 61,035.00 Balance Transfers + 1,800,00 Cash Credit limit 61,500.00 Finance Charges + 91.88 Cash Credit Available S 1,035.00 New Balance __ 64,464.87 You moy be oble to avoid Periodic Finance Charges, see the reverse side For defoils. Cashback Bonuse Cashbock Bonus®Since-Anrrivarsary Month August: 624.36 CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Dixovercard.com or call 1-800-DISCOVER to get your share of America's #1 Cash Rewards Program. Opening Cashback Bonus Balance New Cashback Bonus This Period Cashbadc Bonus Balance 6 17 97 + 6.99 S 26.96 How Con We Hel You? P 1 Visa Discawr.com ro pay your bil for na cost, view our latest Account information, earn and redeem rewards and mare ~t'S your choice - 3 ways to help 2. Coll 1-800-DISCOVER (347.2683) For Fast easy selfservice Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired) sae reverse side 3. Write us at Dixover Cord, PO Box 30943, Soh lake City, UT 84130 Transactions SO Fraud LiabF)Fty Guarantee Use your Discover Card with confidence. Trans. Post Dots Dote Payments and Credits Dec 23 Dec 23 PAYMENT THANK YOU $ 125.00 Dec 26 Dec 28 LOWE'S #1878 APEX NC •237.55 Jan b Jan b - PAYMENT THANK YOU - 100.00 Merchandise/Rsfad Dec 9 Dec I 1 AGGIES GIFTS RALEIGH NC 24.08 Dec 9 Dec 11 THE CHILDRENS PLACE #0 RALEIGH NC 74.57 Dec 9 Dec 11 QVC*3131675556 800.367.9444 PA 60.10 Dec 9 Dec 1 1 QVC*3131676312 800-367-9444 PA 60.67 9657097 Dec 14 Dec 14 BLACK ~ DECKER #i 52 4107162648 PA 27g,gq Dec 14 Dec 14 POlO FACTORY STORE #44 LANCASTER PA 12g,Op Dec 14 Dee 14 HARTSTRINGS-15 LANCASTER PA 28.98 Dec 19 Dac 19 J.N.G. NATURAL L.L.C. 7 1 7763 1 069 PA 79.50 Dec 19 Dac 19 PETSMART 00005835 MECHANICSBURGPA 50.31 Dec 19 Dec 19 RADIO SHACK 01-2010 CAMP HILL PA 180.19 Dec 20 Dec 20 KOSER JEWELERS MOUNT JOY PA 965.77 Dec 21 Dec 21 VALUE CITY 00000927603 MECHANICSBURGPA 188.69 Dec 27 Dec 27 OVERSTOCK.COM 800-843-2446 UT 34.99 25126110 Jan 5 Jan 5 BATH&BODY CAMP HILL PA 54.33 New Balance r Minimum Payment Due i Account Number ending in 6432 DISCOVER $4,497.72 j _590.00 __ _~, i Enter Amount Enclosed Bebw Payment Due Date March 9, 2006 p~~ make check yyaabb to Dixover Platinum Card or pay online ~Dixovercard.com. 10 SDSN6A02 0027359 JERRY L HOPE Text APP to DISCOV' to receive a link to our 15 WEST CIR tree mobile app and pay your biM in seconds from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 ~~~nr~~uun~~~~us~r~u~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space (rrlrl~rr~rrrlrl~rirlrr~r~rri~(~~rrr~ir~rr~rrllir~rrlir~rlrrll above, or go to Dixover.com. Print your a-mail address to receive important Account information and special offers. 0000019864583205428440449772001200000090D0 Discover Platinum Card Account Summary Closing Date: February 10, 2006 page t of 2 Account number ending in 6432 Previous Balance 64,464.87 Payment Due Date March 9, 2006 Paymenh And Credih 366.88 Minimum Payment Rue 690.00 Purchases + 346.11 Credit Limit 55,500.00 Cash Advances + 0.00 Credit Available 61,002.00 Baance Transfers + 0.00 Cash Credit Limit Si,500.00 Finance Gwrgss + 53.62 Cash Credit Available S 1,002.00 __ _ New Balance x4,497.72 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance 6 26.96 New Cashback Bonus This Period + 2.80 Cashback Bonus Balance $ 29.76 Cashback Bonus®Since Anniversary Month August: 627 16 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Dixovercard.com or call 1-800-DISCOVER to get your share of America's #1 Cash Rewards Program. How Can We Hei You? P 1 Visit Discowr.cam to pay your bit for no cost, view your latest Account information eam and redeem rewards and more ~t`S your choice - 3 ways to help , 2. Call 1-800-DISCOVER (347-2683) Far Fort easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD assistance for hearin m aired see reverse side 3. Write us at Discover Card, PO Box 30943, ( g ~ P ) Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Dixover Card wish confidence. Trans. Post Date Date Payments and Credih Jan 23 Jan 25 VALUE CITY 00000927603 MECHANICSBURGPA $ 156.88 Jan 24 Jan 24 INTERNET PAYMENT THANK YOU -90.00 Feb 3 Feb 3 PAYMENT THANK YOU 120 00 Merchandise/RetaR Jon 24 Jan 24 RADIO SHACK 01-2059 MECHANICSBURGPA 42 38 Jan 31 Jan 31 . STAPLES #990 800333-3330 CA 95.34 Feb 4 Feb 4 BATH&~BODY CAMP HILL PA 1 16.60 Restaurants Jan 12 Jan 12 DAMON'S GRILL MECHANICSBURGPA 42.79 ~t~97 Feb 3 Feb 3 BJS FUEL #9025 WOX HARRISBURG PA 49.00 information For You Congratulations) Your Account's cash credit limit has been increased to 61,500.00. Use your Cashback Bonus{R) to help others. When you donate your Cashback Bonus(R) to our charitable partners JDRF , , Junior Achievement(R) and the Make-A-Wish Foundation(R), Dixover(R) Card will add 20%to your donation. To donate your Cashback Bonus(R) or learn more, visit Dixovercard.com Dixover Card ranked # 1 in Fraud Protection Services among the largest credit card companies by Javelin Strategy & Research in its 2005 report. Your account is protected anytime, anywhere with a 60 fraud liability guarantee and we'll call you right away if there is unusual activity on your account. To learn more visit Discovercard.com/protection New Balance Minimum Payment Due ~ Account Number ending in 6432 DiSCtDVER 55,441.21 ' 5109.00 _ _ J Enter Amount Enclosed Bebw Payment Due Date $ ~- -~ Apnl 9, 2006 Please make check yyaabk to Discover Platinum Cord or pay online ~Diseowrcard.com. 10 SDSN6A02 0027360 JERRY L HOPE Text APP to DiSCOV' to receive a link to our 15 WEST CIR tree mobile app and pay your bill in seconds from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 ~~~rn~~ruur~~l~rn~r~rr~ CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space ~~~'il~iil~ii~r~lr~~~i~~i~~i~~~~liii~~i~~r~~~~~ri~ri~ii~i~ii~) above, or go to Discowr.com. Prirrt your e-mail address to receive important Account information and special offers. ODDD01986458320542844054412100120D00010900 Discover Platinum Cord Account Summary Closing Date: March 10, 2006 page 1 of 3 Account number ending in 6432 Previous Balance $4,497.72 Payment Due Date April 9 2006 Payments And Credits 140,00 Minimum PoymeM Due $109.00 Purchases + 1,001.84 Credit Limit $5,500.00 Cash Advances + 0.00 Credit Available $58.00 Balance Tronsfen + 0.00 Cash Credit Limit $1,500.00 Firancs Charges + 61.65 Cash Credit Available $58.00 _ New Balance _ _ = 55,441.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbaclc Bonuse Cnshback Bonvs®Since Anniversary Month August: 532.51 Opening Cashback Bonus Balance $ 29.76 New Cashback Bonus This Period + 5.35 Cashback Bonus Balance $ 35.11 How Can We Hel You? P 1 Visit Discewr.cem to pay your bil for no cost, view r latest Account information, earn and redeem rewards and more 1t's your choice - 3 ways to help 2. Call I-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 of Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions 50 Fraud Lfabflfly Guarantee Use your Discover Card with confidence. s. P D~ ~ Payments and Credits Mar 3 Mar 3 PAYMENT THANK YOU $ 120 00 Merchandise/Retail feb 16 feb 16 KOSER JEWELERS MOUNT JOY PA 336 02 Feb 16 Feb 16 . KOSER JEWELERS MOUNT JOY PA 244.70 .Gasoline Feb 9 Feb 11 BJS fUEL #9025 WOX HARRISBURG PA 60.00 Automoliw Feb 15 Feb IS ALAMO CAR RENTAL LAS VEGAS NV 175.14 Trawl/Entertainment Feb 12 Feb 12 BAllYS AC HOTEL AND CA ATLANTIC CITYNJ 185.98 Informaltion For You - d3alance Transfer offer for current billing period: Daily Periodic Rote: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. 9657097 r^~ New Balance ~ Minimum Payment Due DISC~..~VER' $5,392.10 5107.00 Payment Due Dafe May 9, 2006 10 SDSN6A02 0027367 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail addross to receive important Account information and special offers. Account Number ending in 6432 Enter Amount Enclosed Below $ ~~ Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 IIIrrJl~r~rrrlllL~rLlrrl CHARLOTTE NC 28272-1084 (nlillir~nrlrllurln~ilinllllnrlnhilnllu~nlirlilirll DOODD19864583205428440539210D012D000DID7DD Discover Platinum Card Account Summary Closing Date; April 10, 2006 page 1 of 1 Account number ending in 6432 Previous Balance $5,441.21 Payment Due Dote May 9 2006 Payments And Credits 120.00 ,Minimum Payment Due $107.00 Purchases + 0.00 Credit Limit $5,500.00 Cash Advances + 0.00 Credit Available $107.00 Balance Transfers + 0.00 Cash Credit Limit $1,500.00 Fiance CharOes + 70.89 Cash Credit Available $107.00 _. _ ______ New Balance _ $5,392.10 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashb«k Bonus® opening Cashback Bonus Balance $ 35.11 New Cashback Bonus This Period + p.00 Cashback Bonus Balance $ 35.11 Cashback tlonns®-Since AnntversaryMonth August: $32.51 CONGRATUTATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discovercard.com or call 1-800-DISCOVER {1-804347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Hel You? P 1 visit Discever.cem to pay yeu- bRi for ne cost, view ur lat t A t i f so ' es ccoun n ormation, earn and redeem reward and more It s your choice - 3 ways to help 2. Call 1-BOaDISCOVER (347.2683) For Fast easy self-service Please have your Discover Card available. , options or fa 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, Sah lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post DaM Dole Paymenh and Crodits Mar 31 Mar 31 PAYMENT THANK YOU $ 12000 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rafe is subject to the terms of the offer including expiration. ~gp~Charge Summary Average Daily Daily Periodic Nominal Transaction ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES _ RATES_ CHARGES CHARGES current billing period: 31 days Purchases $3914.39 0.04792% Cash Advances $0 0.05751 % 17.49% V 17.49% $58.14 $0 20.9990 F 20.99% $0 $0 BalanceTransFers $1518.58 0.02712 % 9.90% F 9.9090 $12.75 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) os noted above. Manage your account your way -whether you prefer to speak with a live person or manage things on your own, Discover(R) Card has the right account management options for you. Call 1-804DISCOVER (1-804347.2683) or visit Discovercard.com New Balance ' Minimum Payment Due, Account Number ending in 6432 DISCOVER $5,336.59 _$fo6.oo - _ _~ Enter Amount Enclosed Below Payment Due Date $ ( - June 9, 2006 Please make check payyaable to Dixover Platinum Card or pay online Q Dixovercord.com. 10 SDSN6A02 0027362 JERRY L HOPE Text APP to DISCOV' to receive a link to our 15 WEST C I R free mobile app and pay your gill in seconds from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 IIInrIln,nsllllnrlr~ul CHARLOTTE NC 28272-1084 Address, e-mail orteksphone change? Print change in space I~rl~~~irlrrr~r~~rrrlrr~~~rirl~~~rrrlrilir~rillrr~irlrrlrlrill above, or go to Dixover.com. Print your emmail address to receive important Account information and special offers. 000001986458320542844053365900150000010600 Discover Platinum Card Account Summary Closing Date: May 10, 2006 page 1 of 2 Account number ending in 6432 Payment Due Date June 9 2006 Minimum Payment Due $106.00 Credit Limit $5,500.00 Credit Available $163.00 Cash Credit Limit $1,500.00 Cosh Credit Available $163.00 Previous Balance $5,392.10 Payments And Credih 150.00 Purchases + 25.91 Cash Advances + 0.00 Balance Transfers + 0.00 Financs_Chargss ___ + 68.58 New Balance $5,336.59 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonus® Cashbock Bonus®Since Anniversary Month August: $32.57 CONGRATULATIONSI Your Cashbock Bonus(R} is waiting for you. Visit Dixovercard.com or call I-800-DISCOVER (1-800.347.2683) to get your share of America's #1 Cosh Rewards Program. Opening Cashbock Bonus Balance $ 35.1 1 New Cashbock Bonus This Period + 0.06 Cashbock Bonus Balance $ 35.17 How Can We Het You? P 1 Visit Discewrcem to pay your bi {or ne cost, view r latest Account information earn and redeem rewards and more It's your choice - 3 ways ro 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 of Discover Card, PO Box 30943, Soft Lake City, UT 84130 Transactions $0 Fraud liabillfy Guarantee Use your Dixover Card with confidence. Trans. P~ Payments and Crodits Apr 28 Apr 28 PAYMENT THANK YOU $ 150.00 Merchandise/Rsta~ Apr 25 Apr 25 QVC'2969619025 800-367-9444 PA 25.91 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subject fo the terms of the offer including expiration. 9657097 let your Dixover(R) Card pay your monthly bills, and you'll have more free time and a clearer picture of your monthly spending. Simply contact your service providers today to set up regular automatic payments with your Dixover Card and start building your Cashbock Bonus(R( even faster. New Balance DISCC9VER s5,303.oes 10 SDStJ6AD2 0027363 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Minimum Payment Due i Account Number ending in 6432 $105.00 Enter Amount Enckssed Below Payment Due Date ~ ~- -~ July 9, 2006 phase make check yyabb to Dixover Platinum Card or pay online ~Discovercard.com. Text APP to DISCOV' to receive a Nnk to our free mobile app and pay your lrll in seconds from anywhere! PO BOX 71084 llLrrlLr~.rrllllrrrl~Lrl CHARLOTTE NC 28272-1084 Address, o-moil or telephone changey Print change in space ~rrlr~~rrlrrrlr~lrrrlrr~rlrrr'~I~rrr~rrlrr~rr~lu~rr~rr~r~rr~~ above, or go to Dixover.com. Print your o-mail address to receive important Account information and special offers. 000001986458320542844053030600106000D10500 Discover Platinum Card Account Summary Dosing Dols: June 10, 2006 pogo 1 of 2 Account number ending in 6432 Previous Balance $5,336.59 Payment Due Date July 9 2006 Paymenh And Credits 106,00 Minimum Payment Due $105.00 Purchases + 0 75 Credit Limit $5,500.00 Cash Advances . + 0 00 Credit Available $196.00 Balance Transfers . + 000 Cash Credit Limit $1,500.00 Finance Chorgss + 71.72 Cash Credit Available $196.00 ___ New Balance = $5,303.06 You maybe ebb to avoid Periodic finance Charges, see the reverse side For details. CCShbQCIC OOttttse Opening Cashbaek Bonus Balance $ 35.17 New Cashback Bonus This Period + p.pD Cashback Bonus Bdance $ 35,17 Cashback Bonus® Since Anniversary Month August: $32.57 How Can We Hel YOU? 1 Visit Oiscewrcem to pay your bit for no cost view ur P latest Account information, earn and redeem reward and more It's your choice - 3 ways to help 2 Call 1-800-DISCOVER (347-2683) For fast, easy self-service Phase have your Discover Card availabb. options or fo speak with a Customer Service Account Manager For TDD (assistance for heari im fired see reverse side 3. Write us at Dixover Card, PO Box 30943, "g pa ) Sak Lake City, UT 84130 Transactions $O Frpud Lfabf(Ity Guaruniee Use your Dixover Card with confidence. T~s. Daa Payments and Credits May 26 May 26 PAYMENT THANK YOU $ 106 00 Automotive May 9 May 11 ALAMO CAR RENTAL LAS VEGAS NV 0.75 Information For You Balance Transfer offer for current billing period: Daily Periodic Rafe: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rote is subject to fha terms of fhe offer including expiration. ~~~ Charge Summary Average Daily Nominal ANNUAL ANNUAL Per Twnsadion F Daily antes Periodic Rates PERCENTAGE RATES PERCEMAGE RATES CE ~~S ~ ~~ current billing period: 31 days _ Purchases $4057.93 0.04860% 17.74% V 17.74% $61 14 $0 Cosh Advances $0 0.05751 % 20.9930 F 20.99% $0 SO Balance Transfers $1259.43 0.02712% 9.90% F 9.90% $10.58 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above New Balance ~ Minimum Payment Due Account Number ending in 6432 DISCQVER $6,086.43 ! $121.00 I Enter Amount Enclosed Below `Payment Due Date ~ $ August 9, 2006 Please make check gyaable to Discover Platinum Card or pay online ~Discovercard.com. 10 SDSN6A02 0027364 JERRY L HOPE Teat APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 PO SDX 71084 ~~~"')~"""1~~~"'~'~" CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space )u)r))u)m~~)~u~~n)~~n~)))~u~)n~n~n)~n)n~n~~~n)~ above, or go to Dixover.com. Print your email address to receive important Account information and special oilers. 000001986458320542844060864300150000012100 Discover Platinum Card Account Summary dosing Date: July 10, 2006 page 1 of 2 Account number ending in 6432 Previous Balance (5,303.06 Payment Due Date August 9 2006 Payments And Crsdits 150.00 Minimum Payment Due 5121.00 Purchases + 848.94 Credit Limit 66,100.00 Cash Advances + 0.00 Credit Available $13.00 Balance Transfers + 0.00 Cash Credit Limit $1,700.00 Financs Gfiargas + 8A.d3 Cash Credit Available $13.00 _ _ New Balance = 66,086.43 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashback Bonus® Since Anniversary Manth August: 538.16 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Dixovercard.com or call 1-800.DISCOVER (1.800.347.2663] to get your share of Amorica's #1 Cash Rewards Program. Opening Cashback Bonus Balance 6 35.17 New Cashback Bonus This Period + 5.59 C:ashback Bonus Balance 6 40.76 How Can We Help You? 1 Visit oiscaver.earn to pay year 6~1 fnr na cost, view ur latest Account information, earn and redeem reward and more (t's your choice - 3 ways b help 2. Call 1-804DISCOVER (347-2683) for fast, easy selfservice options or to speak with a Customer Service Account Monoger Please have your Dixover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side SaN Loke City, UT 84130 Transactions $0 Fmud Liabiliy Guarantee Use your Discover Card with confidence. Trans. Post Dale Dade Payments and Credits 1ul 7 Jul 7 PAYMENT THANK YOU Marchand-ue/Betel Jun 23 tun 23 RADIO SHACK 01-2339 CARY NC Jun 24 Jun 24 CLAIRE'S #6801 N MYRTLE BCH SC Jun 25 Jun 25 WAVE SURF AND SPORT N MRYRLE BCH SC Jun 26 Jun 26 KINGS AT THE BEACH NORTH MYRTLE SC Jun 30 Jun 30 FOUR FOOTED FRIENDS N.MYRTLE BCH SC Jun 30 Jun 30 ISLAND COLORS NORTH MYRTLE SC Jul 2 Jul 2 DISCOVERY CHANNEL 70 RALEIGH NC 9657097 Jul 2 Jul 2 SEPHORA #060-CRABTREE RALEIGH NC Jul 2 1ul 2 WHITE HOUSE BLK MKT #309 RALEIGH NC Jul 2 Juf 2 CLAIRE'S BOUTIQUES 6448 RALEIGH NC Restaurants Jun 24 Jun 24 JOE'S CRB-MYRTLE BCH I NORTH MYRTLE SC )ul 1 1ul 1 CRACKER BARREL 363 GARNER NC Gasoline Jun 23 Jun 23 BJS FUEL #9110 WOX CARY NC Supsrmarksh tun 20 !un 20 GIANT FOOD #269 CAMP HILL PA Warohouss dubs Jun 21 Jun 21 BJ'S # 025 25401 1 01 64 HARRISBURG PA 150.00 32.07 30-45 16.76 19.90 24.35 111.25 17.01 41.20 111.27 38.52 96.38 22.47 73.00 46.77 82.29 New Balance ~ Minimum Payment Dw Account Number ending in 6432 DISCOVER $5,979.43 ~ 5118.00 _. _ Enter Amount Enclosed Bebw Payment Due Date $ Ssplember 9.2006 Phase make check pa ble to Dixover Platirwm Card or pay online Q Dixovercard.com. 10 SDSN6A02 0027365 JERRY L HOPE TextAPP to DISCOV' to r~eive a link to our free mobile app and pay your bill in seconds 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 PO BOX 7 1 084 Illr~sllrnr~rllllrrslrlrrl CHARLOTTE NC 28272-1084 Address,e•mailortelephonechange$Printchongeinspoce (rrlrl(ril~rr(r~~rir~ir~r(rrr~l~(irr(rrlrrlir~~~rlrr~rr(i~ir~~ above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458320542844059794300200000011800 Discover Platinum Card Account Summary Closing Date: August 10, 2006 page 1 of 1 Account number ending in 6432 Previous Balance 56,086.43 Payment Due Date September 9 2006 Payments And Credits 200.00 Minimum Payment Due $118.00 Purchases + 0.00 Credit Limit $6,100.00 Cash Advances + 0.00 Credit Available $120.00 Balance Transfers + 0.00 Cash Credit Limit $1,700.00 Finance Charges + 93.00 Cash Credit Available $120.00 New Balance __ ~_ $5,979.43 You may be able to avoid Periodic Finance Charges, see the reverse side for details. COSI'lbdtlC BoifUSe Opening Coshback Bonus Balance $ 40.76 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 40.76 Cashback Bonus®Since Anniversary Month August: 538.16 CONGRATULATIONSI Your Cashback _ Bonus(R) is waiting for you. Visit Dixovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 Visit Discowr.com to pay your bbl for no cost, view your latest Account information, earn and rodeem rewards and more It's your choice - 3 ways to help 2. Call 1-800•DISCOVER (347-2683) for Fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Sah Lake City, UT 84130 TranSaChOnS $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Credits Aug 4 Aug 4 PAYMENT THANK YOU $ -200.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to fha terms of the offer including expiration. Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FMANCE FMIANCE Ba aces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $6086.42 0.04929% 17.99% V 17.99% $93.00 $0 Cash Advances $0 0.05751 % 20.9930 F 20.94°~ $0 SO The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above DISCOVER ss"s 9 0 ~3C8 t 0 SDSN6A02 0027366 JERRY L HOPE 15 WEST GIR CAMP HILL PA 17011-1343 Minimum Payment Due Account Number ending in 6432 5117.00 Enter Amount Enclosed Below Payment Due Data $ ~- Ckfobsr 9, 2006 Please make check payyaable fo Discover Platinum Card or pay online ~ Discovercord.com. Text APP to DISCOV` to receive a link to our free mobile app and pay your till in seconds from anywhere! PO BOX 71084 Illurllnunllllr,rlrlnl CHARLOTTE NC 28272-1084 Addross,o-mailortelephonechangeZPrintchangeinspace Inlrllulrnlillinlnlrlnillllrnlnliilullulu~nlrlnll above, or go to Discover.com. Print your o-mail address M receive important Account information and special offers. D0000198645832054284405920730D1500000117D0 Discover Platinum Card Account Summary Closing Date: September 10, 2006 page 1 of 2 Account number ending in 6432 Previous Balance $5,979.43 Payment Due Date October 9. 2006 Payments And Credits 150.00 Minimum Payment Due $117.00 Purchases + 0.00 Credit Limit $6,100.00 Cash Advances + 0.00 Credit Available $179.00 Balance Transfers + 0.00 Cash Credit Limit $1,700.00 Finanu Chess + 91.30 Cash Credit Available $179.00 _ New Balance $5,920.73 You may be obis ro avoid Periodic Finance Charges, see the reverse side for details. ~CShbf]CIC OVIIttS® Opening Cashback Bonus Balance $ 40.76 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 40.7b Cashback Banus® Anniversary Month: August ..How Can We Help You? 1 Visit Dixovsr.cero to pay your b~ 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-Boo-aSCOVER (347.2683) For fast, easy self-service Please have r Discover Card available. options or to speak with o Customer Service Account Manager ~' 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side SoM Lake City, UT 84130 'Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dots Date Payments and Gsdi-s Sep 1 Sep 1 PAYMENT THANK YOU $ 150.00 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation Form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident 8~ Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 60606.6613. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE 4.90%. Rate is subject to the terms of the offer including expiration. i nce Charge Summary Nominal Transaction Average Daily ANNUAL ANNUM Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5975.35 0.049299'0 17.9930 V 17.99% $91.30 $0 Cash Advances $0 0.057519', 20.99% F 20.99% $0 $0 The rates that apply is your Account are either fixed (F) or they may vary (V) as noted above DISCOVER New Balance ~ Minimum Payment Due ~ Account Number ending in 6432 $5,883.16 ~ $116.00 _ __ J Enter Amount Encbsed Below i_ Payment Due Date $ ~- Novsmber 9, 2006 p~~ make check payyable to Disrnver Platinum Card or pay online ~ Discovercard.com. 10 SDSN6A02 OD27367 JERRY L NOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV" to receive a {ink to our free rrabile app and pay your bill in seconds from anywhere! Po aox 71os4 Illr~rllrrr~rrllllrrrlrlrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irilrllrrl~r~Irllrrrl~~I~IrFrIIllrrrlrrllrlrrll'rlrr'11I~Irrlt above, or go ro Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458320542844058831600125000011600 Discover Platinum Card Account Summary Closing Data: October 10, 2006 page 1 of 2 Account number ending in 6432 Previous Balance $5,420.73 Payment Due Date November 9 2006 Payments And Credih 125.00 Minimum Payment Due $1 16.00 Purchases + 0.00 Credit Limit $6,100.00 Cash Advances + 0 00 Credit Available $216.00 Balance Transfers . + 0 00 Cash Credit Limit $1,700.00 Finance Charges . + 87.43 Cash Credit Available $216.00 _ New Balance _ $5,883.16 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CgShbatk ~Vlltlse Opening Cashbock Bonus Balance $ 40.76 New Cashback Bonus This Period + p 00 Cashback Bonus Balance $ 40.76 Cashback Bonus® Anniversary Month: August CONGRATULATIONS! 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? 1 Visit Dfscowrcem ro pay your bRl for ee cost, view ur P latest Aeeount information, eam and redeem reward and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for lost, easy self-service Please hove 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 LFabfllty Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Crodits Sep 29 Sep 29 PAYMENT THANK YOU $ 125 00 Information for You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 60606.6613. 9657097 Balance Transfer offer For curcent billing period: Doily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject To tha terms of the offer including expiration. Discovercord.com provides you with the easiest online self service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely email reminders ro help you avoid Fees. Easy account management is just a click away! Register or l09 in to Discovercard.cam/registermyaccount Manage your account your way -whether you prefer to speak with a live person or manage things on your own, Discover(R) Card has the right account management options For you. Call 1-800-DISCOVER (1-800.347-2683) or visit Discovercard.com DISC~3VER 55,772.93Ce 10 SDSN6A02 0027366 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 ' Minimum Payment Due ~ Account Number ending in 6432 $1 ~~~ _ _ J Enter Amount Encbsed Below Payment Due Date December 9, 2006 Pkjase make check gyaable to Discover Platinum Card or pay online ~Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Illrnllunnllllnilr~nl CHARLOTTE NC 28272-1084 Address, o-mail or telephone changeZ Print change in ce above, or go to Diacowr.com. Print your email addreu oot lrrl~((~ilrrrlrllirilrrlrlirrll(}ir~(~~lir(rr(( ri}i~(rr(r(r~(( receive important Account information and special offer. OD0001986458320542844057729 300200D00011400 Discover Open Road Card Account Summary Closing Date: November 10, 2006 page 1 of 1 Account number ending in 6432 Previous Bolance $5,883.16 Poyment Due Date December 9 2006 Payments And Credits 200.00 Minimum Payment Due $114.00 Purchases + 0.00 Credit limit $6,100.00 Cash Advances + 0 00 Credit Available $327.00 Balance Transfers + . 0.00 Cosh Credit limit $1,700.00 Finance Char_gea + 89.77 Cash Credit Available $327.00 __ _ New Balance $5,772.93 You maybe able to avoid Periodic Finance Charges, see the reverse side For details. Cashback 8onuse Opening Cashback Bonus Balonce $ 40.76 New Cashback Bonus This Period + 0.00 Cashback $onus® Anniversary Month: August Cashback Bonus Bolance 40.76 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-B00-DISCOVER (1-8 0034 7-2 6 8 3) fo get your share of America's ttl Cash Rewards Program. How Can We Hel You? 1 Visit Discaver.cem ro pay your bit 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 lost, easy self-service Pleose have your Discover Card available. options or to speak with a Customer Service Account Manoger For TDD (assistance for hearing impaired) see reverse side 3' Write us at Discover Card, PO Box 30943, Sah lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. T~s. Da Payments and Credits Nov 3 Nov 3 PAYMENT THANK YOU $ -200 ~ 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. manes Charge Summary Average Dail Doily P i d Nominal ANNUAL PERCE ANNUAL Periodic Transaction Fee y Balances er o ic Rates NTAGE RATES PERCENTAGE RATES FINANCE FINANCE _ _ CHARGES CHARGES current billing period: 31 days Purchases $5875.16 0.04929% 17.99% V 17.99% 589 77 $0 Cash Advances $0 0.05751 % 20.99% F 20.995'0 . $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V} as noted above. New Balance ~ Minimum Payment Due Account Number ending in 6432 DfSC~VER $50.96 I 515.00 ! Enter Amount Encbsed Below Payment Due Date _ $ I January 9, 2007 please make check payable to Discover Pkrtinum Card or pay online ~ iacovercard.com. 10 SDSN6A02 0027369 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV" io receive a link to air free mobile app and pay your biN in seconds from anywhere! PO BOX 71084 ~~~"'~~"""~~~+"'~'~"~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changey Print change in space ~rr~r~~ri~rrr~r~~irr~rr~r~iir~~~~rr~~rr~rr~rr~~ri~ri~rr~r~ii~1 above, or go to Discover.com. Print your `mail address ro receive important Account information and special offers. 000001986458320542844000509600000000001500 Discover Open Road Card Account Summary Closing Daie: December 10, 2006 page 1 of 2 Account number ending in 6432 Previous Balance $5,772.93 Payment Due Date January 9 2007 Paymenh And Credits 5,772.93 Minimum Payment Due $15.00 Purchases + 0.00 Credit Limit $6,100.00 Cash Advances + 0.00 Credit Available 56,049.00 Balance Transfers + 0.00 Cash Credit Limit S 1,700.00 firarru s + 50.915 Cash Credit Available S 1,700.00 _ _ __ _ New Balance ~ _ _ $50.96 You maybe able ro avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 40.76 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 40.76 Cashback Bonuses Anniversary Month: August How Can We Help You? I Visit D'acovereom ro pay your b~ for no cost, view ur latest Account information, eam and redeem reward~ond more our choice - 3 wa s to help It'S 2 Ccll 1-804DISCOVER (347-2683) for fast, easy selFservice y y Please have your Discover Card available. options or to spook with a Customer Service Account Manager For TDD (assistance Far hearing impaired) see reverse side 3. Write us of Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions SO Fraud lfabiifty Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Credits Dec 1 Dec 1 INTERNET PAYMENT THANK YOU $ -5,772.93 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.016169e; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rata is subject to the terms of the offer including expiration. Cut back on mailbox clutter! 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 al Discovercard.com, you can pay your bill quickly and easily. Sign up of Discovercard.com/ps TflialiCf~ Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FfidMICE FINANCE la es Rates RATES - RATES CHARGES CHARGES current billing period: 30 days Purchases $3446.24 0.04929% 17.999'° V 17.99% $50.96 $0 Cash Advances $0 0.05751 % 20.994'° F 20.999'° $0 $0 The rates Shat apply to your Account are either fixed (F) or they may vary (V) as noted above. Naw Balance ~ Minimum Payment Due Account Number ending in 6432 DISCVER $0.00 ~ $0.00 _ J _ _~ Enter Amount Enclosed Below Payment Due Date ~ ~- Febrvary 9, 2007 10 SDSN6A02 0027370 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anyvrhere! PO BOX 71084 ~~~us~~uun~~~~nrlr~rr CHARLOTTE NC 28272-1084 Address, e-mail or telephone thongs? Print change in space ~rr~r~~i~~irr~i)~rii~ri~r~rii~~~~rri~ri~rr~ir~~rrlrr~rr~r~ri~) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OD000198645832D542844DODOOD000000000000000 Discover Open Road Card Account Summary Closing Data: January 10, 2007 page t of 1 Account number ending in 6432 Previous Balance $50.96 Payment Due Date February 9 2007 Payments And Credits 50.96 Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $7,100.00 Cash Advances + 0.00 Credit Available $7,064.00 Balance TronsFers + 0.00 Cash Credit Limit $2,000.00 Finance Charges + 0.00 Cash Credit Available $2,000.00 ___ New Balance _ __ _ ___ J = 50.00 CdS~lbdt~C B011USe Opening Cashback Bonus Balance $ 40.76 New Cashback Bonus This Period + 0.00 Redeemed This Period 40.00 Cashback Bonuses Anniversary- Cashback-Bonus Balance $ 0.76- Month: August How Can We Hel You? 1 Visit Oi«overcam to pay your b~ for na toff, view ur p latest Account information, corn and redeem reward and more It's your choice - 3 ways to help 2• Call 1-B00-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 aF Discover Card, PO Box 30943, For 7DD (assistance For hearing impaired) see reverse side Salt lake City, UT 84130 Transactions 50 Fraud liability Guarantee Use your Discover Card with confidence. T ra ns. P b ~ ~ payments and Credits Dec 12 Dec 12 INTERNET PAYMENT THANK YOU $ 10.96 Award and Rebate Coedits Dec 12 Dec 12 REWARD REDEMPTION CREDIT .40.00 Finance Charge Summary 9657097 Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNIANCE FINANCE Balances Rates RATES RATES CHARGES CttARGES current billing period: 31 days Purchases SO 0.04929% 17.99% V 17.99% $0 $0 Cash Advances $0 0.057519'0 20.999'o F 20.9996 $0 $0 previous billing period: 30 days Purchases $0 0.049299'0 17.99% V 17.99% $0 none The rates that npply to your Account ore either Fixed (F} or they may vary Nj as noted above DISCt~VER $"; sisuzCe 10 SDSNEiA02 0027371 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Minimum Payment Duel Account Number ending in 6432 $31.00 Enter Amount Enclosed Befow Payment Due Date J $ ~--~ March 9, 2007 please make check paYable to Discover Platinum Card a pay online ~ Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! Po sox 71084 Illrrrllrrrrrrllllrrrlrlrrl CHARLOTTE NC 28272-3084 Address, o-mail or tebphone changes; Print change in space lirlrllrrlirilrllrrrlrrlilirrllllrrrlir~rrlrrllrrlrrl~~lilrill above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. DDDDD198645832D542844D1515D2DDDDODDDD031DD Discover Open Road Card Account Summary Cbsing DaFe: February 10, 2007 page t of 2 Account number ending in 6432 Previous Balance $0,00 PaymenF Due Date March 9 2007 Paymenh And Credits 0.00 Minimum Payment Due $31.00 Purchases + 1,515.02 Credit Limit $7,100.00 Cash Advances + 0.00 Credit Available $5,258.00 Balance Transfers + 0.00 Cash Credit Limit $2,000.00 Finance t31 ~s + 0.00 Cash Credit Available $2,000.00 _ ____ New Balance 51,535.02 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbotk 8onuse Opening Cashbock Bonus Balance $ 0.76 New Cashback Bonus This Period + 3 83 Cashback Bonus® Anniversary Month: August Cashback Bonus Balance 4.59 Keep usingy your Discover(R) Card and watch your Cashback Bonus(R) growl How Can We Hel You? 1 Visit Discewr.ean to pay your biR for ne cost, view ur P latest Account information, earn and redeem rewardsoand more It's your choice - 3 ways to help 2. Coll 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 Dalo Merchandise/Retail Jan 9 Jan 11 CHRISTOPHER&BANKS~414 7173030540 PA $ 36.01 Feb 3 Feb 3 WS OUTLET 0887 LANCASTER PA 422.51 2075073400000000000000 Feb 3 Feb 3 BAL*BACIARD DESIGNS 800.367.2810 GA 492.68 P47265960001 Feb 3 Feb 3 FRONTGATE CATALQG 800.626-6486 OH 199.00 509239290001 Feb 5 Feb 5 TUESDAY MORNING #0383 MECHANICSBURGPA 138.46 Feb b Feb b TUESDAY MORNING #0383 MECHANICSBURGPA 201.36 Services Jan 30 Jan 30 KIN*AMERICANHEARTASSOC 858.795.3090 CA 25.E 9657097 4631880301 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE' 9.909'0. Rate is subject fo the terms of the offer including expiration. Use your Discover(Rf Card to make a $100 donation to The Statue of Liberty-Ellis Island Foundation, Inc. and you can have the name of someone you care about engraved on The American Immigrant Wall of Honor(Ri, buik to celebrate Freedom and commemorate American Dreams. For more information log on to Discovercard.com c New Balance 'Minimum Payment Due ~, Account Number ending in 6432 D'J~~:~VER 51,912.27 548.00 _ ~ Enter Amount Enclosed Below Payment Due Date $ ~-~ Apri 9, 2007 Please make check payyable to Discover Platinum Card or pay online ~ Dixovercard.com. 10 SDSN6A02 0027372 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV" to receive a fink to our Free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 lllnrllnnnllllurlrlul CHARLOTTE NC 28272-1084 Address, o-mail or febphone chargeZ Print change ins ce lr~l~Ilrrlrrrlil~rirlr~lilrirllllrirlirlrrlrrllirlrrlrrlilrrll above, or go to Discover.com. Print your a-mail addressto receive important Account information and special offers. 000001986458320542844019122700100000004800 Discover Open Road Card Account Summary Closing Date: Mardt 10, 2007 page 1 of 2 Account number ending in 6432 Previous Balance $1,515.02 Payment Due Date April 9, 2007 Payments And Credits 100.Op Minimum Payment Due $48.00 Purchases + 465.13 Credit limit $7 100.00 Cash Advances + 0.00 Credit Available $5,187.00 Balance Transfers + 0.00 Cash Credit Limit 62,000.00 Financs Chargss + 32.12 Cash Credit Available 52,000.00 New Balance -a ~ .g l y.27 You may be abk to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 4.59 New Cashback Bonus This Period + 2.33 Cashbadc Bonus Balance S 6.92 Cashback Bonus®Since Anniversary Month August: 66.16 Keep usingg your Dixover(R) Card and watch your Cashbock Bonus(R) growl How Can We Hel You? 1 Visit Diseover.eom ro pay your bi for no cost view your p latest Account information, eam artd redeem rewards and more Itrs your choice - 3 ways to help 2. Coll 1-BOaDISCOVER (347-2683) for fast, easy self-service Please hove your Discover Cord available. options or to speak with a Customer Service Account Manager For TDD (assistance For hearin im fired see reverse side 3. Write us at Dixover Card, PO Box 30943, g p° ) Sah Lake City, UT 84130 Transactions $0 fraud Liabiliy Guarantee Use your Dixover Card with confidence. irons. Post Dab Dab Payments and Credrts Mor 2 Mar 2 PAYMENT THANK YOU $ 100 00 tMerchandiss/Retari Feb 3 Feb 11 TG •LINENSOURCE 800.431-2620 FL 19$.50 X9653600 0 Feb 3 Fob 1 i TG *LINENSOURCE 800.431.2620 FL 78.00 X9653600 0 Feb 10 Feb 1 1 MICHAEL'S #2754 CAMP HILL PA 49.68 Feb 26 Feb 26 CAMELLIA & MAIN, INC. FORT VALLEY GA 138.95 Information For You B~~~~fer 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 expiralion. Gef the flexibility of a home equity credit line with the certainty of a fixed-rate loan! Tha new Discover Home Equity Line of Credit is guaranteed never fo increase more than 1.50 percentage points over your initial rate during the first 5 years. Apply online at Discoverhomeloans.com today. Manage your account your way -whether you prefer to speak with a live person or manage it on your own, Dixover(R) Card has the right account management options for you. Call 1-800-DISCOVER (1.800-347-2683) or visit Discovercard.com C New Balance ~ Minimum Payment Due Account Number ending in 6432 D'J~t.~VER $1,866.26 ! $44.00 _ ___.__~ Enter Amount Enclosed Below Payment Due Date ~ ~-~ May 9, 2007 please make check payabb to Discover Pkrtinum Card or pay online Q Dixovercard.com. 10 SOSN6A02 0027373 JERRY L HOPE TextAPP to DISCOV'to receive a linktoour 15 WEST CIR free mobile app and pay your bill in seconds from anywhere: CAMP HILL PA 17011-1343 PO BOX 71084 tBr~rlL~rrrJllLrrlrLrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changer Print change in space ~nlrllulnrli~lnilulr~nillllur~nlulul~ulnln~rlnl~ above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. D00001986458320542844D186626000750DD004400 Discover Open Road Card Account Summary Closing Date: April 10, 2007 page t aF t Account number ending in 6432 Previous Balance $1,912.27 Payment Due Date May 9, 2007 Payments And Credits 75.00 ,Minimum Payment Due $44.00 Purchases + 0.00 Credit Limit $7 100.00 Cash Advances + 0.00 Credit Available $5,233.00 Balance Transfers + 0.00 Cash Credit Lima $2,000.00 Finance Chargea + 28.99 Cash Credit Available $2,000.00 _ New Balance __ _ $1,8b6.26 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Casitlxtck Bonus® Opening Cashback Bonus Balance S 6.92 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ b.92 Cashback 8onus®Since Anniversary Month August: $6, l b Keep usingg your DixoverlR) Card and watch your Cashback Bonus(R) growl How Can We Hel You? I Visit oi:<over.com ro pay your biU for no cost, view ur P latest Account information, earn and redeem reward and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service Please have your Dixover Card available. options w to speak with a Customer Service Account Manager 3. Write us at Dixover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liabiliy Guarantee Use your Dixover Card with confidence. Trans. Past Date Dale Payments and Credits Mar 30 Mar 30 PAYMENT THANK YOU $ .75.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE 5.90%. Rata is subject to the terms of the offer including expiration. fnance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily glances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FlNANCE FINANCE CHARGES C G S current billing period: 31 days Purchases $1897.37 0.04929% 17.99% V 17.99% $28.99 $0 .Cosh Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noFed above New Balance DISCOVER 51,818.53 i Minimum Payment Dus ~s43.oo _ Account Number ending in 6432 Enter Amount Enclosed Below Payment Due Date $ ~- -~ June 9, 2007 p~ make check payable to Dixover Card or pay online @ Discovereard.com. 10 SDSN6A02 0027374 JERRY L HOPE 15 WEST CI R CAMP HILL PA 17011-1343 Text APP to DISCOV` to receive a Nnk to our free ~~ app and pay your tilt in seconds from anywhere! PO BOX 71084 ~~~rul~rrnrrl~~~sn~rlrr~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lulrllrrlnrlrllrrrlnlr~rrrllllru~rrlrrlrr~lrrlrrlrrlr~rrll above, or 9o to Dixover.com. Print your email address to receive important Account information and special offers. OOD00198645832D542844018185300075000004300 Discover Open Road Card Account Summary Closing Dale: May 10, 2007 page 1 of 1 Accourrt number ending in 6432 Previous Balance $1,866.26 Payment Due Date June 9 2007 Payments And Credits 75,00 Minimum Payment Due $43.00 Purchases + 0.00 Credit Limit $7 100.00 Cash Advances + 0.00 Credit Available $5,281.00 Balance Transfers + 0.00 Cash Credit Limit $2,000.00 Finance Cara es + 27,27 Cash Credit Available $2,000.00 __ _ _ _ New Balance 51,818.53 You may bs able b avoid Periodic Finance Charges, see the reverse side for details. CQ5~1bdC~( oVIIUS® Opening Cashback Bonus Balance $ 6,92 New Coshback Bonus This Period + Q,QQ Coshback Bonus® SLnee Anniversary Month August: $6.16 Cashback Bonus Balance 6.92 Keep usingy your Dixover{R) Card and wakh your Cashback Bonus{R) growl How Can We Hel You? 1 Visit Diseowreem m pay your bi for no cost view ur p latest Account information, earn and redeem rewardsoand more It's your choice - 3 ways to help 2 Coil 1.800-DISCOVER (347-2683) far 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 Dixover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 f rood Liability Guarantee Use your Dixover Card with confidence. T~s. P~ Payments and Credits Apr 27 Apr 27 PAYMENT THANK YOU $ •75 00 Information For You Balance Transfer offer for currant billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAt PERCENTAGE RATE 7.90%. Rate is subject to the terms of the offer including expiration. aR~~ Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES r71eQC-FS rueora:c currant billing period: 30 days Purchases $1844.55 0.04929% 17.9990 V 17.99°/< $27.27 $0 Cash Advances $0 0.06299% 22.9990 F 22.99% $0 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) os noted above. your viscoverlKi Card tws you covered with Complete Fraud Protection for your peace of mind. Our advanced fmud warnings mean you'll know right away should any suspicious activity occur. And if your card is lost or stolen, you have $0 Proud liability guarantee-you're not responsible for any fraudulent charges. DISCOVER' s"; no89 . 10 SDSN6A02 0027375 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Minimum Payment Dua Account Number ending in 6432 543.00 _ _ _~ Enter Amount Enclosed Below Payment Due Date ~ ~-~~ July 9, 2007 please make check payable to Discover Card or pay online ~ Discovercord.com. Text APP to DlSCOV" to receive a link to our free mobile app and pay your bill in seconds from anywhere) PO BOX 71084 Ill~rrllsnsnllllr~~lrl~rl CHARLOTTE NC 28272-1084 Address,a-mail or telephonechangeZPrintchangeinspace I~~I~~I~~I~~i'~'I~~~~~~I~'~~~III'~~~'~~I~~I~~'I~~Ir'+~~I~I~~'I above, or go to Disrnver.com. Print your s•mail address to receive important Account information and special offers. 000001986458320542844017?08900075000004300 Discover Open Road Card Account Summary Closing Date: June 10, 2007 pogo 1 of 1 Account number ending in 6432 Previous Balance $1,818.53 Payment Due Date July 9 2007 Payments And Credits 75.00 Minimum Payment Due $43.00 Purchases + 0.00 Credit Limit $7,100.00 Cash Advances + 0.00 Credit Available $5,329.00 Balance Transfers + 0.00 Cosh Credit Limit $2,000.00 Financ_s Chargss + 27.36 Cash Credit Available $2,000.00 __ _ New Balance V $1,770.89 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bo~us® Opening Cashback Bonus Balance $ 6.92 New Cashbock Bonus This Period + 000 Cashback Bonus Balance S 6.92 Cashback Bonuses Since Anniversary Month August: $6.16 Keep using your Discover(R) Card and watch our Cashback B (R l y onus ) grow How Can We Hel You? p 1 Visit Discever.cem to pay your bill kr no coat, 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 of Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liabflfty Guarantee Use your Discover Card with confidence. Dm ns. P ~ ~ Payments and Credits May 25 May 25 PAYMENT THANK YOU $ -75.00 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCENTAGE RATE 7.90%. Rate is subject to fhe farms of the offer including expiration. finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily lances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FOVANCE FINANCE _ CFL4RGE5 CHARGES current billing period: 31 days Purchases $1790.75 0.04929% 17.99% V 17.99% $27.36 $0 Cash Advances $0 0.06299% 22.9990 F 22.99% $0 $0 The rotas that apply to your Account are either fixed (F) or they may vary (V) as noted above. DISCeVER New Balance Minimum Payment Due Account Number ending in 6432 $1,831.49 j_S42_DO ~ Enter Amount Encbsed Below Payment Due Date $ ~-, August 9, 2007 pj,a~ make check payable to Discover Card or pay online ~ Discovercard.com. 10 SDSN6A02 0027376 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV• to receive a link to our free mobile app and pay your bill in seconds from anywhere) PO BDX 71084 IllrrrlL~rr~~IlllrrrlrLrl CHARLOTTE NC 28272-1084 Address, e-mail or telephonechange$ Print change in space Irrl~l~i~~rrrlrllrrrlir~rlrirllllrrrlrrlrrlrr~lirlrrlrrlrlril~ above, or go to Dixover.com. Print your email address to receive important Account information and special offers. D000019864583205428440183149D0075DODOD4200 Discover Open Road Card Account Summary dosing Dale: July 10, 2007 page t of 1 Account number ending in 6432 Previous Balance $1 770.89 Payment Due Date August 9 2007 Payments And Credits 75.00 Minimum Payment Due 542.00 Purchases + 108.64 Credit Limit $7,800.00 Cash Advances + 0.00 Credit Available $5,968.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Firancs Charges + 26.96 Cash Credit Available $2,200.00 New Balance --- __ $1,831.49 You may be able fo avoid Periodic Finance Charges, see the reverse side for details. Cd5111)aC1C BOt1USe Opening Cashback Bonus Balance S 6.92 New Cashback Bonus This Period + 0.54 Cashback Bonus Balance $ 7,~ Cashback Bonus®Since Anniversary Morrth August: $6.70 Keep usingy your Dixover(R) Card and watch your Cashbock Bonus(R) grow! How Can We Hel YOU? 1 Visit Discevercem ro pay your bil for no cost, view your P latest Account information, cam and redeem rewards and more It's your choice - 3 ways b help 2. Call 1-Boa-DISCOVER (347-2683) for fast, easyselFservice Please have your Dixover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance For hearin im it sao reverse side 3. Write us of Dixover Card, PO Box 30943, g p° ~ Sah Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Dixover Card with confidence. Trans. Post Date Dale Paymsnh and Crodits Jun 22 Jun 22 PAYMENT THANK YOU ~ .75 00 ftAsrclwndiss/Rewil Jun 17 Jun 17 TJMAXX #0720 MECHANICSBURGPA 108.64 Information For You Soon we'll no bnger be printing your full account number on your statement. It's just another way to keep your information safe. But of course, if For any reason you need your full account number, it'll still be right there on your card. Finance Charge Summary ~isfer offer for current billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCENTAGE RATE: 7.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES - RATES CAGES CFIARGES current billing period: 30 days Purchases $1823.30 0.04929% 17.9990 V 17.99% $26.96 $0 Cash Advances $0 0.062999'0 22.99% F 22.99% $t1 $p The rates That apply to your Account are either Fixed (F) or they may vary (V) as noted above. Manage your account your way- whether you prefer to speak with a live person or manage it on your own, Dixover(R Cord has the right account management options For you. Visit Dixovercard.com or call 1-800•DISCOVER (1-800-347-2683). r--- ------~ New Balance Minimum Payment Due i Account Number ending in 6432 D'S~VER 51,784.39 543.00 Enter Amount Enclosed Below Payment Due Date ~ $ ~~ September 9, 2007 Please make check payable to Discover Card or pay online ~ Discovercard.com. 10 SDSN6A02 0027377 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Address, o-mail or telephone change$ Print change in space above, or go to Dixover.eom. Print your e-mail addrosa fo receive important Account information and special offers. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71D84 ~~~ns~lunn~~~~ur~r~n~ CHARLOTTE NC 28272-1084 (ulrllnlnil~~(nrlnl~)nrl~~~urlnlnlullulnlrrl~~n~~ 000001986458320542844017843900075000004300 Discover Open Road Card Account Summary Closing Date: August 10, 2007 page 1 of 1 Account number ending in 6432 Provious Balance $1,831.49 Payment Due Dofe September 9. 2007 Payments And Credits 75.00 Minimum Payment Due $43.00 Purchases + 0.00 Credit Limit $7,800.00 Cash Advances + 0.00 Credit Available $6,015.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charger + 27.90 Cash Credit Available $2,200.00 _ New Balance $1,784.39 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CO1SFIbOCIC BOnUSe Opening Coshbaek Bonus Balance $ 7.46 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 7.46 Cashback Bonusl9 Since Anniversary Month Auguste $6.70 Keep usingg your Dixover(R) Card and watch your Cashback Bonus(R) growl How Can We Hel YOU? 1 Visit Dixovorcem to pay your bill for rso cost, view ur P latest Account information, earn and redeem rewards~and more ~t'S your choice - 3 ways b 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 Dixover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Solt Lake Cily, UT 84130 Transactions SO Fraud Liability Guarantee Use your Dixover Card with confidence. ~~c. P~ Payments Ord Crodits Aug 3 Aug 3 PAYMENT THANK YOU $ .75,00 Information for You Congrafulationsl Your Account's cash credit limit has been increased to $2,200.00. Finance Charge Summary I~Q1~r offer for curcent billing period: Daily Periodic Rata: 0.02164%; corresponding ANNUAL PERCENTAGE RA E: Rote is subject fo the terms of the offer including expiration. Nominal Transaction Averoge Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates _ RATES _ RATES CHARGES CHARGES current billing period: 31 days Purchases $1825.71 0.04929% 17.99% V 17.99% $27.90 $0 Cash Advonces $0 0.06299% 22.99% F 22.94% $0 $0 The rates that apply to your Account aro either fixed (F) or they may vary (V) as noted above. Manage your budget, frock your spending and avoid Fees with FREE timely e-mail reminders. Learn more about o-moil reminders and other easy online account management options of Discovercard.com/reminders r ------- --- New Balance Minimum Payment Due Account Number ending in 6432 DISCOVER $3,616.90 $72.00 Eller Amount Enclosed Bebw 1------ Payment Due Date October 9, 2007 Please make check payable to Discover Card or pay online ~ Dixovercard.com. 10 SDSN6A02 027378 JERRY L HOPE Text APP to DISCOV' to receive a link to our free mobile app and pay your tMll in seconds 15 WEST C I R from anywhere! CAMP HILL PA 17011-1343 PO BOX 7 1 084 lllcrrllrrrccrllllrrclrlrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Print change in space )ir)r~~rr)rir~r~)r~~)rr)r~~~r)))~rrr)rr)ri~rr)~rr)ir)~i)i)rr)) above, or go ro Dixover.com. Print your e-mail address ro receive important Account information and special offers. 000001986458320542844D36169000075000007200 Discover Open Road Card Account Summary Closing Dale: September 14, 2007 page 1 of 1 Account number ending in 6432 Previous Balance $1,784.39 Payment Due Date October 9, 2007 Payments And Credits 75.00 Minimum Payment Due $72.00 Purchases + 0.00 Credit Limit $7,800.00 Cash Advances + 0.00 Credit Available $4,183.00 Bolanca Transfers + 1,798.81 Cash Credit Limit $2,200.00 Finance Charges + 108.70 Cash Credit Available $2,200.00 New Balance __ _ = $3,616.90 You may 6e able fo avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 7.46 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 7.46 Casfiback'Bonus® Anniversary Month: August Keep usingg your Dixover(R) Cord and watch your Cashback Bonus(R) grow! ~/ How Can We Hel 1 oV L? 1 Visit Diseovercom ro pay your b~ for rw cost, view your p latest Account information, aam and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for Fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Dixover Card available. 3. Write us at Dixover Card, PO Box 30943, For TDD (assistance for hearing impairadl see reverse side Sah lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Dixover Card with confidence. Tranc. Post Date Date 'Payments and Credits Aug 31 Aug 31 PAYMENT THANK YOU $ •75.00 Balance Transfers Aug 13 Aug 13 BALANCE TRANSFER CHECK 0389 477.93 Aug 13 Aug 13 BAL TRANS TRANSACTION FEE FINANCE CHARGE 19.12 APR 7.9090 EXPIRES O1/2010 Aug 20 Aug 20 BALANCE TRANSFER CHECK 0387 1,320.88 Aug 20 Aug 20 BAL TRANS TRANSACTION FEE FINANCE CHARGE 52.84 APR 7.90% EXPIRES Ol /2010 ~yy~pgq Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FR~AMCE Balances Rates __ RATES _ RATES CF44RGES ~~ current billing period: 31 days Purchases $1770.96 0.04929% 17.99% V 17.99% $27.06 $0 Cash Advances $0 0.06299% 22.99% F 22.99% SO SO Balance Transfers $1443.50 0.02164% 7.90% F 54.46% $9.68 571.96 The rates that apply to your Account are either fixed (f) or they may vary M as noted above. C New Balonce ~ Minimum Payment Due Account Number ending in 6432 D~J~~VER 53,694.80 ~ 574.00 Enter Amount Enclosed Below L __.--__. -__ __ Payment Due Date $ ~-~ Nowmbsr 9, 2007 p~~ make check payable to Dixover Card or pay online ~ Dixovarcard.com. 10 SDSN6A02 0027379 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV' to receive a link Eo our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 l~lrrrllrrrrsr ~~~~srr~r~sr~ CHARLOTTE NC 28272-1084 Address, email orfelephone changed Print change in space (r~(r(~rr(rrr(i((rrr(rr(r(rir((~(iir(ir(rr(rr~( ir(rr{rr(i(rr~1 above, or go to Discover.com. Print your email address to receive important Account information and special offers. DOOD0198645832D542844036948 0D010D000OD74D0 Discover Open Road Card Account Summary Dosing Date: October 10, 2007 page 1 of 1 Account number ending in b432 Previous Balance $3,616.90 Payment Due Date November 9. 2007 Paymenh And Credits 100.00 Minimum Payment Due $74.00 Purchases + 138.80 Credit L"imit $7,800.00 Cash Advances + 0.00 Credit Available $4,105.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges + 39.10 Cash Credit Available $2,200.00 New Balance _ X3,694.80 You may be able to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 7.46 New Cashback Bonus This Period + 0.34 Cashback Bonus Balance $ 7.80 Cashback Bonus® Anniversary Month: August Keep using your Discover(R) Card and watch C hb k B R l your as ac onus( ) grow How Can We Hel You? p 1 Visit Discovercam ro pay your biU for no cost, view our latest Account information, earn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683] for fast, easy selEservice Please have your Dixover Card available. options or to speak with a Customer Service Account Manager ' 3. Write us of Dixover Card, f O Box 30943, For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. T s. P os t ~ ~ t e Payments and Credits Sep 28 Sep 28 PAYMENT THANK YOU $ 100.00 Trawl/Errterloinment Sep 1 1 Sep 11 SWA TlD 52602334877549 DAIIAS TX 138.80 AUTOMATIC FLIGHT INSURANCE NO COST Finance Charge Summary Balance Transfer offer for currant billing period: Daily Periodic Rate: 0.02164%; corresponding A NNUAL PERCENTAGE ~~.~ Rate is subject io the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $1888.34 0.04792% 17.4990 V 17.49% $2715 $0 Cash Advances $0 0.06299% 22.9990 F 22.99% $0 $0 Balonce Transfers $1842.95 0.021649'0 7.909e F 7.90% $11.95 $0 Tha rates that apply to your Account are either fixed (F~ or they may vary (Vj as noted above. Wish you could sort these purchases by amount, description or category2 You can - regaster at Dixovercard.com to view your purchases online as far back as 12 months. Learn more of Dixovercard.com/purchases DISCOVER New Balance ~ Minimum Payment Due' Account Number ending in G432 53,635.28 $72.00 ~ Enter Amount Enclosed Below --- -- r Payment Due Date $1 December 9, 2007 Please make check payable ro Dixover Card or pay online ! Dixovercard.com. 10 SDSN6A02 0027380 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Illsrrllrrrrrrllllsrslrlrsl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space Irrlrllrrlrrrl~llirrlrrlilrrr~lllrrrlrilrrlrrllrrlrrlrilrlir~l above, or go to Dixover.com. Print your a-mail address to receive important Account information and special offers. 000001986458320542844036352800100000007200 Discover Open Road Card Account Summary Closing Date; November 10, 2007 page 1 of 1 Account number ending in 6432 Previous Balance $3,694.80 Payment Due Date December 9, 2007 Payments And Credih 100.00 Minimum Payment Due $72.00 Purchases + 0.00 Credit Limit $7,800.00 Cash Advances + 0.00 Credit Available $4,164.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges + 40.48 Cash Credit Available $2,200.00 New Balance = $3,635.28 You may be oble to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 7.80 New Cashbock Bonus This Period + 0.00 Gashback Bonus® Anniversary Month: August Keep usinngg your Discover(R) Card and watch your Coshback Bonus(R) grow! Cashback Bonus Bolonce $ 7.80 How Can We Hel You? 1 Visit Discowr.cem to pay your bi kr no cost, view your p latest Account information, eam 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 Dixover Card available. 3. Write vs at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side ScM lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. T~c. Doi Payments and Credits Nov 9 Nov 9 PAYMENT THANK YOU $ 100,00 Information For You Knowing your credit xore makes a differerxel Dixover's new Credit ScoreTracker provides easy ro use tools so you can understand your credit rating and help you reach your financial goals. Visit-0iscovercard.com/CreditScoreTracker roenroll. Finance Charge Summary Balance Transfer offer For current billing period: Doily Periodic Rate: 0.02164%; corresponding A NNUAL PERCENTAGE ~57f~'~. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fes Daily Periodic PERCENTAGE PERCENTAGE FNJANCE FNANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1916.13 0.04792% 17.49% V 17.49% $28.47 $0 Cash Advances SO 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $1791.77 0.02164% 7.90% F 7.90% $12.01 $0 The rates that apply Fo your Account ore either Fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases by amount, dexription or categoryi3 You can - rey~ster at Discovercard.com to view your purchases online as far back os 12 months. Learn more at Discovercord.com/purchases New Balance ~Minimvm Payment Duel Account Number ending in 6432 ~~SC~VER $4,696.19 593.00 Enter Amount Enclosed Below Payment Due Date ~ ~-~ January 9, 2008 Please make check payable to Dixover Card or poy online ~ Dixovercord.com. 10 SDSN6A02 0027381 JERRY L HOPE free moti le app and pay yo~r Wv'e nlink~to~osr 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 IIlrr.ll"""1111rrrlrlsrl CHARLOTTE NC 28272-1084 Address,a-mail ortefephonechangeZPrintchongeinspace I~~~~Il~~l~iil~llii~~~~l~~~~~ll{l~ii~~iliiliill~~li~l~~lilr~ll above, or go to Dixover.com. Print your o-mail addross to receive important Account information and special offers. 000001986458320542844046961900100000009300 Discover Open Road Card Account Summary Closing Date: December 10, 2007 page t of 2 Account number ending in 6432 Previous Bolance $3,635.28 Payment Due Date January 9, 2008 Payments And Credits 100.00 Minimum Payment Due $93.00 Purchases + 1 112.79 Credit Limit $7,800.00 Cash Advances + 0.00 Credit Available 53,103.00 Balance TronsFers + 0.00 Cash Credit Limit 62,200.00 rance Charges Fi 48 ,12 + Cash Credit Available 62,200.00 _ New Balance __ _ = $4,696.19 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshback Bonus® Coshback 8onus® Since Anniversary Month August: 67.86 Keep using your Dixover(R) Card and watch your Coshback Bonus(R) growl Opening Coshback Bonus Balance 6 7.80 New Coshback Bonus This Period + 7.52 Coshback Bonus Balance S 15.32 9 1 Visit Discowr.com ro pay your bil for no cost, view ur How Can We Help You. latest Account information, earn and redeem reward and more It's your choice - 3 ways b 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 Dixover Card available. 3. Write us at Dixover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence. ns. T r e P D e ~ ~ Payments and Credits Dee 7 Dec 7 PAYMENT THANK YOU AAerchendiae/RstaR Nov 11 Nov 11 OVC`299979969002' 800.367-9444 PA Nov 11 Nov 11 QVC`299979969003* 800-367-9444 PA Nov 1 1 Nov 11 ~VC`299979969001 ` 800.367-9444 PA Nov 12 Nov 12 ISI `HEARTLAND AMERICA 800.966-1233 MN Nov 15 Rsstauronta Dee 5 Nov 21 97 Dec 1 Dec b Medical Services Nov 21 Wmehouss Clubs Dec 1 Information For You 04683355100 Nov 15 WALMART.COM WALMART.COM AR 142011522XPBT Dec 5 PANERA BREAD #O1 155 MECHANIC5BURGPA Nov 21 HESS 38285 CAMP HILL PA Dec 1 B1S FUEL #9025 WOX HARRISBURG PA Dec b BJS FUEL #9025 WOX HARRISBURG PA Nov 21 ENDODONTICS ASSOCIATES CAMP HILL PA Dec 1 B1'S WHOLESALE HARRISBURG PA $ 100.00 20.29 20.29 25.97 73.97 232.00 14.02 9.50 50.00 S 1.00 280.00 335.75 Shop online, build rewards. Eam 5% to 20% Coshback Bonus at top online retailers such as Barnes &~ Noble.com, C>rerstock.com and Nike.com through ShopDixover lust visit Discovercard.com/shop today! New Balance Minimum Payment Dus II Account Number ending in 6432 ~ISC~VER $6,181.16 ~ $123.00 Y _~ Enter Amovnt Enclosed Below Payment Due Date $ C~ febrvary 9, 2006 Please make check payable to Discover Cord or pay online Q Dixovercard.com. 10 SOSN6AD2 0027382 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Address, email or telephone changes' Print change in space above, or go to Dixover.com. Print your s~mail address to receive important Account information and special offers. Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Iilu~llunullllnrlrlnl CHARLOTTE NC 28272-1D84 Inlrlln~nilrllrulul~lwll)Inrlrrlulnllnlu~nliln~l 000001986458320542844061811600150000012300 Discover Open Road Card Account Summary Closing Date: January 10, 2008 page 1 of 2 Account number ending in 6432 Previous Balance 54,696.}9 Payment Due Date February 9 2008 Payments And Credits 203.99 Minimum Payment Dua 5123.00 Purchases + 1,624.82 Credit Limit 59,400.00 Cash Advances + 0.00 Credit Available 53,21 B.00 Balance Transfero + 0.00 Cash Credit limit 52,700.00 finance CJsorges + 54.14 Cash Credit Available 52,700.00 New Balance = 55,181 15 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus®Since Anniversary Month August: S17.92 CONGRATULATIONS! Your Cashback Bonus{R) is waiting for you. Visit Dixovercard.com or call 1-800•DISCOVER (1-804347.2583) to get your shore of America's #1 Cash Rewards Program. Opening Cashback Bonus Balance 5 15.32 New Cashback Bonus This Period + 10.06 Cashback Bonus Balance S 25.38 How Can We Help You? 1 Visit Discever.cam to pay your bill for no cost, view our latest Account information, earn and redeem rewardi and more ItrS yOUr ChOICe - 3 ways to help 2. Call 1.8oaaSCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Dixover Card available. 3. Write us at Dixover Cord, PO Box 30943, For TDD (assistance for hearing impaired) sea reverse side Salt lake City, UT 84130 Transactions SO Fraud Liabfifty Guarantee Use your Dixover Card with confidence. Trans. Post Dab Dale Payments and Credits Dec 10 Dec 12 iSl*HEARTLAND AMERICA 804955.1233 MN $ •53.99 08412175100 Dec 21 Dac 21 PAYMENT THANK YOU 150.00 Restaurants Dec 14 Dec 14 TEXAS ROADHOUSE #2285 CAMP HILL PA 50.05 Dec 21 Dec 21 TGI FRIDAYS #1459 MECHANICSBURGPA 32.01 Gasoline Dec 10 Dec 11 HESS 38285 CAMP HILL PA 50.00 Dec 17 Dec 17 HESS 38285 CAMP HILL PA 40.00 9657097 Dec 21 Dec 21 BJS FUEL #9025 WOX HARRISBURG PA 50.00 Dec 27 Dec 27 BJS FUEL #9110 WOX CARY NC 50.00 Jan 4 Jan 4 EXXONMOBIL MECHANICSBURGPA 84.50 Jan 7 Jan 7 HESS 38285 CAMP HILL PA 40.00 Supermarkets Dec 23 Dec 23 GNC #00248 CAMP HILL PA 142.19 Msdicd Services Jan 9 Jan 9 ARMES70 EYE ASSOCIATES MECHANICSBURGPA 500.00 Home knprovement Dec 21 Dec 21 LOWE'S OF MECHANICSBURG, MECHANICSBURGPA 475.05 Wish you could sort these purchases by amount, dexription or category$ You can - regaster at Dixovercard.com to view your purchases online as far back os 12 months. Learn more at Dixovercard.com/purchases ---~ ~+ New Balance Minimum Payment Due Account Number ending in 6432 ~~$CC~VER $8,232.74 $163.00 _ ~ Enter Amount Encbsed Below Payment Due Dale $ ~-~ March 9, 2008 p~~ make check payable to Dixovar Card or pay online ~ Dixovercard.com. 10 SDSN6A02 0027363 JERRY L HOPE Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 Po BOX 71084 IIL~rIlr~rrrrlllLrrlrl~rl CHARLOTTE NC 28272-1084 Addreu, e-mail or telephone change? Print change in space ~~~~r~~~i,rli~r~~lil~rl~r~irr~~~~rr~~ir~ri~r+~~rr~rr~ir~r~rr~~ above, or go to Dixover.com. Print your a-moil address to receive important Account information and special offers. 000001986458320542844082327400150000016300 Discover Open Road Card Account Summary Closing Date: February 10, 2008 page 1 of 2 Account number ending in 6432 Previous Balance $b, l B 1 16 Payment Due Date March 9, 2008 Payments And Credits 150.00 Minimum Payment Due $163.00 Purchases + 2,117.69 Credit limit $9,400.00 Cash Advances + 0.00 Credit Available s 1,167.00 Balance Transfers + 0.00 Cash Credit Limit $2,700.00 Finance Charges + 83.89 Cash Credit Available $1 167.00 New Balanee = $8,232.74 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bpnus® Opening Cashback Bonus Balance $ 25.38 New Cashback Bonus This Period + 20.44 Cashback-Bonus® Since Anniversary Month' August: 538.36 Cashback Bonus Balance $ 45.82 CONGRATULATIONSI Your Cashback Bonus(Ri 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 Discover.cam to pay your bill for no cost, view ur latest Aceount information, earn and redeem raward~and more ~~'s your choice - 3 ways to help 2. Call 1-800-D15COVER (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 Dixover Card, PO Box 30943, For TDD (assistance For hearing impairedi see reverse side Salt Lake City, UT 84130 Transactions SO Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Dab Payments and Credits Feb 1 Feb 1 PAYMENT THANK YOU $ 150.00 Merchandise/Retail tan 26 Jan 26 QVC•340 1 902 708 0 1"1 OF 3 800.367-9444 PA 47.55 Gasoline Jan 13 Jan 13 HESS 38285 CAMP HILL PA 22.00 Automotive Jan 13 Jan 13 C $J TIRE #13 MECHANICSBURGPA 508.56 Travel/tirbrtainment Feb 5 Feb 5 CONDO WORLD NORTH MYRTLE SC 1,539.58 la~g~pt,~tion For You Congratulations) Your Account's cash credit limit has been increased to $2,700.00 DISCOVER 10 SDSN6A02 0027384 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 PO BOX 71084 ~~~rri~~sr~rrr~~~~rrr~r~rr~ CHARLOTTE NC 28272-1084 Address, e-mail or tebphone changes' Print change in space ~r~~i~~~r~rrr~~~~~rrlrr~~Irrr~~~~iir~rr~r~~r~~~rr~r~~rrErlr~ll obove, or go to Dixover.com. Print your email address to receive important Account information and special offers. 000001986458320542844081752500200000016200 Discover Open Road Card Account Summary Closing Dak: March 10, 2008 page i of 2 Account number ending in 6432 Previous Balance x8,232.74 Payment Due Date April 9. 2008 Payments And Credits 200.00 Minimum Payment Due 6162.00 Purchases + 47.55 Credit Limit 69,400.00 Cash Advances + 0.00 Credit Available 61,224.00 Balance Transfers + 0.00 Cash Credit Limit 62,700.00 Finance Cha .s + 94.96 Cash Credit Available 61,224.00 ___ _ New Balance = 68,175.25 You moy be obb to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance 6 45.82 New Cashback Bonus This Period + 0.47 Cashback Bonus® Since Anniveroary Month August 638.83 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Dixover.com or call 1-800-DISCOVER (1-800-347-2683 to redeem. Cashback Bonus Balance 46.29 How Can We Hel YOU? 1 Visit Dixover.cem to pay your bil for no cost, view our p latest Account information, eam and rodeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-8o4r~SCOVER (347-26831 For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Dixover Card available. 3. Write us at Dixover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sali Lake City, UT 84130 Transactions SO Fraud liability Guarantee Use your Dixover Card with confidence. Trans. Post Dab Dab PaymsMs and Credits Feb 29 Feb 29 PAYMENT THANK YOU $ _200.00 Merchandise/Retail Feb 27 Feb 27 QVC*340190270801 *2 CrF 3 800-367.9444 PA 47.55 Information For You * *REMINDER* * The Payment Due Date for your Account will be changing beginning with the statement you receive in May 2008. The new date will be printed ar the top of the remittance coupon. You will continue to receive at least 25 days from the last day of your previous billing period until your payment is due. 9657097 Minimum Payment Due Account Number ending in 6432 L $162.00 Enter Amount Enclosed Bebw _ Payment Due Date Aprr7 9, 21108 Please make check payable to Dixover Card or pay online Q Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your tHll in seconds from anywhere! New Balance $8,175.25 Need some help around the housed Get organized for spring with your Dixover(R) Card. Get S% ro 20% Cashback Bonus(R) at top online retailers like Linens & Thinnggs, Sears and Office Max on our exclusive online shopping site, ShopDiscover Visit Dixovercard.com/shop today) New Balance Minimum Payment Due Account Number ending in 6432 ~~SCVER $8,120.17 ~ 5161.00 __ _ Enter Amount Enclosed Below Payment Due Date ~ ~-~ May 9, 2008 Phase make check payable to Discover Card or pay online ~ Discovercord.com. 10 SDSNliA02 0027365 JERRY L HOPE Text APP io DISCOV* to receive a link to our free mobile app and pay your bill in seconds 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 Illrullrurullllurlrlul CHARLOTTE NC 28272-1084 Address, email or teksphonechangeZ Print change in space I~~lillr~lri~lillic~l~~l~li~illllii~l~~liili~lli~li~l~~lil~~ll above, or go fo Discovsr.com. Print your a-mail addross io receive important Account information and special alters. 000001986458320542844081201700200000016L00 Discover Open Road Card Account Summary Closing Date: April 10, 2008 page 1 of 2 Account number ending in 6432 Previous Balance $8,175.25 Payment Due Date May 9 2008 Payments And Credits 200.00 Minimum Payment Due $161.00 Purchases + 47.55 Credit limit $9,400.00 Cash Advances + 0.00 Credit Available $1,279.00 Balance Transfers + 0.00 Cash Credit Limit $2,700.00 Finance Charles + 97.37 Cash Credit Available $1,279.00 _ New Balance = $8,120.17 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CQSllbatlC Bonus" Opening Cashback Bonus Balance $ 46.29 New Cashback Bonus This Period + 0.47 Cashback Bonus Balance $ 46.76 Cashback Bonus® Since Anniversary Month- August: $39.30 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1.800-0ISCOVER (1-800-347-2683) to redeem. How Can We Hel You? p 1 Visit Discowr.cem to pay your 651 for no cost, view ur latest Account information, cam and redeem reward and more It's your choice - 3 ways to help 2. Call 1-800•DISCOVER {347-2683) For fasr, 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) sae reverse side Sah Lake Cify, UT 84130 Transactions SO Fraud liability Guarantee Use your Discover Card with confidence. Trans. Pas? Dale Data Payments and Crodits Mar 28 Mar 28 PAYMENT THANK YOU $ _200.00 Merchandise/RetaS Mar 31 Mar 31 QVC*340190270801 *3 OF 3 800.367-9444 PA 47.55 Information for You Look for a change to your Payment Due Date next month. Remember we offer several payment options such as electronic payments through our Account Center at Discovercard.com and payby-phone at 1.800-DISCOVER (1-800-347-2683. 9657097 looking for the perfect gift For someone special6 Save time and earn rewards -with 5% to 20% Cashback Bonus{R) at online retailers like Overstock.com, Blue Nile and Apple Store through our exclusive online shopping site, ShopDiscover Visit Discovercard.com/shop today! DISCOVER New Baloncs Minimum Paymenf Due Account Number ending in 6432 $9,326.78 ~ $184.00 ___~ Enter Amount Enclosed Balow Payment Due Date $ ~~ June 15, 200$ p~~ make check poyable to Discover Card or pay online ~ Discovercard.com. 20 SDSN6A02 0027386 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 116rrllnrnlrlllnrlrrlrl CHARLOTTE NC 28272-1084 Address, email or telephone changeB Print change in space Irr~r~~rr~rrr~~~~rrr~rr~~`irr~~~lrir~ir~rr~rr~~rr~ri~rr~i~rr~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. DD^0^19864583205428440932678^^20^00001840^ Discover Open Road Card Account Summary Closing Date: May 20, 2008 page 1 of 2 Account number ending in 6432 Previous Balance $8,120.17 Payment Due Date June 15, 2008 Payments And Credits 240.00 Minimum Payment Due $184.00 Purchases + 1,302.90 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Available 573.00 Balance Tronsfers + 0.00 Cosh Credit limit 52,700.00 Finance Char e~ + 143.71 Cash Credit Available $73.00 __ __ New Balance $9,326.78 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 46.76 New Cashback Bonus This Period + 16.29 Redeemed This Period 40.00 Cashback Bonus®Since Anniversary Month Cashback Bonus Balance $ 23.05 August: $55.59 CONGRATULATIONS! Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1-804DISCOVER (1-804347-2683 to redeem. How Can We Hel You? 1 Visit Discwar.cem to pay your bi 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-Soo-DISCOVER (347-2683) for fast, eosy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions 50 Fraud Liability Guarantee use your Discover Card with confidence. Trans. Post Date Dale Payments and Crodifs Apr 25 Apr 25 PAYMENT THANK YOU $ -200.00 Award and Rsbate Credits May 4 May 4 REWARD REDEMPTION CREDIT -40.00 Merchandise/Rstai Apr 11 Apr 11 PETCO 1891 63518914 MECHANICSBURGPA 197.87 Apr 16 Apr 16 PETSMART 00005835 MECHANICSBURGPA 98.81 Apr 16 Apr 16 IRVINGSROES-071400071 CAMP HILL PA 1 19.00 Apr 18 Apr 18 PLUM BOTTOM HARRISBURG PA 749.53 Rsslaurants Apr 9 Apr 11 SSP AMERICA BALTIMCNtE MD 19.99 7 ~ May 8 May S C & J TIRE #13 MECHANICSBURGPA Bl .70 3srviCes Apr 13 Apr 13 PA DRIVER/VEHICLE SERV HARRISBURG PA 36.00 Information For You * * ATTENTION * * Please note that your Payment Due Dafe has changed. Please pay the Minimum Payment Due by this date to avoid a late Fee. DISCOVER New Balance Minimum Payment Account Number ending in 6432 S9,634.43 5195.00 _ _ ! Enter Amount Enclosed Below Payment Due Date $ r~ July 15, 2008 Please make check payable fo Dixover Card. You aro overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $234.43. 20 SDSN6A02 0027387 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Address, e-mail a tskphone changeE Print thongs in space above, or go to Dixover.com. Print your s•mail addross to receive important Account information and special offers. TextAPP to DISCOV* to receive a link to our free mobile app and pay your bdl in seconds from anywherei PO BOX 71084 Illrrrll~rrrrlrlilrrrir~lrl CHARLOTTE NC 28272-1084 Irrlrllrrlrrrlrllrrrlrrlrlrrrllllrrrlrrlrrlrrllrrlrrlrrlrlrrll DDDDD198645832D542844D9634430D2DDD000195DD Discover Open Rood Card Account Summary Account number ending in 6432 Payment Due Date July 15, 2008 Minimum Payment Due 5195.00 Credit limit $9,400.00 Credit Available x0.00 Cash Credit Lima ,;2,700.00 Cash Credit Available $0.00 Closing Date: June 20, 2008 page 1 of 2 Previous Balance $9,326.78 Payments And Credih 400.00 Purchases + 593.52 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 1 14.13 New Balance _ __ _ $9,634.43 You may be able fo avoid Periodic Finance Charges, see the reverse side for details. Cashback t3ottus® Opening Cashback Bonus Balance $ 23.05 New Cashback Bonus This Period + 5.54 'Cashback Bonus® Since Anniversary Morrth August: $61 13 CONGRATUTATiONS! Your Cashback Bonus(R) is waiting for you. Visit Dixover.com or call 1-900•DISCOVER (1-800-347-2683) to redeem. Cashback Bonus Balance 28.59 How Can We Hel You? 1 Visit Discever.cem to pay yaw bRl for no tort, 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 selhservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Dixover Card, PO Box 30943, For TDD jassistance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Dixover Card with confidence. ~s. P ~ Da N Payments and Credits May 23 May 23 PAYMENT THANK YOU $ -200.00 Jun 6 Jun 6 PAYMENT THANK YOU -200,00 Merchandise/Rstoi Jun 5 Jun 5 KATHIE'S CHRISTMAS & COL CAMP Hllt PA 92.75 Jun 5 -Jun 5 ULTA #246 MECHANICSBURGPA 241.35 tun 14 Jun 14 LEI*IANDS END ClOTH1NG 804332.4700 WI 220.42 P15FDAFF Other/MisceNaneous Jun 20 Jun 20 OVERUMI7 FEE 39.00 Is~tnolef~Fion For You Don't just make payments. Make progress.lSM) The new online Discover(R) Paydown Planner can help you make a plan to pay down your babnce. Just type in your gaol date and it shows what your monthly payment should be. Or enter the monthly payment you want fo make and see how long it should take fo reach your goal. Get started now of Discover.com Congratulations to the 2008 Dixover(R) Scholarship Program winners: Destiny Beal, Laura D'Asaro, Caitlyn Darnell, 5ejal Hathi, 7reyJones, Rebecca Robison, Rhonda Samples, Marilyn Sanchez, Sarah Wooten and Ge Zhang. Each won $30,000 for post high-xhool education or training. Visit www.DiscoverFinancial.com/community fo learn more. DISCOVER 20 SDSN8AD2 0027388 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail addross to receive important Account information and special offers. DOODD1986458320542844093136200200000018400 Discover Open Road Card Account Summary Closing Date; July 20, 2008 page 1 of 1 Account number ending in 6432 Previous Balance $9,634.43 Payment Due Date August 15, 2008 Payments And Credits 434.00 Minimum Payment Due $184.00 Purchases + 0.00 Credit limit $9,400.00 Cash Advances + 0.00 Credit Available $86.00 Balance Transfers + 0.00 Cash Credit limit $2,700.00 F irance Charges + 113.19 Cash Credit Available $86.00 _ New Balance _ __ = $9,313.62 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CCShbOtIC B011USe Opening Cashback Bonus Balance $ 28.59 New Cashback Bonus This Period + 0.00 Cashback Bonus B~ance $ 28.59 Cashback Bonus®Since Anniversary Month August: $61 13 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800•DISCOVER (1.800.347.2683) to redeem. How Can We Help You? 1 Visit Discevsr.cem ro pay your 651 ter no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 wa s to hel 2. Call 1-Boa-DISCOVER (347.2683) for fast, easy self-service p y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943 for TDD (assistance for hearing impaired) see reverse side , Salt Lake City, UT 84130 Transactions $0 Froud lfabflity Guarantee Use your Discover Card with confidence. Trans. Post Dale Dais Payments and Crodits Jun 27 tun 27 INTERNE T PAYMENT THANK YOU $ -234.00 Jul 3 Jul 3 PAYMENT THANK YOU -200.00 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE HNANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES _ current billing period: 30 days Purchases $9300.51 0.04038% 14.74% V 14.749'0 $112.67 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $81.66 0.021649'0 7.9090 F 7.90% $0.52 $0 The rates that apply to your Account are either fixed tFj or they may vary (vj as noted above. New Balance (Minimum Payment Du~ 59,313.62 ~ 5184.00 Payment Due Date August 15, 2008 Account Number ending in 6432 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Q Discovercard.com. Text APP to DISCOV' fo receive a link to our Tree mobile app and pay your bill in seconds from anywhere! PO Box 71084 IIIr~rllrrr~rlrlllrrJ~rLl CHARLOTTE NC 28272-1084 Inlr~lulurl~llnr~u~r~nr~~~~nr~nlnlullnlnlnlrln~l Wish you could sort these purchases by amount, description or category8 You can - register at Discovercard.com to view your purchases online as far back as 12 months. Learn more at Discovercard.com/purchases New Balance Minimum Payment Due Account Number ending in 6432 DISCOVER s9,ooo.av 5178.00_ Enter Amount Enclosed Bebw Payment Due Dote $ ~- Sepiember 15, 2008 Please make check payobb ro Discover Card or pay online ! Dismvermrd.com. 20 SDSN6A02 0027389 JERRY L HOPE Text APP to DISCOV' to receive a fink to our free mobile app and pay your biN in seconds 15 WEST GIR from anywhere! CAMP HILL PA 17011-1343 Po sox 71oa4 Ilir~rllr~rrrirllirr~lrrlri CHARLOTTE NC 28272-1084 Address, e-mail or tebphone charge8 Print change in space lulrllrrlnrlrllrnlir~rlnrllllrn~ulnlnllrrlnlnli~ull above, or go to Discover.com. Print your o-moil address ro receive important Account information and special offers. 0000019864583205428440900D89002000000178D^ Discover Open Rood Card Account Summary Closing Dbta: August 20, 2008 pogo 1 of 1 Account number ending in 6432 Previous Balance $9,313.82 Payment Due Date September 15, 2008 Payments And Credits 426.96 Minimum Payment Due $178.00 Purchases + 0.00 Credit limit $9,400.00 Cash Advances + 0.00 Credit Avoibbk $399.00 Balance Transfers + 0.00 Cash Credit limit $2,700.00 Finance Charges + 1 14.23 Cash Credit Available $399.00 New Balance _ = $9,000.89 You maybe abk to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 28.59 New Cashback Bonus This Period + -2.26 Cashback Bonus Bdance S 26.33 Cashback-Bonus® Since Anniversary Monttr August: $58.87 CONGRATUlAT10NSl Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1.800-DISCOVER (1.800-347-2683) io redeem. How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. for TDD (assistance For hearing impaired) see reverse side 1 Visit Diaover.cam to pay your bil For no cost, view our btest Account information, earn and redeem rewards and more 2. CaH 1-804DISCOVER (347-2683) For Fast, easy self-service options or ro speak with a Customer Service Account Manager 3. Write us at Discover Cord, PO Box 30943, Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dole Payments and Credits 1ul 23 Jul 24 lFl*LANDS END CLOTHING 8 00. 3 3 2-4 700 WI 4248878 Aug 15 Aug 15 PAYMENT THANK YOU $ -226.96 -200.00 ~~pg¢ Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Balances Rotes RATES _ RATES CHARGES C GES current billing period: 31 days Purchases $9124.96 0.04038% 14.74% V 14.74% $114.23 $0 Cosh Advances $0 0.062999'0 22.9930 F 22.99% $0 $0 Balance Transfers $0.42 0.02164% 7.90% F 7.90% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. DISCOVER New Balance Minimum Payment Du~ Account Number ending in 6432 $8,913.54 $177.00 _ Enter Amount Enclosed Below Payment Due Date $ r~ Cktobsr 15, 4006 Please make check payable to Dixover Card or pay online Q Dixovercard.com. 20 SDSN6A02 0027390 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Illnrllnnrlrlllurlnlsl CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space Irrlillir~rrr~illirrlrrli~rir{Illrrilr~lrilri~~rilrrlri~rlrrl~ above, or go to Dixover.com. Print your email address to receive important Account information and special offers. OOODD198645832054284408913520020000D01770^ Discover Open Road Card Account Summary Closing Date: September 20, 2008 page 1 of 2 Account number ending in 6432 Previous Balance $9,000.89 Payment Due Date Cktobar 15, 2008 Payments And Credits 200.00 Minimum Payment Due $177.00 Purchases + 0.00 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Available $486.00 Balance Transfers + 0.00 Cash Credit Limit $2,700.00 Finance Charges _ _ + 1 12.63 Cash Credit Available $486.00 New Balance = $8,913.52 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCSIfbOCIC BOttUS® Opening Cashback Bonus Balance $ 26.33 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 26.33 Cashback 8onus® Anniversary Month: August How Can We Hel You? P 1 Visit Discowrcam to pay your bbl for no cost view your l t t A f d d It's your choice - 3 ways to help a es ccount in ormation, earn an re eem rowords and more 2. Call 1-Boo-DISCOVER (347-2683) for fast easy self-service Please have your Dixover 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 Dixover Card, PO Box 30943, Sah lake City, UT 84130 Transactions SO Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Dots Payments and Crodits Sep 12 Sep 12 PAYMENT THANK YCd1 $ _400,00 i Finance Charge Summary Balance Transfer offer for current billing period: Daily Period ic Rate: 0.016413'0; corresponding ANNUAL PERCENTAGE ~~ Rate is subject to the terms of the offer includ ing expiration. Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES _ RATES CHARGES CHARGES current billing period: 31 days Purchoses $8997.45 0.04038% 14.74% V 14.74% $112.63 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Balance Transfers $0 0.02164% 7.90% F 7.90% $0 $0 The rates that apply fo your Account are either fixed (Fl or they moy vary M as noted above. Ready for footboN season? Get everything you neod for the big game and earn 5So b 20% Cashback Bonus(R) when you shop online at over 100 top retailers like Circuit City, Sports Authority and Omaha Steaks through ShopDixover Visit ShopDiscover at Discover.com/shop today! D{SC~VER New Balance Minimum Payment Due Account Number ending in 6432 $8,897.29 5176,00 Enter Amount Encbsed Below Payment Due Date ~ ~~ November 15, 2008 p~Se make check payable fo Discover Card or pay online ~ Oixovercord.com. 20 SDSN6A02 0027391 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Address, e-mail or tekphona change? Print change in space above, or go to Discover.com. Print your small address to receive important Account information and special offers. Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anywhere! PD BOX 71084 III111~11111111111111111111 CHARL1OTTE NC 28272-1084 III II II III IIIIIIII IIIIIIIIIIIIII III II IIIII IIIIIIIIIIIIIIIIIIII 000001986458320542844088972900200000017600 Discover Open Road Card Account Summary Closing Date: October 20, 2008 page 1 of 2 Account number ending in 6432 Payment Due Date Minimum Payment Due Credit limit Credit Available Cash Credit Limit Cash Credit Available November 15, 2008 S 176.00 59,400.00 5502.00 52,700.00 5502.00 Previous Balance $8,913.52 Payments And Credits 200.00 Purchases + 75.68 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Chargsa + 108.09 New Balance 58,897.29 You may be ebb to avoid Periodic Finance Charges, see the reverse side for details. ~ashback Bonuse Opening Coshback Bonus Balance S 26.33 New Cashback Bonus This Period + 2.32 Cashback Bonus Bdance S 28.65 Cashback Bonus® Anniversary Month: August CONGRATULATIONSi Your Cashback Bonus(R) is waiting for you. Visit Dixover.com or call 1-800-DISCOVER (1-804347-2683) to redeem. How Can We Hel YOU? 1 Visit Diacovrr.com to pay your bill for no cost view our P krtest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-804DISCOVER (347-2683) for fast, easy self-service options or to speak with o Customer Service Account Manager Please have your Dixover Card available. 3, Write us at Dixover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Dixaver Card with confidence Trans. Post Date Dah Paymenta and Credits Oct 10 Oct 10 PAYMENT THANK YOU $ _200.p0 Merchandise/Reta1T Oct 7 Oct 7 STRAP PERFECT 215-361.5122 PA 30.68 Gasoline Clct 11 pct 11 RUTTER'S FARM #25 YORK PA 45,00 Information For You Balance Transfer offlar(s) for cuneM baling psriiod: Daily Periodic Rafe: 0.016419'0; corresponding ANNUAL PERCENTAGE RATE: 5.99%. 9657097 Throughout November and December, just use your Dixover(R) Card at grocery stores and get Double Cashback Bonus on up to 51,000 in purchases. It's another way Discover Card puts more money back in your p«ket for everyday purchases. Sign up today at Discover.com/double or call 1-B00.Discover (1-800.347.2683). Need Cash3 Whether it`s for an unexpected bill, on emergency car repair or your kids' xhool activities, Discover(R) Card can always help. Get cash of ATMs nationwide or have money deposited direcNy into your bank account. Visit Discover.com/cash to Find out mare. r----~------- New Balance ~ Minimum Payment Due Account Number ending in 6432 ~~SC~VER` 59,104.07 ~ $180.00_ EnMr Amount Encbsed Below Payment Due Date $ ~_-~ December 15, 2008 pose make check payable fo Discover Card or pay online ~ Discovercard.com. 2D SDSN6A02 0027392 JERRY L HOPE TextAPP to DISCOV• to receive a linkto our tree mobile app and pay your bill in seconds 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 Ill~rrllrrrsslrll~~rslrrlrl CHARLOTTE NC 28272-1084 Address, email or telephone change6 Print change in space Irrlrllri~rrrlillrrilrrlilrrrllllirrlrrlr~lrrllrrliilrililiill above, or go to Discover.eom. Print your email address to receive important Account inFormafion and special offers. 000001986458320542844091040700176000018000 Discover Open Road Card Account Summary Closing Date: November 20, 2008 page 1 of 2 Account number ending in 6432 Previous Balance $8,897.29 Payment Due Date December 15, 2008 Payments And Credits 196.00 Minimum Payment Due 6180.00 Purchases + 297.84 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Availoble 6295.00 Balance Transfers + 0.00 Cash Credit limit $2,700.00 Finance Chorges + 104.94 Cash Credit Available $295.00 New Balance ____ = $9 104.07 You maybe oble to avoid Periodic Finance Charges, see the reverse side for details. Cashbook Bonus• Opening Cashbxk Bonus Balance $ 28.65 New Cashback Bonus This Period + 0.74 Redeemed This Period 20.00 Cashback Bonus® Anniversary Cashback 8ottus Bdance $ 9.39 Month: August Keep using your DiscoverlRl Card and watch our Cashbook Bo lR) l y nus grow How Can We Hel You? p 1 Visit Discavercam to pay your bNl for no cost, view our latest Account information, earn and redeem rewardi and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-26831 for lost ~sy self service Please have your Discover Card available. , options or fo speak with a Customer Service Account Manager For TDD lassistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. n s. P Dro i ~ at Payments and Credits Nov 7 Nov 7 PAYMENT THANK YOU $ 176,00 Aword and Rebab Credits Nov 7 Nov 7 REWARD REDEMPTION CREDIT _20.00 Merchandise/Retail Nov 7 Nov 7 TGT*TARGET.COM TARGET.COM MN 297.84 81473390671733 Information For You Balance Trorrsfer atferls) for cun.nt billing p.riodt Daily Periodic Rate: 0.01641 %; corresponding ANNUAL PERCENTAGE RATE: 5.99% 9657097 r-- - ,,.,~ New Balanee Minimum Payment Due Account Number ending in 6432 D'SC~'VER• 59,107.46 5181.00 Enter Amount Encbsed Below Payment Due Date January 15, 2009 p~~ make check payable to Discover Card or pay online ~ Discovercard.com. 20 SDSN6A02 0027393 JERRY L HDPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 flln~ll~rn~lelllrul~rlrl CHARLOTTE NC 28272-1084 Address, o-mail or telephone change2 Print change in space ~~~'~Il~~l~r~~~ll~~~l~~l~l~~~llll~~~l~~l~~I~~II~~~~~~„I~~~~~I above, or go fo Dixover.com. Print your o-mail address to receive important Account information and special offers. 00000198645832054284409107460D200000018100 Discover Open Road Card Account Summary Cbsing Dale: December 20, 2008 page 1 of 2 Account number ending in 6432 Provious Balance $9.104.07 Payment Due Date January 15, 2009 Payments And Credits 200.00 Minimum Payment Due $181.00 Purchases + 100.84 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Available $292.00 Balance Transfers + 0.00 Cash Credit Limit $2,700.00 Finanes Chagss + 102.55 Cash Credit Availabb $292.00 _ New Balance _ _ = $9 107.46 You may be able to avoid Periodic Finance Charges, see the reverse side For details. CQShbatlC BonUSe Opening Cashback Bonus Balance $ 9.39 New Cashback Bonus This Period + 0.25 Cashback Bonus® Anniversary Month: August Cashbadc Bonus Balance 9.64 Keep usingg your Discover{R) Card and watch your Coshback Bonus(R) grow! How Can We Het You? 1 Visit Discewrcem to pay your btu For no cost, view r p latest Account information, eam 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 Dixover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence T s. P ~ ~ Payments and Credits Dec 5 Dec 5 PAYMENT THANK YOU $ -200.00 Merchandise/Retail Nov 29 Nov 29 ACAIPURE 888b92-8352 AZ 4.95 Dec 12 Dec 12 ROPERS/STEPHENSN FLWR 717273 2683 PA 31.25 Dec 12 Dec 12 ROPERS/STEPHENSN FLWR 717 273 2683 PA g7,bq Services Dec 9 Dec 9 PRIMETIME8664696924 CIEARWATER fL 16.95 Information For You Balance iransfisr offiris) for eur»nt bRlinB period: ~~~~ripsf~Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.99%. Daily P//erQOi JBodic Rate: 0.01641%; corresponding ANNUAL PERCENTAGE RATE: 5.99% Need CashB Whether it's For an unexpected bill, an emergency car repair or your kids' school activities, Dixover{R) Card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cosh to find out more. New Balance Minimum Payment Due Account Number ending in 6432 DISCOVER 59,1164.29180.00 _ ErderAmountEnclosedBelow Payment Due Date $ ~-~ February 15, 2009 Please make check payable to Dixover Card or pay online ~ Discovercard.com. 20 SDSN6A02 0027394 JERRY L HOPE TextAPP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds 15 WEST CIR fromanywherel CAMP HILL PA 17011-1343 PO BOX 71084 ))~rn~~nu.~r~~~nr~n)r~ CHARLOTTE NC 28272-1084 Address, email or telephonechonge€Printchangeinspace +~~'~'Irr~r~r)rl)~rrl'r)~I~rr)il)~r~I~~IIr'r~)Ir~)rrl'r)~)„(' above, or go to Dixover.com. Print your email address to receive important Account information and special offers. OOOOD198645832D54284409D642900200000018000 Discover Open Road Card Account Summary Cbsing Dale: January 20, 2009 page 1 of 2 Account number ending in 6432 Previous Balance $9 107.46 Payment Due Date February 15, 2009 Payments And Credih 200.00 Minimum Payment Due $180.00 Purchases + 56.90 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Available $335.00 Balance Transfers + 0.00 Cash Credit Limit 52,700.00 Finance Charges + 99,93 Cosh Credit Available 5335.00 ____ New Balance ___ S9,Oib4.29 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. CcShbaclC BonUS® Opening Cashback Bonus Balance $ 9.64 New Cashback Bonus This Period + 0.14 Cashback Bonus Balance $ q,78 Cashback 8anus®Anniversary Month: August Keep usingg your Dixover(R) Card and watch our Cashb k B R l y ac onus( ) grow How Can We Hel You? P ' visit D'xewr.eom to pay year bil for ne test, view our latest Account information, eam and redeem rewards and more ~#'S your choice - 3 ways b help 2. Coll 1-800-0ISCOVER (347-2683) for fast easy self-service Please have your Dixover 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 Dixover Card, PO Box 30943, Sak Lake City, UT 84130 Transactions $0 Fraud Liabllfly Gttarantea Use your Dixover Card with confidence. Dm n s~ P aM e Dab Payments and Crodits Jan 2 Jan 2 PAYMENT THANK YOU $ -200 00 Merchandise/Reror7 Jan 7 Jan 7 ACAIPURE 888-692-8352 AZ 39.95 Services Jan 9 Jan 9 PRIMETIME8664696924 CLEARWATER FL 16.95 Information For You Balance Transfer offer(:) for eument 6~71irg period: Daily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.99q Rate: 0,01641 %; corresponding ANNUAL PERCENTAGE RATE: 5.99%. DISCOVER New Balance Minimum Payment Due Account Number ending in 6432 58,947.22 $177.00 _ _ _~ Enter Amount Enclosed Below Payment Due Date March 17, 2009 ply make check payable ro Discover Card or pay online Q piscovercard.com. 20 SDSN6A02 0027395 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Illusllnnrlrlllurlrrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Prirdchange in a I~~lil~iil~~~l~llurl~i~il~~~llll~~~l~~l~~~~~ll~~l~~li~l~lrill above, or go ro Discover.com. Print your e-mail address~ro receive important Account information and special offers. 00000198645832054284408947220D200D00017700 Discover Open Road Card Account Summary Closing Date: February 20, 2009 page 1 of 1 Account number ending in 6432 Previous Balance $9,064.29 Payment Due Date March 17, 2009 Payments And Credits 216.95 Minimum Payment Due $177.00 Purchases + 0.00 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Available $452.00 Balance Transfers + 0.00 Cash Credit Limit $2,700.00 Finance Ch rimes + 99.88 Cash Credit Available $452.00 _ New Balance $8,947.22 You may bs able ro avoid Periodic Finance Charges, see the reverse side For details. Cashb«k Bonus® Opening Cashback Bonus Balance $ q.7$ New Cashback Bonus This Period + -0.04 Cashback Bonus Balance S 9.74 Cashback Bonus® Anniversary Month: August Keep usingg your Oiscover(R) Card and watch our Cashback B (R) ! y onus grow How Can We Hei You? p 1 Visit Ducar.ream ro pay your brl kr no cost, view your latest Account information, earn and redeem rewarcJs and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast eas self-service Please have your Discover Card available. , y options or ro speak with a Customer Service Account Manager for TDD (assistance for hearing impaired) see roverse side 3. Write us at Discover Cord, PO Box 30943, Sale Lake City, UT 84130 Transactions $0 Fraud u4bility Guarantee Use your Discover Card with confidence. s. P * ~ Payments and Credits Feb 4 Feb b PRIMETIME8664696924 CLEARWATER FL $ 16.93 Feb 13 Feb 13 PAYMENT THANK YOU -200 00 Information For You Balance Transfer ofksr(a) For cumsnt baling period: Daily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.99`Y< Daily Periodic Rate: 0.01641%; corresponding ANNUAL PERCENTAGE RATE: 5.99%. ~ nee Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $9052.95 0.03559% 12.99% V 12.99% $99.88 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply ro your Account are either fixed (F) or they may vary (V) as noted above. namm~g a Spnng Break trip? Whether it's near or far, book online and save -with 5% ro 20% Cashback Bonus(R) at over 100 top online retailers like Camival(R) Cruises, MyHofelStay.com, and Thrifty car rental! Just (ink through ShopDiscover(SM) of Discover.com/shop DISCOVER New Balance ' Minimum Paymer~it DveDve Account Number ending in 6432 $8,358.15 ` $166.00 ~ Enter Amount Encbsed Bebw Payment Due Date AprA 15, 2009 Please make check payable ro Discover Card or pay online @ Dixovercard.com. 20 SDSN6A02 0027396 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV' to receive a fink to our free mobile app and pay your bill in seconds from anywhere) PO BOX 71084 ~~~"'~~""'~'~~~"'~"~'~ CHARLOTTE NC 28272-1084 Address, e-mail ortebphone change2 PriMchange in space (rr~r~~rr~rrr)r~~rrr(rr~r~rrr~f)~rrr(rr)rr)rr~~rr~rr~rrfr~rr~~ above, or go to Dixover.com. Print your e-mail address ro receive important Account informdion and special offers. 00000198645832D542844083581500200000016600 Discover Open Road Card Account Summary Closing Date: March 20, 2009 page 1 of 3 Account number ending in 6432 Payment Due Date April 15, 2009 Minimum Payment Due 5166.00 Credit Limit $9,400.00 Credit Available 51,041.00 Cash Credit Limit $2,700.00 Cash Credit Available $1,041.00 Previous Balance $8,947.22 Payments Arai Credits 700.00 Purchases + 22.53 Cash Advances + 0.00 Balance TransFers + 0.00 Finance C]rarges + 88.40 _ New Balance ~ = 38,358.1 S You may be able ro avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus° Opening Cashbook Bonus Balance $ 9.74 New Cashbook Bonus This Period + 0.05 Cashbook Bonus® Anniversary Month: August Cashbook Bonus Balance $ 9.79 How Con We Help You? 1 Visit Discever.cem ro pay your bi for no cost, view your Nest Account information, earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call 1-BOaaSCOVER (347-2683) for lost, easy eel'; service options or to speak with a Customer Service Account Manager Please have your Discover Card avoiiabls. 3. Write us d Dixover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Loke City, UT 84130 Transactions $0 Fraud liabilfiy Guarantee Use your Dixover Card with confidence. ~s. P ~ Da te Payments and Cred'ds Mar 13 Mar 13 PAYMENT THANK YOU $ -200.00 Mar 17 Mar 17 INTERNET PAYMENT THANK YOU -500.00 Services Mar 10 Mar 10 THE UPS STORE i'i0698 MECHANICSBURGPA 22.53 Information For You * *ATTENTION** The day of the month Ihd your payment is due will be changing. Your new Payment Due Date will be printed at the top of the remittance coupon on the statement you receive for your billing period that ends after Moy 1, 2009. Your Payment Due Dafe will continua to be d least 25 days from the Closing Date shown on the billing statement. Balance Transfer offer(:( for current burg psrad: Daily Periodic Rata: 0.010935'0; corresponding ANNUAL PERCENTAGE RATE: 3.99%. 9657097 Daily Periodic Rate: 0.01641%; corresponding ANNUAL PERCENTAGE RATE: 5.94°/. Sign up now For DOUBLE Cashbook Bonus d home improvement stores. Earn DOUBLE Cashbook Bonus during April and Moy, 2009 on up to 5500 in home improvement purchases. Free. Easy. Sign up now. Go to Dixovsr.com/double or tall 1-800-DISCOVER (1.800-347-2683). r----- New Balance ~ Minimum Payment Due Account Number ending in 6432 ~~$C~VER $7,948.89 ! S158.00 _ __ Enter Amount Enclosed Below Payment Due Date $ May 15, 2009 Please make check payabhs to Discover Card or pay online ~ Dixovercard.com. 20 SDSN6A02 0027397 JERRY L HOPE 15 WEST CIR CAMP HILt PA 17011-1343 Address, e-mail or telephone change$ Print change in space above, or go ro Dixover.com. Print your e-mail addross to receive important Account information and special offers. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO SOX 71084 ~~~~rr~~irrrr~r~~~rrr~rr~r) CHARLOTTE HC 28272-1084 ~n(r~~n(ur(r(~ur~n~r(ru((((ur~n~u(u((n(ii~u~i(n~( DDD00198645832D5428440794889005000000158D0 Discover Open Road Card Account Summary Closing Date: Apti120, 2009 page 1 of 1 Account number ending in 6432 Previous Balance $8,358.15 Payment Due Date Moy 15, 2009 Payments And Credits 500,00 Minimum Payment Due $156.00 Purchases + 0.00 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Available $1,451.00 Balonce Transfers + 0.00 Cash Credit Limit 52,700.00 Finarrce tlwrges + 90.74 Cash Credit Available $1,451.00 _ New Balance $7,948.89 You may be abk to avoid Periodic Finance Charges, see the reverse side for details. CCSII6QCIC BOttuSe Opening Cashback Bonus Balance $ 9,79 New Cashbook Bonus This Period + Q,Qp Cashback Bonus Balance S 9.79 Cashback Bonus®Anniversary Monfh: August Keep using your Dixover(R) Card and watch your Cashbook Bonus(R) growl How Can We Hel You? P 1 Visit Discowr.cero ro pay your bil for ne 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 Dixover Card available. options or to speak with a Customer Service Account Manager for TDD (assistance For hearing impaired) see reverse side 3. Write us of Dixover Card, PO Box 30943, Salt Lake Cily, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence. TDa~ts~ PDa4 Payments and Credits Apr 10 Apr 10 PAYMENT THANK YOU ~ _500,00 Information For You Get the new debit card For teens with parental eontrds. With Curcent(SM) by Dixover(R) Card, you can set spending limits track card usage and restrict where they shop. Introduce your teen to smart spending habits today) Use Promo Code TM409 by 7/31 /09 to get the first month FREE ($5 value) at CurrentbyDixover.com. See Web site for details. Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Tronsoction Fee Daily B l Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a ances Rates RATES _ RATES AGES CHARGES curcent billing period: 31 days Purchases $8225.19 0.03559% 12.99% V 12.99% $90.74 $0 Cash Advances $0 0.06299% 22.99% F 22.999'0 $0 $0 The rates that apply ro your Account are either fixed (F) or they may vary (V) as noted above Looking for the perfect gik for Mother's Day$ Save time and earn extra rewards with 5% to 20% Cashback Bonus(R) at over 100 online retailers (ike Best Buy.com, FTD.com and Sephora Through our exclusive online shopping site, ShopDiscover(SM). Visit Discover.com/shop today! New Balance ~ Minimum Payment Due Account Number ending in 6432 DISCOVER $7,981.74 ' $158.00 Enter Amount Enclosed Below Payment Due Date June 1 S, 2009 pya~ make check payabb to Discover Cord or pay online ~ Discovercard.com. 20 SDSP16A02 0027398 JERRY L HOPE T~ctAPP to DISCOV• to receive a linkto our 15 WEST CIR free mobile app and pay your bill in seconds from anywtterel CAMP HILL PA 17011-1343 PO BOX 71084 IIL~~ILrrr~IrIIL~~IrrIJ CHARLOTTE NC 28272-1084 Address,a-mail or telephonechangeBPrir~changsinspace (nl~llnlrul~lln~lnl~ln~llllnilnlnlnllnl~~lnl~lull above, or go to Discover.com. Print your a-mail address to receive important Account infonnafion and special offers. 0000019864583205428440798174002000D0015800 Discover Open Road Card Account Summary Closing Data; May 20, 2009 page 1 of 2 Account number ending in 6432 Previous Balance $7,948.89 Payment Due Date June 15, 2009 Paymenh And Credih 200,00 Minimum Payment Due $158.00 Purchases + 147 47 Credit Limit $9,400.00 Cash Advances . + 0 00 Credit Available $1,418.00 Balance Tronsfers . + 0.00 Cash Credit Limit $2,700.00 Finance Charges + 85.38 Cash Credit Available $1,418.00 New Balance $7.981.74 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CClSltbatlf DUIIttS® Opening Cashback Bonus Balance $ 9.79 New Cashback Bonus This Period + 2.33 CoshbadcBonusBalance $ 12,~y Cashback Bonus® Since-Anniversary Month August: 55.79 Keep usingy your Discover(R) Card and watch your Cashback Bonus(RJ growl How Can We He! YOU? 1 Visit Discaver.cam to pay your 68 for no cost, view your P latest Accourrt information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For (ast, easy self-service Please have your Discover Card availabb. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us of Discover Card, PO Box 30943, Sak Lake City, UT 84130 Transactions $0 Fraud Lfabifrty Guarantee Use your Discover Card with confidence. Trans. Poet Date Date Payments and Credits May 15 May 15 PAYMENT THANK YOU $ -200 00 Gasol~s May 17 May 17 HESS 38285 CAMP HILL PA 41 31 ftoms Improvemont May 13 May 13 IOWE'S OF MECHANICSBURG, MECHANICSBURGPA 72.58 Dsparhrrsnt Store May 1 May 1 SEARS ROEBUCK 2624 CAMP HILL PA 33.38 Information For You *ATTENTION* * Your March 2009 billing statement contained a message that your Payment Due Date would be charging. This notice was provided to you in error. Please continue to refer to the date printed at the top of your remittance ~~r~~our Payment Due Dafe. New Bolonce ~ Minimum Payment Dus Account Number ending in 6432 DISCOVER 58,231.85 5162.00 Enter Amount Enclosed Bebw Payment Due Date $ ~- July 18, 2009 p~~ make check payable to Discover Card or pay online ~ Discovarcard.com. 23 SDSN6A02 0027399 JERRY L HOPE TextAPP to DISCOV' to receive a link to our free mobile app and pay your t>iN in seconds 15 WEST CIR from artyuvftere! CAMP HILL PA 17011-1343 PO BOX 71084 IILrrlLrrrrLlullrr6L CHARLOTTE NC 28272-1084 Addreu, e-mail or telephone change8 Print change in space Inlrllnlurlrllnr~nlrlurllllnrlnlnlnllnlnlulrlull above, or go to Dixover.com. Print your a-mail address to receive important Account information and special offers. 0000019864583205428440823185D017500DD162D0 Discover Open Road Card Account Summary Cbsing Dais: June 23, 2009 page 1 of t Account number ending in 6432 Previous Bobnce $7,481.74 Payment Due Date July 18, 2009 Payments And Cedits 175.00 Minimum Payment Due $162.00 Purchases + 292.58 Credit limit $9,400.00 Cash Advances + 0.00 Credit Available $1,168.00 Balance Transfers + 0.00 Cash Credit Limit $2,700.00 Finarxs Chargsa + 132.53 Cash Credit Available $ 1168.00 New Balance ~~ __ _ $8,231.85 You may be able b avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 12.12 New Cashback Bonus This Period + 0.73 Cashbook Bonus Bdance $ 12.85 Cashback Banus®Since AnniversaryMonth August: $6.52 Keep usingg your Dixover(R) Card and watch h k your Cas boo Bonus(R) growl How Can We Help You? 1 visit Discever.eom to pay year bil for ne cast, view your 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 self-service Please have your Dixover Card available. options or to speak with a Customer Service Account Manager 3. Write us of Dixover Card, PO Box 30443, For TDD (assistance for hearing impaired) see reverse side SaM Laks City, UT 84130 Transactions S0 Fraud liability Guarantee Use your Dixover Card with confidence. Trans. Posf Dale DaM Payments and Credits Jun 12 tun 12 PAYMENT THANK YOU $ 175.00 Services Jun 8 tun 8 ONSTAR SUBSCRIPTION 888-40NSTAR MI 18.95 100000101503983 Hone knprovement May 21 May 21 THE HOME DEPOT 4120 MECHANICSBURGPA 240.35 Jun 4 Jua 4 LOWE'S OF MECHANlCSBURG, MECHANlC5BU8GPA 33,28 - ~~~~ Charge Summary Nomind Transodion Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic P9tCENTAGE PERCENTAGE FINANCE FRJANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 34 days Purchases $8253.18 0.04723% 17.24% Y 17.24% 5132.53 $0 Cash Advances $0 0.06299% 22.9950 F 22.99`Yo $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Count on Dixover Bank for stability and roles that consistently beat the national average. With deposit accounts now FDIC insured up to $250,000, you can save more -with confidence. Open an account online at DixoverBank.com or by phone at 888-728-3212. Mention Code: D100935 New Balance Minimum Payment Due Account Number ending in 6432 ~I$C~VER 58,494.42 5168.00 Eller Amount Encbsed Below Payment Due Date $ ~- August 18, 2009 Please make check payable to Discover Card or pay online ~ Dixovercard.com. 23 SDSN6A02 0027400 JERRY L HOPE TextAPP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds 15 WEST CIR frornanywhere! CAMP HILL PA 17011-1343 PO BOX 71084 Illnrll~r~ulrl~rllulrl~ CHARLOTTE NC 28272-1084 Address, o-mail ortebphone ehanget' Print change in space Irrlr~lrrlrnlrlln~lulrlnrllllurlnlulullnlnlulrlull above, or go to Dixover.com. Print your a-mail addross to receive important Account information and special offers. OD000198645832054284408494420D2D0000016800 Discover Open Road Card Account Summary Closing DaM; July 23, 2009 pogo 1 of 1 Account number ending in 6432 Previous Balance x8,231.85 Payment Due Date August 18, 2009 Payments And Credits 200.00 Minimum Payment Due 5168.00 Purchases + 344.00 Credit limit $9,400.00 Cash Advances + 0.00 Credit Avaiiabb x903.00 Balance TransFers + 0.00 Cash Credit Limit $2,700.00 Finance Chm9s 1 18.57 ± Cash Credit Available 5905.00 ___,_ New Balance _ __ __ - 58,494.d2 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus° Cashback$ornrs®-Since Anniversary-Month August: 57.38 Keep usingg your Dixover{R) Card and watch your Cashback 8onus[R) growl Opening Cashbadc Bonus Balance ~ 12.85 New Cashback Bonus This Period + 0.86 Cashbadc Bonus Balance 5 13.71 How Can We Help You? 1 Visit Discowr.cem to pay your bil for no cost, view your latest Account information, earn and redeem rewards and more It's your Choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy self•service options or to speak with a Customer Service Account Manager Please have your Dixover Card available. 3. Write us at Dixover Card, PO Box 30943, Fw TDD {assistance for heating impaired) see roverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liabfliy Guarantee Use your Dixover Card with confidence. Trans. Pos! Dale Dais Payments and Crodits 1ul i 7 Jul 17 PAYMENT THANK YOU $ -200.00 Daparttnent Storo Jul 13 Jul 13 SEARS ROEBUCK 1224 HARRISBURG PA 344.00 Information for You Safeguard your Idenfsty. {dentity Theft Protection provides doily 3-bureau credit reports monitoring and alerts you of key changes that may help you identify potential Fraud. Visit Dixover.com/identilytheNprotection to learn more or to enrol{. 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 58368.17 0.04723% 17.24Y° Y 17.249'° 5118.57 SO Cash Advances 50 0.06299% 22.99% F 22.99% 50 50 The rates that apply to your Account are either fixed (F) or they may vary (V) os noted above Fall fashions breakingg the bank$ Shop bock-foachool sales through our exclusive online shopping site ShopDiscover{SM)! Earn 59° to 20% Cashback Bonus(R) at your Favorite online retailers like Gap, lands' End, JCPenney and many more. Visit Discover.com/shop today! r New Balance ! Minimum Payment Due Account Number ending in 6432 D'J~VER $8,687.61 i 5176.00 Enter Amount Encbsed Below Payment Due Date SeP~'~ 18' 4009 Please make check payable ro Discover Card or pay online ~ Dixovercard.com. 23 SDSN6A02 0027401 JERRY L HOPE Text APP to DtSCOV' to receive a link to our free mobile app and pay your bit in seconds 15 WEST CIR from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 ~~~"'~~""'~'~"~~"~'~' CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Printchnnge in space Irrlr'Irrlrirlr~lrr~iirlrlr~r'I+Irrr'~r~irlrrll~rlr~I~rliirrl) above, or go to Dixover.com. Print your email address ro receive important Account information and special offers. 00000198645832054284408887610020000001760^ _._. Discover Open Road Card Account Summary Closing DaAs: August 23, 2009 page 1 of 2 Account number ending in 6432 Previous Balance $8,494.42 Payment Due Date September 18, 2009 Payments And Credits 200.00 Minimum Payment Due $176.00 Purchases + 464.80 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Available $512.00 Balance Transfers + 0.00 Cash Credit limit $2,700.00 Finance Charges + 128.39 Cash Credit Available $512.00 __ New Bolancs _ = $8,887.61 You may be able ro ovoid Periodic Finance Charges, see the reverse side for deroih. Ccshback Bonuse Cashback 8orrus®Since Anniversary-Montle August: $11.48 Opening Cashback Bonus Bvbnce $ 13.71 New Cashback Bonus This Period + 4. l Q cashra«k 9onus 8dance s ti7.a11 Can We Hel You? H 1 V's't Drscowrcan ro pay your bill for no cost, view our s p ow latest Account information, eam and redeem reward and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service onions or to speak with a Customer Service Account Manager Please have your Dixover Card available. 3. Write us at Dixover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions SO fraud liability Guarantee Use your Dixover Card with confidence. Trans. Post Dab Dale Payments and Crodits Aug 3 Aug 3 PAYMENT THANK YOU $ -200.00 Gasoline Aug 7 Aug 7 GIANT FUEL 11269 CAMP Hlll PA 62.02 010065 Services Sul 29 Ju129 CAMP HIIL ANIMAL HOSP{ CAMP Hlll PA 353.93 Depafinsnt Storo Aug 13 Aug 13 BOSCOVS DEPARTMENT STORE CAMP Hlll PA 48.85 Information For You This month, the Featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(RI. Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card. Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNANCE FINANCE glances Rotes RATES RATES CMG _ CHAR S current billing period: 31 days Purchases $8768.87 0.047239'0 17.24% V 17.249'0 5128.34 $O Cash Advances $0 0.06299% 22.99% F 22.99% SO $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Need Cash$ Whether it's For on unexpected biU, an emergenry car repair or your kids' school activities, Diseover(R) Card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more. D1SCC~VER s>3$»°~Ce 23 SDSN6A02 00274D2 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 'i Minimum Payment Dw Account Number ending in 6432 $174.00 Enter Amount Encbsed Bebw Payment Dw Dab $ ~- ~~ 18' 2009 Please make check payable ro Discover Card or pay online @ Dixovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bid in seconds from anywhere! PO BOX 71084 III.rrII""'1'1..11"I'I'I CHARLOTTE NC 28272-1084 Address, e-mail ortelephons changeZ Print change in space Irr1r11rrlrrrlrllrrrlrrlrlrrrllllrrrlrrlrrlrrll rrlrrlrrlrlrrll above, or go to Dixover.com. Print your •~moil oddrsss fo receive important Account information and special offers. 000001986458320542844088179 000200000017400 Discover Open Road Card Account Summary Closing DaM: September 23, 2009 page 1 of 1 Account number ending in 6432 Previous Balance $8,887.61 Payment Due Date Cktober 18, 2009 Paymenh And Credits 200.00 Minimum Payment Due $174.00 Purchases + 0.00 Credit limit $9,400.00 Cash Advonces + 0.00 CredR Available $582.00 Balance Transfers + 0.00 Cash Credit timit $2,700.00 + Finarxe Charges 130.29 Cash Credit Available $582.00 !J _ _ New Balance = $8,817.90 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cosfiback Bonuse Opening Cashback Bonus Balance $ 17.81 New Cashback Bonus This Period + 0.00 Coshback Bonos~ Anniversary Month: August Cashback Bonus Balance 17.81 Keep usingg your Discover(R) Card and watch your Cashback Bonus(R) growl How Can We Help You? 1 Visit Dpeaver.cam to pay your b~ for ne cost, view your latest Account information, enm and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-BOaaSCOVER (347-2683) far fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Dixover Card available. 3. Write us of Dixover Card, PO Box 30943, For TDD (assistance Eor hearing impaired) see reverse side Sah Lake City, UT 84130 Transoctions SO Fraud liability Guarante9 Use your Dixover Card with confidence. Trans. Post DaN DaN Payments and Credits Sep 16 Sep 16 PAYMENT THANK YOU $ -200.00 !reformation For You Enroll in Paperless Statements for your chance to win big. Go paperless and you con win up fo $15,000 cashl Learn more at Discover.com/sweepstakes. ~~A~~ Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PBtCENTAr,;E FINANCE Balances Rates RATES RATES CHARGES current billing period: 31 days Purchases $8899.16 0.04723% 17.24% V 17.24% $130.29 $0 Cosh Advances $0 0.06299% 22.9990 F 22.99% $0 $0 The rates thot apply to your Account are either fixed (Fj or they may vary (V) as rested above New Balanee Minimum Payment Due Account Number ending in 6432 ~~SCcVER $9,062.43 $179.00 ~ Enter Amount Enclosed Below Payment Due Dote $ ~-~ November 18, 2009 pya~ make check payable to Discover Card or pay online ~ Discovercard.com. 23 SDSN6A02 D027403 JERRY L HOPE TextAPP to DISCOV• to receive a link to our 15 WEST CIR free mobile app and pay your bill in seconds from anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 ~~~nr~~wn~s~u~~n~r~r~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeZ Print thongs in space ~ir~i~~ir~rrr~i~~rrr~rrli~irrlll~irrlrilrrlrillirlrrl~i~rlrrll above, or go to Dixovsr.com. Print your e-mail addross to receive important Account information and spacial offers. 000001986458320542844090624300200000017900 Discover Open Road Card Account Summary Cbsing Date: October 23, 2009 page I of 1 Account number ending in 6432 Previous Balance $8,817.90 Payment Due Date November 18, 2009 Payments And Credits 200,00 Minimum Payment Due $179.00 Purchases + 318.77 Credit limit $9,400.00 Cash Advances + 0.00 Credit Available $337.00 Balance Transfers + 0.00 Cash Credit Limit 52,700.00 Finorrce Cfiarges + 125.76 Cash Credit Available $337.00 _ _ _ _ New Balance ____ _ $9,062.43 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 1781 New Coshback Bonus This Period + Q 79 Cashback Bonus® Anniversary Month: August Cashbadc Bonus Balance $ 18.60 Keep usinngg your Discover(R) Card and wakh your Cashback 8onus(R) grow! How Can We Hel You? p 1 Visit Dixevxeem to pay your bill (or no cost, view our latest Account information, eom and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-804•DISCOVER (347-2683) for inst easy selfservice Please have your Dixover Card availabb. , options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired( see reverse side 3. Write us at Dixover Card, PO Box 30943, Sak Lake City, UT 84130 Transactions $0 Fraud Lfabfllty Guarantee Use your Dixover Card with confidence. Trans. Post Date Date Payments and Credits Oct 2 Od 2 PAYMENT THANK YOU $ -200 00 AAsrcbandise/Retail Od 10 Od 10 NTO' NORM THOMPSON 800.547.1160 OR 54.00 Travel/Entertainment Oct 12 Oct 12 BESTOFVEGAS COM 954-3422900 FL 224.79 Services Oct 2 Oct 2 CBD•CYBERDEFENDER 866.793-0454 CA 39.98 mance Charge Summary Average pat IY Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic t R PERCENTAGE RATES ~~NTAGE FINANCE FINANCE a es CHARGES CHARGES current billing period: 30 days Purchases $8876.04 0.04723% 17.24% V 17.24% $125 76 $0 Cash Advances $0 0.06299% 22.99% F 22.99% . $0 $0 The rates that apply to your Account are either Fixed (F) or they may vary (Vl as rested above DISCOVER New Balance ( Minimum PoymeM Due Account Number ending in 6432 $8,812.15 _ 5256.00 __~ Enter Amount Enclosed Bebw Payment Due Date ~ ~- January 15, 2010 please make check payabb to Discover Card or pay online ®Discovercard.com. 20 SDSN6A02 0027404 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Text APP to DISCOV` to receive a link to our tree mobile app and pay your biN in seconds from anywhere! PO BOX 71084 Illurlluurlrlllmlulrl CHARLOTTE NC 28272-1084 Address,o-mailortelephonechange6Printchangeinspace I~rlrlli~lu~l~lln~l~rlrl~iil~ll~~~l~~~~~l~~~liili~l~~l~~i~ll above, or go to Dixover.com. Prins your o-mail address fo receive important Account information and special offers. 000001986458320542844088121500200000D25600 Discover Open Road Cord Account Summary Closing Ck~te: December 20, 2009 page 1 of 2 Account number ending in 6432 Previous Balance 59,062.43 Payment Due Date January 15, 2010 Payments And Credits 800,00 Minimum Payment Due $256.00 Purchases + 309.03 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Available 5587.00 Bobnce Transfers + 0.00 Cash Credit Limit $2,700.00 Finance s + 240.69 Cash Credit Available 5587.00 New Balance _ = $8,812.15 You may be obkr b avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus• Opening Cashbaek Bonus Balance $ 18.60 New Cashback Bonus This Period + 0.77 Cashbock Bonus® Anniversary Month: August Keep usinngg your Dixover(R) Card and watch your Cashback Bonus(R) growl Cashback Bonus Balance 19.37 How Can We Hel You? 1 Visit Discm~rcom to pay your bill for no cost, view ur p latest Account information, earn and redeem rewardioand more #'s your choice - 3 ways to help 2• Call 1-800-DISCOVER (347.2683) for fast, easy selfserviee Please have your Dixovar Card avaibble. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) sea reverse side 3. Write us at Discover Card, PO Box 30943, Sok Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Dixover Card with confidence. Trans. Post Date Date Payments and t.redita Oct 24 Ckt 24 INTERNET PAYMENT THANK YOU $ -400.00 Nov 18 Nov 18 PAYMENT THANK YOIJ -200 00 Dec 16 Dec 16 PAYMENT THANK YC>lJ _200 00 Merchandise/RetaJ Nov 14 Nov 14 PETSMART INC 583 MECHANICSBURGPA 39.19 0583190310501170328524 Dec 10 _ Dec 10 QVC 344576286801 1 C~F3 800-367-9444 PA 44.13 Restaurants Dec 2 Dec 2 DUKES RIVERSIDE BAR GRIL WORMLEYSBURG PA 12q,07 Supsrmarkeh Nov 14 Nov 14 GIANT FOOD #269 CAMP HILL PA 96.64 010062 9657097 v~scovertRl gin taros make easy holiday gifts. Now save 52 on the purchase tae of each gik card -plus FREE shipping. Personalize gik cards with names and messages. Many have matching greeting cards! Save through 12 31 /09 -enter GIFT4 at DiscoverGiftCard.com New Balance I Minimum Payment Due Account Number ending in 6432 DISCOVER $8,874.92 $178.00_ Enter Amount EnclosedBebw Payment Due Date $ ~- febnrary 15, 2010 Please make check payable to Dixover Card or pay online Q Dixovercard.com. 20 S~SN6A02 0027405 JERRY L HOPE Text APP to DISCOV* to receive a link to our 15 WEST C I R flee mobile app and pay your bill in seconds ftom anywhere! CAMP HILL PA 17011-1343 PO BOX 71084 ~~~ur~~uns~r~~~ur~n~s~ CNARLOTTE NC 28272-1084 Pa Address, o-moil or Telephone change$ Print change ins ce ~u~n~~n~u~~~~~ni~~~~i~ni~~~~ni~u~n~u~~u~n~n~~~n~~ above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. DOOOD1986458320542844088749200300000017800 Discover Open Road Card Account Summary dosing Date; January 20, 2010 page 1 of 1 Account number ending in 6432 Previous Balance 56,812.15 Payment Due Date February 15, 2010 Payments And Credits 30p,00 Minimum Payment Due $178.00 Purchases + 233.14 Credit Limit $9,400.00 Cash Advances + 0.00 Credit Available $525.00 Balance Transfers + 0.00 Cash Credit Limit $2,700.00 finance CFrargea + 129.63 Cash Credit Available $525.00 __ _ New Balance ~ $8,874.92 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse opening Cashback Bonus Balance $ 19.37 New Cashback Bonus This Period + p_$$ Cashback Bonus Bda-ce S 19.95 £ashback Bonus® Anniversary Month: August Keep usingg your Dixover(R) Card and watch your Cashback Bonus(R) grow! How Can We Hel You? p 1 Visit Diacevercan ro pay your bbl ter ne cost, view ur latest Account information eam and redeem reward and moro It's your choice - 3 ways to help , 2. Call 1-800•DISCOVER (347-2683) for fast eas self-service Please have your Dixover Card available. , y options or to speak with a Customer Serviee Aecount Manager For TDD (assistance For hearing impaired) see reverse side 3. Write us at Dixover Card, PO Box 30943, Sah Lake City, UT 84130 Transactions SO Fraud liability Guarantee Use your Dixover Card with confidence. T ns. P ~% ~ Paymenh and Credits Jan 5 Jan 5 PAYMENT THANK YOU ~ 300 ~ il1erchandise/RetaR Dec 23 Dec 23 QVC 344723244401 800367-9444 PA 33 54 Jan 2 Jan 2 . GRE*GREEN MTN COFFEE 800.223-6768 Vi 47.80 31812197H3W3FRH1 Jan 11 Jan 11 QVC 344576286801 2 OF 5 800.367-9444 PA 44.13 Fbms bnprovsment Jan 4 Jan 4 _ _ COWE'S OF MECHANICSBURG, MECHANICSBURGPA 107.67 ~~i3A~t? Charge Summary Average pally Nominal ANNUAL ANNUAL Periodic Transodion Fe Daily Balances Periodic Rates PERCENTAGE RATES PBtCENTAGE RATES F~ e F current billing period: 31 days _ Purchases $8854.01 Cash Advances $0 0.047239'0 0 17.24% V 17.249'0 $129.63 $0 .06573% 23.99% V 23.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above DISCOVER New Balance Minimum Payment Due $8,848.35 $177.00 ~ Account Number ending in 6432 Enter Amount Enclosed Below Payment Due Date $ ~-~ March 15, 2010 Please pay online @ www.Discover.com or make check payable to Discover 20 SDSN6A02 0027406 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Address, e-mail or telephone chonge8 Go ro www.Discover.com or print change in space above. Text APP to DISCOV' to receive a link to our free motHle app and pay your t>ilI in seconds from anywhere! PO BOX 71084 Illu~lln~nl~llls~~lnlrl CHARLOTTE NC 28272-1084 ~n~r~~n~ns~s~~ns~n~s~ni~~~lnslnlnln~lnlninlriull OOOOD198645832054284408848350020000D017700 Vpemng uate: January Z1, Z010 - Closing Date: Feb Discover Open Road Card Account Account number ending in 6432 Previous Balance $8,874.92 Payments And Credits 200.00 Purchases + 44.13 Balance Transfers + 0.00 Cash Advances + 0.00 Finance (]surges + 129.30 Other Fees t + 0.00 New Balance 8,848.35 See Finance Charge Summary secti on following transactions for detailed APR information Credit Line $9,400.00 Credit Litre Available S55 T:00 Cash Advance Credit line $2,700.00 Cash Advance Credit line Available $551.00 I You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transaction detail For a description of any fees Cashback Bonus® Anniversary Month August Opening Cashback Bonus Balance $ 19.95 New Cashback Bonus This Period + 0.11 Cashback Bonus Balance $ 20.06 To loam more, log in nt www.Discover.com and sel«i Rewards vary 20, 2010 Daae 1 of 2 Payment InFormation New Balance $8,848.35 Minimum Payment Due $177.00 Payment Due Date March 15, 2010 Leh 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 ro $39.00 and your purchase APRs for new transactions may be irxreased up to the Defauh APR of 22.24go variable. Minimum Paymerst Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer ro pay off your balance. For example: you iti~Jfdlr #u? You v+~ pug off And?yov wiN+agiE# itlrtii~~ktt-~ he baance shown up pvying pn uslrr~}thi~ rxtr~~d on Phis atatemeM estimated talal4f IAESl1~k'~SV.};!Vy.,. in alacsut Only the minimum 26 years $26,359 payment $317 3 years 11,395 Sevin s = $14,964 ~ If you would like information about credit counseling services, call 1-800347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Discovar.com Access free online tools like Paydown Planner to create a plan 2. Cail 1-800.DISCOVER (1-800.347.26831 to pay down your balance, securely access statements, pay Please hove your Discover®card available. bills online and easily hack all hansactions 3. Write to us at Discover, PO Box 30943, Make your money worth moreSM-find easy ways to earn Salt lake City, UT 84130 and redeem cash rewards For TDD (telecommunications Device for the Deaf) NEWT Access your account securely through your 9a~s~~r~cg„please call 1-800-347-7449. mobile phone Transactions ~,:~. P~ Payments and Grsdih Feb 2 Feb 2 PAYMENT THANK YOU $ -200 00 Merchandise Feb 10 Feb 10 QVC 344576286901 3 OF 5 800.367-9444 PA 44.13 See reverse "de. DISCOVER' DISCOVER New Balance Minimum Payment Due Account Number ending in 6432 58,591.46 $172.00 __~ Enter Amount Enclosed Below Payment Due Date $ ~--~ Apra 15, 2010 Please pay online i2 www.Discover.com or make check payable to Discover 20 SDSN6A02 0027407 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Address, e-mail or telephone changey Go to www.Discover.com or print change in space above. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere) PO BOX 71084 III+++IIr++++Irlll+rslrrlrl CHARLOTTE NC 28272-1084 Inlrllnlurlrllminlilurll~~nrlnin~nlluln~n~r~nll 000001986458320542844085914600200000017200 Opening Date: febnwry 21, 2010 - dosing Date: March 20, 2010 'Discover Open Road Card Account Account number ending in 6432 Previous Balance 58,848.35 Payments And Credits 1,200.00 Purchases + 828.70 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 1 14.41 Other Fees t + 0.00 New Ba nce 58,591.46 See Finance Charge Summary section following transactions for detailed APR information Credit Line $9,400.00 Credtf Line Available 5$08:00 Cosh Advance Credit Line $2,700.00 Cash Advance Credit Line Available 5808.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transaction detail for a description of any fees charged.I """^"" """"' Anniversary Month August Opening Cashback Bonus Balance 5 20.06 New Cashback Bonus This Period + 2.66 -- Cashbodcbanus balance S 22.72 To learn more, log in at www.Discowr.com and ulec~ Rewards 3 Easy Ways to Contact Us 1 Access your account securely of www.Discovercom 2. Call 1-800-DISCOVER (1-800-347-2683) Please have your Discover®card available. 3. Write to us al Discover, PO Box 30943, Solt Lake City, UT 84130 For TDD (Telecommunications Device For the Deaf1 ~~s~;gr}F~~leose call 1-800.347-7449. IDaae 1 of 2 Payment Information New Balance $8,591.46 Minimum Payment Due $172,00 Payment Due Dale Aprii 15, 2010 Lola Payment Wanirg: If we do not receive your minimum payment by the date listed above, you may have to pay a lace fee of up to 539.00 and your purehose APRs for new transactions may be increased up to the Defauk APR of 22.245', variable. Minimum Payrrrenf Wamirg: 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: ~+d1tAWItRltb You wt"N pty off Attd yttu vihf! t~fcl N'i C~i' he balance :haven up paying an ~~ ~i~tF , r>n ll?iu stc~pmettl. +~matlrci tpto-,~+t ,.. : fAtl~1L;. ina6put. Only the minimum 26 years $25,500 payment 5307 3 years 11'06 Savi s = 514,436 ) If you would like information about credit counseling services, toll 1.800.347.1121 Manage Your Account Online at vrww.Discover.com Access free online tools like Paydown Planner fo create a plan fo pay down your balance, securely access statements, pay bills online and easily track all fransactions Make your money worth morel-find easy ways to earn and redeem cash rewords NEWT Access your account securely through your mobib phone 'Transactions s. Dm P ais ~ Payments and Credits Feb 27 Feb 27 INTERNET PAYMENT THANK YOU $ -600,00 Mar 2 Mar 2 PAYMENT THANK YOU -400 00 Mar 19 Mar 19 INTERNET PAYMENT THANK YOU _400.00 Merchandise Fab 23 Feb 23 GRE'GREEN MTN COFFEE 800-223-6768 VT 47.40 66219136MSR 1 ZTGA Mar 13 Mar 13 QVC 344576286801 4 CAF 5 800.367.9444 PA 44.13 Sea reverse side. DISC~VEI~ DISCOVER 58,956.97ce 20 SDSN8A02 0027408 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Minimum Payment Due Account Number ending in 6432 $180.00. ~ Enter Amount Enclosed Bebw Payment Due Date $ ~- -~ May 15, 2010 per, online at www.Discover.com or make check payable ro Discover. Phone and internal payments must ba made by S:OOpm ET for same day posting. Text APP ro DISCOV` to receive a link to our free mobile app and pay your tMll in seconds from anywhere+. PO BOX 71084 ~~~rrr~~nur~r~~~urlsr~r) CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ ~n~~~~n~~n(~~(m~ni~(ur(ii~ur~n~n~n((n~uinir~ni~ Go to www.tHscovsr.com or print chonge in space above. OOD00198645832D5428440895697002DODOD0180DD Opening Doak: March 21, 2010 - dosing Dab: April Discover Open Road Card Account Summa Account number ending in 6432 Previous Bolonce $8,591.46 Payments And Credits g00.Op Purchases + 637.63 Balance Transfers + 0.00 Cosh Advances + 0.00 Finance Chorges + 127.88 Other Fees t + 0.00 New Balance 8,956.97 See Finance Charge Summary section fofbwing hansactions for detailed APR information Credit Line $9,400.00 Credit Line Available $443.00 Cash Advance Credit Line $2,700.00 Cash Advance Credit Line Available $443.00 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. tSee transaction detail for a description of any fees charged. °••"""~ """"' Anniversary Month August Opening Coshback Bonus Balance $ 22.72 New Cashback Bonus This Period + 3.60 Coshback Bomis Balance $ 26.32 To learn more, log in of www.biscover.mm and select Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Dacovar.com 2. Call 1-800-0ISCOVER (1-800-347-2683) Please hove your Discover®card ovaik~b . 3. Write to us at Discover, PO Box 30943, Soh Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) ~~styart~~~lease call 1.800-347-7449. 20, 2010 twee 1 of 2 Payment Information New Balance $8,956.97 Minimum Payment Due $180.00 Payment Due Dale May 15, 2010 late Payment Wamisg: If we do not receive your minimum payment by the dale listed above, you may have to pay a hte fee of up ro $39.00 and your purchase APRs for new transactions may be increased up ro the Dafouh APR of 22.24% variable. Minarwm Payment Wamirg: IF you make only the minimum payment eoch period, you will pay more in interest and it will take you longer ro pay off your balance. For example: ~att:r4elk~t tto Ycu wil# pay off . #itd y+~tt w~itl wit ftTittlpl ~ ha balance shown up paying do ~~~~1' ~ 9E>Fl . on this statement estitPgtsd tatq~ 4(. ~1~ , in vbout'. Only the minimum 26 years $26,765 payment $320 3 years 11,535 Savings = $15,230 ~ IE you would like information about credit counseling services, call 1-800.347.1121 Manage Your Account Online at www.Discover.com Access Free online tools like Paydown Planner to create o plan to pay down your ba{once, securely access statements, pay bills online and easily track all transactions Make your money worth morel-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Trcnsactions D s. P ab ~ Payments and Credits Mar 25 Mar 25 INTERNET PAYMENT THANK YOU $ -200 00 Apr 2 Apr 2 PAYMENT THANK YCdJ -200 00 Merchandise Mar 18 Mar 21 INKIETSUPERSTORE.COM BELL CA 182 91 ## Apr 13 Apr 13 QVC 344576286801 5 OF 5 800-367-9444 PA 44 13 Apr 13 Apr 13 GRE*GREEN MTN COFFEE 800.223.6768 VT . 47.40 See reverse side. ~'~~•~~~ DISC+V E R. 58,958.71 Ce 25 SDSN6A02 0027409 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Minimum Payment Due Account Number ending in 6432 S 180.00 _ ~ Enter Amount Encbsed Below Payment Due Date June 20, 2010 pay online at www.Discover.com or make check payable to Discover Phone and infinef payments must be made by S:OOpm ET for some day posting. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Illnrllnnrlrlrlrlnrllrl CHARLOTTE NC 28272-1084 Address, email or telephone changeZ ~ ~ ~~u~m~t~~m~n~t~tn~~~~u~~n~n~n~~n~n~n~t~n~~ Go to www.Discever.com or print change in space above. 't ' DDOD019864583205428440895871D02D0000018000 Opening Date: April 21, 2010 - Closing Data: May 2: Discover Open Road Card Account Summa Account number ending in 6432 Previous Balance 68,956.97 Payments And Credits 200,00 Purchases + 53.93 Balance Transfers + 0.00 Cosh Advances + 0.00 Finance Charges + 147.81 CMher Fees t + 0.00 New Balance 8,958.71 See Finance Charge Summary section following hansactions for detailed APR information Credit Line 69,400.00 Ciediftine Avai1661e 6441 ~00 Cash Advance Credit Line 62,700.00 Cash Advance Credit Line Available 6441.00 You may be able to avoid Periodic Finance Charges, sea the reverse side for details. t See transaction detail for a description of any fees charged. """""'^ """°' Anniversary Month August Opening Cashback Bonus Baance 6 26.32 New Cashback Bonus This Period + 0.13 Cashback Bonus 8alancs 6 26.45 To barn more, bg in of www.Dixovar.com and select Rewords i, 2010 coos 1 of 2 Payment MFormation New Balance $8,958.71 Minimum Payment Due 6180.00 Payment Due Dote June 20, 2010 lnb 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 639.00 and your purchase APRs for now transactions may be increased up to the Defauk APR of 22.249e variable. Mininum Payment Warning: IF you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: F~t'~akaJSei You;w+H pay off ,RircJ;you wilfezti: ' iii+~: a baksnce shown Up ptiYiflg a~. ,n~ m on fins statamerrt tssttm4ted ts~Tl of. .:: a-~ ., in pknout ..: . Only the minimum 26 years $26 y78 pQyment 6320 3 years 11,537 Savings = 615,241 J If you would like information about credit counseling services, call 1-800.347.1121 3 Easy Ways to Contact Us Manage Your Accotmt Online at www.Discover.com 1 Access your account securely at www.Diseovsr.eom Access free online fools like Paydown Planner to create a plan 2. Call 1-B04DISCOVER (1-804347.2683) to y down your balance, securely access statements, pay Please have your Discover®card available. bills online and easily crack all transactions 3. Write to us at Discover, PO Box 30943, Make your money worth mores-find easy ways to earn SoH Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device For the DeaF) NEWT Acc~ your account securely through your oce~nn~ease call 1-8 043 4 7-74 49. mobile phone Transactions T s. P ~ ~ Payments and Crodas May 3 May 3 PAYMENT THANK YOU $ -200.00 Merchandise May 9 May 9 LUGGAGE PROS COM 952.5453375 MN 16.93 Government Services Apr 22 Apr 22 PA DRIVER/VEHICLE SERV HARRISBURG PA 37.00 sae reverse side. DISCOVER DISCOVER New Balance ~ M'ni imum Payment Due 58,937.92 5179.00 Payment Due Date July 20, 2010 25 SDSN6A02 0027410 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Enclosed Below $~ Pay online at www.Dixover.com or make check payabb to Dixover Phone and Internet payments must be made by S:OOpm ET for some day posting. Text APP to DISCOV" to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 (~~rn~~rsssrlrlrlrlrrsllsl CHARLOTTE NC 28272-1D84 Address,e-rnoilor telephonechange~ ~ ~ ~~n~nr~r~~nr~n~r~rn~~~~nr~n~n~n~~n~u~ulr~u~~ Go to www.Discover.com or print change in sp«e above. ~ ~ r ^00001986458320542844089379200200000017900 Opening Date: May 26, 2010 - C1ot~ng Date: June 25, 2010 I Discover Open Road Card Account Account number ending in 6432 Previous Balance $8,958.71 Payments And Credits 200.00 Purchases + 47.40 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 131.81 Fees Charged t 0.00 New Balance 8,937.92 See Interest Charge Cakulotion aection fagowing transactions for detailed APR information Credit line $9,400.00 Credit Line Available -$462.00 Cash Advance Credit Line $2,700.00 Cash Advance Credit Line Available $462.00 You may be able to avoid Interest Charges, see Additional Important Information for details. CQStlbatlC 13onus® Anniversary Month August Opening Cashback Bonus Balance $ 26.45 New Cashback Bonus This Period + 4.1 1 CeshbodcBonus balance $ 26.56 To learn more, log in al www.Discnver.mm 3 Easy Ways to Contact Us 1 Access your «count securely at www.Discover.com 2. Call 1-800-DISCOVER (1-804347-2683). Please have your Dixover®card available. 3. Write to us of Discover, PO Box 30943, Sa{t Lake City, UT 84130 (Not a payment address) for payments, please send to address on remittance or Dixover, PO Box b 103, Card Stream, IL 60197-6103 For TDD {Telecommunications Device for the Deaf) assistance, please call 1-804347-7449. page 1 of 2 Payment Informatwn New Balance $8,937.92 Minimum Payment Due $179.00 Payment Due Date July 20, 2010 tale Paymenf Worming: If we do not receive your minimum payment by the date listed above, you may have to pay a late Fee of up fo $39.00 and your purchase APRs for new transactions may be increased up io the Penahy APR of 22.24% variable. Mininum Payment Warning; If you make only the minimum payment each period, you will pay more in interest and it will take you bnger fo pay off your balance. For example: F yam' ~Ofiss.tlo You ~rrq pay off And"you wilt ::...: iii a balance shown up ppyirg 4p> slr~ tl+iv sxud pcK;1.: on this statement esti`rFOted tcial.al. riiwtt1:~rtt.piry . to c?taut ': Only the minimum 26 years $26,697 payment $320 3 years 11,510 Savings = $15,187 ~ If you would like information about credit counseling services, call 1-8003471121 Manage Your Account Online at viww.Discover.com Access free online tools like Paydown Planner to create a plan to down your balance, securely access statements, pay bills online and easily tr«k all kansacfions Make your money worth mores-find easy ways to cam and redeem cosh rewards NEW! Access your account securely through your mobile phone Transactions Tran:. Pest Date Dale Payments and Credits Jun 17 Jun 17 PAYMENT THANK YOU $ -200.00 Merchandise Jun 1 Jun 1 GRE*GREEN MTN COFFEE 804223768 VT $ 47.40 30144388H9QI30AN Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interost Charged INTEREST CHARGE ON PURCHASES $ 131.81 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~VER• DISCOVER New Balance Minimum Payment Due 58,884.93 $178.00 Payment Due Data August 20, 2010 25 SDSN6A02 0027411 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 2010 Po sox 71Ba4 Ill,rrll~nrrrlrlrlrl~rrllnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ ~ ~ ~f 1r~rn~r~~nn~u 1~nn~l~lui~n~u~n~lu~nlnlninl) Go to www.Discovercom or print charge in space above. ~ ~ ~ 000001986458320542844088849300180000017800 Date:.rune Z6, 201 O - Closing Dab: July 25 Discover Open Road Card Account Account number ending in 6432 Previous Balance $8,937.92 Payments And Credits 180.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 127.01 Fees Charged + 0.00 New Balance 8,884.93 See Interest Charge Calculation section Folbwing fransadions For detailed APR information Credit Line $9,400.00 Credit Line Available $5T5.00 Cash Advance Credit Line $2,700.00 Cash Advance Credit Line Available $515.00 You may be able fo avoid Interest Charges, see Additional Important Information for details. Cashbock Bonus® Anniversary Month August Opening Cashbock Bonus Balance $ 26.56 New Cashbock Bonus This Period + 0.00 Cashbock Bonu: Balance $ 26.56 To learn more, b8 In at www.Diacover.com Account Number ending in 6432 Enter Amount Enclosed Below ~~ Pay online at www.Discover.com or make check payable to Discover. Phone and iniemet payments must be made by S:OOpm ET for same day posting. Text APP to DISCOV' to receive a link to our free motile app and pay your bill in seconds from anywhere! page 1 of 2 Payr~nt InFormation New Baance $6,884.93 Minimum Payment Due $178,00 Payment Due Date August 20, 2010 late Paymsrrt Wembg: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new hansadions may be increased up to the Penalty APR of 22.24% varioble. Minimum Payment Wamisg: 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 you msyke isb. ' 1'ou vrff looyaff And;you wiN cad " , ronpF a Ealance sF+own up payng ad tfal;t,cf:,i oa ffib statement eattingfed tOtgl4f mClMI!'f+41J l in c-},jAeN Only the minimum 26 years $26,519 payment 5318 3 years 11,442 Savings = $15,077 } If you would like information about credit counseling services, call 1-800.347.1 ]21 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1-800-347-2683). Please have our Dis o ® d ik b Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay y c ver car ava a bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, SaN Lake City, UT 84130 (Not a payment address) Make your money worth moreSM-find easy ways to earn For payments, please send to address on remiMance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197 103 NEWT Access your account securely through your for TDD [fekicommunicafions Device for the Deaf) mobile phone assistance, please call 1.800-347-7449. 86570x7 Transactions Trans. Post Dale Date Paymenh and Credits Jul 20 Jul 20 PAYMENT THANK YOU $ 180.00 Fees TOTAL FEES FOR THIS PER~D $ p,00 Interest Charged INTEREST CHARGE ON PURCHASES $ 127.01 INTEREST CHARGE ON CASH ADVANCES p,00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISCQVER New Babnce Minimum Payment Dua $a,ns.n $176.00 Payment Due Date September 20, 2010 25 SDSN6A02 0027412 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 i!S, 2010 PO SOX 71084 Illrrrllrrrrslrlrl~lrrrllrl CHARLOTTE NC 28272-1084 Address, o-mail or telephone change? lulrlluiurlrllnrlulrlnrll~lur~nlrrlnl~u~nlnlrln~l Go to www.Discovsr.eom or print change in space above. 00000198645832054284408773??D0500D000b7600 t~afs: jury to, w f u - t„fostng oafs: august ',Discover Open Road Card Account Account number ending in 6432 Previous Babnce $8,884.93 Payments And Credits 500.00 Purchases + 259.26 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 129.58 Fees Charged + 0.00 New Balance 8,773.77 See Interest Charge Calculation section fdbwing transactions for detailed APR information Credit Line $9,400.00 Credit line Available $626.00 Cosh Advance Credit Line $2,700.00 Cash Advance Credit Line Available $626.00 You may be abk to avoid Interest Charges, see Additional Important InFormation for details. •.a+arrw~w wave Anniversary Month August Opening Cashbock Bonus Balance $ 26.56 New Cashbock Bonus This Period + 0.73 C.ashback bonus baance $ 27.29 To learn more, log in al www.Discover.com Account Number ending in 6432 Enter Amount Encbsed Below ~~ Pay online at www.Discover.com or make check payabb to Discover Phone and internst paymerrts must be made by S:OOpm ET for same day posting. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! page 1 of 2 Payment Information New Balance $8,773.77 Minimum Payment Due $176.00 Payment Due Date September 20, 2010 Late Paymeert Wosning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs For rrow transactions maybe increased up to the Penohy APR of 22.24`Y variable. Minimum Payment Wornirg: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: }~i AAdkb ~r- • You ivrN pay tf And yb,r wiH 8~1 tlaaartl ~ ha balance sfnvm up pay,ng xtre sing thb c~ ~ on this ~adement estimq(9d total of triwst~~'.;i~Y ; in about C>nly the minimum 26 years $26,124 payment $314 3 years 11'299 Savings = $14,825 ) If you would like information about credit counseling services, call 1-800.3471121 3 Easy Ways to Contact Us Manage Your Account Online at vnvw.Discovsr.com 1 Access your account securely at www.Discovsr.com 2. Call 1-800-DISCOVER (1.800.347-2683). Please ha Di ® d il bl Acceu free online tools like Paydown Planner to create a plan to pay down your balance securely access statements, pay ve your scover car ava a e. bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) Make your money worth morel-find easy ways fo earn for payments, please send to address on remittance or and redeem cosh rewards Discover PO Box 6103, Carol Stream, IL 60197.6103 NEW! Access your account securely through your For TDD (Telecommunicafions Device for the Dead mobib phone assistance, please toll 1-800-347-7449 Transactions T~s. P~ Payments and Credits Aug 18 Aug 1 B PAYMENT THANK YOU $ •500.00 Mercbandise Aug 22 Aug 22 TIFFANY & CO #029 LAS VEGAS NV $ 189 18 Gasdine Aug 23 Aug 23 0206965 CHEVRON 0206 LAS VEGAS NV 5,00 Travel/EnlaYanment Aug 23 Aug 23 BUDGET CAR AND TRUCK REN LAS VEGAS NV 65.06 Fees TOTAL FEES FOR TFi15 PERIOD 0.00 NOTICE, SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~VER DISCOVER New Balance Minimum Payment Due 59,245.70 5185.00 Payment Due Date Cktober 20, 2010 25 SDSN6A02 0027413 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Encbsed Bebw r- Pay online at www.Dixover.com or make check payable to Dixover Phone and intemet payments must be made by S:OOpm ET for same day posting. Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 (Ilsrrll+++rsl+Irl+~++sllsl CHARLOTTE NC 28272-1084 Address, e-mail ortebphonechange2 inlrllnlmlrllrnlnlrlnrllllnrlninlnllninluliiull Go to www.Diseover.com or print change in apace above. 000001986458320542844092457D002000DDD18500 Opening Date: August 26, 2010 - Discover Open Road Card Account 'I Account number ending in 6432 Date: Sspistnber 25, 2010 Previous Balance 58,773.77 Payments And Credits 200.00 Purchases + 538.21 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 133.72 Fees Charged + 0.00 New Balance 9,245.70 See Interest Charge Calculation section foAowing transactions for detailed APR information Credit Line $9,400.00 Credit Line Available $154.00 Cash Advance CredR Line $2,700.00 Cash Advance Credit line Available $154.00 You may be able ro avoid interest Charges, see Additional Important Information for details. wanuacsc rsvnus Anniversary Month August Opening Cashback Bonus Balance 5 27.29 New Cashback Bonus This Period + 1.52 Cashback Bonus Balarres $ 28.81 To (earn more, log in al wW W.DisCOVef.tAm page 1 of 3 Payment Information New Balance $9,245.70 Minimum Payment Due $185.00 Payment Due Date October 20, 2010 late PayrtteM Warnitg; If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance hansfer APRs for new transactions may be increased up fo the Penaky APR of 22.24% variable. Minimum Paymesrt Wamig: 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'yov rrillkir~Afi. You wiR #wy of . AFid you wiN wit ditiona~ ~ balance shown up payit~ an rlg t~ on this atatemeni tuptsd'total cf.. ~.! ~ . in a~Dut Only the minimum 27 years 527,758 Payment $331 3 years 11'907 Savings = $15,851 ~ IF you would like information about credit counseling services, call 1-800-347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discovsr.com 1 Access your account securely at www.Di>xever.com 2. Call 1-800-DISCOVER (1-800.347-2683). Please have your Dixover®card available Access free online tools like Paydown Planner to create a plan to day down your balance securely access statements, pay bil s online and easily track all transactions 3. Write fo us at Dixover, PO Box 30943, Sah Loke City, UT 84130 (Not a payment address( - Make your money worth mores-find easy waya to earn For paymenh, please send to address on remittance or and redeem cosh rewards Discover PO Box 6103, Carol Stream, IL 60197 103 NEWT Access your account securely through your For TDD (telecommunications Device far the Dea•) mobile phone assistance, please call 1.800.347-7449. Transactions s D Dale ~ Paymsnts and Crodits Sep 7 Sep 7 PAYMENT THANK YOU 5 .200.00 Merchandise Aug 24 Aug 26 GRE`GREEN MTN COFFEE 804223-6768 VT $ 47.40 84011725SD7U76CZ Sep 21 Sep 21 THE BRINKMANN CORPORATIO 8045 2 707 1 7 TX 95.50 Restaurants Sep 21 Sep 21 PAPA JOHNS #0951.COM MECHANICSBURGPA 10.60 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D~SC~VER DISCOVER r-~- New Balance ~ Mmimum Payment Due 59,317.49 ~ S 187.00 Payment Due Date November 20, 2010 25 SDSN6A02 0027414 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Enclosed Below ~~ Pay online al www.Dixover.com or make check payable to Dixover. Phone and internal payments must be made by S:OOpm ET for same day posting. Text APP to DISCOV" to receive a link to our free rrtobik app and pay your !HN in seconds from anywhere! PO BOX 71084 Illrrrl~iusrlrlrlrlrrrl~rl CHARLOTTE NC 28272-1084 Address, e-mail ortebphonechange~ ~rr~r~~rrluilrllruln~r~rnlllfrn~nlnlir~lnlrilirlr~rrll Go fo www.Discever.eom or print change in space above. 000001986458320542844093174900200000018700 opening Dote: 5eptsmber Z6, 2010 • Dosing Dale: C Discover Open Road Card Account Summa Account number ending in 6432 Previous Balance x9,245.70 Payments And Credits 200.00 Purchases + 139.27 Balance Transfers + 0.00 Cash Advances t 0.00 Interest Charged + 132.52 ,fees Charged + 0.00 New Balance ~ 59,317.49 See Interest Charge Calculation section following transactions for detailed APR information Credit tine 59,400.00 Credit Tine Available ~82,r3(y Cash Advance Credit Line x2,700,00 Cash Advance Credit Line Available 582.00 You may be able to avoid Interest Charges, see Additional Important Information for details. "°••"""^ """"' Anniversary Month August Opening Cashback Bonus Balance 5 28.81 New Cashback Bonus This Period + 1.04 Cashback bonus balance ----_-- 5 -- 29.85 To Icarn more, log in m wwW.Discover.tom 3 Easy Ways to Contact Us 1 Access your account securely of www.Discovsr,com 2. Call 1-800-DISCOVER (1.800-347-2683). Please have your Dixover®card available. 3. Write to us of Discover PO Box 30943, Sale lake Cify, UT 84130 (Not a payment address) For payments, please send to address on remiMance or Discover. PO Box 6103, Carol Sheam, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449. kfober 25, 2010 twee 1 of 3 Payment Information New Balance 59,317.49 Minimum Payment Due 5187,00 Payment Dus Date November 20, 2010 Lola Paynsant 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 535.00 and your purchase and balance honsfer APRs For new tronsoctions may be increased up to the Penalty APR of 22.24% variable. Mininum Paymarrt Wamirg: If you make only the minimum payment each period, you will pay more in interest and it will take you kxrger to pay off your balance. For example: tf yw; rhaW- no . You w,t pqy ~ff Atielx, +wfll %r~Arges a balance shown +sp pgyft>'g an. ..::.,: fttgltAk?j6~JtF.pp~r , iA vbot,t Only the minimum 27 years 528,014 payment 5333 3 years 1 1.9 Savi s = 516,015 ~ If you would like infoormation about credit counseling services, toll 1-600.347.1121 Manage Your Account Online at www.Discover.com Access Free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily hack all transactions Make your money worth moreSM-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions T s. P ~ ~ Paymsnh and Gedrls Oct 20 Oct 20 PAYMENT THANK YOU 5 •200.00 Gasdms Oct 14 Oct 14 0384 SHEETZ BETHLEHEM PA S 27.34 Oct 15 Oct 15 LUKCNL 69246 Al1ENTOWN PA 12.79 Services Sep 24 Sep 26 THE UP5 STORE #0918 HARRISBURG PA 30.66 Oct 2 Oct 2 CBD*CYBERDEFENDER 866.793-0454 CA 3q,gg NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D~~C~VER DISCOVER New Balance Minimum Payment Due $9,314.96 5187.00 i------- - -- - Payment Due Date December 20, 2010 25 SDSN6A02 0027415 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Enclosed Bebw ~~ Pay online at www.Discover.com or make check payable to Discover Phone and intemet payments must be made by S:OOpm ET for soma day posting. Text APP to DISCOV' to receive a }ink to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Illrrrl~rrrrs~r~r~r~ur~lrl CHARLOTTE NC 28272-1084 Address,smailorfelephonechange8 I ~ Ilrrlrrr~r~ltrrltt r rrrllllrrrlrr~rt~ ~~tt~tr~rr~r~ttll Go to www.Discover.com or print change in space above. t r r I I t r 000001986458320542844093149600200000018700 opening Dote: vctobsr 26, 2010 - hosing Date: Noy Discover Open Road Card Account Summa Account number ending in 6432 Previous Balance $9,317.49 Payments And Credits 275.00 Purchases + 134.47 Balance Transfers + 0.00 Cash Advances + 0.00 interest Charged + 138.00 Fees Charged + 0.00 New Balance 9,314.96 See Interest Charge Calculation section blowing tronsoctions for detailed APR information Credit Line $9,400.00 Credit Line Available $85.00 Cash Advonce Credit Line 52,700.00 Cash Advance Credit line Available $85.00 You may be able to avoid Interest Charges, see Additional Important Information for details. ""'••""`'" """°' Anniversary Month August Opening Cashback Bonus Balance $ 29.85 New Cashback Bonus This Period + 0.33 Cashback bonus Balance $ 30.18 To learn more, login of wwW.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Daeovercom 2. Call 1-800-DISCOVER (1-800.3 4 7-2 68 31. Please hove your Discover®card available 3. Write ro us of Discover, PO Box 30943, Sah Lake City, UT 84130 (Not a payment address) For payments, please send ro address on remilfance or Discover, PO Box 6103, Card Stream, IL 60i 97-6103 for TDD (Telecommunications Device For the Deaf} assistance, please coil 1-800.347-7449. ember 25, 2010 aaae 1 of 3 Payment Infornwtion New Balance $9,314.96 Minimum Paymer~ Due $187,00 Payment Due Date December 20, 2010 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay o late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.2496 variable. Minirwm Ptsymenf Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: you.lridlt~x41~ You`:?x1k pay off Ahd you wil:eir~f; ltltliAGl>rYtt~tgps ht>t balance shown up paytrtigati fjrw~ tads Coktlpt-S1 on this statement estimiried fiotal of ... ~~. thGll;lgUt Only the minimum 27 years $27 997 payment $333 3 years 11'996 Savings = $16,001 ~ If you would like information about credit counseling services, call 1-800347.1121 Manage Yow~ Account Online at www.Discovsr.com Access free online tools like Paydown Planner to create a plan to poy down your baloncs, securely access statements, pay bills ordine and easily track all transactions Make your money worth mores-Find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Irons. Posf Date Dole Payments and C.reditr Nov b Nov 6 INTERNET PAYMENT THANK YOU $ -75.00 Nov 19 Nov 19 PAYMENT THANK YOU -200,00 Travel/Entertainment Oct 24 Oct 26 ALOFT BWI WASHINGTON DC $ 134.47 Fps TOTAL FEES FOR THIS PERIOD $ 0,00 Interest t3rarged INTEREST CHARGE ON PURCHASES $ 138.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~VER DISCOVER r--- New Balance j Minimum Payment Due 59,246.91 I 5185.00 `-- --- Payment Due Date January 20, 2011 25 SDSN6A02 0027416 JERRY L HDPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Enclosed Below $~ Pay online at www.Discovar.com or make check payable to Dlseover Phone and interrrof paymerrts must be made by S:OOpm ET for same day posting. Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Illsssllsrr~rlrlrlrlrsrllrl CHARLOTTE NC 28272-1084 Address, e-mail ortebphonechangeZ ~u~r~~n~ur~r~)nr~n~~(m(~~)ni)u(u~uOn(u~u(r)n(( Go to www.Discavercom or print change in space above. 000007r986458320542844092469100200000018500 Date: IVOVember 16, LUIU - Qosfng Dale: ~ Discover Open Road Card Account Account number ending in 6432 Previous Balance $9,314.96 Payments And Credits 200.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 131.95 iFees Charged + 0.00 New Balonce -- - -- -----~ X246.91 See Interost Charge Cakulation section folbwing ~, transactions for detailed APR information Credit Line $9,400.00 Credit line Avciia6le $153.00 Cash Advance Credit Line $2,700.00 Cash Advance Credit Line Available $153.00 You may be ebb to avoid Interest Charges, see Additional Important Information for details. vVJnW\.R uVr1Vi Anniversary Month August Opening Cashback Bonus Balonce $ 30.18 New Cashback Bonus This Period + 0,00 Cashback bonus Balarscs i $ 30.t8 To learn more, log in al www.Dixover.wm txsmller 25, 2010 page 1 of 2 Payment Information New Balance $9,246.91 Minimum Payment Due $185.00 Payment Due Date January 20, 201 1 tale Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up fo the Penahy APR of 22.24% variable. Misinum Payment Wamirrg: IF you make only the minimum payment each period, you will pay more in interest and it will take you kngsr to pay off your balance. for example: yr3v`ttsnkrteti;' You wih pux off And:you v,+iff e{td: ` 1t1oAa1 z'4s lxrionce shown up pay/t1~j an' sing tbls cars#;pnd on.lhia atadRm„srd tripk9d.trNal pE h fnvnthj@plV pay. ; in:abaut. Only the minimum 27 years $27,766 payment $331 3 years 11.908 Savings = $15,858 ) if you would like information about credit counseling services, call 1-800-347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Diswver.com 1 Access your account securely of www.Dacover.com 2. Call 1-800-DISCOVER (1-800-347-2683). Please have your Discover®card available. Access Iree online fools like Paydown Planner to create a plan to down your balance securely access statements, pay bills online and easil track all tr ti 3. Write to us aF Discover, PO Box 30943, Sah Loke City, UT 84130 (Not a payment address) y ansac ons Make your money worth moreSM-find easy ways to earn For payments, please send to address on remiRance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60 1 97-6 1 03 NEWT Access your account securely through your For TDD (Telecommunications Device For the Deaf) mobib phone assistance, please call 1-800347.7449. Transactions Trans. Post Dale Date Poymsrrts and Credits Dec 16 Dec 16 PAYMENT THANK YOU $ -200.00 Fees TOTAL FEES FOR Tf115 PERIOD $ p,00 Interost Charged INTEREST CHARGE ON PURCHASES S 131.95 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS p.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~yER DISCOVER r-- New Balance Minimum Payment Due $9,297.86 I S 186.00 Payment Due Dale February 20, 2011 ze sosNSnoz ooz~a» JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Encbsed Below r- Pay online at www.Discover.com or make check payable to Discover Phone and interact yments~must be made by S:OOpm ET for same ay po g. Texl APP to DiSCOV' to receive a link to our free nabile app and pay your bill in seconds from anywhere! PO BOX 71084 {{{nr{Ir~nlr{r{r{m{{r{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change;' I I Ilnlur~JlminliluJ{Ilurlnlniullniulnlriull Go ro www.IHscovercom or print change in space above. rr r OOOD019864583205428440929786002D0000018600 1late; uscembsr16, "1010 - C]osing Dais: k Discover Open Road Card Account Account number ending in 6432 Provious Balance $9,246.91 Payments And Credih 200.00 Purchases + 113.66 Balance Transfers + 0.00 Cash Advances + 0.00 Interost Charged + 137.29 Fees Charged + 0.00 New Baance. --- - - -- - X297.86 See Interest Charge Calculation section folbwing ransadions for detailed APR information Credit Line $q,400.00 Credit Line Available 31 p2,00 Cash Advance Credit Line $2,700,00 Cash Advance Credit Line Available $102.00 You may be able ro avoid Interest Charges, see Additional Important Information for details. v~uuw~n wrrva Anniversary Month August Opening Cashback Bonus Balance $ 30.18 New Cashback Bonus This Period + 0,2g Cashback bonus Balance ---- $ 30.46 To born more, log in orwww.Distovetcom nuary 25, 2011 page 1 of 2 Payment Information New Balance 59,297.86 Minimum Payment Duo $186.00 Payment Due Date February 20, 2011 Lahr Payswrf Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late Eee of up to $35.00 and your purchase and balance hansfer APRs For new transactions may be increased up to the Penaky APR of 22.24% variable. Minirwm Poytrrent Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you bnger ro pay oFF your balance. For example: fylDAY'ItttJfglr~tA; Youw~pr~ya# litf4l~lr+d giftf the balance shtfwn vp prayln~~pp;; ;!~1! Ql~ ~ .can this stalnm ~, Only the minimum payment 27 years $27.935 $333 3 years 11.9 Savings = $15,961 ~ If you would like information about credit counseling services, call 1-800.347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Dis~ver.txnl 1 Access your account securely at www.Dircover.com 2. Cali 1-800-DISCOVER (1-80Q347-2683). Please have your Discover®card available Access Gee online tools like Paydown Planner to create o plan to pay down your balance, securely access statemenh, pay b . 3. Write to us at Discover, PO Box 30943 ills online and easily frock all transactions , Sale lake City, UT 84130 (Not a payment address Make your money worth moral-find easy ways ro earn For payments, please send to address on rsmiMance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, 1L 60197 103 NEWT Access your account securely through your For TDD (telecommunications Device for the Deaf) assistance, please call 1.800.347-7449. mobile phone Transactions *s. P~ Payments and Ciedih Jan 20 Jan 20 PAYMENT THANK YOU $ -200.00 merchandise Dec 29 Dec 29 BATH860DY CAMP HILL PA $ 62.71 Dec 29 Dec 29 AEROPOSTALE #337 CAMP HILL PA 50.95 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 btsrest Charged INTEREST CHARGE ON PURCHASES $ 137.29 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISCOVER New Baance Minimum Payment Dw s9,1s3.9o ! 5184.00 Payment Due Dote March 20, 201 i 25 SDSN8A02 0027418 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Enclosed Bebw Pay online at www.Dixover.com or make check payabb ro Dtxovsr Phone and intemet payments must be made by S:OOpm ET far same day posting. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seoortds from anywhere! PO BOX 71084 Illrrrllrnsrlrlrlrlrrrllrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 Irrlrllulnrlrllnrlirltlu~lll~inlnlulnllrilirlnlrln~l Go to www.Discover.com or print change in space above. 000001986458320542844091839000250000018400 Opening Dab: Jamuary 26, 2011 - Ciosing f)ale: February 25, 2011 Discover Open Road Card Account Su ',Account number ending in 6432 Previous Balance $9,297.86 Payments And Credits 250.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 136.04 New Balance $9.183.90 'I See (nterest Charge Calculotian section Fdlowing fransactions for detailed APR information Credit Line $q,400,00 Credit Line Available $216.00 Cash Advance Credit Line $2,700.00 Cash Advance Credit Line Available $216.00 You maybe able to avoid Interest Charges, see Additional Important Information For details. "'°••""•'~ ""••"' Anniversary Month August Opening Cashback Bonus Balance $ 30.46 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance _--- $ 30.46 To learn more, log in nt wW W.DIetoVer.tom page 1 of 2 Payment Information New Balance $9,183.90 Minimum Payment Due $184.00 Payment Due Date March 20, 2011 late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have ro pay a late Fee of up to $35.00 and your purchase and balance transfer APRs for new hansoctions may be increased up to the Penalty APR of 22.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay moro in interost and if will take you longer to pay off your balance. For exompb: yov rrsutrs r:: iitF wltf {gay ofF Aiif lk+u ~a`1i: ~ttd d-at ckKStget the baWnce shown up ~ttyt~ a~, thla caul and on tfus ~terrie,:Tt asttmated total a~ ': :.~ tA<dabui. Only the minimum 27 years $27,530 payment $329 3 years 11'827 Savings = $15,703 ) If you would like information about credit counseling services, call 1-800-347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.D'ucovsr.com Access free online tools like Paydown Planner to create a plan 2 Call 1.800-DISCOVER (1-800-347.2683). to down your balance securely access statements, pay Please have your Dixover®card available. biNs online and easily track ol- hansoctions 3. Write fo us at Discover PO Box 30943, Salt Lake City, UT 841 §0 (Not a payment address) Make your money worth morel-find easy ways to earn For paymenh, please send to address on remittance or and redeem cash rewards Dixover PO Box 6103, Carol Stream, fl 601 97-6 1 03 NEW! Aeeeu 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 Feb 17 Feb 17 PAYMENT THANK YOU $ -250.00 Fees TOTAL FEES FOR THIS PER1~ $ 0.00 fntasst Charged INTEREST CHARGE ON PURCHASES $ 136.04 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~VER DISCOVER ..-_ _ New Balance ~ Minimum Payment Due 59,16.24 ~ slea.oo Payment Due Date Apra 20, 2011 25 SDSN6A02 0027419 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 En(te~r Amount Enclosed Below $I Pay online at www.Discover.com or make check payable to Discover. Phone and irrternst payments must be made by S:OOpm ET For same day posting. Text APP to DISCOW to receive a link to our tree mobile app and pey your bill in seconds from anywhere! PO BOX 71084 {{lurllrunlrlrlrlur{Irl CHARLOTTE NC 28272-1D84 Address, e-mail or febphone changeZ {n{rl{nlnr{r{{ur{a{i{nr{{{{nr{n{u{u{In{rr{n{r{u{{ Go to www.Dfscover.com or print change in space above. D00001986458320542844091762400200000018400 Vale; reDruary wr w r r - wasrng wre: mui 'Discover Open Road Card Account Account number ending in 6432 Previous Balance S9 183.90 Payments And Credits 233.98 Purchases + t 04.25 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 122.07 New Balance 9 17b.24 See Interest Charge Cotculation section following fransactions for detailed APR information Credit line 59,400.00 Credit tine Available $223:00 Cash Advance Credit Line 52,700.00 Cash Advance Credit Line Available $223.00 You may be able to avoid Interest Charges, sae Additional Important Information for details. Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month August S 30.46 + 0.17 Cashback bonus Balance To learn more, log in of wwW.Discovar.com $ 30.63 •cn zo, tat t Page 1 of 2 Payment Information New Balance $917x.24 Minimum Payment Due 5184.00 Payment.Dus Dale April 20, 2011 Late PaymarM Warning: If we do not receive your minimum paymenF by Are date listed above, you may have to pay a late fee of up b 635.00 and your purchase and balance transfer APRs Gar new tmnsadions may be increased up to the Penahy APR of 22.24% variable. Minimum PaymaM Warning: IF you make only the minimum payment each period, you will pay moro in interest and it will take you kxrgsr b pay off your balance. For example: ~~+ Qµw~ off Atrctw3fl~td: ': :. a~alOnce'ffa~tr3 tif-~iQyfng Cf ~,~ mtfr~. ~ahd fatal ~f > fn.'........ ~ > .~.„~'` Only the minimum Y7 years $27,540 PaYm~ $328 3 years 11'817 Savings = $15,723 ) If you would like information about credit counseling services, call 1-800.347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.piscover.oom 1 Aecess your account securely at www.Diseover.com Access tree online tools like Paydown Planner to create o plan 2. Call 1-800-DISCOVER (1.800.347-2683. to pay down your balance, securoly access statements, pay Please have your Discover®card availab e. bills online and easily truck o11 transactions 3. Write to us at Discover, PO Box 30943, - Sak Lake City, UT 84130 (Not a payment address) Make your money worth more~"i-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 8103, Cord Stream, Il 60197-6103 NEWt Access your account securely through your For TDD (telecommunications Device for the Deaf) mobile phone assistance, please call 1-804347-7449. Transactions Trans, Dab Payrants and Credits Mar 17 Mar 18 P~ Mar 17 PAYMENT THANK YOU Mor 20 TARGET MECHANICSBURGPA $ -200.00 -33.98 Merchandise Mar 10 Mar 10 TARGET MECHANICSBURGPA S 104.25 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest tlrargsd INTEREST CHARGE ON PURCHASES S 122.07 NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC VER DISCOVER New Balance Minimum Payment Dus 59,127.03 ~ $183.00 `Payment Due Date May 20, 2011 25 SDSN6A02 0027420 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Encbsed Bebw Pay online of www.Dixover.com or make check payable ro Dixover Phone and interrrot poymenh must be made by S:oOpm ET For soma day posting. Text APP to DISCOV' to receive a link to our free mobile app and pay your hill in seconds from anywhere! PO SOX 71084 Illrrsllrr~srlrl~l~lrrrllrl CHARLDTTE NC 28272-1084 Address, e-mail or teksphone changei; ~nlt~~n~udt~~udu~r~ni~~l~m~u~u~n~ln~u~~~~ilnl~ Go to www.Discovareom or print change in spore above. ^00001986458320542844091270300184000018300 vpentng uale: march zo, zu I f - cbsing Dale: April Discover Open Road Card Account Summa Account number ending in 6432 Previous Balance 69,176.24 Paymenh And Credih 184.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 134.79 Naw Balance --- 9 127.03 ',See Interest Charge Calculation section Following iransoctions for detailed APR information Credit Line 69,400.00 Credit Line Available 6272.00 Cash Advance Credit Line 62,700.00 Cosh Advance Credit Line Available 6272.00 You may be able ro avoid Interest Charges, see Additional Important Information For details. `'"'~Oi'~~R WrrY~ Anniversary Month August Opening Cashback Bonus Balance 6 30.63 New Cashback Bonus This Period + 0,00 ca~,ba~k Ba~;~~ eafar;~~--- - $ 3oss To learn more, log in al www.Dlscovencom 3 Easy Ways to Contact Us Manage Your Account Online at www.Disoover.com 1 Access your account securely at www.Dircovsr.com 2. Call 1-800-DISCOVER (1-804347.2683). Please hove your Discover®card available access free online tools like Paydown Planner ro create a plan to pay down your balance, securely access statements, pay b l . 3. Write to us at Discover PO Box 30943 i ls online and easily track all transactions , , Salt Lake Cify, UT 84130 (Not a payment address _ Make your money worth moreSM-find cosy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover PO Box 6103, Carol Stream, IL 60 1 97-6 1 03 NEWT Access your account securely through your For TDD (Telecommunications Device for the DeaFj mobile phone assistance, please toll 1-804347-7449. ransactions Trans. Post Dots DaN Payments and Gedits Apr 20 Apr 20 PAYMENT THANK YOU 6 f 84.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Inured Cl+ar'gsd INTEREST CHARGE ON PURCHASES $ 134.79 INTEREST CHARGE ON CASH ADVANCES p.p0 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 25, 2011 page 1 of 2 Payment (nFormation New Balance $9.127.03 Minimum Payment Due $183.00 Payment Dw Dote May 20, 2011 Lets Payment Waning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up ro 235.00 and your purchase and balance transfer APRs for new iransadions may be increased up fo the Penalty APR of 22.24% variable. Meinwn Payment Waning: If you make only the minimum payment each period, you will pay more in interest and it will take you bngsr ro pay off your balance. For example: YO~'; Yt:4iy fsvy~f ,t~ ~rglf k~ ~t1>~: tllebabncesl~vd upf~}t~; ~<~ltrifk~+11~ ~rfh~satoler[isnf ' aled~lOlalef . , . .. ~.!.,., iRL~t4dtlt :............. Only the minimum 27 years $27,360 payment $326 3 years 11,754 Sevin = 615,606 If you would Nke information about credit counseling services, call 1.804347-1 1 2 1 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC VER DISCOVER ------ New Balance ! Minimum Payment Dus 59,262.24 ~ 5369.00 ~------- Payment Due Date June 20, 2011 25 SDSNfiA02 0027421 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Enclosed Below Please make check payable ro Dixover Card. Minimum ymerd due includes a post due amount of s 183.00. Phone and intemet payments must be made by S:OOpm ET for same day stin . pTeoxt A~P to DISCOV* to receive a Unk to our free mobile app and pay your lip in seconds from anywhere! PO BOX 71D84 Il~r'rlitlrrsr~rlrlrlrrrl~rl CHARLOTTE NC 28272-1084 Address,e-mail or telephonechangeT I I Ilnlnrlrllnrllr r urlllllnlrrlrrl I~rrlrrlnlrln~l Go to www.Diseover.com or print change in spots above. rr r I I ODDD01986458320542844092822400000000036900 Opening Data: April 26, 2011 - Cbsing Date: May 2~ Discover Open Road Card Account Summa Account number ending in 6432 Provious Balance 69.127.03 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 fees Charged + 25.00 Interest Charged - + 130.21 Nsw Balance -- ~q282.24 Sea Interest Charge Calculation section following transactions for detailed APR information Credit Line 59,400.00 Credit Line Available 6T17:00 Cash Advance Credit Line 52,700.00 Cash Advance Credit Line Available 61 17.00 You maybe able to avoid Interest Charges, see AddNional Important Information for details. CCSI160CIC BOnuSe Anniversary Month August Opening Cashback Bonus Balance 6 30.63 New Cashback Bonus This Period + p.Op Cashback Bonus Balance 6 30.63 To learn more, bg in at www.Discover.eom 3 Easy Ways to Contact Us Manogs Your Acwunt Online at www.Discover.com 1 Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1.800.347-2683). Please have our Di ® d il b Acc~ ~ online tools like Paydown Planner to create a plan to pay down your balance securely access statements, pay y scover car ava a le 3. Write to us of Discover, PO Box 30943, bills online and easily hack all transactions - Salt Lake City, UT 84130 (Not a payment address) Make your money worth morel-find easy ways to earn For payments, please send to address on remiHance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197.6103 NEWT Access your account securely through your For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800347-7449. mobile phone Transactions T~s. P~ Fees May 20 May 20 LATE FEE TOTAL FEES FOR THIS PERIOD 25.00 25.00 rsterost Charged INTEREST CHARGE ON PURCHASES $ 130.21 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 , w r ~ page 1 Or L Payment Information New Balance 59,282.24 Minimum Paymsnf Due* 5369.00 Payment Dus Date June 20, 2011 *Ineludes post due amount of $183.00 lob PaymerM Wam'erg: IF we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to 635.00 and your purchase and baance transfer APRs for new honsactions maybe increased up to the Penaky APR of 22.24% variable. Minimum Parrnent Warning: If you make only the minimum poymenF each period, you will pay more in interest and it will take you kxlger to pay off your balance. for example: If you would Tike information about credit counseling services, call 1.800.347.1121 nns,t ~? >!~ fMz~>~a~d paY • YYv wlfl pay'~If tfre bukrr~e shown art lhiti:daterharrErA? irbout: ... At±d yav ~tN<en of palttit~tlii estimotedt~ctof Only fhs minimum payment 27 years 627,455 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D~SC~yER, DiSCC~VER New Baksnce Minimum Payment Due 58,946.11 ~ S 179.00 Payment Due Dote Jufy 20, 2011 25 SDSN6A02 0027422 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Enclosed Bebw ~~ Poy online at www.Dixover.com or make check payable to Dlxover Phone and iMemef payments must be mode by S:OOpm ET For same day posting. Text APP to DISCOV` to receive a link to our free monk: app and pay your till in seconds from anyruhere! PO BOX 71084 III..rllr."'1'1'1'1"'II'I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? {n{t{{alai{r{1nt{n{t{ru{{{{utln{nln{{n{ulnlt{tr{~ Go fo www.Discovsr.com or print change in space above. 000001986458320542844089461100269000017900 Opening Dais: AAay 26, 2011 - Cbtang Data: June 29 '~ Discover Open Road Card Account Summa Account number ending in 6432 Previous Balance $9,282.24 Payments And Credits 469.00 ,Purchases + 0.00 (Balance Transfers + 0.00 'Cosh Advances + 0.00 Fees Charged + 0,00 Inleras} Charged + 132.87 New Balance -x,946.11 See Interest Charge Colculation section following transactions for detailed APR information Credit Line $9,400.00 Credif Iirie Avail661e 3453.00 Cash Advance Credit Line $2,700.00 Cash Advance Credit Une Available $453.00 You may be able io avoid Interest Charges, see Additional Important Information for details. t,aSnaaCK FianUS" Anniversary Month August Opening Coshback Bonus Balance $ 30.63 New Cashb«k Bonus This Period + 0.00 Cnshback bonus b~ancs _ -~ $ 30.63 To learn more, log in at Www.Diseovar.mm 2011 page 1 of 2 Payment InFormat'lon New Balance $8,946.1 1 Minimum Payment Due $174.00 Payment Dus Date July 20, 2011 lale 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 fa $35.00 and your purchase and balance transfer APRs Far new hansodions may be increased up to the Penaky APR of 22.24`1h variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you kxtgsr to pay off your balance. For ezampb: F ylrft ` .;; tu, pay ' _ . '~Vt ~ f3abnce shasvrs iippr~txirt,0c>tt;. t tq(ttd or thu ~ ~ttldte~ ~ Only the minimum PaY"'«'t 26 years $26,728 $320 3 years 11'521 Savi s = S 15,207 1F you would like information about credit counseling services, call 1-800.347.1121 3 Easy Ways to Contact Us Monag~ Your Account Online at www.Discovsr.com 1 Access your account securely at www.Discover.com Access kee online tools like Ptrydown Planner to create a pbn 2. Call 1-800•DISCOVER (1-80Q347-2683). to ~ down your balance, securely access statements, pay Please have your Discover®card available. bit s online and easily hack all transactions 3. Write to us at Dixover, PO Box 30443, - - Sah lake City, UT 84130 (Not a payment address) Make your money worth morel-find easy ways io cam For payments, please send to address on remittance or and redesrn cash rewards Dixover, PO Box 6103, Carol Stream, tl 601 97-6 1 03 NEWT Access your account securely through your For TDD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800-347.7449. Transactions Trans. Post Dab Dale Payments and Crodits May 27 May 27 PAYMENT THANK YOU $ -200.Q0 tun 17 Jun 17 PAYMENT THANK YOU -269.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 bbrost Charged INTEREST CHARGE ON PURCHASES $ 132.87 INTEREST CHARGE ON CASH ADVANCES 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS ~ E~ DISCOVER New Balance Minimum Payment s9,zn.22 ~ .oo Payment Due Date August 20, 2011 25 SDSN6A02 0027423 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 2011 PO BOX 7 1 084 Il~rrr~~rrrrr~r~rlr~rrr~~r~ CHARLOTTE NC 28272-1084 Address, email ortebphone change? ~ I ~~n~nr~r~lnrlu r nr~~~~nr~ulrr n~~u~n~n~r~n~l Go to www.Discover.com or print change in spore above. u ~ OD0001986458320542844092722200200000018600 uats:.lune lb, ZU I 1 - Gotang Date: July 25 Discover Open Road Card Account Account number ending in 6432 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances fees Charged Interest Charged New Balance $8,946.11 200.00 + 394.18 + 0.00 + 0.00 + 0.00 + 131.93 9,272.22 See Interest Charge Cakubfion section fopowing transactions for detailed APR information Credit Line 69,400.00 Credit Line Avaibble 6127.00 Cosh Advance Credit Line 62,700.00 Cash Advance Credit Line Available $127.00 You may be able to avoid Interest Charges, see Additional Important Information For details. """"""° """°' Anniversary Month August Opening Cashback Bonus Balance $ 30.63 New Cashback Bonus This Period t 0.98 Coshbadc Bonus Balance -_- -- S 31.61 To learn more, log in at www.Diswver.com Account Number ending in 6432 Enter Amount Enclosed Bebw Pay online at www.Discowr.com or make check payable fo Discover Phone and iMerneF payments must be mode by S:OOpm ET for soma day posting. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! oaae 1 of 2 Payment Infiormat'wn New 8akance $9,272.22 Minimum Payment Due $186.00 Payment Dw Date August 20, 2011 late Paynwnf Wamirg: If we do not receive your minimum payment by Mre date listed above, you may have to pay a late fee of up fo $35.00 and your purchase and balance transfer APRs for new transactions may be increased up ro the Penally APR of 22.24'X, variable. Minirwrn Payment Wamirg: If you make only the minimum payment each period, you will pay more in interest and it will take you bnger to pay off your balance. For example: jtYitt,.; ; ..`':: You ~}>~ otf ,~tel $Xttt wflt~ttl 4~ balance ~1tbNR! u~r1~gR: ~i1k3R~11L'4rSf ~ tR~t~,42t +, .. ... .~'~..~ .'. . lh.a.:. ;. ... Only 1hs minimum 27 years $27,869 payment $332 3 years 11'9 1 Savings = $15,928 ) If you would like information about credit counseling services, call 1-800.347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Discover.com 2 Call 1.800.DISCOVER (1-800.347-2683). Please hove your Discover®card avail Access free online toils like Poydown Planner to create o plan to pay down your bolarrce securely access statements, pay bills online and easil tra k ll t ti 3 Wriie tons at Discover PO$ox 30943, - Sak Lake City, UT 84130 (Not a payment address) y c a ransac ons Make your money worth morel-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover. PO Box 6103, Carol Sheam, Il 60197-G 103 NEWT Access your account securely through your For TDD (Telecommunications Device for fhe Deaf) mobile phone assistance, please call 1-800.347-7449. Transactions Trans. Post Date Dale Payments and Crodits Jul 20 Jul 20 PAYMENT THANK YOU $ •200.00 Merchandise tun 30 Jun 30 BEACH DESIGNS CLOTHING N MYRTLE BEACSC S 394.18 ~eS TOTAL FEES FOR TENS PERIOD $ 0.00 Interost Charged INTEREST CHARGE ON PURCHASES $ 131.93 INTEREST CHARGE ON CASH ADVANCES 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'S~.\/~~ DISCOVER New Balance Minimum Payment Due $4,208.14 S165.00 Payment Due Date September 20, 2011 25 SDSN6A02 0027424 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 '5, 201 i PO BOX 71084 111"'ll"trrlrlslrlrrrllrl CHARLOTTE NC 28272-1D84 Address, e-mail or telephone changaZ lulrllulnrlrllnrln~rlm{Il~ur~nlnln~~ulrrlnlr~rr~l Go to www.Discovercom or print change in space above. D0000198645832D54284409208190020000DD18500 1)oro: July to, lu t t - t,aostng use: wugusr . `Discover Open Road Card Account Account number ending in 6432 Previous Balance $9,272.22 Payments And Credits 200.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 135.97 - tJew Balance -208.19 -- See Interest Charge Calculation section foAowing transactions for detailed APR information Credit Line $9,400.00 Credit Line Available $ T91.W Cash Advance Credit Line $2,700.00 Cash Advance Credit Line Available $191.00 You may be able fo ovoid Interest Charges, see Additional Important InFormotion for details. Cas ck Bonus® Anniversary Month August Opening Cashback Bonus Balance S 31.61 New Cashback Bonus This Period + 0.00 Cashbook bonus Balance ~ _ $ 31.61 To learn more, log in ar www.Discovar.com Account Number ending in 6432 Enter Amount Enclosed Bebw ~- Pay online at www.Dixover.com or make check payoble to Drxover Phone and intemst paymenh must be mode by S:OOpm ET For some day posFing. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! _.._ page 1 of 2 Payment Information New Balance 59,248.19 Minimum Payment Due $185.OU Payment Dus Date September 20, 2011 lab Payment blaming: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22.24"ffi variable. Minimum Paymerd blaming: IF you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay oFF your balance. For example: f~aatdt~la Yon wry pq~off ~' wi '+httd 1f e~rCrfance'shdwn Vp ~f7~(Ir~}Ckt; ~ ~ a ~t M:tfNS EtF]teRlOnt ~atfmatt~llo3~il a£. .. ;... ~. ply. , iA uIaQSF3. . . Only the minimum 27 years $27,638 payment 5329 3 years 11,858 Savings = $15,780 ) IF you would like information al»ut credit counseling services, call 1-800-347.112 t 3 Easy Ways to Contact Us Mancgs Your Account Online at www.Discovtx.cotn 1 Access your account securely at www.Discover.com Access Free online cools like Poydown Planner to create a plan 2 Call 1-800-DISCOVER (1-600.347.2683. ® il Pl h D d b to dawn your balance, securely access statements, pay ixovar car ava a ease ave your a. biNs online and easily track aft transactions 3 Write to us at Discover, PO Box 30943, Sak Lake Cily, UT 84130 Not a payment address) - - Maka your money worth morel-find easy ways to eam For payments, please send ro address on remittance or and redeem cash rewards Discover. PO Box 8103, Corot Stream, ti 801 97-8 1 03 NEWT Access your account securely through your For TDD (telecommunications Device for the Deaf) mobile phone assistance, please toll 1-800.347-7449. Transactions Trans. Post Dab Dab Payments and Credits Aug 18 Aug 18 PAYMENT THANK YOU $ -200.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES S 135.97 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC~VEI~ DISCOVER New Balance ~ Minimum Payment Due $9,378.965376.00 Payment Due Date October 20, 2011 25 SDSN6A02 0027425 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Encbsed Bebw ~~ Please make check payable ro Discover Card. Minimum ymeM dw includes a past due amount of S 185.00. Phone and internet payments must bs made by S:OOpm ET for same sti pfext A~P to DISCOV' to rt:ceive a link to our free mobile app and pay your biN in seconds from anywherel PO BOX 71084 ~~~"'~I"rrr~rlr~rlsrr~lrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 ~n~r~~u~ur~r~~ui~n~r~nr~~~~m~n~u~n~~u~n~n~r~u~~ Go to www.Discovar.com or print change in space above. 00000198645832054284409378960000DOD0037600 ~pentng vote: august to, ~u t t - wostng vote: aspte 'Discover Open Road Card Account Summa Account number ending in 6432 Previous Balance $9,208.19 Payments And Credits ( 0.00 Purchases + O.QO Balance Transfers + 0.00 Cosh Advances + 0.00 Fees Charged + 35.00 Interest Charged + 135.77 New Balance----~-"J" -^~ 9,378.96 See 4n#erest Charge Calculation section folbwing hansactions for detailed APR information Credit Line $9,400.00 Credit line Available "$21:00" Cash Advance Credit Line $2,700.00 Cash Advance Credit Line Available $21.00 i You may be able to avoid Interest Charges, see Additional 'Important Information for details. sasntoactc oonus Anniversary Month August Opening Cashback Bonus Balance $ 31 .b 1 New Cashback Bonus This Period + 0:00 Coshbadc Bonus Balance - ~-----$ ~ 31.61 To learn more, log in a1 wvrw.Dixovar.COm mbar 25, 2011 page 1 of 2 Payment Information New Balance $9,378.96 Minimum Payment Due` $37b.00 Payment Dw Date October 20, 2011 `Includes past due amount of $185.00 Leib Payment warnirrg: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up fo =35.00 and your purchase and balance transfer APRs for new hansactions may be increased up to the Penahy APR of 22"24'96 wriable. MinirNrrn Paryntent Warning: If you make only the minimum payment oath period, you wiA pay more in interest and it will take you longer to pay off your balance. For example: :. ., ., 1~; YQa wii{ pay 411the At+I}~e+tr ~,,,,,~ aflCtv+llztdz .~'t~Y tA~.'srtw,..•Clklrll ,is atdtditlirf u1 se~fntal~~ Only the minimum 27 years 527,759 payment IF you would like inFormation about credit counseling services, call 1-800-347.1121 3 Easy Ways to Contact Us Manage Yair Account Online at www.Discover.com 1 Access your account securely at www.Daeovercom Access free online tools like Paydown Planner fo create a plan 2. Call 1-800•DySCOVER (1-800-347-2683). Pl h ® d Di il to pay down your b~lance, securoly access statements, pay ease ave our scover car s ava bills online and easi Mack all transactions 3. Write to us at Discover, PO Box 30943, - Soh lake City, UT 84130 (Not a payment address -- Make your money worth mores-find easy ways to earn For payments, please send to addross on remiHance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197 103 NEWT Acceu your account securely through your For TDD {telecommunications Device Eor the Deaf1 mobile phone assistance, please call 1-800347-7449. Transccfions Trans. Post Dote Date Fees Sep 20 Sep 20 LATE FEE $ 35.00 TOTAL FEES FOR THIS P~IOD 33.00 Interost Charged INTEREST CHARGE ON PURCHASES $ 135.77 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCrVER DISCOVER New Balance ~ Minimum Payment Due $9,547.77 ~ $567.00 ' Payment Dus Dafe Nowmber 20, 2011 25 SDSN6A02 0027426 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Enclosed Below ~- Please make check payabb to Dixover Card. Minimum yment due includes a past due amount of 6376.00. Phone and irrtemet ants must be made by S:OOpm ET for same stin text A~P to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71D84 Illr~~llr~r~rl~lrlrl~~rllrl CHARLOTTE NC 28272-1084 Address,e•mailortelephonechange$ lnlrllnlnrlrllnrlnl~lurllllnrlulnlnlln(uinirlrrl( Go to www.Discowncom or print change in space above. 000001986458320542844095477700000000056700 Opening Date: September 26, 2011 -dosing Dote; OC-~--'~ '^" Discover Open Road Card Account Account number ending in 6432 Previous Balance 59,378.96 Payments And Credits p,Op Purchases + 0.00 Bolance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 133.81 __ New Balance ~ 9,547.77 See Interest Charge Calculation section foAowing fransactions for detailed APR information I Credit Line 59,400,00 Credit Lirie Available ~ 50.00 Cosh Advance Credit Line 52,700.00 Cash Advance Credit Line Available x0.00 You maybe able to avoid Interest Charges, see Additional Important Information for details. """" """""'°' Anniversary Month August Opening Cashbock Bonus Balance 5 31.61 New Cashback Bonus This Period + 0.00 Coshback Bonus $elance~-- 5 31.61 To learn more, log in m www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Diseovw.com 2. Call 1-800-DISCOVER (1-800.347-26831, Please have our Di ® d i Access (ree online tools like Paydown Planner to create a plan to pay down your balance, securely occess statements, poy y scover car ava 3. Write to us at Discover PO Box 30943 bills online and easily track all fransadions , , Sak lake City, UT 84130 (Not a payment address) Make your money worth morel-find cosy ways to earn For payments, please send to address on remittance or and redeem cash rewords Discover PO Box 6103, Carol Sheam, IL 60197.6103 NEWT Aeesss your account securely through your For TDD (felecommunicotions Device For the Deaf) mobile phono assistance, please call 1-800.347-7449, Transactions Trans. Post Date Dab Foes Oct 20 Oct 20 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 b'~n O'o~ INTEREST CHARGE ON PURCHASES 5 133.81 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 r...*o. ~.., ~.,. r page t or t Payment Information New Balance 59,547.77 Minimum Payment Due* 5567.00 Payment Due Date November 20, 2011 *Includes post due amount of 5376.00 Lab Payment WeminB: If we do not receive your minimum payment by the date listed above, you may have to pay a bte Fee of up to 535.00 and your purchase and balance hansfer APRs For new hansadions maybe increased up to the Penahy APR of 22.24°6 variabb. Mirinun Payerw>t WomirB: If you make only the minimum payment each period, you will pay more in interest and it will take you kmger to pay off your balance. For example: # Yo"v witf pay ~#r+t 1~ct yt>st,~,lF;eaa <: bofonce ahog4i oil '~ qt1 rlg~r€~trtcpt~lpj}S! .thusstatamer>f;in estlr+at~#?dlt~ ... ~' ...,.: ~''y. , abouf Only Ihs minimum 27 years 527,886 PaY^r~ IF you would like informotion about credit counseling services, call 1-800-347.1121 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISCOVER New Balance Minimum Payment Due 59,723.55 I $763.00_ Payment Due Date December 20, 2011 25 SDSlV6A02 0027427 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Encbsed $elow r_ Please make check payable to Discover Card. Minimum yyment due includes a post due amount of~567.00. phone and internal paymenh must be made by S:OOpm ET For same day sNn . fixt A~P to DISCOV' to receive a Nnk to our free molHle app and pay your bill in seconds from anywhere! PO BOX 71084 III,,,II,,,,,1,1,1,1,,,11,1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change4 ~nlrllnlun~n~lurlnlrlml~~lnr~nlnlnllnlnlnirlnll Go to www.Discover.com or print change in space above. 00000198645832054284409723550DOD0000076300 Opening Date. October 26, 2011 -Closing Date: November 25, 2011 Discover Open Road Card Account Account number ending in 6432 Previous Balance 69,547.77 Payments And Credifs 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0,00 Fees Charged + 35.00 Interest Charged + 140.78 New a6 once _ 9,723.55 See Interest Charge Calculation section blowing transactions far detailed APR information Credit Line 69,400.00 C~edif Line Available 60.00 Cash Advance Credit Line 62,700.00 Cash Advance Credit Line Available 60.00 You may be able to avoid Interest Charges, see Additional important Information For details. """"'^"~ """"' Anniversary Month August Opening Cashback Bonus Balance 6 31.61 New Cashback Bonus This Period + p.00 Redeemed This Period 31.61 Cashback Bonus Balance ~ 6 0.00 To learn more, tog in a~ www.Disoover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discever.com 2. CaEI 1-800•DISCOVER (1.800-347-2683). Please hove your Discoverer card cvai-ab . 3, Write to us at Discover, PO Box 30943, SaN lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 601 97-6 1 03 For TDD (Telecommunications Device for the DeaEt 7please call 1-800-347-7449. , v, ~ Payment Information New Babnee 59,723.55 Minimum Payment Due" 6763.00 Payment Due Date December 20, 2011 *Includes past due amount of 6567.00 LaN Palrrswnf Wwning: If wo do not receive your minimum payment by the date listed above, you may have to pay a kite fee of up to 635.00 and your purchase and balance transFer APRs for new hansadions may be increased up To the Penahy APR of 22.24% variable. Minimum PaymerM Warning: lF you make only the minimum paymenF each period, you will pay moro in interest and it will take you bn8er to pay off your balance. For example: Only the minimum I 27 years I 628,009 If you would like information about credit counseling services, call 1-800.347.1121 Manage Your Account Oeline at www.Discover.eom Aeeess free online tools like Paydown Planner to create a plan to pay down your balance, securely access sto_temen}s, pay bills orilini cnd easily frock all transactions Make your money worth morel-find easy ways fo earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trana. Post Date Daro Fees Nov 20 Nov 20 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 35.00 interest Charged INTEREST CHARGE ON PURCHASES 6 140.78 INTEREST CHARGE ON CASH ADVANCES 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIc~•\/C~ DISC~JVER New Balance ! Minimum Payment Due 59,897.27 ~ 5961.00 ~_ Payment Due Date lasuary 20, 2012 25 SDSN6A02 0027428 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Address, email or tebphone change2 Go to www.Discover.eom or print change in space above. Account Number ending in 6432 Enter Amount Enclosed Bebw Please make check payable to Discover Cord. Minimum payment due ineiudes a past due amount of 1763.00. Phone and Internet poym~~eoontsnm~ust be made by S:OOpm ET (or same ~ Te QiA~~P to DiSCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Illrrrllrr~rrl~l~lrlrrrll~l CHARLOTTE NC 28272-1084 lulrllnlnr~rllnrlulrlnrllllurlulnln{lulnlnlrlull 00000198645832D5428440989727DOOOOD00096100 vane: novemoer to, w t t - ~.wsmg vats: ~ Discover Open Road Card Account Account number ending in 6432 Previous Balance 59,723.55 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 138.7 2 New Balance -~V _ 9,897.27 See Interest Charge Calculation section following transactions for detailed APR information Credit Line 59,400.00 Credit Line Available $0.00 Cash Advance Credit Line 52,700.00 Cash Advance Credit Line Available 50.00 You may be o61e to avoid Interest Charges, see Additional Important Information for details. ._... pag• 1 of 2 tcember 25, 2011 Payment InFormation New Balance 59,897.27 Minimum Payment Due* 5961.00 Payment Dus Date January 20, 2012 *Inckrdes past due amount of 5763.00 Lab Payment Warnirg: IF we do not receive your minimum payment by the date listed above, you may have to pay a k>te fee of up to 535.00 and your purchase and balance hansFer APRs for new hansacfions may be increased up to the Penalty APR of 22.24% variable. Minirwsrn Payrnerrt Wamirg: If you make only the minimum payment each period, you will pay more in interost and it will fake you karger to pay off your balance. For exampb: Only the minimum ' 27 years I 528,135 If you would like information about credit counseling services, call 1-8043471121 COS Clt: BOnUS° Anniversary Month August Opening Coshback Bonus Balance S 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance _'_` 5 0.00 To learn more, log in at www.Discover.wm 3 Easy Ways to Contort Us Manage Your Account Online at www.Discovr.com 1 Access your account securely at www.Discovereom Access free online fads like Poydown Planner to create a plan 2. Call 1-804DISCOVER (1-800.347.2683 , Please have your Discover®card avai to pay down your balance, securely access staremerrts, pay bi s online and easily hack aff transactions 3. Write to us at Discover, PO Box 30943, - - SaN Lake City, UT 84130 (Not a payment address) Make year money worth morel-find easy ways to earn For payments, please send to address on remittance or ~ redeem cash rewards Discover PO Box 6103, Carol SFream, IL b0197-6103 NEWI Aasss your account securely through your For TDD (Telecommunications Device For the Deaf) mobile phone assistance, please call 1-804347-7449, Transactions Fees Trans. Post Date Dab Dec 20 Dec 20 IATE FEE 35.00 TOTAL FEES FOR THIS P~IOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES S 138.72 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE fOR IMPORTANT INFORMATION DISCOVER' DISCOVER ~._-. New Balance ~ Mtmmum PaymenF Dus 510,078.21 51,163.00 i_ _.. - Poyment Due Dab February 20, 2012 25 SDSN6A02 0027429 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Addross, e-mail or telephone change$ Go to www.Discover.com or print change in space above. Account Number ending in 6432 Enter Amount Enclosed Below $~ Phase make check payable to Discover Card. Minimum payment due includes a post due amount of 2961.00. Phone and internst ~ymen~ must be made by S:OOpm ET for some y pTeoxt A~P to DISCOV' to receive a link to our free mobile app and pay your trill in seconds from anywheret PO BOX 71084 ~~~ur~~nrrrlr~r~r~ur~61 CHARLOTTE NC 28272-1084 ~u~r~~n~nr~r~~nt~n~r~ur~~~~m~n~n~n~~n~n~n~r~n~~ 000001986458320542844100782100000000116300 Opening Dab: December 26, 2011 - Cbsing DaFe: Jar••-.'~ '^'" ~ Discover Open Road Card Account Account number ending in 6432 Previous Balance $9,897.27 Payments And Credits O.pp Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 145.94 __ New Balance 10,078.21 See Interest Charge Calculation section following transactions for detailed APR information Credit Lina $9,400.00 ,Credit Line Available 50.00 Cosh Advance Credit Line 52,700.00 Cash Advance Credit Line Available 50.00 You may be able to avoid Interest Charges, see Additional Important Information for details. ""'• •""`'" '^'• •°' Anniversary Month August Opening Cashback Bonus Balance 5 0,00 New Coshback Bonus This Period + 0,00 Caslrback Bonus Balance To learn more, log in at www.Discovor.com 0.00 .,..,r ~ ~~, ~., r ~ page t ~ Payment 1nFormation New Balance $10,078.21 Minimum Payment Due' $1,163.00 Payment Due Dote February 20, 2012 'Includes past due amount of $961.00 Lab Poynrenf blaming: IF we do not receive your minimum payment by the date listed above, you may have to pay a lute fee of up to $35.00 and your purchase and balance transfer APRs for new tronsadions may be increased up fo the Penahy APR of 22.24°G variable. Mininwn Poyrrsenf blaming: If you make only the minimum payment each period, you will pay more in interest and if will take you kxger to pay off your balance. for example: If you would Tike information about credit counseling services, call 1-800.347.1121 tta `ftiti wrN pliy offtht J yore wt I enc) bckm~e afttn~ art ~ ~ ttfg9l~f#~~ec1 tg statement in ~Sttlnttt4d#<ifbl c+f Only 1M minimum 27 years $28,261 payment 3 Easy Ways to Contact Us N{anage Your Account Online at www.Discover.com 1 Access your account securely at www.Diseovercom 2 Call 1.800-DISCOVER (1-800.347.2683). Please have your Discover®card available Access (~ onlirro toils like Paydown Plarmer fo create a plan to down your balance, securely access statements, pay b l . 3. Write to us nt Discover PO Box 30943 i ls online and easily frock all hansactions , Salt Lake City, UT 84130 (Not a payment address) Make your money worth morel-find easy ways to cam For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197fi103 NEWT Access your account securely through your For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. mobile phone Transactions Trans. Post Dots Dab Foss Jan 20 Jan 20 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Inbrest Charged INTEREST CHARGE ON PURCHASES $ 145.94 INTEREST CHARGE ON CASH ADVANCES p,p0 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC~1/ER DISCOVER New Balance ~ Minimum Payment Due 510,261.82 i 51,369.00 Payment Due Date March 20, 2012 25 SDSN6A02 0027430 JERRY L HOPE 15 WEST CIR CAMP HILL PA 17011-1343 Account Number ending in 6432 Enter Amount Encbsed Below $I Pkwse make check payabb to Dixover Card. Minimum payrnant due includes o st due amount of ST,163.00. Phone ond~nternet cots must be made by S:OOpm ET for same stin f~ext A~P to DISCOV' to rer~ive a link to our from enbllywttersel and fey your bill in seconds PO BOX 71084 Illsrrllr~rrrlrlslrlrrrllrl CHARLOTTE NC 28272-1084 Address,e•mailortelephonechange2 ~nlillu~urlrllui~nlr(n~ll~~u~luiu~ul~uiuin~~~ni( Go to www.Discovarcom or print change in space above. 00000198645832D54284410261820000D00013690D uate: January 10, 2012 - Closing Data: Feb Discover Open Road Card Account 'Account number ending in 6432 Previous Balance $10,078.21 Payments And Credits p.Op Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 148.61 _ New Balarxe --- 10,261.82 See Interest Charge Cakulation section fdbwing transactions For detailed APR information Credit Line 59,400.00 Credtf Line Avoibble 50;00- Cash Advance Credit Line $2,700,00 Cash Advance Credit tine Available $0.00 'You may be able to avoid Interest Charges, sae Additional Important Information For details. ~+VJUW~,n VVIIYB Anniversary Month August Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0,00 Cashback bonus balance --- - -- $ - 0.00 To (corn more, 1O0 in atwww.Discover.wm vary 25, 2012 pays 1 of 2 Payment Information New Balance $10,261.82 Minimum Payment Due' $1,369.00 Payment Dw Date March 20, 2012 *Inck~des post due amount of $1 163,00 late Papsrant Waning; If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up b =35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the PenoNy APR of 22.24% variable. Minimum PaPtnant Waning; If you make only the minimum payment each period, you will pay more in interest and it will take you bngsr to pay off your balance. For example: f twu: ~ ` rau wNi p~ttlfth!s I~d'lAW >r>~ stud ~ ~ af~ovln ~ tt~rtift"ttYF Kilt M #tattlmsrd to ~lffnglMe~f~ol c+t Only the minimum 26 years $28,393 payment If you would like information about credit counseling services, call 1-804347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Diteover.eom 2. Cail 1-800-DISCOVER (1-804347-2683). Please have your Discover®card available Aeessa kw online tools like Paydown Planner to create a plan to pay down your balance, securely xcess statements, pay b l l . 3. Write to us at Discover PO Box 30943 i ls on ine and easily track aN transactions , Sah Lake City, UT 84130 (Not a payment address) Make your money worth moreSM-find easy ways to cam For payments, please send to address on remittance or and redeem cash rewards Discover PO Box 6103, Carol Stream, IL 60197-6103 NEWT Access your account securely through your For TDD (telecommunications Device for the Deaf) mobile phone assistance, please call 1-804347-7449. ect-snn~ yr Transactions Daamns. P~ Fees Feb 20 Feb 20 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Inierost ~~ INTEREST CHARGE ON PURCHASES $ 148.61 INTEREST CHARGE ON CASH ADVANCES 0,00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'S\1/IVER Paperless state Easily access up to 24 mo • See your statement as • Get helpful payment a • Print a paper copy of • Sign up today of Dixe i X2070 Discover Bank. Member FDIC iYs nn less clutter, more convenience able, password protected statements. able rather than wait for it to arrive in your mailbox. e-mail or text messages on your mobile phone. PAPER.0310 Transactions Trans. I'i (cont.) Day. ' ° I Int~re:f Charged I TiAI INTEREST FOR TENS PERIOD $ 148.61 2012 Totals Year-to-Dateai 9657097 FEES CHARGED IN 2012 INTEREST CHARGED IN 2012 $ 70,00 294.55 Questions? Visit www.D' .cam nor DISCOVER call 1-800-DISCOVER ~l •80 •2683 , z N O v 0 T x V DISCOVER tt pays to JERRY L HOPE _ ~SCVE~ ] Account number ending in 6432 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances V =Variable Rate MANNPERCENTAGE BAIAN~~ ECT TO INTEREST CHARGE 17.24% V S 10,149.94 S 148.61 23.99% V SO SO Information For You * * * ATTENTION * " Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Addaiorwl Mnportant Infermafion See your Cordrnember Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or srokn cards. Report immediately) Cal 1-800-347-2683. Wfsaf To Do if You T/» nk You Find A Alidiake On Moue S1olerssersf If you think there is an error on your statement, write fo us at: Discover, PO Box 30421 Sak Lake City, UT 84130.0421 In your IeHer, give us the following information: Account information: Your name and account number Dolor amount: The dollar amount of the suspected error Des~cri fion~of Probbm: IF you think them is an error on your bill, describe wfwt you believe is wrong and why you believe if is a mistake. i You must contact us within 60 days aker the erns appeared on your statement. You must notify us of any potential errors loin writin .You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While wa investigate whether or not thero has been an error, the folowing an true: We cannot try to collect the amount in question, or roport you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible Gar the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights N You Are Disaa-isiied W7Ns Your Crcdif Card Purrlsaeer If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to tarred the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, ail of the fallowing must be hue: 1 The purchase must have been made in your-home stale or within f00 miles of your current mailing address, and the purchase price must have been more than 550. (Note: Neither of dose are necessary iF your purchase was based on an odvertisament we mailed to you or if we own tM comparry that sold you the goods or services.) 2. You must hove used your credit cord far the purchase. Purchases made with cash advances from an ATM or with a check that accesses your crodit card «count do not qualify. 3. You must not gat have fully paid for the purchase. If all of the criteria above are met acid you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Sak Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. Aker we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. Howevx, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us ro use information on your check fo make an elecfronic Fund transfer from your account aF the knancial institution indicated on your check or to process the payment as a check transaction. If pa ant is pr«essed as an electronic fund transfer, iha hansfer will be for the amount of the check. When we use information from your check to make an electronic fund hons(er, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back From your financial institution. The pr«essing of your payment may be delayed if you send cash, correspondence or other items with your payment, iF you send the payment to any other addreu or if you use an envelope other than the one provided. Paymenh received m proper form at our processing facility 6~5PM I«al time on any day will be credited b your Account as of that day. Payments received at our pr«essmg facd aker SPM I«al fime will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover. PO Box 6103 Coro) Stroam, IL 60197-6103. Please allow 7-10 days for delivery. IF your payment is retumsd unpaid, we reserve the rig~it to resubmit it as an elecfronic debit. 9657097 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minima ens Due Ia a greater amount that does not exceed your current Account balance, over the telephone or you can setup is snts through a customer service representative by calling 1.800.347-2683. Automatic iA be acted on the Payment Due Date unless you request a recurring pa snt date (s. .the 15th day of the mo «curs re your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your pa wiN be sssed the business day prior fo the weekend or bank holiday. In order ro schedule monthly payments you need this statement and your bank «count information. You will be asked to pprrovide the last four (4 di Ifis s«i security number of the primary borrower. By providing those numbers as your elechonic signature, you will ing to is authorization fo allow us and your bank to deduct each pa ens you authorize, in the amount selected b from bank account. You also aufhonze us to initiate debit or credit entries to your bank account, as applicabb, an in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2 by moil t:d Discover, PO Box 30421 SaM Laka City, UT 84 1 30-042 1, however we must receive notice at least three days in nce of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly bit tement n your payment will be mode and how much it will be. You must ensure that sufficient funds are available in bank ac t, and all transactions must comply with U.S. law. You can set automatic payments For ~ emenf ew Balance, (ii( statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar am or (ivy a d dollar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed r man billingg statement, your scheduled payment For that month will 6e increased to cover the Minimum P Due. If schaduksd payment is realer than the Minimum Payment Due, any excess wiN be applied in accords your C dmember Agreement. IF your scheduled pa ment is greater than the New Balance on your billing statement, snt be ocessed only for the amount of your New Balance. Your automatic payment amount may be less than tfle aunt ind ed on the periodic statement based on credits or payments aker the Closing Data. ~~ If you enroll by phone in our ourom for your records. Amount: ^ Full Pay ^ Mid f- Bank Routing #: Credit Reporting. We may report i other defauhs on your Account may your Account to credit reporting a us at the following address: Disco , home telephone number and Acc symenf s~rvice, please fill-in the following blanks below and retain the authorization ^ Min Pay + $ ^ Fixed Pay$ , _, B Account #: ,Frequency: _ Rion a your Account to credit bureaus. Late payments, missed payments, or fktcted i your credit report. We normally report the status and payment history of each If ou believe that our report is inaccurate or incomplete, please write t Box 15 16, WYlmington, DE 19850-5316. Please indicate your name, address, nber m 0 m z m D 0 N 0 N °w 0 X Payng Ytbrest: We begin to im rest cha on a transaction, fee or interest charge 6om the day we add it fo the daily balance. We continue to im ( eat c s until you pay the total amount you owe us. You can avoid paying interest on Purchases as described .Howe ,you cannot avoid paying interest on Balance Transfers or Cash Advances. (F yo~ a ew a once on yo will not impose interest charges on current billing statement. New Purd How We A I Pa ments Ma Im i vious i rchases are Purc ur Gr ~ 8 statement by the Payment Due Date shown on that billing statement, we or any portion of a new Purchase, paid by the Payment Due Date on your Asses that lust appear on the current billing statement. eriod you o not pay your ew a o i eac t ,ten, depending on the balance fo which we apply your payment, you may not get o grace period on urcha How We Cakulate Merest Charge beta . AAethod (6xluding current transactions(: We calculate interest charges each billing period 6y first figuring standard Purchases, standard Cash ~ ily ba "for each Transaction Category. Trans«tion Categories include es an 'different promotional balances, such as Balance Transfers. How Ws Fguro the Daily balance Tran Category We start with the begmni b l th l t d ce for day. The be inning balance for the first day of the billing period is ll b your a ance on e as r prev i ing period. We add any interest char acct on previous day's daily balance and any new transactions and fees. We add an new bans«tions as oft krier of the Transaction Date or the first day of the billing period in which the trans«tion or ro you Account. We subtract any new crsdi j payme We make other adjustme f! ing th adjustments required in the "Paying Interest" section(. How We Fgure Your Total Mlerost s We multiply the Baily bola the billing period. This giv a«h T ction Category by its daily periodic rate. We do this for each day in a info charges For a«h Transaction Cate o T t d il i di we divide the APR that a g ry. o ge a a y per o c rate, the Tra ion Category by 365. We add up all the daily in barges. he sum is the total interest charge for the billing period. How We Include Fess We add Balance Transfer Fees to Fees to the applicable Cash Adva licable nce Transfer Transaction Category. We add Cash Advance ns«tion egory. We add all other fees to the standard Purchase Transaction Category. Balance Subject fo htsrost Rafe. Y ' emenf sows a Balance Subject to Interost Rote. It shows this For each transaction category. The Balance; fo InteHSf Rafe is the average of the daily balances during the billing period. I ~. Crodit balances. If your Account rodif ba e, the amount is shown on the Front of your billing statement. A credit balance is money that is open. We will send you a refund you. Ymay make charges against this amount if your Account is remains balance of $1 00 or mor ft 6 th h required by applicable law. . e a er mon s, or as ot erwise ommunicafions ~ GS7~ the Ds aesisfance, phase call 1-800-347-7449. ~ ~ iscover it d/ h may mon or an or p one h between you and Discover representatives for qualify assurance purposes, 1111]] i ~ The Discover°card is issued by Di Ij i i~ Bank, her FDIC RZNVE001 Questions? visit www ' . call 1 800-DISCOVER ~1-8 ~~.~ 7-26 ~ or 3j. DISCOVER VERIFICATIQN / ~ : ~ ~ ~ e I Cr a ~ ~ Le al Placement Account Mana er E (N~e) (Title) of DB Servicing Corporation, servicing affiliate of Discover Bank, (Company) does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plaintiff herein and authorized to make this verification, and that the facts sets forth in the foregoing Amended Complaint are true and correct to the best of his/her knowledge and information and that he/she is personally familiar with the account and the relationship between Discover $ank and DB Servicing Corporation. That Discover Bank, f/k/a Greenwood Trust Company, is aFDIC-insured Delaware State bank, and its servicing affiliate DB Servicing Corporation, extends credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Bath DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. - ._ .~ ,/ Date ~ ~ ~ ~ - ~- {Signature Jerry Hope DB Servicing Corporation servicing affiliate xxxxxxxxxxxx6432 for Discover Bank WWR#9657097 PO Box 3025 New Albany, OH 43054 I ~ . ; ~-. '.k. ~{ ~,i~ a k'.. CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff s Amended Complaint has been served by U.S. Mail, Postage Pre-Paid, on~~day of , 2012 upon the following: Jason Rettig, Esquire 301 Grant Street, Suite 4300 Pittsburgh, PA 15219 By: Matthew D Urban, Esquire TIr01 ? `, WELTMAN,WEINBERG & REIS CO.,L.P.A. BY: Ashley L. Sweeney,Esquire Attorney for Plaintiatk4 DEC 23 pf.3: j 6 I.D. No. 313667 Ct1Mt3E RLAND CQUNTY 436 7th Ave Ste 1400 PENNSYLVANIA Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File # 9657097 ASW/SJS Discover Bank, Through Its Servicing Agent DB Servicing Corporation CUMBERLAND County Court of Common Pleas vs. No.: 12-4143 CIVIL JERRY L HOPE PRAECIPE TO DISMISS WITH PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter with prejudice . WELTMAN, WEINBERG& REIS CO., L.P.A. By Ashle P e; squire Attorney for P ainti ' 1 11 1111 1 1111 11111 1111 111111 11111 11 111 11111 11111 111111101 1111 II II