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Home My WebLink About12-5068 i . Ralph Gulko Esq. ~ , a-~_ ~ r~~ File # P159795A ID#32771 PRESSLER and PRESSLER, LLB, ~ f ~ Attorneys for Plaintiff 804 West Avenue CU~IERLAND COUNTY Jenkintown, PA 19046 ~.~~NNSYLVANIA 1-215-576-1900 COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNS LVANIA Civihl Action ~1 Law. NO: ~aZ• ~~D~ DISCOVER BANK C/0 DB SERVICING CORPORATION 6500 NEW ALBANY RD EAST NEW ALBANY OH 43054 Plaintiff, -versus- TERRIE L PRAYER FREDERICK C PRAYER 50 EASTGATE DR 50 EASTGATE DR CAMP HILL, PA 170111309 CAMP HILL PA 170111309 Defendant(s) NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth i the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and fling in writing with the court your defenses or objections to the claims set forth agains you. You are warned that if you fail to do so the case may proceed without you and a jud ment may be entered against you by the court without further notice for any money claime 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, TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFO TION 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 RE UCED FEE OR NO FEE. Le han demando a usted en la Corte usted quiere defenderse de estas demandas pues as en las paginas siguientes, usted ti veinte (20) dias de plazo al partir de la fecha d_a demanda y la notification. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la Corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la c urte tomara medidas y puede continuar_a demanda en contra suya sin previo avi o 0 notificacion. Ademas, la Corte puede decidir a favor del demandante y requiere que sted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importatntes para usted. LISTED DEBE LLEVARLE ESTA DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI NO TIENE O NO PUEDO CORKER CON LOS GATOS DE LINO, VAYA O LLAME POR TELEFONO A LA OFICINA EX STA ABAJO. ESTA OFICINA PUEDE POVEERLE INFORMATION RESPECTO A COM O CONTRATAR A UN ABO SI NO PUEDE CORKER CON LOS GASTOS PARA CONTRATAR A UN ABOGADO, ESTA OFICINA P ERA PROVEERLE INFORMATION RESPECTO A INSTITUCIONES QUE PUEDAN OFRECER SERVICIOS LE A PERSONAS QUE CALIFIGAN PARA LA REDUCCION DE HORORARIOS O QUE NO TENGAN QUE G HONORARIOS. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE PA 17013 s 800-9~0-9108 Ck,r~ yy ~ u3 ~ ~~g ~?b r _ _ PRESSLER and PRESSLER, LLP Attorneyys for Plaintiff BY• Ralph Gulko Esq. File # P159795A I.D.# 32771 809 West Avenue Jenkintown PA 19046 1-215-576-1900 DISCOVER BANK COURT OF COMMON PLEAS C/0 DB SERVICING CORPORATION CUMBERLAND COUNTY, PENNSYLVANI 6500 NEW ALBANY RD EAST NEW ALBANY OH 43054 CIVIL ACTION-LAW Plaintiff No. vs. TERRIE L PRAYER 50 EASTGATE DR CAMP HILL, PA 170111309 FREDERICK C PRAYER 50 EASTGATE DR CAMP HILL PA 170111309 Defendant(s) CIVIL ACTION COMPLAINT 1. Plaintiff DISCOVER BANK is a banking institution organized u der the laws of the State of DE and maintains a business address of C/0 DB SERVICING CORPORATION 6500 NEW ALBANY RD EAST NEW ALBANY, OH 43054. 2. Plaintiff is engaged in interstate commerce and is subject to various federal laws and federal banking regulations; and, Plaintiff oes not conduct business within the Commonwealth of Pennsylvania within the meaning of any statutes and/or regulations pertaining to for ign corporations. 3. DISCOVER BANK is the issuer and owner of credit cards which are issued to consumers pursuant to an extension of credit agreement with hem. 4. DB SERVICING CORPORATION is affiliated with and is the servi ing agent for the credit card accounts for DISCOVER BANK It creates and maintains all of the records in connection with all of the activi ies and/or transactions regarding the accounts. 5. The Defendant(s), is/are adult individual(s) believed to be residing at the address contained in the above caption. 6. Plaintiff issued a credit card to the Defendant(s), and the Defendant(s) accepted the credit card, so that the Defendant(s) could ake purchases or other forms of credit from various merchants who ere authorized to accept the credit card from the Defendant(s) in lieu of payment by the Defendant(s) to the merchants. _ _ _ i 7. The Defendant(s) received the physical credit card issued by 'the Plaintiff, together with a Cardmember Agreement (extension of cr'dit agreement), which agreement contains the terms and conditions governin the use of the credit card between the parties hereto. Plaintiff atta hes hereto as Exhibit A a copy of the Cardmember agreement applicable to the Defendant(s) account. 8. The cardmember agreement is in writing however is not signed and is not required to be signed by the parties as the cardmember agree ent only becomes effective and assented to by the Defendant(s) upon use of the credit card. See Discover Bank v. Stucka, 2011 PA Super 241 (Pa. Super. Ct.,2011} 9. Thereafter, on sundry and various occasions, the Defendant(s), pursuant to the extension of the credit card agreement, used the cr dit card for purchases and/or other forms of credit and maintained a run ing account, a copy of which was provided to the Defendant(s). Attached he eto as Exhibit B is a copy of the Defendant(s) monthly cardmember statemen (s). 10. The Defendant(s) by acceptance and use of the credit card has assented and ratified the terms and conditions of the Cardme er Agreement/account each and every time they utilized the credit card, as well as by continuing to make payments to the Plaintiff after recei ing monthly statements summarizing the activities, interest rate an /or transactions on the account. 11. The Defendant(s) by use of the credit card have impli dly represented to the credit card issuer that the Defendant(s) had the ab'lity and intention to pay for the use of the credit card. 12. The Defendant(s) have not disputed any of the charges in wri ing within sixty(60) days of receipt of the monthly cardmember statements as required pursuant to the Fair Credit Billing Act ("FCBA") an amendment to the Truth in Lending Act ("T1LA") 15 U.S.C. Section 1601. 13. The Plantiff believes, and therefore avers, that the Defenda t(s) last payment in regards to their obligation was processed on or a out 09/30/2011 and as a result thereof, the obligation of the Defendant(s) to satisfy the entire balance in regards to the credit card account be ame accelerated. _ l _ 14. The outstanding balance which was due on the credit account 'was of 05/31/2012 was $19,669.37; and although repeated requests and demands 'have been made upon the Defendant(s) by the Plaintiff to satisfy the balance, the Defendant(s) is still in breach of its obligation on the account and have failed to repay the account balance and debt due the Plaintiff. COUNT I - BREACH OF CONTRACT 15. Plaintiff incorporates by reference, all of the foreg ing averments of this Civil Action Complaint, as though the same were ore fully set forth in length herein. 16. In addition to the balance on the account as indicated above, the Plaintiff may incur additional damages for accrued interest and costs and request payment of the same by the Defendant(s) pursuant to the terms of the Cardmember Agreement andior applicable law. 17. Plaintiff, through its counsel's investigation, has determ'ned that the Defendant(s) is/are not in the military service. 18. THIS COMMUNICATION OF PLAINTIFF'S COUNSEL IS FROM A EBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMA ION OBTAINED WILL BE USED FOR THAT PURPOSE. WHEREFORE, plaintiff demands judgment against defendant(s), TERRIE L PRAYER FREDERICK C PRAYER in the sum of $19,669.37 plus costs and pre-judgment interest in accordance with law. COUNT II - ACCOUNT STATED 19. Plaintiff incorporates by reference, all of the foreg ing averments of this Civil Action Complaint, as though the same were ore fully set forth in length herein. 20. The Defendant(s) has/have, by their use of the credit c rd, impliedly assented to the terms and conditions of the account and is are now in breach of the account for their failure to pay the outstan ing balance due and owing. WHEREFORE, Plaintiff, DISCOVER BANK demands judgment against Defendant(s), TERRIE L PRAYER FREDERICK C PRAYER in an am unt not in excess of the Court's Arbitration limits, plus costs and pre-judgment interest in accordance with law. I i COUNT III - UNJUST ENRICHMENT 21. Plaintiff incorporates by reference, all of the foreg ing averments of this Civil Action Complaint, as though the same were ore fully set forth in length herein. 22. Defendant(s), by use of the credit card account and the exte sion of credit, received the benefit of the same which was given on the aid credit card account and has/have failed to make payments for the recei t of the said benefit. 23. As a direct result of the receipt of the benefit of the exte sion of credit understanding as above, the Defendant(s) has/have been unju tly enriched in the amount less than this Court's Arbitration limits, to the Plaintiff's detriment. WHEREFORE, Plaintiff, DISCOVER BANK demands judgment against Defendant(s), TERRIE L PRAYER FREDERICK C PRAYER in an am unt not in excess of the Court's Arbitration limits, plus costs and pre-judgment interest in accordance with law. Dated. b V ~2 Ra h Gulko Esq. Attorney for aintiff - f VERIFICATION The undersigned Ralph Gulko hereby states that he is the attorney for the Plaintiff who is located outside this jurisdiction nd in order to file the within document in an expedient and timely manner, e is authorized to take this Verification on behalf of the said Plaintiff 'n the within action and verifies that the statement made in the foregoi g Complaint are true and correct to the best of his knowledge, informati n and belief, based upon the information provided to him by the Plaintiff. A Verification signed by the Plaintiff will be provided to Defend nt or counsel for Defendant upon request. The undersigned understands that false statements herein are ma e subject to the penalties of 18 P.A.C.S. Section 4904, relating to unswo n falsification to authorities. Ral h Gu o i ~i EXHIBIT "A" I i~ 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 14-76 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF 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. GLOBAL TRAVELER'S HOTLINE ...............Page 24-25 The terms and conditions of this free travel assistance benefit. ®2011 Discover Bank, Member FDIC TL23AG.0211 11DCM0_02BOK_TL23A60211_00083.indd 1-2 1!11/11 8:41 AM it - j _ I CARDMEMBER AGREEMEPfT Please read this Agreement carefully before usblg your Discovero Card Account h contains the lama and conditions of your Account, some of whkh may have dsanged from earlier materials provided to you. M the event of any differences, this Agreement shah control. We respell your privacy. See the Privacy section on page 10 and our Privacy Pdiq fa additional infomwtiorr. The Arbitration of Disputes section on page 11 indudes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section an page f 3 describes the procedure you must tdbw ff you desire to rejeR 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 Yaur Account ................................3 Purchases and Cash Advances in Foreign Currencies 3 Cash Advances ................................................3 Balance Transfers ..............................................3 CredR Authorizations ..........................................3 Authorized Users ..............................................3 Unauthorized Use .............................................4 Yaur Cred'R 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 5 How We APPN Payments 5 Minimum Monthly Payment ....................................6 Skip-A-Payment Offers .........................................6 Credft Balances ...............................................6 Pay-ByPhone .................................................6 INTEREST CHARGES ...............................................6 How We Calculate Interest Charges 6 Balance Subject to Interest Rate ................................7 Paying Interest ...............................................7 Annual Percemage Rates .......................................7 Variable Interest Rates .........................................7 Penalty APR ..................................................8 FEES ............................................................B Cash Advance Fee .............................................8 Balance Transfer Fee ...........................................8 Foreign Currency Fee ..........................................9 Minimum Interest Charge ......................................9 Annual Fee ...................................................9 Late Fee .....................................................9 Returned Payment Fee .........................................9 Returned Discover Card Check Fee ...............................9 Research Fee .................................................9 DEFAULT AND CANCELLATION .....................................9 -1- 11DCM0_02BOK_TL23AG0211_0009a.indd 3-4 1/11/11 9:41 AM - Types of Default ..............................................9 currenry and wire transfers, or by means of checks which we may furnish Consequences of Default ......................................10 to you, all in accordance w'~th such additional terms and condiions as we Cancellation .................................................10 may offer from time to time. PRIVACY AND OUR COMMUNICATIONS WITH YOU ..................10 • Balance Transfers - to transfer balances from other creditors or to make Our Privacy Polity ............................................10 other transactions by means of balance transfer coupons or checks, in Reporting to Credit Agencies ..................................10 accordance with such addtional terms and conditions as we may offer Our Communications wkh You .................................10 from time to time. Releasing Information About Yaur Account .....................11 In addition, your Account may be used to guarantee reservations at Electronic Notices to You ....................................11 participating establishments. You will be liable for guaranteed reservations Notices - Changes to Your Information .........................11 that are not cancelled prior to the time specified by the establishment. Your CLAIMS AND DISPUTES ..........................................11 Account may be used for personal, family, household and charRable Merchant Disputes ...........................................11 purposes. Claim Notices ...............................................11 Arbtration of Disputes ........................................11 ProhibRed Uses of Your Account. Your Account may not be used to obtain Right to Reject Arbitration ....................................13 loans to purchase, carry or trade in securities, to pay any amount you owe LEGAL INTERPRETATION OF THIS AGREEMENT .......................14 under this Agreement or for arty transactions that are unlawful where you Severability 14 reside or where you are physically located when you use the Account to Compliance with Interert Rate Limitations .......................14 initiate the transaction ("Prohibited Transactions"). Governing Law ..............................................14 Purchases and Cash Advances in Foreign Currencies. ff you make a purchase ASSIGNMENT OF ACCOUNT .......................................14 or cash advance in a foreign currenry, it will be converted to U.S. dollars DEFINfT10N5 using either a government-mandated rate, agovernment-published rate or 'Account means your Discover Card Account. the interbank exchange rate, depending on the country and currenry in which the transaction is made. The rate used will be the rate in effect on 'APR" means an annual percentage rate. the conversion date for the transaction, which may be different than the "Authorized User" means any person whom you authorize to use your Transaction Date as shown on your statement. We charge a Foreign Account or a Card, whether you notify us or not. Currenry Fee for each purchase made in a foreign currency as described in "Card" means arty one or mare Discover Cards issued to you or someone the Foreign Currenry Fee section on page 8. else wkh your authorization. Cash Advances. We may periodkally offer you promotional rates on cash "Pricing Schedule" means the document accompanying your Card and advances for the time period specified in the offer, subject to the Penalty listing the APRs that apply to your Account and other important APR section. The offer may contain a Cash Advance Fee for each cash information. The Pricing khedule is part of this Agreement. advance. "We," "us" and "out' refer to Discover Bank, the issuer of your Discover Balance Transfers. In our discretion, we may periodkally offer you the Card. opportunity to make balance transfers from other credtors or to make 'You," "your' or yours' refer ta, in addtion to you, the Cardmember, any other tramactiom to your Account by means of balance transfer coupons other person or persons who are also contractually liable under this or checks. The standard purchase rate applies to balance transfers. Agreement However, we may per'rodically offer you promotonal rates on balance USING YOUR ACCOUNT transfers for the time period specified in the offer, subject to the Penalty Your Ac a of this regiment The use of our Account or a Card ~ section. Each offer will contain an expiration date. ff you attempt to ceptanc A9 Y by vansfer balances by means of a check after the expiration date, we will you a an Authorized User, a your failure to cancel your Account within 30 treat the transaction as a cash advance. We will not make balarxe transfers days after receiving a Card, means you accept this Agreement, including the attempted by means of a coupon after tfie expiration date. We may charge Arbitration of Disputes section ar page 11. You may, however, reject the a Balance Transfer Fee as indicated in the Balance Transfer Fee section. Arbitration of disputes section as explained on page 13. Cred'tt Authoruatans. Certain transactions will require our authorization Permitted Uses of Your Account Your Account may be used for: prior to completion. In some cases, you may be asked to provide • Purchases - to purchaze or leaze goods or servkes from participating ident'rfication. We have the right not to authorize a transaction for security merchants by presenting your Card or Account number or by using or other reasons. Also, 'rf our authorization system is not working, we may promotional checks, whidl we may fum'sh to you, in accordance with not be able to authorize a transaction. We wdl not be liable to you 'rf any such addtional terms and conditions as we may offer from time to time. of these events happen. • Cash Advances - to obtain cash advances from participating automated Authorized Users. ff you want to cancel the authority of a current teller machines, financial institutions or other locations, the purchase of Authorized User to use your Account or a Card, you must notify us and lottery tickets, racetrack wagers, vouchers redeemable for cash or for destroy any Card in that person's possession. You can notify us by casino chips, money orders, traveler's checks, savings bonds, foreign telephoning 1.800-DISCOVER (1-804347-2683), or by wrhing Discover, PO _z_ _3_ 11DOM0_02BOILTL23AG0211_0009a.indd b6 1/11/11 9:41 AM _ j ~I Box 30943, Soh lake City, UT 84130-0943. None of your rights under this using your Account or a Card. If you pay us in other than U.S. dollars, we Agreement (other than to pay amounts awed) may be exercised by any may refuse to accept the payment or charge your Account our cost to person not a party to this Agreement aging pursuant to a power of convert your payment to U.S. dollars. All checks must be drawn on funds on attorney, without our separate written agreement (which we are not deposit in the U.S. You may not use a cash advance check, balance transfer obligated to give). check or coupon, or any other promotional check drawn on any Discover Unauthorized Use. Prior to its use, each Card must be signed by the person Bank credh card account to make payments on your Account. If your to whom R is issued. If a Card is lost a stolen, or'd you think that someone Account is a joint Account, each of you agrees to be liable individually and is using your Account or a Card w'Rhout your permission, notify jointly for the entire amount owed on your Account We ran accept late us immediately. You can notify us by telephoning 1.804DISCOVER payments or partial payments or checks and money orders marked (1-800-347.2683), or by writing Discover, PO Box 30943, Sag Lake City; UT "payment in fulM wwith any other restrictive endorsement without losing 84130.0943. You agree to assist us in determining the facts relating to any any of our rights under this Agreement theft or possible unauthorized use of your Account or a Card and to comply Monthly Bil6ig Statement We will send you a billing statement after each with such procedures as we may require in connection with our monthly billing period in which you have a debt or aedit balance, unless investigation. we waive our right to do so as permitted bylaw. The billing statement will Your Credit lines. We will advise you of your Account credit line. We may show the purchases, cash advances, balance transfers, Interest Charges and impose a lower line that will apply to cash advances, referred to as the cash other charges a fees and the payments or other credits posted to your advance credR line. We may oho impose a lower line that will apply to Account during the billing period. k will show your New Balance, Payment balance transfers, refened to as the balance transfer credt line. You agree Due Date and Minimum Payment Due as of the end of the billing period. If not to allow your unpaid balance, including Interest Charges and fees, to your prior month's payment is returned unpaid, your required Minimum exceed your Account credk line. H you exceed your Account credh line, we Payment Due may be higher than shown on your billing statement. See the may request immediate payment of the amount by which you exceed your Minimum Monthly Payment section on page 5. Account credit line. Monthly Payment Options. You may at any time pay the entire New We may increase a decrease your Account credit line, your cash advance Balance shown on your billing statement, but each month you must pay at credt line a your balance transfer credit line without notice. The credR least the Minimum Payment Due as deur'ibed in the Minimum Monthly available for your use may, from time to time, be less than your Account Payment section. All payments must be made in accordance with the terms credR line. For purposes of determining your available credit, we reserve stated on your monthly bi8ing statement, as well as the payment cut-off the right to postpone for up to 15 business days reducing your unpaid time stated in this section, and we will credR your Account in accordance balances by the amount of any payment that we receive, Your available with those terms and this section. Paymenns received in poper form at our credR will not be increased by the amount of any credR balance. processing facility by SPM local time on any day will be credted as of that CHANGES TO THIS AGREEMENT day. Payments received in proper form at our processing facility after SPM From time to time, we mag to the extent permitted by law, dwnge any local time will be credhed as of the next day. term of this Agreement, incirdirg, but not limited to, any interest rate, fee AutomatK Bing Arrarigementr. If your Account number and/or Card a method of computing arty babxrce upon which the interest rate is expiration date changes and our records indicate you have automatic assessed a add a delete any term to this Agreement Vile wil give you billing established with a merchant, we will attempt to provide your new notice of the dwrge in the tine and manner required by law, which Account information to that merchant. To ensure uninterrupted billing, we includes t,5•days advance written notice in some circumstances. In recommend that you verify the merchant has your new Account addition, to the extent required bylaw, we wi offer you the opportunity information. You must contact the merchant directly 'rf you do not wish to to reject a drange. Fa example, law requires, with certain exceptions, that continue the automatk billing arrangement we oiler you the opportunity to reject an increase in a late }ee a the How We Apply Payments. We apply payments and credits at our diuretion, el'xniratian of a grace period prior to the effective date of the change. H including in a manner most favorable or convenient for us. In all cases, we you reject a change in acwrdance whh the instructioru ~ the notice will apply payments and credits in accordance with applkable law Each provided, we wiN dose your Account and you wig no kxger be able to use billing period, to the extent your paymentr exceed the Minimum Payment it fa further transactions You can then pay the remaining balance render Due shown on your current billing statement, we will apply these excess the undrariged tens VVe may also dwge any term of any product, service amountr generally in order of the APR applicable to the balance of each w bereft offered'm caririertbn with your Account VVe wiN notify you as tramaction category (as referenced in the INTEREST CHARGES section), required by law a by the temx of the product, service or benefit from highest to lowest, beginning with the balance subject to the highest MAKING PAYMENTS APR as of the date we credR yow payment. For promotional balances with the same APR, we will apply payments to the promotiaial balance with the Promise to Pax You agree to pay us in U.S. dollars for all purchases, cash longest remaining duration before promotional balances wfth shorter advances and balance transfers including applkable Interest Charges and remaining durations. other diarges a fees, incurred by you or anyone you authorize a permR to use your Account or a Card, even if you do not notify us that others are _q_ -5- 11DGM0_0280K_TL23AC;0211_00083.indd 7-8 1/71/11 9:41 AM j _ _ ~ ~ Minimum Monthly Payment The Minimum Payment Due for a billing When we calculate daily balances, we add a new transaction as of the period will equal: Transaction Date shown on your billing statement, unless the transaction is (i) the greater of: posted to your Accouni after the close of the billing period in which ft • 540; occurs, in which case the transaction will be added to the daily balance as • 2°/. of the New Balance shown on your billing statement for that of the first day of the billing period in which it is posted to your Account. billing period; or All fees charged to your Account are added to the standard purchase • current Interest Charges plus Late Fees plus 520; transaction category with the exception of Cash Advance Fees which are (ii) any past due amount. added to the applicable cash advance transaRion category and Balance Transfer Fees whkh are added to the applicable balance transfer transaction We may also include some or all the amount by which you exceed your category. Account credit line. When we calalate the Minimum Payment Due, we Balance SubjeRto Interest Rate. Your statement shows a Balance Subject to may subtract fiom the New Balance certain fees added to your Account Interest Rate. h shows this for each transaction category. The Balance during the billing period. The Minimum Payment Due will be rounded up Subject to Interest Rate shown on your statement is the average of the daily to the nearest dollar and will never exceed the New Balance. balances during the billing period. Skip-A-Payment Offers. We may from time to time allow you to not make paying krtercst We begin to impose Interest Charges on all transactions a Minimum Payment Due and will notify you when this option is available. and fees from the Transaction Date shown on your billing statement for the If you take advantage of this offer and do not make a Minimum Payment transaction or fee. However, if a transaction or fee is posted to your Due, Interest Charges and any applicable fees will accrue on your Account gccount after the close of the billing period in which it occurs, we begin to in accordance with this Agreement and you must pay the Minimum impose Interest Charges on that transaction or fee from the first day of the Payment Due for the following billing periods. billing period in which R is posted to your Account. We begin to impose Credit Balances. We will refund arty credit balance within seven business Interest Charges on Interest Charges from the date they are added to your days from receipt of your written request. M you do not request a refund, Account. We continue to impose Interest Charges on all transactions, fees we will automatically refund credit balances greater than S1 that remain in and Interest Charges until you pay the total amount you owe us. Your due your Account after 6 months. date will be at least 25 days after the close of each billing period except that PayByPhone. We may from time to time allow you to make payments by it will be at least 23 days after the close of each billing period that begins authorizing us over the telephone to transfer or pay funds from a deposit in February. If you paid the New Balance on your previous billing statement account to your Account. We will not charge you a Pay-By-Phone Fee. 6y the Payment Due Date shown on that billing statement, we will not INTEREST CHARGES impose Interest Charges on new purchases, that is purchases first appearing How We Calculate Interest Charges -Daily Balance Method (inducting on the current billing statement, or arty portion of a new purchase, paid by current transactfonsk We figure Interest Charges for each billing period. To the Payment Due Date on your current billing statement. We call this the do this: "grace period." There is no grace period on balance transfers or cazh • We calculate ur Interest Char es advances As more fully described in the section tRled "How We Apply yo g separately for each balance subject to p~Mu• ~ appy payments in a manner most favorable or comrenient different terms (far example, standard purchases, standard cash advances for us and, to the extent your payments exceed the Minimum Payment Due and each purchase, balance transfer and cazh advance balance subject to shown on your current biAing statement, we will apply such excess amounts promotional terms). We refer to these balances az transaction categories. generally in order of the APR applcable to the balance of each transactan • We figure the 'daily balance' for each transaction category. To get the category (az referenced in the INTEREST CHARGES section), from highest to "daily balance" we take the beginning balance for each day, add any new lowest, beginning with the balance subject to the highest APR az of the vamactbns and fees and arty Interest Charges accrued on the previous date we credit your payment. Tha means that 'd you do not pay your days daily balance. We then subtract any credits and payments and make balance in full each month, then, depending on the balance to which we other adjustments pncluding those adjustments required in the section allocate your payment, you may not be able to get a grace period on new titled Paying Interest). In calculating the daily balance for the first day of purchases the billing period, we consider the "previous days dairy balance' to have Annual Percentage Rates. The daily periodic rate and corresponding APR been your balance on the last day of your prevous billing period. This that apply to each transaction category are set forth in your Pricing gives us the daily balance for each transaction category. Schedule. The daily periodic rate is 11365th of the corresponding APR, • We figure the Interest Charges on your Account by multiplying the daffy Variable krterest Rates. One or more daily periodk rates and corresponding balance for each transaction category by its daily periodic rate, for each Apts that apply to a transaction category may be variable rates az set forth day in the billing period. in your Pricing Schedule or in any special offers you receive from us. • The total Interest Charges for the billing period are the sum of the daffy Vaziable APRS are determined by adding a specified number of percentage Interest Charges for each transaction category for each day during that points to the Prime Rate. This is shown on the Prcing Schedule az "Prime + billing period. (percentage points).' For purposes of this Agreement the Prime Rate is the .5. 11DCM0_02BOK_TL23AG0211_OOD83.indd 9.10 ~/~7/~~ g;~~ qr„r r ~I I ~ ~ highest rate of interest listed as the "prime rate" in the Money Rates balance transfer with a minimum Balance Transfer Fee of S10 and no section of The Wall Street Journal on the last business day of the month. maximum. The Prime Rate is merely a pricing index and does not represent the lowest Foreign Currency Fee. We will charge you a Foreign Currenry Fee of 2% of or best interest rate available to a borrower at any bank at any given time. the U.S. dollar amount of each purchase made in a foreign Currenry. H you have a variable rate, your APR will invease or decrease when the Minimum Interest Charge. We will charge you a minimum Interest Charge Prime Rate changes. This change will be effective beginning with the first of 5.50 for any billing period in which Interest Charges of less than 5.50 day of the billing period that begins during the same calendar month as the would otherwise be imposed. change in the Prime Rate. An increase in the APR may increase your Annual Fee. If our Prkin Schedule accom an in our Card includes an Minimum Payment Due. Annual Fee, we will charge you an Annual Fee in the amount indicated. We Penahy AFR Each time that you do not make the Minimum Payment Due will charge you this fee when we open your Account and at the beginning by the Payment Due Date we may, in accordance whh applicable law of each anniversary year your Account is open. The Annual Fee is not (i) terminate the availability of any promotional APRs on new purchases refundable, except as provided bylaw. and balance transfers; and Late Pee. We will charge you a Late Fee if you have failed, as of the Payment (ii) increase your APRs for new purchases and balance transfers to variable Due Date, to make the Minimum Payment Due that was required to be paid Penalty APRs. for that billing period. The amount of the Late Fee is 525, except the Each new variable Penaty APP for a new purchase or balance transfer is amount of any subsequent Late Fee assessed during the next six billing determined by adding up to 5 additional percentage points to the periods after a Late Fee is assessed is 535. The Late Fee will never exceed the otherwise applicable APR and will vary based on any changes in the Prime Minimum Payment Due that was due immediately prior to the date on Rate. (For example, if the promotional purchase rate was 2.99Y~ and the which the Late Fee was assessed and will never exceed the amount rate for other purchases was 15.9936 and you paid late once, the rate for all permitted by law. new purchases could increase up to 20.99°h variable and vary thereafter Retumed Payment Fee. We will charge you a Returned Payment Fee any whh the Prime Rate.) When we first determine the variable Penalty APRs, time you pay us with a check or other instrument that is returned unpaid. we use the Prime Rate effective for the billing period in which you pay late. This fee will also apply 'rf a debit transaction to a deposh account from The variable Penalty Alts are determined in accordance with the Variable which you have authorized us in writing, ek:ctronically or ora0y, to deduct InterestRatesseRion.WewillbaseyourPenaltyAPRonyourveditworthiness all or a part of an amount you owe us under this Agreement B returned and other factors such as your current APRs and your Account history H we unpaid. We will charge you this fee the first time any payment is returned increase any of your APRs to a Penalty APR, we will send you a notice, in unpaid, even ff it is paid upon resubmission. The amount of the fee is 525, accordance with appl'Kable law, advising of (i) the date the new Penalty except the amount of any subsequent Returned Payment Fee assessed APR wiB apply (the "Penalty APR Effective Date")and (ii) the new purchases during the next six billing periods after a Returned Payment Fee is assessed and balance transfers to whkh 8 will be applied (note: the new Penalty APR is 535. The Returned Payment Fee will never exceed the Minimum Payment will not apply to any other transactions). New purchases and balance Due that was due immediatey prior to the date on which the payment was transfers are those purchases and balance transfers which ekher (i) have a returned to us and will never exceed the amount permitted by law. Transaction Date, as shown on your billing statement, of more than petumed Discover Card Orcck Fee. We will charge you a Returned Discover fourteen days after we mail ar deliver the ratite to you, or (ii) were posted Card Check Fee each time we decline to honor a Discover Card cash advance to your Account after the current Penalty APR Effective Date. Your Account check, balance transfer check, promotonal purchase check, or other will not be wbjed to a Penalty APR for the first twelve billing periods after promotional check. The amount of the fee is 525, except the amount of any your Account is first opened. wbsequent Retumed Discover Card Check Fee assessed during the next six If your APR for purchases or balance transfers was increased to a Penatyy billing periods after a Returned Discover Card Check Fee is assessed is 535. APR, we will, to the extent required by applicable law, periodically review The Returned Discover Card Check fee will never exceed the amount of the your Account to determine 'rf any of those APRs should be reduced. Any check and will never exceed the amount permitted by law. reduced APRs on new and existing balances may be different and may be Rexarch Fee. We may charge you a Research Fee of SS for each copy of a higher than your prevaus standard APRs for purchases and/or balance billing statement or sales slip that you request However, we will not charge vansfers or any promotional rate. a fee if you request copies in connection with a billing error. FEES DEFAULT AND CANCELLATION Cash Advance Fee. Unless otherwise specified in a cash advance offer, we Types of Default You are in defauR 'rf you become imolvent; 'rf you file a will charge you a Cash Advance fee in the amount indcated on your Pricing bankruptcy pet'R'an or have one filed against you; 'rf we have a reasonable Schedule. AR forms of cash advances, including the use of Discover Card belief that you are unable or urnvBling to repay your obligatioru to us; if checks, regardless of the purpose for whkh used, are subject to a Cash you are declared incompetent by a court or if a court appoints a guardian Advance Fee. for you or a conservator for your assets;rf you die; 'rf you fail to comply with Balance Trerufer Fee. Unless otherwise specified in a balance transfer offer, the terms of thb Agreement, including failing to make a required payment we will charge you a Balance Transfer Fee of SK of the amount of each new -9- 11DCM0_02BOK_TL23A0021/_OOOa3.irMd 11-12 1!11/11 9:41 AM _ _ _ T_ when due, exceeding your Account credft line or using your Card or Releazing Information About Your Account We provide various methods Account for a Prohibited Transaction; or H you fail to make a required by which you can obtain information about your Account. We will only payment when due on any other account you have with us. release such information to you, any Authorized User that our records Consequences of Defauh. If you are in defauR, we may declare the entire indicate is an authorized buyer on your Account, and any other person with balance of your Account immediately due and payable without notice. If your prior permission, in addftion to as provided in our Privary Polity or as we refer the collection of your Account to an attorney or employ an required bylaw. Our security measures cannot insure against unauthorized attorney to represent us wfth regard to recovery of money that you owe us, inquiries. You agree that we will not be responsible for the release of we may charge you reasonable attorneys' fees and court or other collection information to anyone who, even if without your authorization or costs as permitted bylaw and as actually incurred by us, including fees and permksbn, has gained possession of a Card or has learned other identifying costs in connection with any appeal. We may delay enforcing or not enforce characteristics about you such az your personal ident'rfication number, any of our rights under this Agreement without losing or waiving any of Account number or social security number. them. Electronic Notices to You. We may offer you the opportunity to receive Cancellation. You may cancel your Account by notifying us in writing or by certain notces from us electronicalty rather than through the mail, telephone and returning or destroying every Card and unused check that including monthly billing statements and change of terms notices. The we have provided you. You can notify us by telephoning 1-800-DISCOVER terms and conditions for receiving these electronic communications will be (1-800.347.2683), or by writing Diuover, PO Box 30943, Sah Lake City, UT described in the offer. 84130-0943. Ctf course, you wi8 still be responsible to pay any amount you Notices - Changes to Your Information H you change your a-mail address, owe us according to the terms of this Agreement. H your Account is a joint mailing address or telephone number you must notify us of your new Account, either Cardmember may cancel the Account, but you will both address or telephone number within 15 days. You can notify us by remain responsible to pay any amount owed to us according to the terms telephoning 1-800•DISCOVER (1-800-347-2683) or by writing Discover, PO of thrs Agreement We may cancel or suspend your Account at any time Box 30943, Sah lake City, UT 84130.0943. If your Account is a joint Account, wthout notice. We may choose not to renew your Account (beyond the any notice we mail to an address you have provided for the Account will expiration date shown on the face of a Card) without notice. You must serve as notice to both Cardmembers. return any Card or unused checks to us upon request. CLAIMS AND DISPUTES PIINACY AND OUR COMMUNICATIONS WITH YOU Is4erlrant Disputes. We are not responsible for the refusal of anyone to Our Privacy Polite We may from time to time review your credit, accept or honor a Card or to accept checks that we have provided you. It a employment and income records. We respell the privary of information merchant fails to provide your purchase to your satisfaction and you about you and your Account Our Privacy Policy includes a summary of the request a credit to your Account, we will investigate the dispute. M we personal information we collect, when it may be shared wRh others, how resolve the dispute in your favor, we will'nsue a credit to your Account and we safeguard the confidentiality and secur'Ry of infamafion and the steps you will be deemed to have assigned to us your claim against the merchant you may take to limk our sharing of such information with others. Please and/a any third party for the aedRed amount. Upon our request, you read it carefu8y az R k part of your Cardmember Agreement agree to provide us with written evidence of such assignment. Reporting to Credit Reporting Agencies. As indicated in our Privacy Policy, Claim Notices. In the event that you or we have a claim that arises from or we may report to cred'R reporting agencies and other creditors the status relates to your Account, any prior azcount you had with us, your andpaymenthistoryofyourAccount,includingnegativeaedftinformation. applkatan, the relatbrnh'~ps whkh resuh from your Account a the Late payments, mused payments or other defauhs on your Account maybe enforceability of the Agreement a any prig agreement, before inftiating, reflected in your aedR report. We normalty report to such credit reporting joining a partkipating in any judkial or arbitraYwn proceeding, as ehher agencies each month. If you believe that our report of your Account status an individual litigant or member of a class ("Praeeding"),the complaining k inaccurate or incomplete, please write us at the following address: party shall give the other party. (1) a written notice of the claim ("Claim Discover, PO Bax 15316, Wilmington, DE 19650.5316. Please include your Notce"), at least 15 days before inftiating arty Proceeding, explaining in name, address, home telephone number and Account number. reazonable detail the nature of the claim and any supporting facts; and (2) Our Communiwtiars with You. You agree that our personnel may listen to a reasonable good faith opportunity to resohre the claim without the or record telephone calls between you and our representatives without necessity of a Proceeding. This includes any da'mrs involving our parent addRianal notice to you, inducting but not limned to calk we make to corporation, subsidiaries, aff4iates (including, without limitation, DFS collect debts. We may use any medium permitted bylaw, ircluding but not Servkes LLC), predecessors, successors, assigns, az well az the officers, limned to mail, live telephone calk, automated telephone equipment, directors and employees of each of these entities. Any Claim Notice shall be prerecorded telephone calk, a-mail, text messages and calk to your cell sent to us at Discover, PO Box 3024, New Albarry, OH 43054 (w such other phone to contact you about your Account or to offer you products or address as we shall subsequently provide to you) (the "Claim Notke services that may be of value to you. H you prefer not to be contacted in Address") or to you at your address appearing in our records a, if you are one a more of these ways, you must either telephone us at 1.800•DISCOVER represented by counsel, to your attorney at your attorney's office. (1-800.347.2683) a write to us at Discover, PO Box 30961, SaR Lake City, UT Arbitration of Disputes. Agreement to arbftrate. In the event of any past, 84130-0961. _10_ i1DCM0_02BOK_TL23AG0211_OODaa.indd 1314 1/11/11 B:41 AM I I present or future claim or dispute (whether based upon contract, tort, to pursue a claim or dispute as a resuh of our electing to arbitrate that claim statute, common law or equity) between you and us arising from or or dispute. Send requests to Dixover, PO Bax 30421, Salt Lake City, UT relating to your Account, any prior account you have had with us, your 84130.0421. The arbtrator will decide who will uRimately be responsible application, the relationships which resuh from your Account or the for paying those fees.Yauwillonlyheresponsibleforpayingorreimbursing enforceability or scope of this arbitration provision, of the Agreement or of our arbhration filing, administrative or hearing fees to the extent you any prior agreement, you or we may elect to resolve the claim or dispute by would have been responsible for paying attorneys' fees and court or other binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER collection costs' had the action proceeded in court. In no event will you be YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT required to pay any fees or costs incurred by us in connection with an OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE•HEARING DIXOVERY arbitration proceeding where such a payment or reimbursement is RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER prohibited by applicable law. VOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN Hearings and Decisions. Any arbitration hearing will take place in the ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO federal judicial district where you reside. The arbitrator shall follow OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBRRATE ANY CLAIMS AS applicable substantive law to the extent consistent with the FAA and A REPRESENTATNE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY applicable statutes of limitations and shall honor claims of privilege GENERAL CAPACITY ("Vass Action Waiver"). recognized at law and shall be authorized to award all remedies permitted Notwithstanding arrything else to the contrary in this arbitration provision, by the substantive laws that would apply if the action were pending in only a court, and not an arbtrator, shall determine the validity and effect court. H requested by any parry, the arbtrator shall write an opinron of the Class Action Waiver. Even 'rf all parties have opted to Itigate a claim containing the reasons for the award. fie arbitrator's decision will be final in court, you or we may elect arbitration wfth respect to any claim made by and binding except for any appeal rights under the FAA and except that 'd anew party or any new claims later asserted in that lawsuft and nothing the amount in controverry exceeds 5100,000, any party may appeal the undertaken therein shall constitute a waiver of any rights under this award within 30 days to a three•arbhrator panel, which shall review the arbitration provision. We will not invoke our right to arbtrate an individual award de novo. Unless applicable law provides otherwise, the appealing claim you bring in small claims court or your state's equivalent court, 'd any, party will pay the cost of the appeal, regardless of its outcome. However, unless such action is transferred, removed ar appealed to a different court. we will consider in good fath any reasonable request for us to bear the fees Governing Law and Rules. Your Account involves interstate commerce and charged by the arbitration administrator and the arbitrators in connection this provision shall be governed by the Federal Arbitration Ad (FAA). The with the appeal. Judgment upon any award by the arbitrator may be arbitration shall be conducted, at the option of whoever files the enforced in any court having jurisdiction. arbitration claim, by either the American Arbitration Association (AAA) or Other Benefrciaries of this Aovisron. Our rights and oblgations under this JAMS in accordance wth their procedures in effect when the claim is filed. arbitration provision shall inure to the benefh of and be binding upon our For a copy of their ~ocedures, to file a claim or for other information, parem corpaations, subsidiaries, affiliates (including, wthout limitation, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, DFS Servkes LLC), predecessor, successors, assigns, as well as the officers, www adrorg (phone 1.800.778-7879) or JAMS at 620 Eighth Ave., Floor 34, directors and employees of each of these entities, and wiN also inure to the New York, NY 10018, www.jxnadccom (phone 1.800.352-5267). No other benefit of any third party named as a co-defendant with us or with any of arbitration forum wBl be permitted, except as agreed to pursuant to either the foregoing in a claim whkh is subjeR to this arbitration provision. Your the Changes to this Agreement section or a writing signed by both parties, rights and obligation under this arbitration provision shall inure to the If neither AAA nor JAMS is able or willing to serve as the arbitration bereft of and be bind'mg upon all persons contractually liable under this administrator and we and you are unable to agree on a replacement Agreement and all Authorized Users of the Account. adminstrator or arbtrator, then a court of competent jurisdiction will Survival o/this Aovhion. fia arbitration provision shall survive termination appoint an administrator or arbitrator or arbitrator (in the case of an of your Account as well as voluntary payment in full by you, any legal appeal to a panel of three arbitrators as described below). Unless consented proceedings by us to collect a debt owed by you, any hankruptry by you to by aN parties, no arbitration maybe administered by arty administrator and any sale by us of your Account or arbitrated by any arbtrator that has any formal or informal policy, rule Right ~ Reject Arbitration. You may reject the Arbitration of Disputes or procedure that Is inconistent with or purports to override the terms of section by provid'esg us • notice of rejection within 30 days after reserving this section. H we elect to resolve a claim or dispute by binding arbitration a Card, at the folowirrg address: Discover, PO Box 30938, 5dt lake Citx In and the arbitrator issues an award in your favor on a claim or claims with 84130.0938. tf you were previouslysubjectto arbitration with respect to any respect to whkh you would not otherwise be entftled to recover your account with us, this right to reject arbiVatan will not apply to you. Your arbitration filing, administrative and hearing fees, reasonable attorneys' rejection notice must indude your name, address, telephone number, fees andlor other arbitration costs, we wiM be responsible for paying or Account number and ignature and must not be sent wth any other reimbursing such costs and fees'rf awarded by the arbitrator. correspondence. Calling us to indicate that you reject the Arbtration of Fees and Costs. At your written request, we will advance any arbtration Dsputes section or sending a rejection notice in a mariner or format that filing, administrative and hearing fees which you would be required to pay does not comply with all applicable requirements is insufficient notke. In _ iZ_ , 13_ 11DCM0_02BOILTL23A00211_0009a.indd 1616 1l11A1 9:41 AM I order to process your notice, we require that the notice be provided by you You must contact us: directly and not through a third party. Rejection of arbitratan will not • Within 60 days after the error appeared on your statement. affect your other rights or responsibilities under this Agreement or your . At least 3 business days before an automated payment is scheduled, if you obligation to arbitrate disputes under any other account as to which you want to rtop payment on the amount you think is wrong. and we have agreed to arbtrate disputes. N you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with You murt notify us of any potential errors in writing. You may call us, but if respect to this and any prior account you have had with us, even if you have you do we are not required to investigate any potential errors and you may previously sent a rejection notce with respect to that prior account. have to pay the amount in question. LEGAL INTERPRETATION OF THIS AGREEMENT What Will Happen Aker We Receive Your Letter SeverabiOtK H any part of this Agreement becomes unenforceable, it will When we receive your ktter, we must do two things: not make any other part unenforceable, except that if the Class Action 1. Within 30 days of receiving your letter, we must tell you that we received Waiver set forth above in the Arbtration of Disputes section is invalidated your letter. We will also tell you if we have already corrected the error. in any proceeding in which you and we are involved, then the Arbtration 2. Within 90 days of receiving your letter, we must either correct the error of Disputes section will be void wth respect to that praeeding. a explain to you why we believe the bill is cared. Compliance with Interest Rate Umitatiorss. We intend that this Agreement yyh~ we investigate whether or not there has been an error. will comply with applicable interest rate limtations. You will not be . yye cannot try to tolled the amount in question, or report you as required to pay Interest Charges or other charges at a rate that is greater delinquent on that amount. than the maximum amount permitted by law H t is ever finally determined that, but for this section, the Interert Charges a other charges under this • The charge in question may remain on your statement, and we may Agreement would exceed the maximum lawful amount, the Interest continue to charge you interest on that amount. Charges and other charges will be reduced to the maximum lawful amount. • While you do not have to pay the amount in question, you are responsible Any excess amount that you have already paid will be used to reduce the for the remainder of your balance. outstanding balance of your Account or will be refunded to you by means • We can apply any unpaid amount agairut your credit limit. of a check in our discretion, After we fnish ow kvestigation, one of two things wiN happen: Governing law This Agreement and any daim or dispute arising out of , Hwe made a mstake: You will not have to pay the amount in question or this Agreement wiA be governed by applicable federal kw and, to the any interest or other fees related to that amount. extent state law appFies, Delaware law A59GNMENT OF ACCOUNT ' ~ ~ do rrot believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a We may sell, assign atransfer your Account a any portion thereof without statement of the amount you owe and the date paymert is due. We may notce to you, You may not sell, assign or transfer your Account without first then report you as delinquent if you do not pay the amount we think you obtaining our prior written consent. pyye, M you receive our explanation but still believe your bill is wrong, you must carte to us within 10 days telling us that you still refuse to pay If you do so, YOUi 811~IAg RIOhtS: we cannot report you as delinquent wthout also reporting that you are questioning your bill. We must tell you the name of anyone to whom we Keep This Document For Future Use reported you as delinquent, and we must let those organizations know This notice telk you about your rights and our responslbikies under the when the matter has been settled between us. Fair C?edR BR6ng AR H we do not follow all of the rules above, you do not have to pay the first What io Do N You Find A Mistake On Your Statement LSO of the amount you question even 'rf your bill is correct. If you think there is an error on your statement, write to us at Y_~tights ff You Arc Dissatisfred With Your Credit Card purchases Discover If you are dissatisfied with the goods or services that you have purchased PO Box 30421 with your vedt card, and you have tried in good faith to correct the Sak Lake City, UT 84130.0421. problem with the merchant, you may have the right not to pay the remaining mount due on the purchase. In your letter, give us the following information: To use this right, all of the following must be true: • Account information: Your name and account number. 1. The purchase must have been made in your home state or wthin 100 • Dollar amount: The dollar amount of the suspected error, miles of your current mail'mg address, and the purchase price must have • Descri ion ofproMem: Nyou think there is an enor on your bill, describe been mae than 550. (Note: Neither of these are necessary if your what you belkve is wrong and why you believe it is a mistake. purchase was based on an advertisement we mailed to you, or if we own the canpany that sold you the goods or services.) -14- -15- 11DCM0_02BOK_TL23AG0211_00083.indd 17-1a 1/11!11 9:41 AM I 2. You must have used your credit card for the purchase. Purchases made DEflNIT10NS: wfth cash advances from an ATM or wRh a check that accesses your credit Accident a Accidental means a sudden, unforeseen and unexpected event card account do not qualify. happening by chance, and includes unavoidable exposure to elements 3. You must not yet have fully paid for the purchase. arising from a covered Hazard. If all of the criteria above are met and you are still dissatisfied with the AccidenW Bod'dy I ' xsl means bodily injury which is Accidental, is the purchase, contact us inin wrRina at: direct source of a Loss, is independent of disease, illness or other cause and Discover occurs while this policy is in force. PO Box 30945 Acc u t means a Card account. SaR Lake City, UT 84130.0945 Benefit Amount means the Loss amount at the time the entire cost of the While we investigate, the same rules appy to the disputed amount as passenger fare is charged to an Account. discussed above. After we finish our investigation, we will tell you our Card means the Discover Card. decision. At that point, if we think you owe an amount and you do not pay, Cardmember means the holder of the Card whose name appears on the we may report you as delinquent. credR card. C~ means the federal Insurance Company. DESCRIPTION OF COVERAGE Co 'means travel on a kheduled Aircraft when the entire cost of SCHEDULED AIR TRAVEL ACCN)ENT INSURANCE the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account. Discovers Cardmembers are provided with 5500,000 Sdteduled Air Travel DecendeM ChBsl or Chidren means those children, including adapted Accident Insurance.' You, your Spouse, Domestic Partner or eligible children and those children placed for adoption, who are primarily Dependent Children for whom a ticket was purchased on your Card (as dependent upon the Insured Peron for maintenance and support and who defined below) will be automatically insured against Accidental Loss of Life are: (1) under the age of 19 and reside with the Insured Person; (Z) beyond arising from and occurring on a Covered Tiip while you, your Spouse, the age of 19, permanently mentally or physicalty challenged and incapable Domestic Partner or eligible Dependent Children for whom a ticket was of seH support; or (3) under the age of 25 and classed as full-time students purchased on your Card are riding as a passenger in or entering, exiting or at an institution of higher learning. being rtruck by a Scheduled Aircraft or a conveyance operated by a milftary Domestic partner means a person who: (1) is at least 18 years of age and transport service or riding as a passenger in or entering or exiting any competent to enter into a contract; (2) is not related to the Insured Person convtyance licensed to carry the public for a fee and while traveling directly by blood; (3) has exclusively 1'rved with the Insured Person for at least one to or from the airport immediately preceding the departure of a Scheduled year prior to the date of enrollment; (4) is not legally married or separated; Aircraft on which the Insured Person has purchased passage and and (5) as of the date of enrollment, has witfi the Insured Person at least immediatey folowing the arrival of a Schedule Aircraft on which the two of the following financial arrangements: (a) a joint mortgage or lease; Insured Person was a passenger. (b) a joint bank account; (c) joint title to or ownership of a motor vehcle or •Coverage is undervuritten by Federal Insurance Company, a member status as a joint lessee on a motor vehicle lease; or (d) a joint credit card insurer of the Chubb Group of Insurance Companies. Certain limitations account with a financial institution. Neither the Insured Person nor the and exclusion apply Domestk Partner can be married to, nor in a civil union with, anyone else. PLAN FEATURES mean the covered circumstances for whkh this insurance is THE BENEFITS: The fuH Benefh Amount (5500,000) is payable for Accidental provided as stated in Section III of the Declarations, Hazards, and described Loss of Life. The Loss must occur within one year of the Accident. in the Hazards form, as described on page 1 of this Description of Coverage, MAIOMUM IIMIT OF NISURANCE: ff more than one Inured Peron suffer Insured Person means all Cardmembers, their spouses, Domestic Partners a Loss in the same Accident, the Company will not pay more than the and Dependem Children, as well as authorized users of the Account maximum IimR of insurance (520,000,000) per Accident. M an Accident lass means the Loss of L'rfe. results in Bereft Amounts becoming payable, which when totaled, exceed L of ' means death, including clinical death determined by the local the applicable limft of insurance shown above, the maximum limft of governing medical authorzzes. insurance wiB be divided proportionally among the Insured Person, based 4I means DFS Servkes LLC, the entity responsible far the payment on each applicable Bereft Amount. In the event of muRiple Accidental of premium. deaths per Account arising from arty one Accident, the Company's liabil'ty for all such Losses will be IimRed to a max'nnum limit of inwrance equal to Sdutdtded Aircnft means an aircraft owned andlor operated by a two times the applcable Benefit Amount for Loss of Life. Benefts will be Scheduled Airline. proportionately divided among the Insured Persons up to the maximum Scheduled Air6re means an airline which is either of United States registry limit of insurance. and cert~ed by the Unted States government to carry passengers on a _t5_ _t~_ 11DCM0_02BOK_TL23AG0211_000Ba.'vidd 19-20 7A1H1 9:41 AM regularly scheduled basis a of foreign register and approved by the United CLAIM NOTICE: Written claim notice must be given to the Company within States government and the appropriate foreign authoring. 90 days after the occurrence of any Loss covered by this polity or az soon as means hostilities following a declaration of War by a government reasonably possible. Failure to give notice within 90 days will not invalidate authority. If there is no declaration of War, then (1) armed, open and or reduce any otherwise valid claim if notice is given as soon as reasonably continuous hostilRies between two countries or (2) armed, open and possible. continuous hostilties between two factions, each in control of territory, or CLAIM FORMS: When the Company receives notice of a claim, the Company claiming jurisdiction over the sRe of the area of hostility. will send you forms for giving proof of Loss to us within 15 days. If you do DISAPPEARANCE BENEFfiS: M the Insured Person has not been found within not receive the forms, you should send the Company a written description one year of the disappearance, stranding, sinking, wrecking or breakdown of the Loss. of any Scheduled Aircraft or conveyance in which the Insured Person was CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company covered az an occupant, R will be assumed, subject to all other terms of the within 90 days after the date of Loss, or as soon as reazonably possible. polity, that the Insured Person has suffered Loss of Lffe covered under this Failure to give complete proof of Loss within these time frames will not polity, invalidate any otherwise valid claim if notice is given as soon az reazonably EXPOSURE BENEFRS: Accident includes unavoidable exposure to elements possible and in no event later than one year after the deadline to submit arismg from a covered Hazard. complete proof of Loss. EUGIBItTTY: This insurance plan is provided to Insured Persons automatically CLNM PAYMENT: The Company will pay you or your beneficiary the when the entire cost of the passenger fare(s) on a Scheduled Airline is applicable Benefit Amount within 60 days after complete proof of Loss is charged to the Cardmember's Account while the insurance is effective. R is received and if you, the Policyholder andlar the beneficiary have complied not necessary for you to notify the Policyholder or the Company when with all the terms of the policy. Scheduled Airline tickets are purchased. ARBITRATION: In the event of a dispute under this policy, either the EFFECTIVE DATES: Your insurance under this insurance plan is effective on Company or the Insured Person may make a written demand for the later of: 1) April 1, 2007; or 2) the date you become an eligible arbtration. In that case, the Company and the Insured Person will each Cardmember. Your insurance coverage under this insurance plan will cease select an arbitrator. The two arbRrators will select a third. If they cannot on the earlier of: (1) the date the insurance coverage is terminated; or (2) agree within 15 days, either the Company or the Insured Person may the date you cease to be an eligible Cardmember. request that the choice of arbftrator be submitted to the American COST: This insurance plan is provided at no addRional cost to eligible Arbitration Association. The arbitration will be held in the state of the Insured Persons for Covered Trips. Policyholder pays the full cost of the Insured Person's principal residence. insurance. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS THE BENENtlARY. The Loss of L'de benefft will be paid to the beneficiary SERVICE CENTER AT 1.800•CLAIMS-0 (1.800.252.4610). designated by you. If no such designation has been made, that benefR will You can also go to the Company Web site (www.chubb.com), click on be paid to the f'rcst wrvivng beneficiary in the following order: a) your Report a Loss, select Accident, Benefits and Lrfe claims, select the spouse; b) your children; c) your parents d) your brothers and sisters, e) your appropriate form, print out the claim form, fill out and mail. You can file a estate. All other indemnities will be paid to you. If you wish to change your claim by mail or fax benefciary, you may request a beneficiary designation form by writing to MaiArg Address: CHUBB GROUP CIF INSURANCE COMPANIES the plan administrator at The Direct Marketing Group, Inc, 13265 Bedford CLAIMS SERVICE CENTER Avenue, Omaha, NE 68164 a at BeneficiaryrequestlTheDirectMG.com. 6001NDEPENDENCE PARKWAY EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an PO BOX 4700 Accident occurring while an Insured Person is in, entering, or exiting any CHESAPEAKE, VA 23327-4700 aircraft owned, leased or operated by this Pol'xyholder or any aircraft Fax Number. 1.800.300.2538 owned, leased or operated by an employee of the PoI'xyholder on behaH As a handy reference guide, pleaze read this and keep it in a safe place with of the Policyholder (this ezdusion does not apply to airvaft chartered with your other insurance daumenu This description of coverage is not a pilot or vew on one time charter basis), (2) an accident while an Insured contract of insurance but is a summary of the prircipal provisions of the Person is in, entering, or exiting any aircraft while ailing or training az a inwrance while in effect. Complete potiry provisions are contained in the pilot or crew member (this exclus'wn does not apply to passengers who Master Polity, which can be obtained from the Policyholder. temporarily perform pilot a crew functions in a I'rfe threatening Policyf19906-18-D6 emergency); (3) emoYwnal trauma, mental a physkal illness, disease, pregnancy, ch8dbirth a m'scarr'iage, bacterial ar viral infeRion, or bodily Pd'~cy Underwritten By Plan Administrate malfunctions (except bacterial i action caused by an Accident or from Federal Insurance Company The Direct Marketing Group, Inc. Accidental consumption of a substance contaminated by bacteria); (4) a member irnurer of the 13265 Bedford Avenue suicide, attempted sucide or Loss that is intentionally self-inflicted; or (5) Chubb Group of Insurance Companies Omaha, NE 68164 declared or undeclared War. 15 Mountain View Road, PO Box 1615 Warren, N101061-1651 _ 18_ _ 19_ 11DCM0_02BOK_TL23AG0211_Ofx183.indd 21-22 1/11/11 9:41 AM - T _ I i DESCRIPTION OF COVERAGE subject to all the terms of the Policy, the Company agrees to reimburse on SECONDARY RENTAL CAR COWSION COVERAGE an Actual Cash Value basis either the Insured or the Rental Agency for Discovers Cardmembers can beneflt from the security and safety offered repair or replacement of the Rented Automobile as a result of Collision through Excess Collkion Damage Waiver. If you rent a vehicle far 31 Damage to the Rented Automobile. The Company's liability will be for a consecutive days or less (or 45 days under certain circumstances described maximum reimbursement of 525,000. In no event will the Company be below) wfth your Card (as defined below), you may be eligible for benefits liable beyond the amounts actually paid by the Insured or the Rental under this coverage. Excess Collision Damage Waiver is an insurance Agency. program, underwritten by federal Insurance Company Policy #990617-63 • If you or an Insured's primary vehicle insurance or other coverage has (the "Policy"). made payments for a covered loss, Excess Collision Damage Waiver will DENNR10N5: cover your deductible and any other eligible amounu not covered by other insurance. Account means a Card account. • This coverage is not all-inclusive, which means it does not cover such Actual Cash Value means the cost to repair or replace the Rented things as personal injury or personal liability tt does not cover you for any Automobile at the time of loss, less depreciation. damages to other vehicles or property, h does not cover you for any injury Cardrssember means the holder of the Card whose name appear on the to any party. credit card. WHO IS COVERED: Card means the Discover Card. • Discover Cardmembers Cdlisian Damage means the direct and accidental damage to a Rented EXCLUDED RENTAL VEHICLES: Automobile caused by upset or collision with another object. Collision Off-road, antique or limted edition motor vehicles; trucks; recreational Damage does not include loss caused by missiles, falling objects, fire, theft vehides, campers, pickup trucks, and mini-buses; limited edition motor or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious vehicles or high value, exotic, high performance or collector type, High mischief or vandal'wn, riot or civil commotion. value motor vehicles are motor vehides whose replacement value exceeds Comoanv means the Federal Insurance Company. 550,000, and antique motor vehicles are defined as any vehicle over 25 Insured means Cardmembers and authorized users of the Account. yeah old, or any vehicle which has not been manufactured for 10 years or olP ir~dg~ means DFS Services LLC, the entity responsible for the payment more. of premium. WHERE YOU ARE COVERED: Renal Aaencv means a commercial automobile rental company licensed • Coverage applies to vehicles rented anywhere in the world. under the laws of the applkable jurisdictan. • Coverage is not available where prohibited by law. Rented Automobile means afoot-wheeled private passenger type motor WHAT IS NOT COVERED: vehcle or a minivan manufactured and designed to tramport a maximum Coverage does not apply to loss resulting from the following: of seven passenger and used excursively to carry passengers. A Rented Automobile must be designed for travel on publk roads and rented from • AnY dishonest, fraudulent or criminal act of the Insured. Rental e • Forgery by the Insured. Ag ncY• TO GEi COVERAGE: • Loss due to war or confiscation by authorfties. • The Collisan Damage Waiver Coverage is provided to you, as an Insured, • Loss due to nuclear reaction or radioactive contamination. automatically when the entire rental fee fa the Rented Automobile is • The Inuured being intoxkated, as defined by the laws of the jurisdiction charged or debted to your Account. lt is not necessary for you to notify where the loss occurred, or under the influence of any narcotic unless the Company at the time the rental fee b charged or debited to your prescribed by a physician. Account. • Use of the Rented Automobile to carry passengers and property for hire. • You must decline the LosslDamage Waiver offered by the vehicle Rental • Use of the Rented Automobile by a person other than the one authorized Agency. to operate the Rented Automobile bytheterms of the Rental Agreement. • You must rent the vehicle in your own name and sign the vehicle rental • Loss of use of the Rented Automobile. agreemeMhontratt • Intentional damage to the Rented Automobile by the Insured. • The coverage period will not exceed 31 consecutive days, or 45 • Damage whkh is due and confined to wear and tear, freezing, mechanical consecutive days 'rf the Insured is an employee of an organizatbn which or electrical breakdown or failure. has provided a Card to the Insured for business use. • Damage to tires unless the loss is coincident wfth a covered loss. THE KIND OF COVERAGE YOU RECEIVE: • Use of the Rented Automobile in tests, races or contests. In consideration of the premium paid by the Policyholder as required, and .The Rented Automobile being operated w located in any tenitory prohibited by the terms of the Rental Agreement. _20_ _21_ 11DCM0_0280K_TL23A00211_00083.indd 28-24 1/Y 1/11 9:41 AM fOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: INSURANCE DISCLOSURES To the extent that this plan provides insurance against damage to a rented As a handy reference guide, please read this document and keep it in a safe motor vehicle, the following terms and conditions apply: (1) the period of place with your other insurance documents. This Summary of Coverage iz insurance coverage will not exceed 31 consecutive days, or 45 consecutive not a contract of insurance but is simply an informative statement to days 'rf the Insured is an employee of an organization which has provided eligible Insureds of the principal provisions of the insurance while in effect. the Card to the Insured for business use; and (2) the insurance provided by Complete provisions pertaining to this plan of insurance are contained in this plan vvill be excess over any other valid and collectible insurance the master polity on file with Df5 Services LLC, herein referred to as the covering the Reined Automobile. However, the insurance provided under Policyholder. If a statement in this Summary of Coverage and any provision this plan may be primary'rf specifically provided for under the terms of this in the polity differ, the policy will govern. plan and 'd the folowing crfteria is met: (a) the Rented Automobile is Polity Underwritten By Plan Administrator rented for use outside the United States, its territories and possessions; (b) Federal Insurance Company ("Company") The Direct Marketing Group, Inc. the Insured is an employee of an organization which has provided the Card a member of the 13265 Bedford Avenue to the Insured for business use; and (c) the Rented Automobile is rented Chubb Group of Insurance Companies Omaha, NE 68164 without a driver. 16 Mountain View Road, PO Box 1615 HOW TO flLE A CLAIM UNDER EXCESS COWSION DAMAGE WAIVER: Warren, N107061.1651 In the event of a claim, written or verbal notice must be provided as soon Master Polity Number. 990fr17-63 as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS Effective date of benefits: Effective April 1, 2007, this guide replaces all SERVICE CENTER AT f-800•CLAIMS-0 (1.800.252.4670). prior disclosures, program descriptions, advertising, andlor brochures by You can also ga to the Company Web site (wwwchubb.com), click on any party. Policyholder and Company reserve the right to change the Report a Loss, select Accident, Benefits and Life claims, select the benefits and features of these programs at any time. appropriate form, print out the claim form, fill out and mail. You can file a Cancellation: Policyholder can cancel these benefits at any time or claim by mail or fax choose not to renew the insurance coverage for all authorized Mailing Address: CHUBS GROUP OF INSURANCE COMPANIES Cardmembers. If Poliryholder does cancel these benefits, you will be CLAIMS SERVICE CENTER notified at least 60 days in advance. If the Company terminates, cancels, 6001NDEPENDENCE PARKWAY or chooses not to renew the coverage to Policyholder, you will be PO BOX 4700 notified as soon as is practicable, Insurance benefits will still apply for CHESAPEAKE, VA 23327-47D0 any benefits you were eligible for prior to the date of such terminations, Fax Number. 1-800-300.2538 cancellation, or non-renewal, subject to the terms and conditions of CLAIM PROCEDURE: coverage. The Insured must send the Company mitten notice of a claim, including the Benefits to you: These benefits apply only to Cardmembers whose cards Insured's name and Pol'Ky number, within 90 days after a covered loss are issued by U.S. financial institutions. The United States iz defined as occurs. If notice cannot be given wthin that time, it must be given az soon the 50 United States, the District of Columbia, American Samoa, Puerto az reasonably possible. To file a sworn Proof of Loss, the Insured must send Rico, Guam and the U.S. Virgin Islands. No person ar entity other than the following information to the Company or its authorized representative: the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds andlor damages under or arising out of this • A copy of the Account statement showing the automobile rental coverage. These benefits do not apply if your Card privileges have been transaction. cancelled. However, insurance benefits will still apply for any benefit you • A copy of the automobile rental agreement were eligible for prior to the date that your Account is suspended or • A copy of the pollee report. cancelled subject to the terms and conditions of coverage of your • A copy of the initial daim report submitted to the automobile Rental Cardmember Agreement. Agency. Transfer of rights or benefits: No rights or benefits provided under these • A copy of the paid claim presented by the automobile Rental Agenry for insurance benefits may be assigned without the prior written consent of the Collision Damage for which the Insured is responsible, the Company. • Proof of submission of the loss ta, and the results of any settlement or Misrcprcseritation and Fraud: Coverage of the Insured will be void if, at denial by the applicable: insurance carrier(s). any time, the Insured has concealed or misrepresented any material fact • If no other insurance is applicable, a notarized statement from the Insured or circumstance concerning this coverage or the subject thereof or the to that effect interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Reminder. Please refer to the Insurance Disdosures section. Coverage for an Insured will be void if, whether before or after a loss, _2Z- -23- 11DCM0_02801LTL23Ari0211_00083.indd 25.26 1/11H7 9:41 AM _ _ i i the Policyholder or its subscribing organization(s) has concealed or will be responsible for all third-party fees and expenses for services misrepresented any material fact or circumstance concerning this requested, such as professional or medical fees. coverage or the subject thereof or the interest of the Insured therein, or Availability of Services. Certain services may not be available in all areas. in case of any fraud or false swearing by the Policyholder or its Call us at 1.800•DISCOVER (1-800-347-2683) for assistance or if you have subscribing organization(s) relating hereto. questions about a specific destination. Outside the U.S., call us collect at Addition of New Insureds: All eligible persons will he automatically 1-801-902-3100. While AXA Assistance will make every reasonable effort insured under this Polity. to provide the services, neither AXA Assistance nor Discover Bank or our Examination Under Oath: It is a condition of this insurance that the respective affiliates will be liable if a service is not provided or for any Insured and the Poliryholder, as often as may be reasonably required by services that are provided by third parties. The services and these terms the Company, will submit, and within its power cause others to submit, and conditions are subjeR to change without notice. 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 Beneftt to Others: This coverage will in na 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, k 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 sJch 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 ar the Insured may make a written demand for arbtration. 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 arbtrator 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.coMtravel to learn more. EBgibility. 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 _2q_ -25_ 11DCM0_0280K_TL23ACa0211_00063.irMd 27-28 1/11/11 9:41 AM I - T _ EXHIBIT "B" 1 _ _ _ i Nevr Bolanoa Minimum Payment Due Acccunt Number ending in 1623 DISCOVER $0.00 $4,263.00 Enter Amount Enclosed Below Payment Due Date ~ June 26, 2012 .~,s~~~~ 31 S()SN6A01 OD01667 Text APP to DISCOV' to receive a link to our TERRIE PRAYER ireemobileappandpayyourbillinseconds FREDERICK PRAYER from anywhere! 50 EASTGATE DR CAMP HILL PA 17011-1309 PD BOX 6103 CAROL STREAM IL 60197-6103 Address,e•mailortelephonechange6 I~I~~~II,~~~t~lllrltr~rrrlrllrrrrtllllrrtrrllr~~rrrrrllrtlrt~~ Go to www.Discover.com or print change in space above. D00001986458155020155000DDOOOOODOD00426300 Opening Date: May 11, 2012 Closing Date: May 31, 2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $0.00 Minimum Payment Due $4,263.00 Account number ending in 1623 Payment Due Dote June 26, 2012 Previous Balance $19,669.37 Lab payment Woming: If we do not receive your minimum Payments And Credits 19,664.37 payment by the dote listed above, you may have to pay a tote Purchases + 0•~ fee of up io $35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs For new transactions maybe increased vp io the Penalty Cash Advances + 0.00 qpR of 29.99% variable. Fees Charged + 0.00 Interest Charged , , + 0.00 New Balance - - - $0.00 Manage Your Account Online at www.Discover.com See Interest Charge Cdculation section Following Securely access statements and free online fools, pay bills transactions for detailed APR information online and crack and view all transactions simply and easily Credit line $16,400.00 Make your money worth morel-find easy ways io earn Creditline Available $0.00 and redeem cashrewards Cash Advance Credit Line $8,300.00 NEWT Access your account securely through your Cash Advance Credit Line Available $0.00 mobile phone 3 Easy Ways to Contact Us Cashback Bonus° 1 Access your account securely at www.Discowr.com Anniversary Month 2. Call 1-800•DISCOVER (1.800.347-2683 October Please have your Discovermcard availob e. O enin Cashback Bonus Balance $ 0.00 3. Write to us at Discover, PO Box 30943, P 9 + 0 ~ Salt Lake City, UT 84130 (Not a payment address( New Cashback Bonus This Period For payments, please send to address on remiRance or Cashback Bonus Balance $ 0.00 Discover, PO Box 6103, Carol Stream, IL 60197.6103 To team more, log in at www.Discover.cam assistanDceeplease edl 1800.347-7449. the Deaf) ,Transactions Trans. Past Date Dale :Payments and Credits May 31 May 31 INTERNAL CHARGE•OFF $ 19,669.37 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged - - TOTAk INTEREST FOR THIS PERIOD S -0.00 - 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 175.00 70TAL INTEREST CHARGED IN 2012 2,240.35 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS :VER _ _ VER P`ry TEP.RIE PRAYER D1SC© ti s to^ Account number ending in 1623 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate {APR is the annual interest rate on your account. Current Billing Period: 21 days TYPE OF BALANCE RTE (APRjERCENTAGE INTEREST RATEECT TO INTEREST CHARGE Purchases 07/26/2010 and after 29.99% V $0 $0 07/25/2010 and prior 28.996 $0 $0 Cash Advances 28.99% $0 $0 V =Variable Rate Additional Important Information See your Cardmember Agroement. Your Cardmember Agreement contains aN the terms of your Account. lost or stolen cards. Report immediately) Call 1-800-347-2683. Whof To Do If You Think Yov Find A Mistake On Your Stafemenf If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information: • _Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Descri lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a misia ce. ~ Yov must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in~wn~ting. 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 fi•ue: • We cannot fry io collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your siatement, 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, yov are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Riahfs If Yov Are Dissatisfied Wifh Your Credit Cord Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem wish the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: ! 1 The purchase must have bean made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was ! based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify. ` 3. You must not yet have Eully paid For the purchase. ! If od of the criteria above ore met and you are still dissatisfied with the purchase, contact us in writing at: i Discover, PO Box 30945, Salt Lake City, U7 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. Aker we Finish our irnestigotion, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ,Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum .Payment Due by the Payment Due Date. Send only }rour payment and the top portion of this siatement in the envelope !provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check iio make an elecronic Fund trans"ter from your account at the financial institution mdicoted on your check or to process the !payment as a check transaction. If pa eat is processed as an electronic fund ironsfer, the transfer will be for the amount of 'the check. When we use information from your check to make an electronic fund transfer, funds ma be withdvawn From your ;account as soon as the same day we receive your payment, and you will not receive your check back from your financial !institution. !The processing of your payment may be delayed iF you send cash, correspondence or other items with }rour paym®nt, if you send the payment to anyy other address or if you use an envelope other than the one provided. Payments recerved m proper ','form at ovr processing taeflity by SPM bcal time on any dayy wiR be credited to your Account as of that day. Payments received at our processmg Facilely aRer 5PM local time wiR be credited io yyrorour Account as of the next day If you have mispbced your envelope, send your payment io Discover, f'O Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 ;days For delivery. tf your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ~~SClVER IN THE COURT OF COMMON PLEAS OF CUMBERLAND COiUNTY, PENNSYLVANIA DISCOVER BANK c/o DB SERVICING CORPORATION Plaintiff vs. TERRIE L. PRAYER FREDERICK C. PRAYER ' Defendants NO. NO. 12-5068-CV CIVIL ACTION DEFENDANTS' PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT c _ '~ '~- N a ~~ w -c c ~° -,o z~ ~ ~ N --~ ca --c -- Pursuant to Pa.R.C.P. No.'s 1017(a), 1028 (c), Defendants, Terrie L. Prayer Frederick C. Prayer, by their attorney, preliminarily object to Plaintiff s Complaint as follows: 1. Plaintiff filed a Complaint, specifically a Civil Action demanding non-specific damages in the amount of $19,669.37, plus interest and costs. 2. Plaintiff asserts Defendants were issued an account without specifying any agreement to terms and/or conditions was made by Defendants prior to the of said account. 3. Plaintiff asserts Defendants were issued an account without specifying when said account was issued. 4. Plaintiff has failed to assert whether such agreement, if it existed, was in writing, in contravention of Pa.C.R.P. No. 1019(h). 5. Plaintiff has failed to attach a signed written contract between Defendants ~I -Y~ r~ n~ :~.. c;~ itself. Such writings would lie at the very core of Plaintiff's case, but such writing not been appended to the Complaint, nor its absence explained, as required by Pa.R.C.P. No. 1019(h) and (i). 6. Also of grossly insufficient specificity are Plaintiff's pronouncements containec in Pazagraphs 13 and 14 of its Complaint, that the "balance" is a sum certain, with absolutely no allegations tending to show how said amount was determined and when i was charged-off. 7. The Complaint fails to provide any detailed documentation or accounting of charges allegedly made by Defendants, which would support Plaintiff's claim of damages, such as a breakdown of charges, payments, and interest, so that Defendant can properly formulate and assert any affirmative defenses, setoffs or counterclaims a; required by Pa.R.C.P. No. 1019 (f). 8. For the reasons outlined above, Plaintiff's Complaint is preliminarily objectionable pursuant to the provisions of Pa.R.C.P. 1028(a)(2)(3), and (4). WHEREFORE, Defendants ask that this Honorable Court to require Plaintiff to file a curative amended Complaint within twenty (20) days of any Order requiring the same, or thereafter suffer a dismissal of the action with prejudice upon praacipe of Defendants. 2 T Date: ~ ~` ~ Respectfull ubmitted, BY: Meredith All ,Esquire Allie & Donham, LLC Attorney for Defendants Supreme Court ID 203302 2040 East Mazket Street York, PA 17402 Ph: 717-814-5899 Fax: 717-814-5411 3 PROOF OF SERVICE The undersigned hereby certifies that on the below stated date, she will be serving a true and correct copy of the within Preliminary Objections to Plaintiff's Complaint by regulaz first-class mail, postage pre-paid, addressed as follows, which service satisfies the requirements of Pa.R.C.P. No. 440: Ralph Gulko, Esq. Pressler and Pressler, LLP 804 West Avenue Jenkintown, PA 19046 Date: ~ ~ ~\ ~/ Respectfully S miffed, BY: Meredith Allie, Esquire Allie & Donham, LLC Attorney for Defendants Supreme Court ID 203302 2040 East Market Street York, PA 17402 Ph: 717-814-5899 Fax: 717-814-5411 4 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ?t 1-1LEJ-Ct` Jody S Smith THE ROTHONO '. Chief Deputy 2012 SEP -6 AM 10' 13 Richard W Stewart Solicitor _ SUM AND CQUNT? P SYLVANIA Discover Bank vs. Case Number Terrie L. Prayer 2012-5068 SHERIFF'S RETURN OF SERVICE 08/20/2012 07:32 PM - Shawn Gutshall, Deputy Sheriff, who being duly swom according to law, states that on August 20, 2012 at 1932 hours, he served a true copy of the within Complaint and Notice, upon the within named defe dant, to wit: Terrie L. Prayer, by making known unto herself personally, at 50 Eastgate Drive, Camp Hill, umbedand County, Pennsylvania 17011 its contents and at the same time handing to her personally the said true and correct copy of the same. S`HA UTSHALL, UTY SHERIFF COST: $43.00 August 28, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF (c) CountySuite Sheriff, TeleosoR. Inc. Ralph ~.~ulk~r~ , Esq.. ID#327'? 1 .. .~ PRESSLEwR and PRESSLER, LLP Attorneys ~~or Plaintiff `~ +.', ~ ~ ~-" " 804 West Avenue. ~Tenkintowr, PA 19046 ;~" ,°~,.,°; ~'',-;'-~'~~`_~ 7.-21.5-575-1900 ~~''_, ;,~-', ~'1 ~`;`~'~~~ IiISCOVER BANK C;/0 DB SERVICING CORPORATION 6500 NEW ALBANY RD EAST NEW ALBANY OH 43054 Plaintiff, -versus>- TERRIE L PRAYER FREDERICK C PRAYER 50 EASTGATE DR 50 EASTGATE DR CAMP HILL, PA 1.701.11309 CAMP HILL PA 170111;09 Defendant(s) File # P159795A COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Civil Action - :Law. j ~.~ NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims ~;et forth in the following pages, you must take action within twenty (20} days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be errY_ered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to 'you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.. IF YOU DO NOT HAVE A LAi~JYER,.GO TO OR TELEPHONE THE OFFICE SET FORT$ BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. TF YOU CANNOT AFFORD TO $IRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITS INFORMATION A'BOIIT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Le hen demando a usted en 1a corte usted quiere defenderse de esters demanders puestas en las pagiras siguientes, usted ti veinte (20) dies de plazo al partir de la 'echa de la demander y la notification. Hace falter asentar. una comparencia escrita o en persona o con un abogada y entregar a 1a corte en forma escrita sus defenses o sus objec~-ones a 1as. demanders en centre de su persona. Sea avisado que si usted no se dej`iende, la cou.rte tomara medidas y puede continuer la demander en contra suya sin previ.o aviso 0 notification. Ademas, 1a Corte puede decidir a favor del demandante y requiere que usted cumpla ccr, todas las provisiones de ester demander. Usted puede perder dir.ero o sus propiedades a otros derechos importatntes Para usted. USTED DEBE LLEVARLE ESTA DOCUMENTO A SU ABOGADO IHI~DIATAMENTE. 5I NO TIENE; ABOGADO 0 NO PUEDO CORKER CON LOS.GATOS DE UNO, VAYA O I,LAME POR TELEFONO A LA OFICINA EXPUESTA ABAJO. ESTA OFICINA PUEDE POVEERLE INFORMATION RESPECTO A COM (J CONTRAT.AR A UN ABOGADO. SI NO PUEDE CORKER CON LOS GASTO$ PARR CONTRATAR A UN ABOGADO, .ESTA OFICINA PUDIERA PROVEERLE INFORMACION RESPECTO A INSTTTUCIONES QUE PUEDA21 OFRECER SERVICIQS LEGALES :A PERSONAS QUE CALIFICAN PARA LA REDUCCION DE HORORARIOS O QUE NO TENGAN QUE PARAG HONORARIOS. CUMBERLAND COUNTY BAR AS50CIAT].ON 32 SOUTH BEDFORD STREET CARLISLE., PA 17013 800-990-9108 PRESSLER and PRESSLER, LLP BY: FRANCIS X. GRIMES, ESQUIRE LD. #62404 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 DISCOVER BANK 12 Reads V~~'ay New Castle. DE 19720 Plaintiff VS. TERRIE L. PRAYER and FREDERICK C. PRAYER 50 EASTGATE DR. CAMP HILL, PA 17011 Defendant(s) Attorney i:or Plaintiff COURT OF COMMOl~ PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION-LAW No.: 12-5068-CV SECOND AMENDED CIVIL ACTION 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 l9"~20. 2. Plaintiff is engaged in interstate commerce and is subject to various federal laws and federal banking regulations; and, Plaintiff does not conduct business within the Commonwealth of Pennsylvania within the meeting of any statutes and/or regulations pertaining to foreign corporations. 3. Discover Bank is the issuer and owner of the Discover credit cards which are issued to consumers pursuant to an extension of credit agreement with them. 4. DB Servicing Corporation, is affiliated with and is the servicing agent for the Discover credit card accounts for Discover Bank. It creates and maintains all of the records in connection with all of the activities and/or transactions regarding the Discover accounts. 5. "The Defendant(s), is/are adult individual(s) believed to be residing at: the address contained in the above caption. 6. ~t the written request of the Defendant, and relying on information received 1~-om the Defendant, Plaintiff issued a Discover credit card to the Defendant(s), so that the Defendant(s) could make purchases or other forms of credit from various merchants who were authorized to accept the credit card from the Defendant(s) in lieu of payment by the Defendant(s) to the merchants. A copy of the Defendant's written application is attached :hereto as Exhibit "A". 7. The Defendant(s) received the physical credit card issued by the Plaintiff; together with a written Cardmember Agreement (extension of credit agreement), which agreement contains the terms and conditions governing the use of the credit card between the parties hereto. Plaintiff attaches hereto as Exhibit "B" a copy of the Defendant's Cardmember Agreements applicable to the Defendant(s) account. 8. The Cardmember agreement is in writing however, is not signed and is not required to be signed by the parties as the Cardmember agreement only becomes effective and assented to by the Defendant(s) upon the use of the credit card. See Discover Bank v. Stucka, 2011 PA Super 241 (Pa. Super. Ct,, 2011). 9. Thereafter, on sundry and various occasions, the Defendant(s), pursuant to the extension of credit agreement, used the credit card for purchases and/or other fot7ns of credit and maintained a mm~ing account, a copy of which was provided to the Defendant(s~. Attached hereto as Exhibit "C" is a copy of the Defendant(s) montl'ily Cardmember statements for the periods ending June 6; 2009 through May 10, 2012 and copies of the L)efendant's payments made on account. 1 ~. The Defendant(s) by acceptance and use of the Discover card has assented and ratified the terms and conditions of the Cardmember Agreement/account each and every time they utilized the Discover credit card, as well as by continuing to make pa}~rnents to the Plaintiff after receiving monthly statements summarizing the activities and/or transactions on the account. 11. The Defendant(s) by use and conduct with the Discover Card have impliedly represented to the credit card issuer that the Defendant(s) had the ability and the intention to pay for the use of the Discover credit card. 12. The Defendant(s) have not disputed any of the charges in writing within sixty (60) days cif receipt of the monthly Cardmember statements as required pursuant to the Fair (,'redit Billing Act ("FCBA";I, an amendment to the Truth In Lending Act ("TILA"), 15 U.S.C. ~ 1601. 13. Plaintiff believes, and therefore avers, that the Defendantls) last payment in regard to their Discover obligation was processed on or about September 30, 2011 and as a result. thereof; the Defendant(s) is in breach of their obligation to the Plaintiff; and as a further result thereof, the obligation of the Defendant(s) to satisfy the entire balance in regard to the credit card account became accelerated. 14. The outstanding balance which was due on the credit account as of May 10, 2012 was $19,669.37; and, although repeated requests and demands have been made upcni the Defendant(s) by the Plaintiff to satisfy the balance, the Defendant(s) is still in breach. of its obligation on the account and have failed to repay the account balance and debt due the Plaintiff. COUNT I -BREACH OF CONTRACT 15. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 16. In addition to the balance on the account as indicated above, the Plaintiff may incur additional damages for accrued interest, costs and request payment of the same by the Defendant(s) pursuant to the terms of the Cardmember Agreement and/or applicable la~~~. 17. Plaintiff, through its counsel's investigation, has determined that the Defendant(s) is/are not in the military service. 18. THIS COMMUNICATION OF PLAINTIFF'S COUNSEL IS FROM A DEI3T COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Terrie L. Prayer and Frederick C. Prayer, in the sum of $19,669.37, plus costs in accordance with law. COUNT II -ACCOUNT STATED 19.. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 20. The Defendant(s) has/have, by their use of the credit card, impliedly assented. to the terms and conditions of the account and is/are now in breach of the account for their failure to pay the outstanding balance due and owing. 21. "The Plaintiff mailed to the Defendant(s) monthly account statements when the Defendant opened their account on October 29, 1990 and continued to mail monthly statements reflecting account activity, and therefore, an account was stated by virtue of the Defendant's receipt and acceptance of those monthly statements, Defendant's making many ~ninirnum. monthly payments pursuant to the statements, the Defendant's continued use of t]le credit account and other payments and Defendant's acceptance of the monthly statements received. ?2. I3y virtue of the Plaintiff's ongoing rendering an account, the Defendant( s j receipt, acceptance and payments thereon of Plaintiff's rendering an account, the Defendant(s) has/have assented to the correctness of the account. 23, By virtue of the Defendant's failure to dispute any charges in writing, pursuant to Federal Law as herein.before described, reflected on the rnonthly statements provided to the Defendant(s), the Defendant(s) has/have accepted and agreed to the correctness of the account. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Terrie L. Prayer and Frederick C. Prayer, in an amount less than the Court's Arbitration limits, plus costs in accordance with law. COUNT III -UNJUST ENRICHMENT' ?4. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 25. Defendant(s), by the use of the Discover credit card account and the extension of credit. received the benefit of the same which was given on the said credit account and has/have failed to make payment for the receipt of the said benefit. 26. As a direct result of the receipt of the benefit of the extension of credit understanding as above, the Defendant(s) has/have been unjustly enriched in an amount less than the Court's arbitration limit, to Plaintiffs detriment. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Terrie L. Prayer and Frederick C. Prayer, in an amount less than the Court's Arbitration limits, plus costs in accordance with law. i ~~ ~aTE:: ' ~ ~ i'S "~ ~; ~~. ,, '~ ~" - ~ _--~ FRANCIS X. GRIMES, ESQUIRE °Attorney for Plaintiff vEUIFIC,a~rlorr 1, ,LAMES BALL, hereby state that I hold the position af'I'eam Leader with DB Servicing Corporation, and that 1 am authorized to take this Verification on behalf of Discover l3anl: and DB Servicing Corporation, the servicing affiliate of Discover. Bank. I certify that Discover Bank is the issuer and owner of the credit card obligation(s) of Terrie L.. Prayer and F'rcdcrick C. Prayer (card number SO11-0020-1052-1623) and that the l~alance owed as of May 31, ?U12 was $19,669.37. The Plaintiff lacks sufficient knowledge or information to execute this verification., how<;ver, 1 have sul'kicient knowledge acid information in my position a.s Team Leader with DB Servicing Corporation which is a subsidiary of Plaintiff grad is the servicing affiliate of Plaintiff. THAT, in my capacity as Legal }'lacement Account Manager, I have access to records regarding the Discover Card account of the above referenced Defendant(s), and further, that I have personally inspected said account and statements regarding the balance due on said account. IaH Ser~ricing Corporation maintains these records in the ordinary course of business. The undersigned verifies that the facts contained in the within pleading are true and correct to the best of his knowledge, information and belief and understands that the statements therein are made subject to the penalties of 18 Pa..C..S..A. 4904 relating to unsworn falsification to authorities. D~t~ ~ ~ ~ ~_~ ~:~ DAMES A L i A ~~~Y~~~~~~ ~~~~~ t ease read :this Agreement caretulty before using the plscover Card, contains the terms and conditions of the Discover Card Account, Mme of which may have changed from earlier materials provided fo ru. in the event of any dflterenCes, this Agreement shall control.. AGREEMENT TERMS: The word Card means any one or more Dis- cover Cards issued to you or to an authorized uses The word Account means your Discover Card Account. The words you, your, or yours mean you, the cardmember, and any:person or persons who ate also contractually•irable .untler.this, Agreement. i'he words we, us and our mean Greenwood Trust Company, a Delaware bank. ACCEPTANGE OF AGREEMENT. The use of your Account or the Gard by you or anyone whom:you.authonze pr permitao:use;yqurAccouq~.araite Card means you. acceptahrs Agreement: HoWgu~r.;-only tf::,yau;ar'e:a resident of NoRh:Ca~oi+na;or;Wrsponsin, the Annual Membership :Fee provided for in Section 15 w+ll be.charged.to your Account:r,Ggardle s of whether you use your Account arfhe Card:;' unless-:you `have cancelled,your Account as prov+ded~'for m Section 19.;wlthrn 30,days.ofaeceipt.of,your Card. USf~OF`YOUR ACCOUNT•AND THE`CARD.'You agree that you will only use yourAccauni~or the Card foh~persorifi#; family, household and char- itable purposes. Your Account or the Card may not be used for busi- ness or commercial .purposes or to obtain loans to purchase, carry or trade in sec.Urities. Rrior..to Its use, each Gard: must be signed by the person to wfioni'it rs issued:'Your, AGCdUnt and. the Card'may be used for the folldwing. purposes: • To purchase or ,ease goods or. services from participating estabishments. • To obtain cash-advances by means of .automated teller machines or checks in accordance with such add+tional terms arwd conditions as may be imposed from time to time, • To .guarantee. personal checks, at participgting establishments sub- ject fo cash .availability and such, condrtiiins as the .participating establishments. may impose. Any guaranteed personal check returned unpaid for which we .become gable shall be .treated as a cash advance and a returned check and shall t:~ subject to a Returned Check Charge. * To guarantee hotel reservations at participating establishments, You wilt be liable for guaranteed reservations that are not cancelled prior to 6 p.m. of the date of arrival or such other time as the establish- ment may impose, We are not responsible for the refusal o! anyone to accept or honor the Card. The Card is our property. You must return it to us or our agent upon request. AUTHORIZED CARD USERS. If you want to cancel the authorized or permitted ;use of your. Account or the Card by another person, you must notify us in writing and recover, cut :n half and return to us any Card in such ,p.erson s possession, LIA9lLITY FOR UNAUTHORIZED USE. If the Card is lost or stolen, or if you think that someone is using your Account or the Card without your permission, notify us immediately, You can notify us by telephoning us at 1-800-DISCOVER, or by writing us at DISCOVER CARD, P.O. Box 33507-NY REV. 4190 15156, Wilmington, DE 19$86-1002, You may be liable for the unau- Ihorized,~use ~ot your .Account or,•the,.Card: Y'ou will not be liable for unautlior+ied use that occurs after you notify us; ora#fy or"in writing, of the:#oss, theft or possible unauthoriedelse. 4n.any.case, your liability willriot-exceed $50.00, l:1NE:OF CRED#T. VJe will advise you~.ot your fine of credit. We.may increase•or.decrease your. fine of credit fromtirne,.to time. if you. exceed"or attempt to exceed yotar iirie of crec(it, you will be in default, PROMISE. TO PAY.. You .agree to pay us in U.S..DoUars for ail purchases and cash advances, inc#uding applicable Finance Charges and oiher:charges ar fees, incurred by you or an)rone you authorize or'pei•mjt,to.pse yo+ar.Account or the Card,. Even tf.yoti:do~not.notify us that others are using your Account or"the Card.~We will cdhvert purchases and cash-'advances made. in .a foreign currency ;to :U:S. Dollars ~at the rate t;xisting on the date of conversion, If .you; pay •us in otherahan ll.S. Dollars, we may,refuSe to"accept.the payment or• pharge.your Account our cost to cofrvert.your,payment~to.lJ,S: Dollars. Ail Checks must be drawn ori, funds on deposrt in.the U.S.;if your Account is a joint Account, each df you agrees-to be liabla individually and jointly for the entire:amouht. owed on your .Account We can accept late payments or partial payments or'checks and money orders marked "pay,ment•in full" withouT.losing any of our nghts under this Agreement. t3, MQNTf~LI' BiLLtNG.STATEMENT We will send qou ;a piliing:statemerit after each monthly billing cycle 'hi which you have a debit or credit' bal- ance jn•Excess of $1.00. The bil~ing statement:wiil show,all•purchases, casfiadvanaes; Finance Charges and other iiharges or'fee5 and.alf pay- ments arpther credits posted to: your Account dllringg~ahe6illing cycle: It willshgw.your New Balance,'Minimum•Payment~•Due'and Payment Due Date.' Purchases wilt be identified by the amount and date'of the transaction, the date of posting to your Account, the seller's name and .the pity:and State or forergn.eountry where the transaction~.took,place. ---- - ,--r,-.,~asta:.af+!ances will be ider-fified ~~the'amount of the transaction, the date of.ihi: transaction (either the date the cash advance is obtained or the, date of the credit document) and the date of posting to your Account: 9. 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. Alhpayments must be rnailed or delivered to us at the address shown on your monthly billing statement or byy using the envelope enclosed with such.siatement. Ail payments will be applied in the following order: Finance Charges and othercharges or fees, cash advances in the order made and purchases in the order made: 10. MINIMUM MONTHLY PAYMENT. The Minimum Payment Due each month will be either (a} the entire New.Balance showrrorryour billing statement if the New Balance is less than $1G.00, br (bj tlie.greater of $f0:00 or an amount equal to ~/36th of the New Balance rounded to the next higher whole dollar amount. You can pay ahead. The'minimum~paymeht due for each monthly billing cycle wiii be reduced by the amount you t-ave paid in excess of the Minimum Payment Due, as calculated in (a) and (b) above, in any of the three previous monthly billing cycles, less any portion of the excess already used to.reduce payments. However, there will be no reduction if you have exceeded your line of credit or if you have paid the entire "Vew Balance shown on your billing statement. 11, FAILURE TO.MAKE MINIMUM PAYMENT. If you do not make at least the Minimum Payment Due by the Payment Due Date each month, you wilt be in default REDIT BALANCES. We will refund any credit balance within seven Cash Advances usiness days from receipt of your written request..f you do not aquest a refund, we will automatically refund credit balances greater A. A Finance :Charge .is imposed on crash .advances (except as, referred to in paragraph (C) below) from the date of transaction to the date tan $1.00 which remain in your Account after two billing cycles. of repayment. INANCE CHARGES. tive will-impose Finance Charges as follows: B. For each billing cycle: purchases (1) We multiply the Monthly Periodic Rate times the Average Daify Balance of Cash Advances. The.Monthly Periodic Rate is 1.fi5% A. A Finance Charge is imposed on purchases (except as referred to (which corresponds to an ANNUAL PERCENTAGE RATE of 19.8%} in paragraph.C below} fram the date of posting to your Account to unless you are a resident of Maine, North Carolina or Wisconsin, the date of repayment. in which case the Mon#h!y Perodic Rate is 1,5rYo ((which corresponds ' to an ANNUAL PERCENTAGE RATE of 18%). fhe Average Daily 6. For each billing cycle: Balance of Cash Advances is the sum of the daily unpaid balances (1) We multiply the Monthly Periodic Rate times the Average Daily Balance of Purchases. The Monthly Periodic Rate is ;t:65% of cash advances an each day of the billing cycle covered by your currentbilling statement divided by the number.'of days in the bill- (which corresponds to an ANNUAL` PERCENTAGE RATE of 8%} unless you are a resident of Maine, North Carolina or 19 trig cycle. =Such ~ unpaid balances are determined by deducting payments and credits applied; against such unpaid balances acid ' . Wisconsin, in which case the:Monthly Periodic Rate is i:5%. (which corresponds to an ANNUAL PERCENTAGE RATE of by adding unpaid finance charges; in each ease, as of the date pdsted to your Account and by adding new cash advances as of 18%}. The Average -Daily Balance of Purchases is the sum Qf the ,date of the. transaction. the dartyy unpaid balances~of purchases on each day of the bill- statement divided b r current billin d b (2) We multiply the Monthl Periodic Rate times the Average Daily Balance of Previous Billing Cycle Cash A,dvanees. The Monthly g y yyou trig cycle covere cycle. Such :unpaid balances the number of days to the biliing Periodic Rate is 1.65% (which corresponds to an ANNUAL , are determined by deducting payments and credits applied against such unpaid balances and by adding new purchases, PERCENTAGE RATE of 19.8%} unless you are a resident of Maine, North Carolina or Wisconsin, in which case the Monthly Periodic un aid.finance charges, fees and other charges, in each case, o Rate is 1..5% (which corresponds, to an ANNUAL PERCENTAGE Daily Balance;"of RATE of 18%). The Average Previous 'Billing f the date posted to your Account. as . , Cycle Cash Advances is the sum of the unpaid balances of cash (2) Wi: multiply the Monthly Periodic. Rate times the Average Daily advances itemized on your last billing statement an~ each day of l i li d b bi li i id Baiance of Prewdus Billing Cycle Purchases. The MonthlyPeri- ' l e covere y your last ed by the b ng cyc l ng statement d v i a b PER. odic Rate is 1.65iYo.(which corresponds to an ANNUAI. in id df M the number of days in the bill ng cycle. Such unp alances are id determined by deducting payments and credits applied against such a ent e, CENTAGE RATE of 19.8%) unless you are, a res North Cardiina or Wisconsin in which case the Monthly Peri- unpaid balances and by adding unpaid finance charges, ,m each odic Rate is 1.5% (which corresponds to an ANNUAL PER- case, as.of the date posted.to your Account and:by adding new CENTAGE RATE of 18%). The Average Daify Balance of cash advances as of the date of the transaction. Previous Billing -Cycle Purchases is the sum of the. unpaid bat- --------~GM~-alsv-charge a one-time FINANCE CHARGE for cash advances ances of purchases itemized :on your last billing statement on equal to 2.500 of the amount of each new cash advance, with a each day of the b8ling cycle covered by your last billing state- minimum FINANCE CHARGE of $2.00 and a maximum FINANCE merit divided by the number of days in the billing cycle. Such CHARGE of $10.00 (except for cash. advances which are made in unpaid balances are determined by deducting payments. and respect of guaranteed persona! checks for which we become liable). credits applied against such unpaid balances and by adding This charge may result in an ANNUAL PERCENTAGE RATE for cash new purchases, unpaid finance charges, fees and other advances which is higher than the nominal ANNUAL PERCENTAGE charges, in each case, as of the date posted to your Account: RATE. (3) We add the amounts determined under (1 }and (2) to obtain the (4) We add the amounts determined under (1), (2) and (3;1 to obtain the Finance Charge on Cash Advances. Finance Charge on purchases. C. A Finance Charge (other than the one-time iFinance Charge in sub- C. AFinance Charge is not imposed an: paragraph B(3) above) is not imposed on: {1} New purchases posted during a billing cycle if (a}you paid the {1) New cash advances postedduring a billing cycle if (a) you paid New Balance shown on the billing statement covering the pre• the New Balance shown on the billing statement covering the ceding billing cycle by the Payment Due Date shown on that preceding billing cycle by the Payment Due Date shown on that bilting statement ar such New Balance was zero and (b) you billing statement dr such New Balance was zero and fib) you pay pay the New Balance shown on the billing statement itetnizing the new purchases by the Payment Due Date shown on that the New Balance ;>hown on the billing statement itemizing the new cash advances by the Payment Due Dane shown 'on that billing billing statement.. statement. {2) Old purchases previously posted for a billing cycle during {2) Old cash advances previously posted for a billing cycle during which. you pay the New Baiance shown on the billing statement covering which you pay the New Baiance shown on the biting statement the preceding btlling cycle by the Payment Due Date.shown on that covering. the preceding billing cycle by the Payment Due Date billing statement; shown on that billing statement. D. Atl forms of cash advances, including the use of Discover Card Checks, regardless of the purpose for which used, shall be subject to the Finance Charges as set forth above. rrvy.NY RFV. 4/90 h Advances A Finance;Gharge:is rmposeq on .cash-advances .(except as referred co in 'paragraph (G) below,) from, the date of transaction to the date of repayment. For each bjlling<cycle: (1) We :multiply the Monthly Periodic Rate trines the Average D.ail~ L•_.'~\l aLl.'... I~ ~-:..J::. ,rise.-:.. .1 ~CCff. to by gainst:'sucn unpalo'oaiances and jes, in each'ease, as of the date . adding new ca.sh.ai3vances as of 111V MiIFV 1 ,V (2) We ntultrply the. Monthlyy Periodic Rate times the AVi Balance. of Prsvious.Billing tsydle Cash Advances. Tl E of 189'0)..;: The Average .:Daily Balance of,:;Previous.,Bllling le .Cash Advances is'the sum of the unpaid balances of cash arises itemized on your last 'bdlrngstatement~rm each day of bi8ina.e~cle-covered~by your.iast brlii.ii_g statement divided by unpaid;bafances and by~dding <tlnpard ;finance<~fjarges; ;in each .case, as of the date .posted, io your Account. and' by addrn.g new cash. advances as of t;he date bf the transaction. (3) We also charge aone=time FINANCE=CHARGE-for cash advances equal`to 2 5~.o``of the amount Hof each new cash advance, with a mmirnuin FINANCE CHARM tot:$2.00 and a maximum FINANCE CHARGE of $10.00 (except fio~ cash advances which are;made in respect of guaranteed personal:checksfar which:we:becomeliable). This charge may,result in art ANNUAL.PERCENTAGE RATE for cash advances which rs higher than the nominal ANNUAL PERCENTAGE RATE. (4) We~add the amounts determined under (1), (2) and {3) to obtain the. .Finance Charge on'Gash Advances.. A Finance Charge ,~(dther hen the oneytime Finance' Cha'rge' in sub- paragraph B{3) above) rs not imposed on: {1) New cash advances posted during. a,billing cycle 8 (a) you paid the New Balance shown on:the billing statement covering the ppreceding ;billing cycle by the Payment Due -Date shown on that billingg statement or such- New' Balance w.as zero and fib) you pay the`New Balance shown on the billing statement itemizing the new cash advances by the Payment Due Date shown on that billing statement. (2) Dld cash advances previously posted for a billing cycle during which you pay the New.Balance shown on the billing statement covering the preceding bilking cycle by the Payment Due Date.shown on that billing statement. 14 MtNiMUM FINANCE CHARGE We wtll. charge .you a.minimurr EINANCi,CHAFGE of $.50.for any;brlkrng cycle m whrch a FINANCE ;C~IARGE ,pf lesS;than $:50 would;;otherwlse be jmposed. 15: "ANt~~UA1'.i`MEM$FRSNIP FEE (QNLY ~NU)`tTH ,GJIROL1NA~::ANO WISICO:NS)N'R:EStDENTS.) If you:~are:a resf~ent of Nortft:'Cardiina or as a;purchase; for each Account.::Such fee will! be~w,aivetl'tor,the first year you;are;a.:Cardmember unless you brrcame a C~rdmember through aceeplance of :a special offer firorrt us in wfireh `case, all or a portion Hof the fee;. may be'waived ,or rebated m aceordance~ wrth the -terms of `such offer. You may .have more-than one-Gard per A~ecount; but still be charged only one fee-for that Account: Onless you notify us nat to renew your.Account, the fee will `be pasted:to your Account annually. dupng:tfre biling: cyole following the expiration month;shown on file .face of~i:yot~ Card. 16. RETUf)NEl):CHECK CHARGE. WeWil1 charge you a:Returned Check Charge°of~.$15.00 earth time you pay uswith qtr we-guarantee a.check that as:retumed unpaid. 17. LATE~CHARGE. We will charge yqu a.Late Charge of~~$1O:g0 if yo,~ fail to •make, "a required payment wrthrn 20 days: after the Payment Due Date'iri=any manth. 18. DEFAULT-COLLECTION COSTS, You are.in defiiult if you, fail to comply vrith the terms of this Agreement,.jncluding failing to make a required payment when due or exceeding yourlini: of credit: If yqu:areln de#ault and vle:refer the collection of your Accountto an attorney; we may charge;:you .reasonable attorneys'~fees.and court or:other ootlection .costs as permitted liy law and ~ actually incurre.d,by:us: 19. GANCELLATiON. You mayy cancel your Account by notifying us in writing and ,returning the Cartl #o us cut. rn=half. t)#°.cour~e, you .will st0lbe'responsible to pay any :amount you owe us according to the terms bf this Agreement. We may cancel or suspend your Account at any timewithout notice. If we do cancel or.suspend yourAccount, we mayd.eclare the entire balance of your Account immediately due and payable without notice: 'rf.you arQQ.in default, rf we have a reasonable -~ - - ~~ ts~;:you are unable or unwr4ling to repay yourobligations to ^ us, if you are insolvent or in bankruptcy„ or if you die: 20.~P-RNAGY: We may investigate your credit, employment and income records and verify your credit references. We also may report to credit reporting agencies and other.creditors the status and payment history of your:Account, We will not release this information to any other party without your prior written permission or proper legal process, unless you are rn default or rf you file a petition in bankruptcyy, rn which case we may release information regarding your account to'thrrd,parties retained by vs to assist us in enforcing our rights under ahis Agree- - meet. However, we may include your name and address and other identifying information on lists of cardmembers furnished to companies selling products or services that may. be of interest to you. Our super- visory personnel may listen to telephone calls between you and our representatives in order to evaluate the quality of our service to our cardmembers. 21. CREDIT AUTHORIZATIONS. Certain purchases and cash advances will require our authorization prior to completion of the transaction. In Borne .cases, you may be asked to provide identification. li our authorization system is not working, we may not be able to authorize a transaction, even if you have sufficient available credit. We will not be diabie to :you if any of these events happen, All forms of cash advances, including the use of Discover Card Checks, 22. CHANGE OF TERMS. We may change any teem or part of this Agree- regardless of the purpose far which used shall be subject to the Finance merit; including finance charge rate, fee or method of computing Charges as set forth above. any balance upon which the finance charge rate is assessed, by I ~ ~. f~ :~ ~; ~~ ;~ ,, ii G~SHBAC~K ~~~:N~US® T'E~t1~S ~1~D CQNC}iTIONS The Cashback Bonus Terms and Conditions are not a part of the Card- member Agreement. 1. Cashback Bonus is an amount denominated in dollars and cents which may be earned by Discover Cardmembers by using their Discover Card for purchases. Cashback Bonus© is not earned for cash advances. Cashback Bonus is subject to these terms and conditions and is sub• ject to change without notice. Cashback Bonus is subject to dis- qualification prior to being awarded in circumstances described below. 2. Cashback Bonus is calculated based on an annual period correspond-. ing to the Cardmember's anniversary yeas The first anniversary year begins on the date the Card is issued and ends on the last day of the twelfth monthly billing period which follows. Each successive anniver- nary year is the approximate one-year period comprised of the next twelve monthly billing periods. 3. The amount of Cashback Bonus is calrulated by multiplying each pur- chase by: _ • .25% (.0025), i'the purchase is part of the first X1,000 in purchases during the anniversary year • .50°~ (.aa5a), if the purchase is part of the second $1,000 in pur- chases during the anniversary year • .75~~0 (.00751, if the purchase is part of the third X1,000 In purchases during the anniversary year ~resen;'ry, rJash'7ack Bonus is awarded by means of (i) a credit tc ~ccour', if he amcunt is less than 9.50, and (ii} a check mailed is he Car_me Aber (by either fiat class or third.class mail}, if the amours a $.5U or:,c~~eat+:-r, Cardmemters have tone option of depositing their ;ashback Bonu::, in a new or existing CiiscoVer Savers'.Account wi~t- ~~ qualifying ~~epr,~sit ,i.e., currently, X1,0{)0) and~~having the=Cashback Bonus amo! nt doubled. The doubled pottion of the Cashback Bonus i> con;>dere~7 interest incomr: for fede~ai tax purposes and must~bE reporte~t as such. f. E3eginni;zg in 19'1, the doubled portion of the Cashback Bonus which is available as a result of depositing the Cashback Bonus in a Discover Savers' Account ~,viH be Hmited to $25. As indicated above other change to Cashback Bonus, including this dout~iing option, may be eff~:cteo. 7, Cashback Bonus is awarded to Cardmerrrbers in goad standing at the time o`, the aware. Cardmembers who are delinquent at the time of thi award may, at the option of Discover Card, have iheii Cashback Bonu: applied automatically as a credit to their Account. 8. In the event a Card is lost or stolen, the amount of Cashback Bonus, tht amount of qualifying purchases and the anniversary date~from the ok Account are transferred to the new Account. 9. Discover Card reserves the right to make. appropriate atljustments tc Cashback Bonus amounts in respect of Account activity {e.g., a credi~ to an Account in respect of a prior purchase will result in a reduction n' Cashback Bonusl. i CBB REV. 2190 • 1.0% (.01), if the purchase is part of the purchases in excess „of $3,000 during the anniversary year The total of such calculatipns for each anniversary year is the amount of Cashback Bonus which will be awarded as described below. The calcu- lation begins again wish the beginning of each anniversary year. The Cardmember's monthly billing statement will show the amount of Cashback Bonus and total purchases through the date of the statement . for earh anniversary year. Cashback Bonus is awarced shortly after each anniversary year. The exact method of award may change from year to year, but the Card- member will have the opportunity to receive Cashback. Bonus rn a cash equivalent (i.e., check or credit to the Cardmember's Discover Card Account}, As part of the award method, the Cardmember may have the opportunrty to make an election or to exercise a choice as tc the manner in which Cashback Bonus is awarded or the award redeemed. The failure to make such election or choice on a timely basis may result in the exercise of default options or in the disqualification of the Cashback Bonus award. tt is the Cardmember's responsibility to notify Discover Card in the event a Cashback Bonus award is not reserved for any reason, Cardmembers have. no right to accrued but unawarded Cashback Bonus amounts; if an Account rs closed for any reason prior to the anniversary date, amp accrued Cashback Bonus will be forfeited. { A`~LSTA~"~4L11`~ f~S~i~fJ~~~ Cpt~PA`N~f;" F i ,. 'Horne: 0#f;/r;,~Hta4nl~an~gi~i~'t~~f~n t~,le~,r,~r,l;{grfc. 5 ~ b~r ~ti od st n ~ ~ ~yo u Ir.l l.. t4x• Y .. .r~ r. - Irurv,o fury sustainer issenger whE f common c cuasz~a bilrty,~r mental-r~terdation as defined m the IeT~s~e~rtsu~arm~~s~r~~or~e nor one ~r~sur~ea~er~on.eno reSU~,fwrthrn~ days ~f the acgrderit, directly and... t~r~fiaNfott~et e~auses,trt~iea"tl3 4 ~" means ndlpg'in orvporl,ur ertenng into oralighting CARRIER ACCIDEN7Al~pEA~H INSURANCE gay the appl~cabfe~ccider~~lOeath benefit amounts for u e is ~.r~aryeu ~n auvdr~t,e, ar7u~iut a5. a put~r Ur-nreW ` j conveyance prov~tled ~rtd, t~perated by a duly~l-cens- I j r~for regular passenger serince'by iantl; wafer.or air. t , ',r ~ , BENE~~T`~Q~NT Abcidet~tal~3eath Benefit wh~ttxfr~ured'rson'~tvll fareys~charg~ ed ~n~~tlvance to the Disc©v~~ ~ar~,~cdciupt,., I ~ ~, 1~ Air`fravel`` ~ardr~errfb~r .p0~OD0 ,.ti _ 'Dependent ~ 'f SSy~ i~A{ ~ ~~ A~~~pr :Travel `Cardrneri~b8r:~r11~ _ $1,p4,(~00" ,. -L EfsCLU~l01~S ;; p '; Ac~rtlQntai~eath:Benef-ts:t~r~i#got;paya6lef~rarc~~aths~causedby: ~;~,~~i~~~~~ gr self destru~~tt~r~,~~r 4 _ ~. ~ _~ . . ~ebl~r.e~~or ur~dNClared,~~r Vii: any act thereof , . Y~` !~ ~~~~~T~ON 0~ COVEIRA~~ ,r ~~nsur~nce on each Insi~red~P~et~st~n ~11,~u~+;a a~~~~errn-nate ~t~~¢~~r ~ m;. on the date'st'l~`~t ~hqy ~~Yb~ ' , I ~- , ~~X~~~ ~~1ix re= ~qurC~rneta' o~ an~ln~>ured~Per~~nryas~efila~d,`~~ ~.,~ptt~~r~ination o~te,Mter R,olicy Terrnina'~~i~~t~all b~uu~~~r,~f~G1i.io~ariy: .cla-m=.or~grrfat~rig:pnor to:the`e~f~ec~ve°~a~e flf~~rm~t~ation. n w. a ~ GEN~~AL ~iPROViSNONS - ' " gEN~'F11~1ARY Unless otfenryr-s~=spectlietl~by,the Cardr~ember; al?y sum fife under the policy fo'r ioss~llfe of an ~si~rQtl>~~erson Will;be paid,.-> 1 fo the Gacdmember, if `hv~ng; otherwise, ,' 2 to the spouse of the Cardrnember, ~f living, ptherwise, 3 eq-aally~o the:then:livinc~ lawful ch-1tlt~'n ~sf the Oar~dmember' :~°#'„~r;~y stepi;h~ltlren and adopted-children,-if any, othervnse; ! 4; ,equally fb the Cartlmember's ~pa~ents`or:parent then living, otherwise; . 5;to-tt~~,~siote of the Cartlmember:. ,, ,. -CHANGE OFNBENEFICIARY The'Cardmernber rnay.~hange:-the benefici~r~ ~t any time by venting to,,Allstatet Q,t~cettaq~l~ar~ge rs recardetihbyAllstate it will take cffeot~s~.~f~.~~ye~~Equest' was signed,, subject to any ciatm payment made I~fgr~tsuch reporting. The .consent of the'bene~ibiary is ~nb~ ~r~e~de~d;tor the:.; chan9e. HO.W TO RE'PORT.A CtAiM UVntten nopce of d~m~r~,ust~e given : ' to Allstate at rts.Horne Office wrttin six rnorfths ;~ftetthe~occur- rence o't:any loss covered by the .Palioy,, or as sot?n.~s re~onabiy possible , Notice given by or ors behalf of the cfa~martt pr the bene~iarjr with rnformafian sufficient to identify tfie 1n~i7rEd Person;stiall be deem- ', etl notice: i ~n.p the ~:~ .. ~. 1 ~~ ! ~` ~: ~, t; ~ o ~.. ~o~samrn se, Allsta# Iood relat? ood faitl;4 gent: ~' .:: af~f~~Ss,a~'regw~~d, and no such ~aC~ n~r~~{~~Tr6ate"~zla~#tex thr~e~~ars ~~or~~~~~fiime wptten p~~~f~ea~~~el~~f. ~ ` sAi + ~'r'~;w`x i'S,q w~ i ,Va is ~~ `~ ~r<~ It i'°}' y _..`~ ~' ;~,' ,. t ~>-, A'TE I AWSI~A~yr`rov~torl of the palicy~ ~ whir', orir1~=;f~ffec~~u~ date, is m confiic~ ~r~th any law:to.,which rt>s suhje~,, tssa~er,~,~d;to conform to tt~e,~r~ur~.~equirernents ~ Y't ~ tf llF ~ t AtJ1~Qf~~ Allstate at tts own expense shal~,hav~;thE ngh~ and oppo,.1r-~ty ~ maltp ~n autop~ly where~t+-s ~~: lav}r ~ tt ,~.. i~~ka r~ rql~, ~ rc r '.it '"=!y * ;:,f' .. +ert~..w.# FS,v~(~ff~~~~CVY'T~1~'1 ~~ ~, f~A~f_STA'~>; L1~ ff~SUf3RfVG~ COMf?;~~f~"~. r ~ti,... ~ ~t . s ti ~o'b~rt~~ F~e~fer ~.our~~. t"~~,~,~rA tl Secrear~r=` Rre~~r~"~~ r~ .~ ~_~ . ,. ~.-~- !NS'•NY REW. 4l9~ Your Biffin~ f~ight~ KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibi}iiies under the Fair Credit Billing Act. questioned amount while we are investigating, but you are stilt obligated to pay the parts of your bill that are not in question. Notify Us in Case of Errors or questions About Your Bill 1f you think.yourbiN is wrong, or if you need more intorma- tionabout atransaction onyour bill, write us on a:separate sheet of paper at tiie atidr~ss listed on your bill for Notice of Biiling,frrors. Write 1o us as soon as possible. We must hear from you no`Iafer than 60 days -after we sent you the first bit) on which~the error or problem appeared. You can telephone us, but doing as wilt not preserve you: rights. In your letter, .give us the following information: • Your name and account number. • The doNar amount of the sus~ected error. • Describe the error -and exp ain, ~ii .you .can, why you believe there is an error. If you need more information, describe the item you are not sure about. 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 wilt 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: itowever,`if our explanation does not satisfy you and you write us within ten days telling us that you stilt refuse to pay, we must tali anyone we report you to that you have a question about your blfl. And, we muss tail you the name of anyone we reported you to. We must #eil anyone we report you to that the matter has been settled between us when it finally is. It you have authorized us io pay your credit card bill.au~to---~"~"'""'~-~ matically 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. Your Rlghis 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. Withir- 90 days, we must either correct the error or explain why we believe the bill waa correct. After we .receive hour letter, we cannot try to collect any amount you question, or report you as delinquent..We can continue to bill you br the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any it we don't folinw these rules, we can't collect the first S50 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 have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two fimitat}ons on this right„ (a) You must have made the purchase in your home state or, if not within your home slate, within 100 miles of your current mailing. address; and (b) the purchase price must have been more than 550. These limitations da not apply it we own ar operate the merchant,, or if we mailed you the advertisement for the goods or services. BR REQ.'. 10189 DISCOVER YOUR DISCOVER® ACCOUNT CARDMEMBER AGREEMENT ................Pages 7-14 The terms and conditnons of your Account, including how we calculate Interest Charges, our fees and an Arbitration of Disputes section. You have the riyh t to reject the arbitration provision with respect to your new Account within 30 days afrer receiviny 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 OF COVERAGE ...............Pages 16-24 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondani Rental Ca Collision Coverage that is provided at no charge tc; ye:>u when you use your Card to purchase airline tir_kets or rent an automobile. GLOBAL TRAVELER'S HOTLIINE ............... Page 24-25 The terms and conditions of this free travel assistance benefit. ~~2011 Discover Bank. Member FDIC T'.:_'8AG.0211 "OCMQ 0280K_TL23AG0211 _00083.intld 1-2 'ri ~-1 941 AM CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discovery Card Account h 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 seRion on page it includes a waiver of a number of rights, including the right to a jury trial. The Right to Reject Arbitration section on page 13 describes the procedure you must follow'rf you desire to rejeR the Arbitration of Disputes section. DEFINITi0N5 .................................... ..... ... .. 2 USING YOUR ACCOUNT .......................... _ .... ... .. 2 Your Acceptance of this Agreement ................... .. 2. Permitted Uses of Your Account ................... .. 2 Prohibited Uses of Your Account ..................... .. Purcnases and Cash Advances in Foreign Currencies .. Cash Advances ............. _............... _ .. Balance Transfers ........... ................ 3 Credit Authorizations ....... ................ .. _...3 Authorized Users ............................. _. 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 .............. 5 How We Apply Paymentr .... ................ ... 5 Minimum Monthly Payment . ................ .. 6 Skip-A-Payment Offers ...... ................ _ 6 Credit Balances ............ ................. 6 Pay-BY•Phone .............. ................ _ ...6 INTEREST CHARGES ............ ................ .. .6 How We Calculate Interert Charges ............ ... 6 Balance Subject to Interest Rate .............. .. .7 Payinglnterert ............ ................ .. .. .... Annual Percentage Ratez .... ................ _ ... ..7 Variable Interert Rates ...... ................ _ .. ...~ Penalty APR .......... .... ................ _ ... 8 FEES ......................... ................ ...8 Cash Advance Fee .......... ................ .8 Balance Transfer Fee ........ ................ _ .. .,.. ...8 Foreign Currency Fee ............................ .. .. ...9 Minimum Interert Charge .................... _ ...9 Annual Fee ................................. .9 Late Fee ................................... ..... .. ...9 Returned Payment Fee ..................... .. ... .. ...9 Returned Discover Card Check Fee ............. ..... .. ...9 Research Fee .............. .............. _ ...9 DEFAULT AND CANCELLATION .. ................ .. .. .9 t ~.iDCMQ.^.2BOK TL23AG0211 _00083.indd 3-4 I;-1 t-~, gp1 AM Types of Default ................................... ..........9 Consequences of Default ............................. .........10 Cancellation ........................................ .........10 PRIVACY AND OUR COMMUNICATIONS WITH YOU ......... .........10 Our Privary Policy ................................... .........10 Reporting to Credit Agencies ......................... .........10 Our Communications with You ........................ .........10 Releasing Information About Your Account ............ .........11 Elernonic Notices to You ............................ .........11 Notices - Changes to Your Information ................ .........11 CLAIMS AND DISPUTES ................................. .........11 Merchant Disputes .................................. .........11 Claim Notices .. ................................... .........11 Arbitration of Disputes ............................... ........ 11 Right to RejeR Arbitration ........................... .........13 LEGAL INTERPRETATION OF THIS AGREEMENT .............. .........14 Severability ........................................ .........14 Compliance with Interest Rate Limitations .............. .........14 Governing law ..................................... .........14 ASSIGNMENT OF ACCOUNT .............................. ......... 14 DEFINITIONS Account" means your Discover Card Aaount. 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 Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" 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, including the Arbitration of Disputes section on page 11. You may, however, rejeR the Arbitration of disputes section as explained on page 13. Permitted Uses of Your Account Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtair cash advances from participating automated teller machines, financial institutions or other locations, the purchase of totter, ticketr, 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 transacions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as vve map offer from time to time. In addition, your Account may be used to guarantee reservat~ors at participating establishments. You will be liable for guaranteed reseria*.ions that are not cancelled priorto the time specified by the establishment. Your Account may be used for personal, family, household ar~d 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 Currendes. If you make a purchase or cash advance in a foreign currency, it will be converted to U.S. dollars using either agovernment-mandated rate, agovernment-published rate or the interbank exchange rate, depending on the country antl 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 Currenry Fee for each purchase made in a foreign currency as described in the Foreign Currenry Fee section on page 8. Cash Advances. We may periodically offer you promotional ~ates on cash advances for the time period specified in the offer, subject to the Penalty APR section. The offer may conl:ain a Cash Advance Fee for each cash advance. Balance Transfers. In our discretion, we may periodically cefer you the opportunity to make balance transfers from other creditors or tc make other transactions to your Account by means of balance trarsfer coupons or checks. The rtandard purchase rate applies to balance transfers. However, we may periodically offer you promotional rates on halance transfers for the time period specified in the offer, subject tc 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 transaRion 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 tc 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 tc yoc. if any of these events happen. Authorized Users. If you want to cancel the authority of a :wrent Authorized User to use your Account or a Card, you must notify as and destroy any Card in that person's possession. You car notify us by telephoning 1-800-DISCOVER (1-800-347-Z683), or by writing Discover; PO 3 "~. '.DCMO. ".2BOK_TL23AG021'. 00083.indd 5-6 !11.' ; 5:41 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. 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. Yeu can notify us by telephoning 1-800-DISCOVER (1-800-347-2683), or by writing Discover, PO Box 30943, Soh Lake City, UT 84130-0943. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Aaount or a Card and to comply with such procedures az 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 Interest 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 vailt 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 interest rate, tee 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 includes 45-days advance written notice in some circumstances. In addition, to the extent required bylaw, we will offer you the opportunity to reject a change. For example, law requires, with 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 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 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 4 using your Account or a Card. If you pay us in other than U.~. 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 Accoun±. We can accept late payments or partial payments or checks and money orders marked "payment in full" or with any other restrictive endorsement without lasing 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 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. It will show your New Balance, Payrnent 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 mus pay at least the Minimum Payment Duey as described in the Minimum Monthly Payment section. All payments must be made in accordance with the term< stated on your monthly billing statement, as well as the payment cut-off time stated in this section, and we will credit your A¢ount in accordance with those terms and this section. Payments received in proper form at our processing facility by SPM local tune 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 must 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 m accordance with applicable law, Each billing period, to the extent your payments exceed the Minimum Payrnent 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 transaction category (as referenced in the INTEREST CHARGES section), from hiyhert 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. 5- 11DCM0.92BOK TL23P.G0211.00083 indd 7-8 Uri ~- 941 AM Minimum Monthly Payment. The Minimum Payment Due for a billing period will equal. (i) the greater of • f4t?; • Z°-; of the New Balance shown on your billing statement for that billing period; or • current Interest Charges plus Late Fees plus $20; (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 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 Payment Due and will notify you when this option is 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 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 yow Account after 6 months. Pay-By-Phone. We may from time to time allow you to make payments by authorizing us over t:he telephone to transferor pay funds from a deposit account to your Account. We will not charge you aPay-By-Phone Fee. INTEREST CHARGES How We Calculate Interest Charges -Daily Balance Method (including current transactions): We figure Interest Charges for each billing period. To do this • We calculate your Interest: Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled Paying Interest). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaaion 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 fer each transaaion category for each day during that billing period. 6- When we calculate daily balances, we add a new transaction as o` the Transacton Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Aaount. All fees charged to your Account are added to the standard purc~ase 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 tothe applicable balance transfer transaaion 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 rtatement Is the average of the daily balances during the billing period. Paying Interest. We begin to impose Interest Charges on all transactions and fees from the Transaction Date shown on your billing statement forthe transaction or fee. However, if a vansaction 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 o~ the billing period in which it is posted to your Account. We begin to impose Interest Charges on Interest Charges from the date they are added to your Account. We continue to impose Ilnterest 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 afterthe close of each billing period exceot that it will be at least 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 statement, we will not impose Interest Charges on new purchases, that is purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. As more fully described in the seaion titled "How We Apply Payments," we apply payments in a manner most favorable or convenient for 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 orate period en 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 1(i65th 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 "Prune + (percentage points)." For purposes of this Agreement, the Prime Rate is the ~ 1DCMG '~280K; TL23AG021 t_00083.Indd 9-10 is+.1 t ; 9:41 AM ', highest rate of interest listed as the "prime rate" in the Money Rates section of The Wall Street Journal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. If you have a variable rate, your 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 vue may, in accordance with applicable law: (i) terminate the availability of any promotional APRs on new purchases and balance transfers; and Iii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. Each new variable Penalty APR for a new purchase or balance transfer is determined by 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, f the promotional purchase rate was 2.99°/ and the rate for o*.her purchases was 15.99°/ and you paid late once, the rate for all new purhases could increase up to 20.99°h 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 RatesseRion. We will baseyourPenaltyAPRon 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 Penalty APR will apply (the "Penalty 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 Penalty 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 purrnases 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 different 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 Cash 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 minimwn Balance Transfer Fee of S 10 -,nd no maximum. Foreign Currency Fee. We will charge you a foreign Currenry Fee of i% of the U.S. dollar amount of each purchase made in a foreign currency. Minimum Interest Charge. We will charge you a minimum Interest charge of $.50 for any billing period in which Interest Charges of less than $.SG 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. Late Pee. 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 825, except the amount of any subsequent Late Fee assessed during the next six billing periods after a Late Fee is assessed is $35. 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 by law. 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 $25. except the amount of any subsequent Returned Payment Fee assessed during the next six billing periods after a Returned Payment Fee iz assessed is $35. The Returned Payment Fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the paymem was returned to us and will never exceed the amount permitted bylaw. Returned Discover Card Check Fee. We will charge you a Returned Discover Card 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 $25, except the amoum of any subsequent Returned Discover Card Check Fee assessed during the nerd six billing periods after a Returned Discover Card Check fee is assessed is $35. The Returned Discover Card Check Fee will never exceed the amount of the check and will never exceed the amount permitted by law. Research Fee. We may charge you a Research Fee of $5 for earn copy of a billing statement or sales slip that you request. However, we will not rharge a fee if you request copies in connection with a billing error. DEFAULT AIVD CANCELLATION Types of Default. You are in default if you become insolvent, f you ile a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unuvilling to repay your obligations to us; if you are declared incompetent by a court or if a tour. 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 reauirnd payment 9 11DGMG 0280K_TL23AG021 t_00083.1ndd 11-12 Vir i 9-41 AM when due, exceeding your Account credit line or using your Card or Accoum for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of Default. If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of moneythat 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 o• 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 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 arty Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privary 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 Privary Policy includes a summary of the personal information we tolled, 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 Agendes. 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, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Our Communications with You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to called debts. We may use any medium permitted bylaw, 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. If you prefer not to be contacted in one or more ofthese ways, you must eithertelephone us at 1•B00•DISCOVER (1-800-347-2683) or write to us at Discover, PO Box 30961, Salt Lake Ci±y, UT 84130-0961. -10- Releasing Information About Your Account. We provide various methods by which you can obtain information about your Account. We will only release >uch 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 againrt 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 statements and change cf terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices -Changes to Your Information. If you change your e-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 1-800-DISCOVER (1-800-347-2683) or by writing Discover, PO Box 30943, Salt Lake City, UT 841311-0943. If your Account is a joint Account, any notice we mail to an address you have provided for ±he Accoun? will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept er honor a Card or to accept checks that we have provided yoc. If a merchant fails to provide your purchase to your satisfaction ant you request a credit to your Aaount, 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 Uaim Notices. In the event that you or we have a claim that arises ftom or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account o~ 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 "'iaaim Notice"), at least 16 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any supporting facts; and (2) a reasonable good faith opportunity to resolve the claim without. the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers. directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbifrate. In the evem {if any past: tt - iDCMO 0290N: TL23P.G0211 00083.indd 13-14 i/~1 1 ~ 94'. AM present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may eleRto resolve the claim or dispute by binding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Anion Waiver"). Notwithstanding anything else to the contrary in this arbitration provision, only a :ourt, 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 conrtitute a waiver of any rights under this arbitration provision. We will not invoke our rightto 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. 't'our Account involves interstate 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 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, 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 arbitra*.ion forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both parties. If neither AAA nor JAMS is able or willing to serve as the arbitration administrator and we and you are unable to agree on a 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 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 ari 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 Cosis. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay 12- to pursue a claim or dispute as a result of our electing to arbi*.rate that claim or dispute. Send requests to Discover, PO Box 30421, Salt Lake City, UT 84130-0421. The arbitrator will decide who will ultimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' fees and court or other collection costr" 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 it the federal judicial distriR where you reside. The arbitrator shall fallow applicable substantive law to the extent consistent with *,he 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 op`nion 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 a three~arbitrator panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in conneRion 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 LLCj, predecessors, successors, assigns, as well as the officers, direRors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termination of your Aaount as well as voluntary payment in full by you, any legal proceedings by us to coiled a debt owed by you, any bankr~otry by you and any sale by us of your Account. Right to Reject Arbkration. You may reject the Arbitration of Disputes section by providing us a notice of rejeRion within 30 days after receiving a Card, at the following address: piscover, PO Box 30938, Salt Lake City, UT 84130-0938. If you were previously subjedto arbitration with respect to any account with us, this right to reject arbitration will not apply to ycu. Your rejection notice must include your name, address, telephone number, Aaount 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 13- 11DCMJ C2BOK_TL23P.Gn21r 00083.Indtl 15-16 rn11; 9-41 AM i order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respell 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 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 Interert 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 Interert Charges or other charges under this Agreement would exceed the maximum lawful amount, the Interest 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 ortransfer 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. Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing AR. What To Do If You Find A Mistake On Vour Statement If you think there is an error on your rtatement, write to us at: Discover PO Box 30421 Salt Lake City, UT 84130-0421. Ir your fetter, give us the fallowing information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. to - You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is schedulec if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. l'ou may call us. but if you do we are not required to investigate any potential errors and ynu may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things, t. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already cornered the error. 2. Within 90 days of receiving your letter, we must either coned the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error. • We cannot try to collect the amount in question, or report ~m,u as delinquent on that amount. •The charge in question may remain on your slat?men-, and we may continue to charge you interest on that amount. • While you do not Have to pay the amount in queston you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount. in question or any interest or other fees related to that amount. • If we do not believe there was a .mistake: You will have to pay the amdunt in question, along with applicable interest and fees. We will sent. you a statement of the amount you ovue and the date payment is due. We may then report you as delinquent if you do not pay the amount we th nk you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 davs telling us that you still refuse to pay. Ir you oo so, we cannot report you as delinqu?nt without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations M;now when the matter has been settled between us. If we do not follow all of the rules above, you do not have :c pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to corner. the problem with the merchant, you may have the right not to paq the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase murt have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than 550. (Note: Neither of these are necessary -~ your purchase was based on an advertisement we mailed to yon:, o* if w'e own the company that sold you the goods or services.i 15- "DCMO.('~280K TL23AG0211 00083.indd 17-18 ~.:^,1 ~1 9:41 AM 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a checkthat accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all o* the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our invertigation, 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. DESCRIPTION Of COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discovery Cardmembers are provided with $5D0,000 Scheduled Air Travel Accident Insurance.* You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as deflneo below) will be automatically insured against Accidental Loss of Life arising from and occurring on a Covered Trip while y_ou, 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 publicfor a fee and while traveling directly to or from the airport immediately preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply PLAN FEATURES THE BENEFffS: The full Benefit Amount (8500,000) 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 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 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 o' insurance. 16- DEFINRIONS: Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elercents arising from a covered Hazard. Accidental Bodilv Iniurv(iesl means bodily injury which is Accidentai, 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 cosl r.' the passenger fare is charged to an Account. Card means the Discover Card. Cardmember means the holder of the Card whose name apoears or the credit card. Comoanv means the Federal Insurance Company. Covered Trio means travel on a Scheduled Aircraft when the entire tort of the passenger fare for such transportation, less redeemable cert'ficates, vouchers or coupons, has been charged to the Insured Person's Account. Dependent 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 are: (1) under the age of 19 and reside with the Insured Person; (2) i>eyond 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 s*uclents at an institution of higher learning. Domestic Partner means a person who: (1) is at least 18 years of age ane competent to enter into a contract; (2) Is not related to the Insured °erson by blood; (3) has exclusively lived with the Insured Person fo' 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 er lease; (b) a joint bank account; (c) joint tale to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or rd;~ a join: 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 wh ch tha insurance is provided as stated in Section III of the Declarations, Hazards. and describes 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 Auoun . Loss means the Loss of Life. Loss of Ufe means death, including clinical death determined by the local governing medical authorities. Policyh ,older means DFS Services LLC, the entity responsible for the payrnent of premium. Scheduled Aircraft means an aircraft owned andror coerater 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 passenae~s nn a 17- 17DCM0 ';28pK 7L23P,Gn211 nnn83.lndd 19-20 .n1 1'~ 9:41 AM regularly scheduled basis or of foreign regirter and approved by the United States government and the appropriate 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 BENEFRS: 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 polity. EXPOSURE BENEFffS: 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 charges 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. EFFERIVE DATES: Your insurance under this insurance plan is effective on the later of: 1) April 1, 2D07; 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. 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 beneficiary in the following order: a) your spouse; b) your children; c) your parents d) your brothers and sirters, 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~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 Poliryholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Poliryholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Person ~s in, entering, or exiting any aircraft while acing or training as a pilot or crew member (this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency); (3) emational trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral Infesion, or bodily malfunsionz (except baserial infesion caused by an Accident or from Accidental consumption of a substance contaminated by baseria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. i8 - 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 imalidate 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 1 S 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 o'f 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 if you, the Policyholder and/or the beneficiary have complied with all the terms of the polity. ARBRRATION: In the event of a dispute under this policy, either the Company or the Insured Person may make a writter demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. The two arbitrators will select a third. It they cannot agree within 16 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 Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, soles the appropriate form, print out the claim form, fill out ara mail. You can rile a claim by mail or fax. Mailing Address: CHUI36 GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 6001NDEPENDENCE PARKWAY' PO BOX 4700 CHESAPEAKE, VA 23327-470G 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 contras of insurance but is a summary of the principal provisions of the insurance while in effes. Complete policy provisions are centair.ed in the Master Policy, which can be obtained from the Policyholder. Polity #9906-18-06 'oliry 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 66164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 19 !1DCMC. u2BOK TL23AG02U _00063.indd 21-22 n11~ 9A1 AM 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 benefiu under this coverage. Excess Collision Damage Waiver is an insurance program, underwritten by Federal Insurance Company Polity #990Cr17-63 (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 mischief or vandalism, riot or civil commotion. Company means the Federal Insurance Company. Insured means Cardmembers and authorized users of the Account. Policvholder means DFS Services LLC, the entity responsible forthe payment of premium. Rental Aaencv 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 minivan 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 debitea 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 dust decline the LosJDamage Waiver offered 6y the vehicle Rental Agenry. • 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 the Insured is an employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder as required, and zo - subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Ren*,al Agenq~ for repair or replacement of the Rented Automobile as a resuR of Collision Damage to the Rented Automobile. The Company's liability will be for a maximum reimbursement of $ZS,ODO. In no event will the Company be liable beyond the amounts aRually paid by the Insured er the Rental Agenry. • If you or an Insured's primary vehicle insurance o~ other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts ro~ 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'or any damayes to other vehicles or property. It does not cover you for anv injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles; trucks; ~erreational 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 $50,DOD, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured far 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented anywhere in the worla. • 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 6y the laws of the iunsdiiYion 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 far hire. • Use of the Rented Automobile by a person other than the coo authorized to operate the Rented Automobile bythe terms of the Rental Agreement. • Loss or use of the Rented Automobile. • Intentional damage to the Rented Automobile by the Insured. •Damaye which is due and confined to wear and tear =reezinr.;, memanical or electrical breakdown or failure. • Damaye to tires unless the loss I coincident with a severed lots. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or located it any territory prohibited by the terms of the Rental Agreement. zt - '.1DCM0_c280K TL23AG0211_00083.indd 23-24 -!i11' 9:41 AM 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 far 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 rot 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 dam, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALLTHE 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 23327-0700 fax Number: 1-800-300-2538 CLAIM PROCEDURE: The Insured must send the (:ompany written notice of a claim, including the Insured's name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative: • A may of the Account statement showing the automobile rental transaction. • A copy of the automobile rental agreement. • A copy of the police repot,. • A cor;y of the initial claim report submitted to the automobile Rental Agency. • A copy of the paid claim presented by the automobile Rental Agenry for the Collision Damage for which the Insured is responsible. • Proo` 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 apolicable, a notarized statement from the Irwred to that effect. Reminder. Please refer to the Insurance Disdosures section. z2 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 e1feR. Complete provisions pertaining to this plan of insurance are contained in the master polity on file with DFS Services LLC, herein referred to ass the Policyholder. If a statement in this Summary of Coverage and any provision in the policy differ, the policy will govern. Policy Underwritten By Plan Administrator Federal hnsurance Company ("Company") The Direct Marketing Group, Inc. a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NF 68164 15 Mountain View Road, PO Box 1615 Warren. NJ 07061-1651 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising, andlor brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. Cancellation: Poliyholder can cancel these benefits at any Ume 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 :overage to Policyholde=, 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 oondit~ons of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States ~s defined as the SO United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Pslands. 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 or 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 o{ your Cardmember Agreement. Transfer of rights or benefits: No rights or benefits provided under these insuranr-e benefits maybe assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured witll 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 swearino by the Insured relating thereto. Coverage for an Insured will be void if, whether before or after a loss, 23 - 11 D:.MG 02BOh:_TL23A.G021+. 00083.indd 25-26 i;1+. I 9'41 AM the Policyholder or its subscribing organization(s) has concealed or misrepresented any material fact or circumstance concerning this coverage or the subled thereof or the interest of the Insured therein, or in case of any fraud or false swearing by the Policyholder or its subscribing organization(s) relating hereto. 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 maybe 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 ads 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 inwe 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 anion against any individual, firm or corporation for such loss to the Company or subrogate or hold intrust all such rights to the extent of the amount paid. The Insured will agree to take anion as requested by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration: In the event of a dispute under this policy, either the Company or the Insured may make a written demand for arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbitrators will select a third, 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 Giscovercard.comftravel 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 24 - 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 aI! areas. Call us at 1-800-DISCOVER (1-80(1.347.2683) 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 effor. to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided by third parties. The sen~ices and these terms and conditions are subject to change without notice. 25 - t1DCMO.:i2BOK.TL23AGn211 _00083.indd 27-28 1.'11 9:41 AM' /',~- EXHIBIT «~~~ New Balance Minimum Payment Due Account Number ending in DISCOVER $0.00 $0.00 Enter Amount Enclosed Below Payment Due Date July 1, 2009 O6 SDSN6A01 0001558 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Address, email or telephone change2 Print change in space abave, or go to Discover.com. Print your email 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 anyvvheret PO BOX 71084 Ill,,,llu,llunllu,lnl) CHARLOTTE NC 28272-1084 Inl,Ilnlmlrllurlu~s~nr~~llmlulnlnll,slnlu~rln~~ Discover More Card Account Summary Closing Date: June 6, 2009 pope t of 1 Account number ending in 1623 Previous Balance $•81.50 Payment Due Dale July 1, 2009 Payments And Credits 0.00 Minimum Payment Due $0.00 Purchases + 81.50 Credit Limit $16,400.00 Cash Advances + 0.00 Credit Available $16,400.00 Balance Transfers + 0.00 Cash Credit Limit $8,300.0() Finance Charges _ + 0.00 Cash Credit Available $8,300.00 New Balance __ __ $0.00 Cashbnek Bonus° Opening Cashback Bonus Balance $ Q,Q~ Mew Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Castback Borius® Anniversary _ .._ _ ._ ........ __. _._ _ .. _ _ .... _ _... _ _._ __ Month: October How Can We Hel YOU? P 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rev+ards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud lfab(ilty Guarantee Use your Discover Card with confidence. Trans. Post Data Date Other/Miscellaneous Jun b Jun 6 CREDIT BALANCE REFUND (SALE TYPE( $ 81.50 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balance$ Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE ~H,(~GES current billing period: 31 days Purchases $0 0.07942°0 28.99°6 F 28.99°0 $0 $I) Cash Advances $0 0.079d2`ia 28.99% F 28.99 0 $0 $0 The rates that apply io your Account are either fixed (F) or they may vary (V) as noted above DISCQVER I+lew balance Minimum Payment Due Account Number ending in 50.00 $0.00 ~ Enter Amount Enclosed Below Payment Due Dafe ~ ~~ August 1, 2009 06 SDSN6A010001559 PRAYER., TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1;309 Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in sec;onds from anywherel PO BDX 71084 ~~~nr~~tu~~nu~~nr~u~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ~~r~r~jrr~rrr~r~j~rr~ir'i~rrr~~~~rrr~rr~rijir~~rr~rr~rrjs~rr~~ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. ;Discover More Card Account Summary Closing Date: July 6, 2009 page 1 of t 'Account number ending in 1623 Previous Balance $0.00 Payment Due Date August 1, 2009 Payments And Credits 0.00 'Minimum Payment Due $0.00 Purchases + 0.00 Credit Limit $16,400.00 Cash Advances + 0.00 (Credit Available $16,400.00 Balance Transfers + 0.00 ;Cash Credit Lirnit $8,300.00 Finance Charges + 0.00 Cash Credit Available $8,300.00 New Balance = $0.00 ~g5('1(7gCk Bdnus~' Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 _CCashback Bonusl~ Anniversary _ __ _ _.._._...... Month: October How Can We Hel YOU? p 1 Visit Discovar.com to pay your bill for no cost, view your l d atest Account information, earn an redeem rewards and more Itrs your choice 3 ways to help 2. Call 1-800.DISCOVER (347-2683] for Fast, easyself-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 Finance Charge Summary Average Daily Nominal ANNUA! ANNUAL Periodic Tran:>action Fee Gaily l Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE c an Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.07942% 28.99% F 28.99% $0 $0 ,Cash Advances $0 0.07942!0 28.94% F 28.9990 $0 $0 ;The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above - -- -- - -- Nev+Balance Minimum Payment Due Account Nurnber ending in DISCOVER $414.02 $15.00 Enter AmountEnciosed Betov+ Payment Due Date ~ ~~ September 1, 2009 please make check payable to Discover Card or pay online @ Discovercard.com. 06 SDSN6A01 0001560 PRAYER , TERR I E L Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in seconds PRAYER, FREDERICK C fromanyvvherel 50 EAST6ATE DR CAMP HILL PA 17011-1309 PO BOX 71084 Illu,llu,Iluulluulu CHARLOTTE NC 28272-1084 Address, e-mail or telephone changa$ Printchanga in space Irrlrllrrlrrrl,Ilrrrlrrlrlrirllllr~rlrrlrrlrrllr,IrrlrrQrlrrll above, or go to Discover.<om. Print your e-mail address io receive important Account information and special offers. - - ....~ - Discover More Card Account Summary Closing Date: August 6, 2009 page 1 of 1 Account number ending in 1623 previous Balance $0.00 Payment Due Date September 1, 2009 Payments And Credits 0.00 MinimumPaymeritDue $15.00 Purchases + 0.00 Credit Limit $16,400.00 Cash Advances 401.00 Credit Available $15,985.00 Balance Transfers + 0.00 Cash Credit Limii $8,300.00 Finance Charles + 13.02 Cash Credit Available $7,899.00 _ New Balance ~! = $414.02 Yau may be able to avoid Periodic Finance Charges, see the reverse side for details. Cg51113gC1C ~Ot1tJSm Opening Cashback Bonus Balance $ O.OQ flew Cashback Bonus This Period + gQQ Cashback Bonus Balance $ 0.00 C'ash66ck Bonuses Aririivarsiary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can 1A/e Hel YOU? 1 • Visit Discovar.com to pay your bill for no cost view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800•DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer 5ervica Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance far hearing impaired) see reverse side Salt Lake Cify, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Cash Advances Aug 4 Aug 4 CASH ADVANCE CHECK #1070 $ 401.00 Aug d Aug 4 CASH ADVANCE TRANS FEE FINANCE CHARGE 12.03 Finance Charge Summary i~lominal Transaction Average Daily ANNUAL ANNUAL Periodic Fea Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES ~ RG 5 current billing paricd. 31 days Purchases $0 0.07942% 28.99°b F 28.99% $0 $0 Casfi Advances $40.00 0.0794290 28.99 o F 38.96% $0.99 $12.03 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. -- _ New Bakrrxe Minimum Payment Dw Accoud Number ending in DISCAVER 51,207.96 S33.00 ~ Erier AmouN Encbsed Bebw Payment Du. Dote $ ~r Ctcleber 1, 2009 Plewe make check payable b Diacaw~ Card or pay orJine Q Discowrcard.oom. 06 SDSN6A01 0001561 PRAYER , TERR I E L TetG APP 1n OISCOV' b rsc~iva a tiNc to our free nwl~ite ttpp and poll Y~ t111 in tnoorsdt: PRAYER, FREDERICK C frorrt>nywtwrel 50 EASTGATE DR CAMP HILL PA 17011-1309 PO lOX 71084 Ill>rs~lssr~~ssssl~>sslrs CHARLOTTE HC 28272-1084 Addrett, eanoil or hleplane change!' Print charge in>paa I I Ilnlnrlrllrululrlurilllnrlnlrrlnllrrlnlulrlr,ll above, or go b Discowr.com. PriN your anai) address b " ' receive important Account inkxmolan and special oRers. Discover More Cord Account Summary Cjosing DoAs: st~pNmba b, 2009 pag. 1 of 2 Accourd number ending in 1 b23 Previau Balance 51.14.02 ;Payment Due Dab Ckbber 1, 2009 Payments And Credits - 50.00 ,Minimum Payment Due 533.00 Purehwes + 0.00 Cndit limit 516,400.00 Cosh Advances + 796.57 ICndit Available S 15,192.00 Balance Transfers + 0.00 Cash Credit limit 58,300.00 time Charges + 45.37 Cash Credit Available 57,138.00 New Bdonce 51,207.96 You maybe able b avid Peri odic Firranee Charges, see the reverse side fx details. Cashbtxk BonUS• Opening Coshback Bonne Balarsc+ 5 ~~ New Ca+lrback Borws This Period + Coshbodc Bonus Botjanara 5 0.00 ............... ........ ...... .. Codhbcck Bonin Anniversary ___._ _ _ .. _ __ Morrh: October ,Keep !wilding your rewards with very purchaw. Start redeeming once you reach 320 Cadrback Bonua(Rj. How Can We He! You? P ' . visit oiec.rA.rc«a «, P',',"" bi ~.' ""°'.~ viewyaur kstest Account inforrrration, earn and rd.em nwads and more. It's your choice - 3 ways to help 2. caM 1-80401SCOVER (347-2683) {a last, eery self-service Please haw your Discover Card available. ~~ or b speak with a Cusbmr Service Aecow d Morrager 3. Write us d Discover Cord, PO Box 30943, For TDD (assistance fx hearing impaired) :w reverse side SaR Take City, UT 84130 TranscctiOns SO Fraud liaibdGty Guamf>. use your Discover card wiYr canlidenc.. ~e. PaynwrrFs and Credis Aug 29 Aug 29 PAYMENT -THANK YOU f ,50.00 Cash Advenae Aug 7 Aug 7 CASH ADVANCE CHECK ACH X1071 1;71.55 VERIZCMI ARC _ Aug 7 _ Aug 7 CASH ADVANCE TRANS FEE FINANCE CHMGE 5.15 Aug 10 Aug 10 _ CASH ADVANCE CHECK 81072 _ _ _ .5 i .02 Aug 10 Aug 10 CASH ADVANCE TRANS FEE FINANCE CHARGE 5,00 Aug 31 Aug 31 CASH ADVANCE CHECK ACH It1073 1;75.00 VERtZON ARC Aug 31 Aug 31 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.25 Sep 3 Sep 3 CASH ADVANCE CHECK /1074 401.00 Sep 3 Sep 3 CASH ADVANCE TRANS FEE FlNANCE CHARGE 12.03 Information For You Enrdl in Poperless Stahmerds for your chance b win big. Go paperfeu and you care win up b 515,000 cash! loam more al Dixover.com/sweepstakes. ____ ~~ ' DISC~JVER tt PaYs to ~ PRAYER, TERRIE L ~' Account number ending in ~~~ . Pay the easy way with Discover Mobile. The D'+scaver Mobile app is the easiest way to pay on time, every time. You can view your bnlance, schedule payments, keep truck of pending Transactions and more! Get the free Discover App - Texf "APP" !o DISCOV (34726£3}' ;` Or visit dI5COV6GCOm~getq~p on your mobile device. ~ ~20i2 Discover Bnnk, Rtambxr FDIC. 'One9ime Msp E dose -~ ~ ,,.b w•w, ..~,•~... y« ~ s J. '` 'n' s c,. ~ ~r Closing Date: September 6, 2009 pale 2 of 2 I Need Cash$ Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(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. This month, the featured Cashback Bonus(RJ Redemption Partner is Bed Bath & Beyond(R}. Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card. Finance Charge Summary Average Daily Dail P i d Nominal ANNUAL PE ANNUAL Transaction Periodic fee y er o ic ~4nces Rates RCENTAGE RATES PERCENTAGE RATES ~ AHA GES FINANCE CHARGES current billing period: 31 days Purchases $0 0.07942'0 Cash Advances $728 55 0 07942% 28.99 % F 28.99% $0 $0 . . 28.99%o F 68.17% $ i 7.94 $27.43 The rates that apply to your Account are either fixed (F) or they moy vary (V) as noted above. QUeStIO11S? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683. New Balance Minimum Payment Due Account Number ending in DISCOVER $1,724.79 $50.00 ~ Enter Amount Enclosed Below Payment Due Date ~ ~~~ November 1, 2009 please make check poyoble to Discover Card or pay online Q Discovercard.com. 06 SDSN6A01 0001562 PRAYER, TERRIE L Text APP toDISCOV`toreceivealinktoour free mobile app and pay your bill in seconds PRAYER, FREDERICK C fromany<vhere! 50 EASTGATE DR CAMP HILL PA 17011-1309 PO BOX 71084 lllnrljnsllrnrllrulnll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Printchange in space Irrlrllrrlrrrlr~lrrrlrrlrlrrrllllrrrlrrlrr~rr~~rrlrrlrxlrlxr~~ above, or go to Discover.com. Print your a-mail address to receive important Account inFormation and special offers. Discover More Card Account Summary Closing Date: October 6, 2009 page 1 of 2 Account number ending in 1623 Previous Balance $1,207.96 ,Payment Due Date tovember 1, 2009 Payments And Credits >0.00 Minimum Payment Due $50.00 Purchases + 0.00 Credit Limit $16,400.00 Cash Advances + 5115.43 Credit Available $14,675.00 Balance Transfers + 0.00 :Cash Credit Limit $8,300.00 Finance Char as + ;i 1.40 .Cash Credit Available $6,627.00 New Balance = $1,7:?4.79 You may be able to avoid Periodic Finance Charges, see tfie reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + ~J~( Q Cashback Bonus Balance $ 0.00 Cashbbck Bonus® Anniversary' Month: October Keep building your rewards with every purchase. Startredeeminy once you reach '$20 Cashback Bonus(R). 'How Can We Hef You? p 1 Visit Discover.com to payyour bill for no cost, view your a d d d ti d l A f I;It's your choice - 3 ways to help n eem rewar on, earn re s an more atest orma ccount in 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 Mtanager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Oct 2 Oct 2 PAYMENT THANK YOU $ -50.00 ,Cash Advances Sep 16 Sep 16 CASH ADVANCE CHECK if9080 200.00 Sep 16 Sep 16 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.00 Sep 25 Sep 25 CASH ADVANCE CHECK X9081 l:?0.00 Sep 25 Sep 25 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00 Oct 1 Oct 1 CASH ADVANCE CHECK ACH ;x9082 195.43 VERIZON ARC Oct 1 Oct 1 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.86 Need Cash? Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/ccsh to Find out more. I DISCOVER' It pays to PRAYER, TERRIE L ~~~~~R Account number ending ir~ Pay the easy way with Discover° Mobile. The Discover Mobile app is the easiest way to pay on Time, every time. You can view your balance, schedule payments, keep track of pending h•onsactions and more! Get the free Discover App - Texi ".APP" to DISCOV (347268)' Or visit discOVer.COm~getppp on your mobile device. 'S~'l0f 2 Drxo ar 6ank, lAembar FDIC •Onn~limu only massage. A5g 3 clula rules Y t :_-. -wx.~ ~', r '~• ,~tso-,', .,.saw .,.p,; . q ~' a ~.u» r r- ~~-.. CF --. v_'. .it_ :{..g i.'~' ~~'` ~ _r- Closing Date: October b, 2009 pa;3e 2 of 2 Finance Charge Summary Average Daily Dail P i d Nominal ANNUAL PER E ANNUAL Periodic Transaction Fee y er o ic Balances Rates C NTAGE RATES PERCENTAGE RATES FINANCE CHARGE FINANCE current billing period: 30 days S CHARGES Purchases $0 0.07942% Cash Advances $i449.5~1 0.07942% 28.99% F 28.99% F 28.99°0 42.55% $0 $34.54 $0 $1<i.86 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Qt1eSt10nS? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683. DISCOVER GG SDSNGADt OOU15G3 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Address, a-mail or telephone change~x Prinf change in space above, or go to Discover.com. Print your email address to receive important Account information and special offers. Discover More Card Account Summary Closing Date: November b, 2009 page 1 of 2 Account number ending in 1623 Previous Balance $1,-x'24.79 ,Payment Due Date December 1, 2009 Payments And Credits 50.00 Minimum Payment Due $66.00 Purchases + 409.75 Credit Limit $16,400.00 Cash Advances + 943.38 Credit Available $13,290.00 Balance Transfers + 0.00 Cash Credit Limit $8,300.00 Finance Charges + 81.26 Cash Credit Available $5,684.00 New Balance - $3,1109. i 8 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus`` Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 1 .02 Cashback Bonus Balance $ 1.02 __ _ Cashback Bonus® Anniversary __ __ _ _ Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(Rj. How Can We Hel YOU? 1 • Visit Discovor.com fo pay your hill for no cost, view your p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER 1347.2683] for fast, easy selFservice Please have your Discover Card available. options or to speak wish a Customer Service Account tvtanager 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 3ransactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Daie Data Payments and Credits Nov 1 Nov 1 PAYMENT -THANK YOU $ -50.00 ,Merchandise/Retail Oct 23 Uct 23 WINE £ SPIRITS 2107 CAMP HILL PA 25.42 Ocr 25 Oct 25 BACK BAY TOBACCO MIlLSBORO DE 103.77 _ _ _ _ _ Oct 2? _ Oct 27_ JW MUSIC MECHANICSBURGPA_ _ _ _ _ _ 40.17 _ _ Gasoline Oct 23 Uct 23 HESS 38285 CAMP HILL PA 27.03 Oct 25 Oct 25 SHELL 5 754 1 5973 08 MIILSBORO DE 2$,73 Oct 31 Oct 31 HESS 38285 CAMP HILL PA 8.36 Nov 2 Nov 2 HESS 38285 CAMP HILL PA 22.41 Nov 3 Nov 3 HESS 38285 CAMP HILL PA 12.47 Nov 4 Nov 4 HESS 38285 CAMP HILL PA 23.80 Cash Advances Oct 2b Oct 26 CASH ADVANCE CHECK #0275 2:27.78 Oct 26 Oct 26 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.83 t`lov 3 Nov 3 CASH ADVANCE CHECK ACH ."x0278 1:14.10 VERIZON ARC IJov 3 Nov 3 CASH ADVANCE TRANS FEE FINANCE CHAP.GE 6,42 Nov 3 Nov 3 CASH ADVANCE CHECK #0276 401.50 Nov 3 Nov 3 CASH ADVANCE TRANS FEE FINANCE CHAP.GE 12.05 Nov 4 Nov d CASH ADVANCE CHECK #0279 1100.00 Nov 4 tJov 4 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00 New Bclance Minimum Payment Due $3,109.18 $66.00 Payment Due Date December 1, 2009 Account tJumber ending in Enter Amount Enclosed Below -~ Please make check payable to Discover Card or pay online Ce? Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 ((I"sllrrsllnn((nrUull CHARLOTTE KC 28272-1084 Irrlrlirrlrrrirl(rrrlrrlrlrrr(IllrrrlrrlrrlrrllrrlrrlrrlNlrrll DiscoverlRj gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card •• plus get FREE shipping Personalize gift cards with names and messages. Many have matching greeting cards! Save through 12/31 /09 - eni~sr GIFT4 at DiscoverGiftCard.com _ _ ___ __ _ DISCOVER ttpaysto~ PRAYER,TERRIEL g r Account number endin 1 j Pay the easy way with Discover®Mobile. Tire Discover Mobile app is the easiest way to pay on time, every time. ~ You can view your balance, schedule payments, kcep track of pending I transactions and more? Get the free Discover App -Text "APP" to DISCOV (347268)' Or visit di5cover.com/getapp on your mobile dovice. (s~2012 D so ar Bunk, f Se Whet rDIC 'Onetime only massage, lvlsg & data « des mcry app . --__~=~ ~' ~..~..- ~ r, i`rk' . _ ate,"~~r aa.,''~-!~1tt r ~?~ ,_~ ~ ~, ~- , '~±~~~ ~ Closing Date: November 6, 2009 pa;~e 2 of 2 Supermarkets Oct 23 Oct 23 KARNS QUALITY FOOD SNQ MECHANICSBURGPA 44.97 Oct 31 Oct 31 KARNS QUALITY FOODS MECHANICSBURGPA 44.02 Home Improvement Oct 23 Oct 23 LOWE'S OF MECHANICSBURG, MECHANICSBURGPA 28.60 Information For You Discover(R) gift cards are easy to give to friends and family. And now you can save $2 on the purchase fee of each gift card -• plus you'!I get FREE shipping. Personalize the gift card with a name and message. Many come with matching greeting cards. Offer available through 12/31 /09. Just enter promo code GIFT3 at DiscoverGifiCard.com to savel Finance Charge Summary Average Daily tJominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic mates PERCENTAGE RATES PERCENTAGE RATES FINANCE G S FINANCE IS~P GES current billing period: 3 i days Purchases $150.85 0.07942% 28.99% F 28.99 % $3.71 $0 Cash Advances $1919. i 0 0.0794290 28.99°/ F 48.49% $47.25 $30.30 -The rates that apply to your Account are either fixed (F) or they may vary N) as noted above. QUeStIOnS? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due 55,306.17 $149.00 Payment Due Dafe lanuary 1, 2010 06 SDSN6AD1D001564 PRAYER, TERRIE t PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Account Number ending in Enter Amount Enclosed Below ~!~ Please make check payable to Discover Card or pay online ~ Discovercard.com. Text APP to DISCOV' to receive a fink to our tree mobile app and pay your bill in seconds from anywhere! PO BOX 71084 wl~"'ll"'~~""~~"'~" CHARLOTTE NC 28272-1084 Address, e-mail ar telephone change? Print change in space ~rr~r~lrr~rrr~r~lrrr~rr~r~rrr~~~~rrr~rr~rr~rr~~rrlrr~rr~r~rr~~ above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. Discover More Card Account Summary Closing Date: December 6, 2009 page 1 of 2 Account number ending in 1623 Previous Balance $3,'109.18 Payment Dua Date January 1, 2010 Payments And Credits 100.00 lvlinimum Payment Due $149.00 Purchases + 560.25 ,Credit limit $16,400.00 Cash Advances + 1,590.18 Credit Available $11,093.00 Balance Transfers + 0.00 Kash Credit Limit $8,300.00 Finance Charges + '146.56 Cash Credit Available $4,094.00 __ New Balance = $5,306.17 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 1.02 IJew Cashback Bonus This Period + 1.30 Cashback Bonus6alance $ 2.32 Cashback Bonuses Anniversary _. _ _ ......... _ _ Month: October !Keep building your rewards with every purchase. Starf redeeming once you reach $20 Cashback Bonus(RJ. ~~HOW Can We He) 1 OU? p 1 Visit Diacover.com to pny your bill for no cast, view yaur 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 ~Plense have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, ;For TDD {assistance for hearing impaired( see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data .Payments and Credits Dec 3 Dec 3 PAYMENT THANK YOU $ -100.00 Other/Miscellaneous Dec 2 Dec 2 LATE FEE 39.00 Gasoline Nov 1 1 IJov 1 1 HESS 38285 CAMP HILL PA 18.28 - - -Nov 11 IJov 1 1- HESS 38285 CAMP HILL PA -22.41 Nov 13 Nov 13 HESS 38285 CAMP HILL PA 10.22 Nov 13 Nov 13 HESS 38285 CAMP HILL PA 28.05 t`!ov 17 Plov 17 HESS 38285 CAMP HICL PA 28.77 Nov 19 Nov 19 HESS 38285 CAMP HI[L PA 20.00 Nov 19 IJov 19 HESS 38285 CAMP HILL PA 18.23 Nov 20 tJov 20 HESS 38285 CAMP HILL PA 22.41 Nov 22 Nov 22 HESS 38285 CAMP HILL PA 24.41 Nov 24 Nov 2d HESS 38285 CAMP HIIL PA 28.77 Nov 25 Nov 25 HESS 38285 CAMP HILL PA 25.00 Nov 26 Nov 26 HESS 38285 CAMP HILL PA 24.41 Nov 27 IVov 27 HESS 38285 CAMP HILL PA 23.80 Nov 30 Nov 30 HESS 38285 CAMP HILL PA 24.42 Dec 2 Dec 2 HESS 38285 CAMP HILL PA 32.09 Dec 3 Dec 3 HESS 38285 CAMP HILL PA 30.78 Cash Advances Nov 12 Nov 12 CASH ADVANCE CHECK X2080 218.67 Discover(Rj gift cards make easy holiday gifts. Now save $2 on the purchase tae of each gik card -- plus get FREE shipping. 'Personalize gift cards with names and messages. Many have matching greeting cards! Save through 12/31 /09 - ernier GIFT4 at DiscoverGifiCard.com DiSC~VER "p°y31O E8r i Pay the easy way with Discover®Mobile. The Discover Mobile app is the easiest way to pay on time, every lime. You can view your balonce, schedule payments, keep (rack of pending transactions cmd more! PRAYER, TERRIE L Account number ending i ----~ ~~~ - ~:. . Pct ~,. ®,i. ,~..... Get the tree Discover App -Text "APP" io DISCOV (347268}• ^ ri.usn or visit discovereom/ efiq on our mobile device. ~3r ~"' gar g Pfa y ~ - . ~~ ~~. ~ `,~' ,~ ; , ~.~. c ~~ ~~. ,, t920i2 D stover Bunk, 4temher FU1C Onetime only meswyo Mry & data rotes may apply. ~, ~~,. ~~ .~_•- •J Closing Date: December 6, 2009 page 2 of 2 Cash Advances Nov 12 Nov 12 CASH ADVANCE TRANS FEE FINANCE CHARGE Nov 24 Nov 2d CASH ADVANCE CHECK #2070 Nov 24 Nov 24 CASH ADVANCE TRANS FEE FINANCE CH,4RGE Nov 24 Nov 24 CASH ADVA~lCE CHECK #2072 Nov 24 Nov 24 CASH ADVANCE TRANS FEE FINANCE CHARGE Nov 25 Nov 25 CASH ADVANCE CHECK #0280 Nov 25 Nov 25 CASH ADVANCE TRANS FEE FINANCE CHARGE Nov 30 Nov 30 CASH ADVANCE CHECK #2071 Nov 30 Nov 30 CASH ADVANCE TRANS FEE FINANCE CHARGE Dec 3 Dec 3 CASH ADVANCE CHECK #2073 Dec 3 Dec 3 CASH ADVANCE TRANS FEE FINANCE CHARGE Dec 4 Dec 4 CASH ADVANCE CHECK ACH #2074 VERtZON ARC Dec 4 Dec 4 CASH ADVANCE TRANS FEE FINANCE CHARGE __ _ Supermarkets Nov 11 Nov 1 i KARNS QUALITY FOODS MECHANICSBURGPA Nov 13 Nov 13 KAR1d5 QUALITY FOODS MECHANICSBURGPA Nov 21 Nov 21 KARNS QUALITY FOODS MECHANICSBURGPA Nov 25 Nov 25 KARNS QUALITY FOODS MECHANICSBURGPA Nov 28 Nov 28 KARNS QUAL1iY FOODS MECHANICSBURGPA Nov 29 Nov 29 KARNS QUALITY FOODS MECHANICSBURGPA $ 0.56 250.00 7.50 50.00 5.00 331.50 9.95 137.26 5.00 401.50 12.05 201.25 6.04 17.45 14.60 50.15 17.91 15.4d 23.55 Information For You Discover(R} gift cards era easy fo give to friends and family. And now you can save $2 on the purchase fee of each gaff card •• plus you'll get FREE shipping. Personalize the gift card with a name and messag®. Many come with notching greeting cards. Offer available through 12/31/09. Just enter promo coda GIFT3 of DiscoverGiftCard.com to ravel Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE a an es Rates RATES RATES CHARGES 0 t~RGES current billing period' 30 days Purchases $665.73 0.07942% 28.99% F 28.99 % $15.86 $0 Cash Advances $3298.96 0.07942°0 28.99% F 47.54/0 $78.60 $52.10 The rates that apply to your Account pre either fixed (Fl or they may vory N) as noted above. QUest10r1S? M Di anage your account at scover ,cgm or call 1-800•DISCOVER (1-800-347-2683). New Balance DISCOVER s7,433.a5 OG S~SN6A0100015G5 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17012-1309 Minimum Payment Due Account Number ending i~ $172.00 Entes• Amount Enclosed Below Payment Due Date $ ~~~ February 2, 2010 please make check poyable to Discover Card or pay online ~ Discovercard.com. Address, email or telephone change$ Print change in space above, or go io Discover.com. Print your a-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 Illurllrsrllmrllurlnll CHARLOTTE NC 28272-1084 I~rl~ll~rlr~rlrll~~~lrri~lrr~llll~r~l~rlrrlrrll~rir~lr~lrlr~ll Discover More Card Account Summary Closing Date: January 6, 2010 page. 1 of 3 Account number ending in 1623 Previous Balance $5,306.17 Payment Due Date February 2, 2010 Payments And Credits 250.00 Minimum Payment Due $172.G0 Purchases + 797.08 . GeditLimii $16,400.00 Cash Advances + 1,383.88 Credit Available $8,956.00 Balance Transfers + 0.00 Cash Credit limit $8,300.00 Finance Charles + 196.32 Cash Credit Available $2,710.00 New Balance _ = $7,433.45 You may be able to avoid Peciodic Finance Charges, see the reverse side for details. Cashback Bonus Opening Cashback Bonus Balance $ 2.32 New Cashback Bonus This Period + 1.99 Cashback Bonus Balance $ 4.3] CashbackBonusC~ Anniversary.. _ __ _ _ Month: Ccfober How Can We Hel You? p 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800•DISCOVER (347-2683) for fast, easy self -service options or to speak with a Customer Service Account Manager 'Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD {assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Frau d liability Guarantee Use your Discover Card vrith confidence. 'trans. Post Date Date Payments and Credits Dec .31 Dec 31 PAYMENT THANK YOU $ •250.00 Merchandise/Retail Dec 18 Dec 18 RITE AID CAMP HILL PA 35.33 Dec 20 Dec 20 BEST BUY MHT MECHANICSBURGPA 152.51 Dec 23 Dec 23 HAPPY HARRY'S, A WALGREE MILLSBORO DE 21.77 Dec 23 Dec 23 BACK BAY TOBACCO MILLSBORO DE 57.00 Gasoline Dec 7 Dec 7 SHELL 57541597308 MILLSBORO DE 19.32 Dec 9 Dec 9 HESS 38285 CAMP HILL PA 24.42 _ Dec _l 1 .Dec 1 1 .HESS 38285 CAMP HILL PA _ .25.02 - Dec 12 Dec 12 HESS 38285 CAMP HILL PA 12.67 Dec 16 Dec 16 HESS 38285 CAMP HILL PA 25.03 Dec 16 Dec 16 HESS 38285 CAMP HILL PA 31.53 Dec 17 Dec 17 EXXONMOBIL MECHANICSBURGPA 13.29 Dec 20 Dec 20 HESS 38285 CAMP HILL PA 26.42 Dec 22 Dec 22 HESS 38285 CAMP HIIL PA 36.63 Dec 22 Dec 22 EXXONMOBIL MECHANICSBURGPA 18.75 Dec 24 Dec 24 SHEII 57541597308 MILLSBORO DE 20.00 Dec 25 Dec 25 SHELL 57541597308 MILLSBORO DE 24.61 Dec 28 Dec 28 HESS 38285 CAMP HILL PA 17.41 Dec 29 Dec 29 HESS 38285 CAMP HILL PA 23.04 Dec 31 Dec 31 HESS 38285 CAMP HILL PA 23.04 Jan 1 Jan 1 HESS 38285 CAMP HILL PA 17 16 Jan 2 Jan 2 HESS 38285 CAMP HILL PA 25.02 Jan 2 .Jan 2 NESS 38285 CAMP HILL PA 23.79 DISCOVER ttpayst°~ PRAYER, TERRIE L Account number ending in I~ Pay the easy way with Drscover Mobile. ___ .~ti ~_ ,z - The Discover Mobile app is the easiest way to pay on time, every time. W "_ .. 'You con view your balance, schedule payments, keep crack of pending -' tic "~- ~~,; ;,, . I transactions and more! ~ara ' •~,. ® ~r ',r 'r _~v ;c Get the li~ee Discover App - Texi "APP" io D15COV (347268)' + Or visit discovercom/getapp on your mobile device. $~,, ~, ,tea, ~, '~.w-' ~qr z' iM ~ (' g. '~ ~ ~~ _ ,w~ .~ ,a. 2Q12 Uis over Bonk Member FDIC 'Onetime only mers°ge. Msp & data ralw mny apply sa~~=-+wx.,uer-ra. a y_rra ,i-. U,,,,~_,r., ,~~.: Closing Date: January 6, 2010 page 2 of 3 Cash Advan:es Dec 7 Dec 7 CASN ADVANCE CHECK ACH #2090 UGI UTILITIES Dec 7 Dec 7 CASH ADVANCE TRANS FEE FINANCE CHARGE Dec 15 Dec 15 CASH ADVANCE CHECK #2091 Dec 15 Dec 15 CASH ADVANCE TRANS FEE FINANCE CHARGE Dec 24 Dec 24 CASH ADVANCE CHECK #2092 Dec 24 Dec 24 CASH ADVANCE TRANS FEE FINANCE CHARGE Jan 5 Jan 5 CASH ADVANCE CHECK ACH #2094 UGl UTILITIES Jan 5 Jan 5 CASH ADVANCE TRANS FEE FINANCE CHARGE Jan 5 Jan 5 CASH ADVANCE CHECK #2093 Jan 5 Jan 5 CASH ADVANCE TRANS FEE FINANCE CHARGE tan 5 Jan 5 CASH ADVANCE CHECK #9092 Jan 5 Jan 5 CASH ADVANCE TRANS FEE FINANCE CHARGE _ Jan 6_, .._ _ Jan. b.,.__. _.GA$H..ADVAN.G~ C.NECK.ACH #9091..... ................. VERIZON ARC Jan 6 Jan 6 CASH ADVANCE TRANS FEE FINANCE CHARGE Supermarkets Dec i 3 Dec 13 KARNS QUALITY FOODS MECHANICSBURGPA Dec 22 Dec 22 KARNS QUALITY FOODS MECHANICSBURGPA Dec 27 Dec 27 KARNS QUALITY FOODS MECHANICSBURGPA Jan 1 Jan 1 KARNS QUALITY FOODS MECHANICSBURGPA 151.88 5.00 210.00 6.30 1 12.00 5.00 150.00 5.00 150.00 5.00 401.00 12.03 ._204.00 _ 6.27 21.26 32.54 44.34 25.08 Information For You Build extra Cashback Bonus 6y using your Discover(R) card to pay your monthly household bills like cable, cell phone, and insurance. It's easy to set up, just contact your provider. You'll earn rewards with every bill! Earn 5 %Cashback Bonus(R) at BestBuy.com when you make your purchases online through ShopDiscover(SM) and use your Discover(R) Cardl Earn 5% to 2090 Cashback Bonus every dog when you shop at over i 50 top online retailers through ShopDiscover. Just visit Discover com/shop to start earning extra rewards today! Need Cash2 Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card can always help. Get cash at ATMs natiomvide or have money deposited directly into your bank account. Visit Diseover.com/cash io find-out more.- - - - - - - - - _ _ _ _ _ ._ _ _ _ _. - _. _ _ - _ _ _ _ _ _ _ Finance Charge Summary Average Doily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily BQlances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINACHAR ES fINAC~ GE current billing period: 31 days Purchases $1266.41 0.0794290 28.99% F 28.99% $31 17 $i0 Cash Advance:, $4896.99 0.07942% 28.9990 F 40.46% $120.55 $44.60 the rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above. QUestiOnS? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). D'SCQV~ ~` Closinc¢Date: PRAYER, TERRIE L Account number ending in page 3 of 3 Cashback Bonus ~ Award Summary Cashback Bonus Anniversary Date: October 6 Balance Previous Cashback Bonus Award Balance $ 2.32 Purchase Award This Period + 1.99 Cashback Bonus Awar Tota! 4,31 Cashback Bonus Award Balance Award Ava:'lable to Redeem iRestric detail; 4.31 $ 4.31 Naw Balance Minimum Payment Due Account Number ending in DlSCaVER' $8,449.59 $220.00 Enier Amount Enclosed Below Payment Due Date $ ~~~~ March :!, 2010 Please pay online ~ ~wrw.Discaver.<om or make check payable to Discover. 06 SDSN6A07 0001566 PRAYER, TERRIE L Text APP toDISCOV"toreceivealinktoour free mobile app and pay your b(II in seconds PRAYER, FREDERICK C fromanyvrhere! 50 EASTGATE DR CAMP HILL PA 17011-1309 PO $OX 71084 I~~nrllur~~unl~us~n~~ CHARLOTTE NC 28272-1084 Address, email or telephone change? irsisiirr~rrririirrr~rsirirrri~„rrr,rrlrr~rrfirrlrrlrrir~rrli Go to www.0iscaver.com or print change in space above. vpemng care: aanuary ~, ~u ru - ~tostng vote: redrua Discover More Card Account Summary Account number ending in 1623 Previous Balance $7,433.45 Payments And Credits 172.00 Purchases + 836.80 Balance Transfers + 0.00 Cash Advances + }46.38 Finance Charges + 204.96 Other Fees ~' + 0.00 New- once_---- ~ -- $8,449.59 See Finance Charge Summary section following transactions for detailed APR information Credit Line $16,400.00 Credit Lirie Avpikible $7,950.00 Cash Advance Credit Line $8,300.00 Cash Advance Credit line Available $2,706.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t5ee transaction detail for a description of any fees charged. Cashback 8onus° Anniversary Month October Opening Cashback Bonus Balance $ d.31 New Cashback Bonus This Period + 2,pq Cashback Bonus Balance $ 6.40 To learn more, toy in at www.~iscoveacom and select Rewards y v, cv r v Nuyc ~ w c PaymenF Information New Balance $8,449.59 Minimum Payment Due $220.00 Payment Due Date March 2, 2010 Late Payment Warning: If vre do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 29.99°o variable. Manage Your Account Online at www.Discover.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money vrorlh morestt-find easy ways to earn i5nd redeem-cash revrards NEW! Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at vrww.Discovsr.com 2. Call 1-800•DISCOVER ~1-800.347-26831 Please have yoar Discover®card available. 3. Wriie to us at Discover, PO Box 30943, Solt Lake City, UT 84 i 30 For TDD (Telecommunications Device for the Deaf assistance, please call 1-800.347-7449. Transactions Trans. Post Data- - -Date -- _ _ _ _ .- - -- - _ Payments and Credits Jan 31 Jan 31 PAYMENT THANK YOU Merchandise Jan 5 Jan 7 STEELTON PHARMACY Yx GI STEELTON PA Jan 16 Jan 16 BACK BAY T013A000 MIILSBORO DE Jan 24 Jan 24 CVS/PHARMACY 01639 MECHANICSBURGPA Gasoline .ion 5 tan 7 HESS 38285 CAMP H1LL PA Jan b Jan 7 EXXONMOBIL MECHANICSBURGPA Jan 10 Jan 10 HESS 38285 CAMP HILL PA tan 11 Jan 11 HESS 38285 CAMP HILL PA Jan 12 Jan 12 HESS 38285 CAMP HILL PA Jan 13 Jan 13 EXXONMOBI! MECHANICSBURGPA Jan 15 Jan 15 WAWA 275 LANCASTER PA Jan 17 Jan 17 SHELL 57541597306 MILLSBORO DE Jan 21 Jan 2l NESS 38285 CAMP HILL PA Jan 23 Jan 23 HESS 38285 CAMP HILL PA Jan 24 Jan 24 HESS 38285 CAMP HILL PA $ -172.00 dd.74 102,48 21.19 23.04 20.01 26.58 23.04 25.06 i71] 28.25 20.65 20.15 23.04 27.02 Sea reverse side, DISCOVER DISCOVER' It paysto ~ • PRAYER, TERRIE L Account number endin i~ ~~~~~~ g page 2 of 2 Transactions Trans. Post Data Data Gasoline Jan 24 Jan 24 HESS 38285 CAMP HILL PA 23.04 Jan 26 Jan 26 HESS 38285 CAMP HILL PA 23,17 Jan 27 Jan 27 HESS 38285 CAMP HIL! PA 18.68 Jan 28 tan 28 HESS 38285 CAMP HILL PA 24.56 Feb 3 Feb 3 HESS 38285 CAMP HELL PA 23.17 Services Jan 21 an 21 JOHNSON'S SEWER ~ DRAI DENTON MD 148.50 Cash Advances Jan 19 Jan 19 CASH ADVANCE CHECK ;€2081 146.38 Jan 19 tan 19 CASH ADVANCE TRANS FEE FINA~JCE CHARGE 5.00 Supermarkets Jan b Jan 7 KARNS QUALITY FOODS MECHANICSBURGPA 36.25 Jan 15 Jan 15 KARNS CdUALITti' FOODS MECHANICSBURGPA 46,47 Jan 23 Jan 23 KARNS QUALITI' FOODS MECHANICSBURGPA 44.42 Jan 24 Jan 24 KARNS QUAUT~' FOODS MECHANICSBURGPA 26.1 g Finance Charge Summary Nominal Other - -Average- Daily- - .ANNUAL - . ANNUAL- Periodic- Fee - current billing period: 31 days Daily Balances Periodic PERCENTAGE PERCENTAGE Rates____ RATES RATES FCIHANCE FINANCE G S CHA(,tGES Purchases $2,030.77 0.079429~> 28.99% 28.99 a $50.01 $0 Cash Advances $6,091.74 0.07942i'~ 28.99°0 30.5296 $149.95 $5.00 V =Variable Rate Information For You Notwithstanding the payment due date on this statement, if you paicJ the New Balance on your previous billing statement by the Payment Due Date shown on chat billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any portion of a navy purchase, paid within 25 days of the Closing Dafe on this billing statement. This month, the featured Cashback Bonus(R( Redemption Partner is Applebee's(RJ. Redeem $45 Cashback Bonus Fcr a $50 Applebee's gift card. • QlleStlOnS? Visit vrww.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in DISCOVER $10,097.82 $229.00 Enter Amount Enclosed Below Payment Due Daie $ ~- April 2, 2(110 please pay online ~ tvww.Discover.com or make check payable to Discover. cssDSrtsaot ooatss~ PRAYEP., TERRIE L TextAPPtoDISCOV'toreceivealinktoour tree mobile app and pay your bill in seconds PRAYER, FREDERICK C tromanytvherel 50 EAST~ATE DR CAMP HILL PA 17011-1309 Po sox 71os~ lil~r~it~„flrr„ll,~,lr,ll CHARLOTTE NC 28272-1O8~r Address, e-mail or telephone changeZ (rrlrllrrltrtltllrrrlrrltlr~rllllrrrltrltt{trlltt{irlrtltlii{1 Go to www.Discover.com or print change to space above. Daie: Februnry 7, 2010 Closing Date: March 6, 2010 Discover More Card Account Summary Account number ending in 1623 Previous Balance $8,449.59 Payments And Credits 250.00 Purchases + 690.d9 Balance Trans}ers + 0.00 Cash Advances + 469,50 Finance Charges + 238.24 Other Fees t + 0.00 _ New Balance _-"- - $10,097.82 See Finance Charge Summary section following transactions for detailed APR information Credit Line $16,400.00 Ci'editlirie Available $b;302:00` Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $1,736.00 You maybe able to avoid Periodic Finance Charges, see the ~, reverse side for details. ', t5ee iransactian detail for a description of any fees charged., Casfil3ack 6onus° Anniversary Month October Opening Cashback Bonus Balance $ 6.40 New Cashback Bonus This Period + 3.63 Cashback Bonus Bolance~` $ 10.03 To learn more, log in of www.Discover.com and select Rewards page 1 of 2 Payment Information ~i New Balance $10,097.82 ~i Minimum Paymenk Due $229.00 Payment Due Date April 2, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late tea of up to $39.00 and your purchase APRs for new transactions maybe increased up io the Default APR of 29.99 o variable. Minimum Paymsnt Warning: If you make only the minimum payment each period, you will pay more in interest and it wilt take you longer to oav off your balance. For example: if~ou make {io Ygr}~tvyJ~~pyoff Andj*aulil( i addrt±orial charges `ha~alaq~e shgkYn f up paying an i using this card and oaS}iisstdlemant , estimated total of ~„ A4ch monfit }rou p4y . in about .. Only the minimum 41 years $72,455 payment $423 3 years 15,232 Savings = $57,223 } 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.cam 1 Access your account securely at www.Discover.com Access free online tools like Paydo~vn Planner to create a plan 2. -Call 1-800-DISCOVER (1.800-347 2683 - - - - - - to ay.down your-balance, securely-access~statements,-pay- - - Please have your Discover®card availab e. bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Make your money worth moresr~t-Find easy ways to earn Salt Lake Cify, UT 84130 and redeem cash rewords For TDD (Telecommunications Device for the Deaf) NEW! Access your account securely through your assistance, please call 1-$00.347.7449, mobile phone Transactions Trans. Post Date Date Payments and Gedits Mar b Mar b PAYMENT THANK YOU $ -250.00 Merchandise Feb 18 Feb 18 JW MUSIC MECHANICSBURGPA 31.75 Feb 21 Feb 21 HAPPY HARRY'S, A WALGREE MILLSBORO DE 4i .77 Gasolino Feb 5 Feb 7 HESS 38285 CAMP Hlll PA 31.08 Feb 5 Feb 7 HESS 38285 CAMP HILL PA 23,17 Feb 8 Feb 8 HESS 38285 CAMP HIIL PA 17.29 See reverse side. DISCOVER DISC©VEf~ t~pays[o~ PRAYER, TERRIE L ~~ Account number ending in 1623 page 2 of 2 3ransactions Trans. Post Date Date Gasoline Feb 1 1 Feb 1 1 HESS 38285 CAMP HILL PA ~ 24.56 Feb 13 Feb 13 HESS 38285 CAMP HILL PA 29.53 Feb 17 Feb 17 HESS 38285 CAMP HILL PA 34.55 Feb 17 Feb 17 HESS 38285 C,4MP HILL PA 23,17 Feb 21 Feb 21 SHELL 57541597308 MILLSBORO DE 37.03 Feb 23 Feb 23 HESS 38285 C,4MP HILL PA 23.17 Feb 25 Feb 25 HESS 38285 CAMP HILL PA 20.00 Feb 25 Feb 25 HESS 38285 CAMP Hlll PA 30.59 Feb 26 Feb 26 HESS 38285 C,4MP HILL PA 17.29 Feb 27 Feb 27 HESS 38285 CAMP HILL PA 18.68 Feb 28 Feb 28 HESS 38285 CAMP HILL PA 20.03 Mar 2 Mar 2 HESS 38285 C,4MP HILL PA 23.28 Mar 3 Mar 3 HESS 38285 CAMP HILL PA 23.28 Travel/Entertainment Feb 19 Feb 19 NEW JERSEY E-ZPASS 888-288-6865 NJ 25.00 Services Feb 12 Feb 12 MCC*MEDIACOM 888.333-4039 NY 60.68 _8383500260008445 _ _ _ _ _ 'Cash Advances Feb 16 Feb 16 CASH ADVANCE CHECK;#9111 170.00 Feb i b Feb 16 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.10 Feb 18 Feb 18 CASH ADVANC.£ CHECK #9112 331.50 Feb 18 Feb 18 CASH ADVANCE TRANS FEE FINANCE CHARGE 9,95 Feb 26 Feb 26 CASH ADVANCE CHECK #2110 130.00 Feb 26 Feb 26 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00 Mar 4 Mar 4 CASH ADVANCE CHECK #2111 338.00 Mara Mar 4 CASH ADVANCE TRANS FEE FINANCE CHARGE 10.14 Supermarkets Feb 7 Feb 7 KARNS QUAIITI' FOODS MECHANICSBURGPA 27 13 Feb 1 A Feb 14 KARNS QUALITI' FOODS MECHANICSBURGPA 49.48 Feb 15 Feb 15 KARNS QUALITI' FOODS MECHANICSBURGPA 17.37 Feb 28 Feb 28 KARNS QUAL1Tl' FOODS MECHANICSBURGPA 40.61 ;Finance Charge Summary Nominal Oiher Average Daily ANNUAL ANNUAL Periodic Fee current billing period: 28 days Daily Balances Periodic PERCENTAGE PERCENTAGE at s _ RATES RATES FINACH GEE FINACHA GES A 5 R '.Purchases $2,793.54 0.07942q'~ 28.99% 28.99% $62.12 $0 Cash Advances. _ $6,563.85.........0.07442'6._._._...28.9.9°6......_...__....32.19% _._._._ .....$1..45.93._ 530_19.. V =Variable Rale :Information For You 'Notwithstanding the payment due date on this statement, if you paid the Nevv Balance on your previous billing statement by the Payment Due Date shown on that billing statement, vve will not impose Periodic Finance Charges on Haut purchases First ;appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing 'statement. This month, the featured Cashback Bonus(Rj Redemption Partner is Bed Bath E: Beyond(Rj. Redeem $20 Cashback Bonus for a $25 Bed Bath ~. Beyond gift card. ,You're going places. Make sure your savings are, tea. Discover Bank provides the stability you want, rates that have consistently beat the national average, and security through FDIC insurance, up to $250,000 per account. Open a CD, IRA•CD, or Money Market account pt Discover8ank,com or by phone at 1-888.728.3212. Please mention code MSG0310. QUeStIOnS~ Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DtSC~VER ~isc~vER' os sostasAO~ Door sse PRAYER, TERRIE L PRAYER, FREDERICK C 50 EAST6ATE DR CAMP HILL PA 17011-1309 Minimum Paymanf Dw ~ Accowd Number andirg in $331.00 Entar Amoa+t Enckssad Paymanf Du. Dale s I~`i^~ ~ 2, 21)10 Pay onine a www.Di .cam or make chock ~ d an inlarnN payable b D~scowr. ud be made by S:OOpm ET for soma paymwds ~~ Text APP to DISCOV' m reoeiw a ink>b our free rrwbiM epp ~) PaY Yom' bill) h seoands ham anywhere! PO )sOX 71084 l~Irr~~irufluui~us~u~t CHARLOTTE MC 28272-1084 Address, a~mail orwcbange3 lul~lluluslslire:lul~lusllll~ulululnllnluis~lslnll Go b www.Diecwarcasn or priri change in span above. Opening Ode: fllkrth 1, ZV { V - Gloaing Dale: April 6, D'{scowr Mort Card Account Suf)nmary Aocaxit number ending in 1623 Prwious Balance 510,097.82 Payments And Credits - 289.Q0 Purcha»s + 263.29 Balance Transfers + 0.00 Cash AdvarKrs + 866.65 Fiwsw C1,ary.e + 305.61 Orhar Fees t + 183.00 New Balance i 11,427.37 Sw Firwnr» Charge Summary :action Following honsadions For detailed APR informaion CndiF Una 616,400.00 Cndiltin• Available __ 64,972.00 Cosh Advance Cndir Une 68,300.00 Cmh Advance Cndrt fin. Awilabfe 6870.00 You may be able b avid Periodic Finance Charges, see tfr rwerse side for dabils. T S» hargodion debit for a daviptian of any fees 2010 page 1 of 2 ~ l30flllSe Amiwrsary Morah Ocbbar Opening Cashback Bonus Fldance S 10.03 New Cashback Bonus This Period + 2.63 GJsbedc lasws f{alorsoe 6 12.66 To iwrn may, by in d wnrw.t>9etwareorw and ai.ct neiwore4 3 Eery Ways to Contact Us 1. Access your oocounF sacurety a vuww.Dieoww'.com - Y: Cai-1=80(1:DISCQYfR ~i-800-~47-2683 - - - - - . Please haw your Disoavar~ card avoik>~. 3. Writs b us a Discover, PO Boz 30943, Salt ldce Ciy, UT 84130 For TDD (Telecommunicatiorn Dwice for d+e DeaQ auistanu, please col 1-800347-7449. Transactions Payl)naft Inkrlnation New Balonoe )11,427.37 Minimum Paymenf Dw 633$.00 Paymar~ Due Dala May 2, 2010 Lela Paynsaaf Wanes If w. do real ncaiw your minmum payment by the doh Wl.d above, you may haw b pay a kl. (» of up b 639.00 and your puKJaw APRs for eww kaneactiorss maybe increased up b fhe Dafauft APR of 29.99X variable. Mwwwew fseyrnwil Weinwy: If you male only If» minimum paytnart each period, you wiU pay man in iiaerad and t uviY take you kxigar b pay off your baksnca. For azampla: you ma s no Yqu ~ 3 , ,~~; itTatol cf~orytrs f~i~orxw >k»a ~~! sing Ibis card and >~ ~ lpiq(.ol.._ > a~rtA3y~-' >!~!.:+ usafbquL .::. OrJyihe minimum 47 yrare :91,29) p~oymerd 6478 3)~ .:74,076 If you would like irtforsnalion about credit aauneding sarvioae, call 1.800.347-1121. Morwge Your Acoourlt Onlif:» at www.Disoswroom Access kae online bola like Paydown Planw b ends a plan - -la ~owrf your babnc.; eewurafy~aeoees shelareerts, pay fsiis orJirr and eosiFy h'oei aU Iraraor3ions Make your money warlh monk-find wry ways b even and redeem Dash ravrords NEWT AAOass your oacaxd securehr thrargh your mobile phone Trews- het Darr Dab -aryrwMek and Cndie Mar 10 Mar 10 REPRESENTED PAYMENT - THANK YOU ~ -250.00 Mar 10 Mar b PAYMENT ADJUSTMENT 250.00 Mar 15 Mar 10 PAYMENT ADJUSTMENT 250.00 Mar 15 Mar 15 REPRESENTED PAYMENT -THANK YOU .250.00 Mar 18 Mar 15 PAYMENT ADJUSTMENT 250.00 Mar 28 Mar 28 PHONE PAYMENT -THANK YOU -250.00 S» revere. sid.. DISC~VE~' D,SC~VER' tt PoYs Ic~~ PRAYER, TERRIE L Account number endi page 2 of 2 Transactions Trans. Post Date Dare Payments and Credits tviar 29 Mar 29 LATE CHARGE REFUND -39.00 A4ar 31 Mar 28 RETURNED PHONE PAYMENT 250.00 Mar 31 Mar 31 REPRESENTED I'HOIJE PAYMENT THANK YOU -250.00 Apr 3 Apr 3 PAYMENT TH,4NK YOU -250.00 Apr 5 Apr 5 REPRESENTED I'HOIJE PAYMENT THANK YOU -250.00 Apr 5 Mar 31 RETURNED PHONE PAYMENT 250.00 Merchandise Mar 10 Mar 10 CVS/PHARMACY MECHANICSBURGPA 33.02 Other/Miscellaneous Mar 10 Mar 6 ADJUSTMENT FINANCE CHARGE 0.13 Mar 10 Mar 6 ADJUSTMENT LATE CHARGE 39.00 Mar 10 Mar 6 ADJUSTMENT FINANCE CHARGE 0.09 Mar t0 Mar 10 FEE FOR RETURNED ACH PAYMENT 35.00 Mar 27 Mar 27 CASH ADV RTRN CHK FEE X2120 35.00 Mar 31 Mar 31 FEE FOR RETURNED ACH PAYMENT 35.00 Apr 2 Apr 2 LATE FEE 34.00 Gasoline Mar 1 1 Mar 11 HESS 38285 C,4MP HILL PA 30.00 _ _ Mat 1.2_ .Mar 12 _HESS 38285 C,4MP_HILL PA _ _ _ _ _ 23..28 Mar 13 Mar 13 HESS 38285 CAMP HILL PA _ 25.51 Mar 14 Mar 14 HESS 38285 CAMP HILL PA 23.28 Mar ib Mar 16 HESS 38285 C~atv1P HILL PA 23,28 Mar 17 Mar i 7 HESS 38285 G4MP HILL PA 37.20 Mar 17 Mar 17 HESS 38285 Ci~AM1P HILL PA 23,2g :Cash Advances Mar 5 Mar 7 CASH ADVANCE CHECK 2112 401.50 Mar 5 Mar 7 CASH AOVANC:E TRANS FEE FINANCE CHAP,GE 12.05 Mar 15 Mar 15 CASH ADVANCE CHECK :2113 155.00 FJ~ar 15 .Mar 15 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00 Apr 1 .4pr 1 CASH ADVANCE CHECK 1k2120 170.00 Apr 1 .Apr 1 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.10 Apr 1 .4pr 1 CASH ADVANCE CHECK X2114 140.15 Apr i Apr 1 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00 Supermarkets Mar 14 Mar 14 KARNS C)UALIT" FOODS MECHANICSBURGPA 44,22 Finance Charge Summary ,overage Daily Nominal ANNUAL ANNUAL Periodic Other Fee Daily current billing period: 31 dnys nces Periodic R r es^_ PERCENTAGE RATES PERCENTAGE RATES FINANCE ~~5~ FINANCE GES Purchases $3,384.36 0.07942: 28.999b 28.999'° $83.30 $0 Cazh Advances $7,928.00 0.07942°r~ 28.999b 33.649b $195.16 $27.15 V =Variable Rata QUeStiOnS? Visit www,Discover.com or .call 1-8C0-DISCOVER t1-800-347-2683J. DISCOVER DISCOVER Nev+ Balance Minimum Payment Due $11,535.32 $341.00 Payment Due Dafe June 2, 11010 06 SDSfV6ADt UDD1569 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EA5T6ATE DR CAMP HILL PA 17011-1309 Address, a-mail or telephone change2 Go to www.Discover.cam or print change in space above. Dpening Date: April !, lU IU Closing Uaie: I '~ Discover More Card Account Summary Account number ending in 1623 Account Number ending Enter Amount Enclosed B~ I Pay online at.www.Discover.com or make check payable to Discover. Phone and internst 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 anyv+here! Po sox 71os4 IIL,r1L~~1L~r,iit~rLr11 CHARLOTTE NC 28272-1084 I,rlrllnlurlrllnrlr,lrlnrllilnrlr~lulnllulu{irlilnll day b, 2010 Previous Balance $11,427.37 Payments And Credits 287.00 (Purchases + 0.42 Balance Transfers + 0.00 Cash Advances + 0.00 (Finance Charges + 281.53 'Other fees t + 113.00 ___ __ ____ New Balance _ ____ $11,535.32 See Finance Charge Summary section following transactions for detailed APR information Credit tine $16,400.00 Credit-Line Avalldiiie 4;8ti4.00 Cash Advance Credit Gne $8,300.00 Cash Advance Credit line Available $870.00 You may be able io avoid Periodic Finance Charges, sae the reverse side fcr details. t See transaction detail for a description of any fees charged. Cashback 8onus® Anniversary Month October Opening Cashback Bonus Balance $ 12.66 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 12.66 To team more, log .n rn www.Discover.com and select Rewards - page 1 of 2 I Payment Information Nev+ Balance $1 1,535.32 Minimum Payment Due $341.00 Payment Due Date June 2, 2010 Late Payment Warning: If v+e 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 nevv transactions may be increased up to the Default APR of 29.99% 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: top, wif>:~a~gff And;you ~iflE"end If yaif make iia ? « ddrtiorial ~hafgas ,, tits-#~alQnce sha~q p~ paying an osingih~s earaciiid oil IhtT alaJemertf ~sttr~ated totak of .. acFt.rrtoalh you::P.ay,, irxabdttt ,. Only the minimum 47 years $q2 ql q payment $483 3 years 17, 78 Savings = $75,541 {f you would like information about credit counseling services, call 1-800.347-1 121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan - 2r Call 1=800-DISCOVER ~i-800-3472683) - - - - - -to ay-down-your-balance,-securely-accessstatements,-pay- - -- Please have your Discover®card ovailab e. bile online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Make your money v+orth morestt-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 assistance, please call 1-800.347.7444. mobile phone Transactions Trans. Post Date Data Payments and Credis Apr 8 Apr 5 RETURNED PHONE PAYMENT $ 250.00 Apr 30 Apr 30 PHONE PAYME VT THANK YOU -537.00 May 4 Apr 30 RETURNED PHONE PAYMENT 537.00 May 5 May 5 PHONE PAYMENT THANK YOU -537.00 OtherJMiscallanoous Apr 8 Apr 5 ADJUSTMENT -FINANCE CHARGE 0.42 Apr 9 Apr 9 LATE FEE 39.00 See reverse side. D1SC~VER DISC©VER' If paysrc QI~CV~ PRAYER, TERRIE ! Account number ending in page 2 of 2 Transactions Trans. Post Date pate Other/Miscsllaneous May 2 May 2 LATE FEE $ 39,00 May 4 May 4 FEE FOR RETURtJED ACH PAYMENT 35.00 Finance Charge SUmmary Average Daily Nominal ANNUAL ANNUAL Periodic Other Fee current billing period: 30 days Balan ces Periodic ggtg, PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE C R S Purchases $3,625.68 0.07942`;5 28.99% 28.99°0 $86.36 $0 Cash Advances $8,192.04 0.07942';0 28.99°5 28.94 0 $195.17 $0 V =Variable Rate Information For Yov -With tightening lending standards; it's never-been more important ~o stay on top of your score. Credit ScoreTracker helps you understand what may be affecting your credit rating. Visit Discover.com/creditscoretracker or call 1-866.256.4532 to learn more or to enroll. QUeStiOi1S? Visit www.Discover.com or .call l -800-DISCOVER (1-800-347-2683. DISCOVER' DISC©VER New Balance Minimum Payment Due 512,915.58 S318.00 Payment Due Dale Ju4y 2, 21)10 06 SDSN6A016G0157Q PRAYER, TERRIE L PRAYER, FREDERICK C 50 EA5T6ATE DR CAMP fiIt_L PA 17011-1309 Account Number ending in Entter Amount Enc~los~d Below $I - Pay online at ~°+vnv.Discover.com or make check payable to Discover. Phone and inlernat 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 Illru{Irrslls,nllnrlull CHARLOTTE NC 28272-1084 Address, e-mail or telephone change (rrlrllulrri~rl~rrrlrrlrlrrr~lllrtilrrlrili+llrrlrrlrrlr{rrl4 Go to vvvrvr.Discover,cam or print change in space above. ing Uate: May /, 'lu l V Closing Date: June 6, 2 Discover More Card Account Summary ,Account number ending in 1b23 !,Previous $alance $1 1,535.32 Payments And Credits 341.00 I Purchases + 570.48 Balance Transfers + 0.00 I, Cash Advances + 828A4 Finance Charges + 322.84 ~ Other Fees t + 0.00 -___ !New Ba once __ , $12,915.68 ~ See Finance Charge Summary section following transactions ~ for detailed APR information Credit line $16,400.00 Creditlfne Available $3,484.00 Cash Advance Credit lino $8,300.00 Cash Advance Credit Line Available $180.00 Yau may be able to avoid Periodic Finance Charges, see the reverse side for details. ~ tSee transaction detail for a description of any fees chargad.i Cg511 gCIC Bonus® Anniversay Month Cfctober Opening Cashback Bonus Balance $ 12.66 New Cashback Bonus This Period + 5.70 Cashback Bonus Balance , $ 18.36 To Iwrn more, lay in al www.piscover.com and select Rewards 3 Easy Ways to Contact Us 1. Access your account securely qt www.Discover.com 2. Call l•800~DISCOVER (t•800.347-?683) Please have your Discover®card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (telecommunications Device for the Deaf) assistance, please roll i-800-347-7449. )10 page 1 of 2 Payment Information New Balance $12,915.68 Minimum Payment Due $318.00 Payment Due Date July 2, 2010 Late Payment Warning: IF wa do not receive your minimum payment by the date listed above, you may have io poy a late Fee of up to $39.00 and your purchase APRs for ne~v transactions maybe increased up to the Default APR of i 29.99% variable. Minimum Payment Warning: If you make only the minimum poyment each period, you will pay more in interest and it will take you longer io pay off your balance. For example: IfyQU make na .' Youyvdl payEi'ff Adyvu vril(end additional cha~gas fh~ balance shown up;~'tiyir#g art Using this ca[d and ~n;fhis statement estimQtad tolai of „ docft m9nfh YAU ApY+ rtstk~out Onlyihe minimum 53 years $114,946 payment $541 3 years 19'482 Savings . $95,464 ~ 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 Paydovm Planner to create a plan to ay down your balancer securely.access statements; pay- bi11s online and easily track all transactions Make your money worth moresht-find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Trans, post Date Date Payments and Credits May 29 May 29 PAYMENT TfiANK YOU $ 141.00 Moy 29 May 29 PAYMENT THANK YOU -200.00 Merchandise May 23 tAay 23 CVS/PHARMACY MECHANICSBURGPA 34.78 Gasoline May 15 May 15 HESS 38285 CAMP HILL. PA 30.04 May 15 May 15 HESS 38285 CAMP HILL PA 25.80 May 18 May 18 HESS 38285 CAMP HIlL PA 23.57 See reverse side. D`S^~VER DISCOVER. - --- ------- ,,~ _ I~poysto'.Y~IS-J PRAYER,TERRIEI Account number ending i page 2 of 2 Transactions Trans. Post Date Date Gasoline May 20 May 20 NESS 38285 CAMP MILL PA ~ 23.57 May 21 May 21 HESS 38285 CAMP HILL PA 20.02 May 21 May 21 HESS 38285 CAMP HILL PA 23,57 May 22 May 22 HESS 38285 CAMP HILL PA 20.02 May 24 May 24 HESS 38285 CAMP HILL PA 19.21 May 25 May 25 HESS 38285 COMP HILL PA 23.57 May 26 May 26 HESS 38285 C,MAP HILL PA 23.57 May 27 May 27 HESS 38285 CAMP HILL PA 38.32 Moy 27 May 27 HESS 38285 CAMP HILL PA 19,pg May 30 May 30 SHELL 5754155'7308 MILLSBORO DE 24.35 May 31 May 31 SHELL 57541597308 MILLSBORO DE 33.00 tun 2 Jun 2 HESS 38285 CAMP HILL PA 17.78 Jun 3 Jun 3 HESS 38285 CAMP Hlll PA 20.00 Jun 3 Jun 3 HESS 38285 CAMP HILL PA 25.01 Cash Advances May 20 May 20 CASH ADVANCE CHECK ACH X9140 USA 300.00 _ _ VERIZON ARC May 20 _ May 20 CASH ADVANCE TRANS FEE FINANCE CHARGE 9.00 Jun 1 lun 1 CASH ADVANCE CHECK #9141 USA 328.04 Jun 1 lun 1 CASH ADVANCE TRANS FEE FINANCE CHARGE q,g,q Jun 4 lun 4 CASH ADVANCE CHECK ,°x9142 USA 200.00 Jun 4 .lun 4 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.00 i5upermarkets May 15 May 15 KARNS C~UALIT`! FOODS MECHANICSBURGPA 27,85 May 16 May 16 KARNS QUALITY FOODS MECHANICSBURGPA 36.77 May 22 May 22 KARNS QUALITY FOODS MECHANICSBURGPA 33.81 May 31 May 31 FOOD IION x0960 MASSEYS LAND DE 26.79 ,Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Other Periodic Fee current billing period: 31 days Daily P~dic - P~ERTE8NiAGE RATESNTAGE Balances _ FIHARG E FINANCE C ES C RGES Purchases $3,570.53 0.07942~,> 28.99°b 28.99°0 $87.90 $0 Cash Advances $8,533.82 0.07942% 28.99°b 33.03% $210.10 $24.84 V =Variable Raie QU@StiOnS? Visit `Hww.Discover.com or call 1-800-DISCOVER (1.800-347-2683). DISCOVER New Balance Minimum Payment Due DISCOVER $13,505.11 S377.OI~ Payment Due Date August 2, 2010 06 SOSN6AOi 0001571 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EAST~ATE DR CAMP HILL PA 17011-1304 Account Number ending in~ Enter Amount Enclosed Below $~ Pay online at ~ww~.Discover.com or make check payable to Discover Phone and Internet payments must be made by S:OOpm ET for same day posimg. Please see "Notice of Changes to ~---~ your Interest Rates" section PO BOX 71084 {I{nr{{ur{{nrr{{r,r~u{{ CHARLOTTE NC 2$272-1084 Address, a-mail or telephone change? (u{r{{rr{+rr{r{{rrr{rr{r{rrr{{{{rrr{rr{rt{rr{{~r{ii{ir{~{i~{{ Go to vvvvw.Discaver,com or print change in space above. Opening Date: June 7, 2010 - Closing Daie: Jv{y 6, 210 page 1 of 2 Discover More Card Account Summary `Account number ending in 1623 Previous Balance $12,915.68 Payments And Credits 318.00 Purchases + 551.32 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 317.1 1 Foes Charged + 39.00 ___ _ _ _ _ New Balance _ Y _ 13,505.11 See Interest Charge Calculation section following transactions for detailed APR informa tion Credit line $16,400.00 Credit-Line Available $7;894:00 Cash Advance Credit line $8,300.00 Cash Advance Credit Line Available $180.00 I You may be able to avoid Interest Charges, see Additional Important Informaton for details. Iii Casftback Bonus® Anniversary Month October Opening Cashback Bonus Balance $ 18.36 New Cashback Bonus This Period + 5.51 Cashback Bonus Balance ~ $ 23,87 to leorn more, log in of www.Discover.com 3 Easy Ways to Contact Us l . Access your account securely at www.Discover.com 2. Call 1.800-DISCOVER (1.800-347-2683. Please have your Discover®card availab e. 3. -Write to us at Discover, PO Box 30943,- -- - - - Self Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 5103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the peat) assistance, please call i•800.347-7449. Payment Information New Balance $13,505.11 Minimum Payment Due $377.00 Payment Due Date August 2, 2010 Late Payment Warning; If we do not receive your minimum payment by the date listed above, you may have to pay a late tea of up to $39.00 and your purchase APRs for new transactions may be increased up to the Penalty APR of 29.99! 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: if you;moke n0 ; Yoii wt((~py off Anc7 yoyrtitrll etjc{ addthonal charges ' tha;balorice shown up {q ~ r<'r< ff~ ~t ~ r usrr3g,tlul card gnd on<lhis stotement estimbtsci t4jgl Of ea¢fi 4'tOtttkr yov Pay [t;~t~icsrr.. ,..:..~:<: f < Only the minimum 55 years $125,067 payment $565 3 years 20,349 avings = $104,718 If you would like information about credit counseling services, call 1.800.347-1 121. Manage Your Account Online at www.Discover.com Access free online tools like Paydov+n Planner to create a plan to pay dovm your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morestt-Find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Dpte Data Payments and Credits Jul 3 ;ul 3 PAYMENT THANK YOU $ •100.00 Jui 3 }ul 3 PAYMEN7 THANK YOU _218.00 Merchandise Jun 5 Jun 7 CVSJPHARMACY MECHANICSBURGPA $ 21.43 Jun 13 Jun i3 CVSfPHARMACYMECHANICSBURGPA 14.48 Jun 29 Jun 29 CVS/PHARMACY MECHANICSBURGPA 21.43 I.10TICE: SEE REVERSE SIDE fOR IMPORTANT IfJFORMATION D~S~'"•V~D DISC©VER ~it paysic PRAYER,TERRIEL ~~~~E~ Account number ending i page 2 of 2 l~!'~ Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 29.5'9% on new transactions. This APR will vary with the market based on the Prime Rate.* This change will impact your account as follows: Purchases made on or after 7 26/10: As ~~f 9/7/10, the Penalty APR will apply to these purchases (unless a promotional rate applies). We will keep the APR at this level indefinitely. Purchases made before 7f 26/10 and other transactions• Current rates will continue to apply to these purchases and transactions. *This Annual Percentage Rate ("APR") equals the U.S. Prime Rate + 26.74% - - (corresponding daily periodic rate of 0.08216%). - - ~Interest Charge Calculation Your Annual Percentage Rate (APRs is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBIECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 28.99'6 $4,136.97 $98.57 Cash Advances 28.9996 $9,172.93 $218.54 V =Variable Rate Additional Important Information. See your Cardmembar Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1.800.347.2683. 'What To Do tf Yau Think You Find a lNistake On Your Stat me If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Account information: Your name and account number. _. , _ .. Doll,,,,,•, n~r,amo~nt: The dollar amount of the suspected error. - __.... Descri tion of Problem: IF you think there is an error on your bill, de.,cribe what you believe is wrong and why you believe it is a mists e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wntin .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, ine following are true: We cannot by fo collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to chat amount. While ycu do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Riahts if You Are Dissatisfied With Your C dit Card Purchase Ir you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you inay have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and she purchase price must have been more than $50. (Note: Pleither of these are necessary if your purchase was eased on an advertisement we mailed to you , or if we own the company that sold you the goads or services.) 2. You must have used your credit card for 1ha purchase. Purchases made with cash advances from an ATM ar with a check that accesses your credit card account do not qualify. - -3: You mwt not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us inin v+~itina at: Discover, FO Box 30945, Salt lake City, Ui 84130.094:1 While ~,ve investigate, the same rules apply to the disputed amount as discussed above. Aker we finish our investigation, we will fell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum ;Payment Due by the Payment Due Date. Send only your payment and the Fop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer 6•om your account at the Financial institution indicated on your check or to process the payment as a check transaction. If paymeat is processed as an electronic fund transfer, the transfer will be for the amount of the check. Wlien we use information trom your check io make an electronic Eund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial ~insfitution. The processing of your payment maybe delayed if you send cash, a~rrespondence or other items wish your payment, if you send the payment to cnyy other addressor if you use an envelope other than the one provided. Payments received in proper form at our processing facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelcpe, send your payment fo Discover, PO Box 6103, Carol Stream, IL 601 97-6 1 03. Please allow 7-10 'days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. tJOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D1SC~VER New Balance Minimum Payment Due DISCOVER 514,527.04 $3b7.01~ Payment Due Date September 2, 2010 06 SDSN6AOt 0001572 PRAYER, TERRIE L PRAYER, FREDERICK G 50 EASTGATE DR DAMP HILL PA 17011-1309 Account Number ending in~ Enter Amount Enclosed Belov+ $~ Pay online at v+vnv.Discoveccom or make check payable to Discover. Phone and internek 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 {{{ur{{nr{{nu{{us{n{~ CHARLOTTE NC 28272-1084 Address, a-mail or telephone change? Irrltllrrl~rrlrlirrrlrrlr~rr+lli~rrr{rr~rrlrr{{rrl~r~rr{rlr~ll Go to www,Discaver.com ar print change in space above. Opening Date: July 7, 2010 - Ciasing Date: August 6, 2010 ,Discover More Card Account Summary Account number ending in 1623 Previous Balance $13,505.1 1 Payments And Credits 377.OD Purchases + 1,052.36 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 346.57 Fees Charged + 0.00 __ _ New Balance i-14,527.04 See Interest Charge Calculation section following transactions for detailed APR information Credit tine $1 b,400.00 Credit Line Available $1,872:00 Cash Advance Credit Line $8,300.00 Cash Advance Credit tine Available $180.00 You may be able to avoid Interest Charges, see Additional Important 4nformation for details. ~.uonuu~n uvnuo Anniversory Month October Opening Cashback Bonus Balance $ 23.87 Nev+ Coshback Bonus This Period + 10.52 Cashback Bonus Balance- ^ $ ~ 34.39 io learn more, Icg in nt www.Discover.com 3 Easy Ways to Contact Us l . Access your account securely at www.Discover.com 2. Call 1.800-DISCOVER (1.800-347.2683). Please have your Discover®card available. 3. Write to us at Discover,-PO Box 30943; - - - Salt Lake City, UT 8d 130 (Not a payment address} For payments, please send to address on remittance or Discover, PO Box b 103, Carol Stream, IL 60197•b 103 For TDD (Felecommunications Device for the DeaFt assistance, please call 1.800.347-7449. NEW! Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Aug 1 Aug 1 PAYMENT THANK YOU $ -377.00 Merchandise Jul 14 JuI 19 RITE AID CAMP HIlL PA $ 16.50 Gasoline Jul 5 JuI 7 HESS 38285 CAMP HIL! PA 23.57 Jul 7 .JuI 7 HESS 38285 CAMP HILL PA 17,78 JuI 10 lul 10 HESS 38285 C,~dP HILL PA 23.57 page 1 of 3 Payment Information New Balance $14,527.04 Minimum Payment Due $367.00 Payment Due Dote September 2, 2010 Late Payment Warning: IF v+e do not receive your minimum payment by the dale listed above, you may have to pay a lace tea of up to $34.00 and your purchase APRs Eor new transactions maybe increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: IF you make only the minimum payment each period, you v+ill pay more in interest and it will take you longer to pay off your balanc®. For example: ff yaumake no<' `CQg wrl( P91rQfk.r id you,+Ili e>td dddd%bnal shargas tl7a~bal'p'rtc'e slra ~ up ~ying.gn using3his eard'and on:lhis stctemen~ 0strmated lotai of , each~nggth;y4:9;.PQy :r1so'aout <.: Only the minimum b0 years $146,486 payment $609 3 years 21'913 avings = $124,573 IF you would like information about credit counseling servicos, call 1.800.347.1121. Manage Your Account Onf ine at www.Discover.com Access Free online tools like Paydov+n Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track aft transactions Make your money v+orth morastt-find easy ways to earn and redeem cash revrards NOTICE: SEE REVERSE SIDE FOR IMP02TANT INFORMATION D1SC~VER DISCOVER It pays to~~~ PRAYER, TERRIE L € Account number ending page 2 of 3 Interest Charge Calculation Your Annual Percentage Rale (APR) is the annual inte rest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE {APRJ INTEREST RATE Purchases 28.99% $4,767.31 $117.38 Cash Advances 28.99% $9,309.28 $229.19 V =Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Call 1.800.347-2683. What To Do tf You Think You Find A Mistake On Your Statement If you think there is an error on your statement, v+rite to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your letter, give us the follawmg information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Descri tio~n of Problem: 1f youthink there is an error on-your bill, describe v+hak you believe is wrong and why-you believe it is a mistake. You must contact us within 60 days after the error appeared on your siatement. You must notify us of any potential errors in w~rit'ng. You may call us, but if you do v+e 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: VJe cannot fry to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and v+e may continue to charge you interest on that amount. But, iF we determine chat we made a mistake, you v+ill not have to pay the amount in question or any interest or other fees related to that amount. ~Vhila 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 limn'. Your Rights If You Ara Dissatisfied With Your Credit Gard Purchases if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use This right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Nate: Neither of these are necessary if your purchase v+as bused on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made v+ith cash advances from an ATM or v+ith a check that accesses your credit card account do not qualify. 3. You mus} not yet have fully paid for the purchase. if all of the criteria above are'met and ou are stilt dissatisfied wi}hlfie pirchase;"conidcFUs tri G+rit~na at:` Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigaie, the same rules apply to the disputed amount as discussed above. After we Finish our investigation, we will call you our decision. At that point, if v+e think you ov+e an amount and you do not pay v+e may repo~i you as delinquent. 'Payments. You may pay alt or pact of your Account balance at any time. However, you must pay at feast the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provrded. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa meat is processed as an electronic fund transfer, the transfer v+ill be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrov+n from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after SPM local time v+ill be credited 10 our Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days for deliver;. If your payment is returned unpaid, we reserve tie right to resubmit it as an elec}runic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTAIJT INFORMATION D~SC,~VER - _ ------ DISCt~VER' trPaYslo PRAYER,TERRIEL ~ Account number ending page 3 of 3 Information For You With lightening lending standards, it's never been more import<rnt 1o stay on top of your score.. Credit ScoreTracker helps you understand what may be a{{acting your credit rating. Visit Discover.com/creditscoretracker or call 1-866.256.4532 to learn more or to enroll. Identity Theft Projection provides daily 3-bureau credit reports rrionitoring and alerts you of key changes that may help you identify potential Fraud. Visit Discover.com/identitylheftprolecti~~n or call 1.866.515.5302 fo learn more or io enroll. For only $2.99/month Wallet Protection helps notify card issuers ~ monitors your credit activity for 90 days jf your wallet is lost/stolen. `fish Discover.com/walleiprotecfion orcall 1.877.623.8014 to learn more or to enroll. Questions? Visit www.Discover.com or call 1-800-DISCOVER ~1-800-347-2683. DlSC~VER DISCOVER New Baksnce Minimum Payment Dw 516,083.32 5428.00 Poynrrt Dw Date Ovieber 2, 2010 Accaxrt Number ending Enter Amours Errclo,ed S -I Pay adirr d www.Diuowr.oan a make cfrck payable b Discover. Phan and irrerrut paymerrs must bs made by S:OOpm ET for same ~Y P°~n8~ Te>Q APP rq DISCOV' b receive ~ ink to oflr tree rrtobiia app aril pay your bitl ~ saoonds from snywfnrel 08 SDSNSAOt 0001573 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EA5T6ATE DR CAMP HILL PA 17011-1309 PO BOX 71084 Illusllusllunlluslull CHARLOTTE NC 28272-1084 Addre,, «mail ort.l.piroo. ~arg.l< Irrlrllrrlrrrlrllrrrlrrlrlrrrilllrrrlrrlrrlrrllrrlrrlrrlrlrrll Go b vw+w.Discover.can « print ciwrg. in spoee above. Opening Data: August 7, 2010 - Goering Dale: SapMmber 6, 2010 Discover Moro Card Ikcoun! Summary Account number rending in 1623 Prwious Boksnce 514,527.04 Paryments And Credits 377.00 Purchases + 1,526.35 Baksnce Transfers + 0.00 Caish Advances + 0.00 Interest Charged + 382.13 feu C + 25.00 _ New nce 16,083.52 Sw Irderest Charge Cakukation section folbvrire honsrsctions kx detaiksd APR information Credit line 516,400.00 Credit line Avaiable __ _ __.._ _..- - 6376.00 Cash Advance Credit Line 58,300.00 Cash Advance Credit line Available =180.00 You may be able b avoid Irrbrest Charge, see Additional Imporianf Information -or debib. wa+un,e.w ev~e,rw Amiversory ~~ Ocld»r Opening Cashbock Borws Baksnce S 34.39 New Ca:lrbock Bonus This Period + 15.26 G,Nseck ~orrs, ~ailtasoe >j 49.65 To Faro mar.. be in er www.Di,eoM,r.aere 3 Easy Ways to Contact Us 1. Access your aiccourrt securely at vwrw.Dlrcevercem 2. CaA 1.804UiSCOVER (1.804347-26831. Please how your Discovers cord awil •. 3. Write b us at Discover PO Boor 30943; Solt lake City, UT 841 §0 (Hof a payment address( For payments, pleas send b address on rernitlana a Discover, PO Box b103, Coral Stream, 1160197103 For TDD (Telecommunications Device for the Deal) aaaisbnce, please caY 1-800.347-7449. Transactions T ~ I Daa . D. Paysrrwsf, esvd Cledis Sep 3 Sep 3 PAYMENT THANK YOU s X77,00 Gaselirse Aug 5 Aug 7 HESS 38285 CAMP HILL PA 5 23.57 Aug b Aug 7 HESS 38285 CAMP HILL PA 26.06 Aug 7 Aug 7 HESS 38285 CAMP HILL PA 25.02 Aug 11 Aug 11 HESS 38285 CAMP Hill PA 23.57 page 1 of 3 Paymorlt Inforitlation New Resents 516,083.52 Minimum Payment Dw 6.128.00 PaymeN Dw Date Gciobr 2, 2010 lssle PeyrsresM Wawina: IF vw do not receive your minimum paymert by the dare (isied above, you mry haw b pay a lde fe. of up b 535.00 a,d your purclwse and balance Irtxnisr APRs for new trarsocfion, maybe increased up b the Perw~y APR of 29.99X variable. Miriressr hyarsr Wenrirg: if you masks aJy sir minimum payment each period, you veil pay more in idenesf and r wii take you ksrrger b pay off your balance. For eroonrple: Ody Ifr minimum 66 yegfi 5179,222 paymerY 5674 _ 3 years :2154,975 If you would like inforrnafion about audit oaeuelirg services tai 1-800.347.1121. Manager Your A~oowlnt Onlint- at www.D'aoowra~ltn Access bee onlirr bola like Paydown Plorrw b create a plan b pay dawn your baksnn, securely aiceus sfaNrrwrls, Pay bits online and easily hock aY hansodians Make your merry worth mangy-find easy ways b eam and redeem cash swards NE W T Acau your accourr securely drrough your mobile phorr ,NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DWC~VE~ DISC©VER it paysio PRAYER, TERRIE L ~ j Account number ending' i page 2 of 3 Interest Charge Calculation Your Annucl Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period; 31 days j TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE ~ RATE (APR) INTEREST RATE Purchases 28.99°0 $5,045.00 $148.83 Cash Advances 28.9995 $9,475.52 $233.30 V =Variable Rcte Additional Important Information. See your Cardmamber Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immedioteiyl Call 1.800.347.2683. What To Do If You Think You Find A Mistake On Yovr Statement If you chink there is an error on your statement, write to us at: Discover, PO Box 3042 i, Salt Lake City, UT 84130.0421 In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Descri tion of Problem: if you think there is an error on your bill, describe what you believe is wrong and why you believe iY is a mists e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors i_n__w_nt~ing. You may call us, but if yov do we are not required to investigate any potential errors and you may have to pay the amount in question. While vre investigate whether or not there has been an errar, 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 vre may continue to charge you interest on chat 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 fo pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount agoinst your credit limit. Your Rights Ff You Are Dissatis>•red With Your Cr~it Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you moy have the right not to pay the remoimng amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or vrithin 100 miles of your currant mailing address, and the purchase price must have been more than $50. (Nola: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if vva own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase, Purchases made with cash advances From an ATM or with a check That accesses your credit card account do not qualify. 3. You must not yet have fully paid For the purchase. lFall of the criteria above are met and you are still dissatisfied with the pwchose, contact us in vrritna at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After ova finish our investigation, we vrill tell you our decision. At thot point, if we think you ovre an amount and you do not poy vre may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Data. Send only your payment and the top portion of Ibis statement in the envelope provided. Da not send cash. 8y sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer Fram your account at the financial institution indicated on your check or to process the payment as a check transaction. if paymeat is processed as an electronic fund transfer, the transfer will be for the amount of the check. When vre use information hem your check to make an electronic fund transfer, Funds maybe vrithdravm from your account as soon as the same day vre receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send casfr, correspondence or other items v+ith your payment, if you send the payment to anyy other address or if you use an envelope other than the one provided. Payments racewed m proper form at our processing tacility by 5PM local time on ony dayy will be credited to your Account as of that day. Payments received at our pracessmg facility after 5PM local time v+~ll be credited to your Account as of the next day, if you have misplaced your envelope, send your payment to Discover, PO Bo:K 6103, Carol Stream, IL 60197.15103. Please allow 7.10 days for delrvery. If your payment is re(urned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVf:RSE SIDE FOR IMPORTANT INFORMATION DiSC~VtR DISC©VER' It paysio PRAYER, TERRIE L ~~~~~ Account number ending ir~ page 3 of 3 Information For You You can't beat a day of Fun of Six Flags(R), and you can't fop this deal -- gel 4 Pickets fo Six Flags far only $994 Order by 10/1 1 /10 and visa any time before 1 /4/1 1. Visit wvnvsixflags com/discover4for99 and purchase with your Discover(R) Card. Also, we ycur card at Six Flags and save 3% instantly •- Discover, the official card of Six Flags. Protect your purchcses vrith a 5quareTrade Care Plan! Shop anyvrhere with your Discover Card and get your vrarranties through our preferred provider SquareTrade. Please visit wmv.discovercard.com/protection-solutions/warranty.hfml far details. For only $2.99/month Wallet Protection helps notify card issuers ~: monitors your credit activity for 90 days if your wallet is lost/stolen. Vint Discover.com/vralletprotection or call 1.877.623-8014 fo learn more or to enroll. QU@St1o11S~ Visit www.Discovet-.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCQVER New Balance $16,154.47 06 SDStJ6A0t 0001574 PRAYER, 7ERRIE L PRAYER, FREDERIGK C 50 EASTfATE DR CAMP HILL PA 17011-1309 P t D Mi Account Number endin i~ ~! aymen ue nmum 0 g $410. Enter Amount Enclosed Below Payment Due Date $ ~'~-~ November 2, 2010 Pay online at tvww.Discover.com or make check payable to Discover. Phone and internst payments must be made by 5: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! I PO BOX 71084 ~~~ur~~"'~~'r"{~"'~„~~ CHARLOTTE NC 28272-1084 Address, email or telephone change? ~u~t~~n~ut~r~~ur~n~r~nr~~~~ur~u~u~n(~uin~u~r~rr~~ Go to vvvrvv.Discover.com or print change in space above. g Uate: September 7, 2010 - Closing Date: Oc (Discover More Card Account Summary Account number ending in 1623 Previous Balance $1 b,083.52 Payments And Credits 428.00 Purchases + 110.40 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 389.05 Fees Charmed _~ + 0.00 New 8afance $16,154.97 See Interest Charge Calculation section following transactions for detailed APR information Credit line $16,400.00 Credit Lme Availdble $245.00 Cash Advance Credit Line $8,300.00 Cash Advance Credit Line Available $180.00 You may be able to avoid Interest Charges, sse Additional Important information for details. Cg5~1bgC~C BOCiUSm Anniversary Month October Opening Cashback Bonus Balance $ 49.65 New Cashback Bonus This Period + 1,10 Cashback Bonus Botonce $ 50.75 To learn more, log in at www.Discover-corn 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1-800-D15COVER (1.800-347.2683. Please have your Discover®card availab a. - 3. Write fo us at Discover,- PO Box 30443, - - - Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call i •800.347-7449. page 1 of 3 obey b, 2010 Payment InFormation New Balance $1 b, l 54.97 Minimum Payment Due $410.00 Payment Due Date November 2, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have io pay a late Fea of up to $35.00 and your purchase and balance transfer APRs for new transactions maybe increased up to the Penalty APR of 29.99% 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. Far example: If you'make no You wtU pay aft , Aqd>yot! vrili end additional charges the balance shoti~n J up paying an using tilt;. card cnd an th,s stalemartl s: estimated total,of ,. each`roonth yov pay... in obaut... Onlyiheminimum bb years $180,785 payment $678 3 years 24,396 ovings = $156,389 1f 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 ay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresr~t-find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Date Oct 1 Post Date Oct 1 AYMENT THANK YOU -428.00 Merchandise Sep 10 Sep 10 P,ITE AID CAMP HILL PA $ 2 i .83 Gasoline Sep 4 Sep 9 HESS 38285 CAMP HILL PA 17.59 Supermarkets Sep 5 Sep 7 KARNS QUAUPY FOODS MECHANICSBURGPA 11.63 Sep 25 Sep 25 KARNS QUALITY FOODS MECHANICSBURGPA 32,01 Sep 2b Sep 26 KARNS QUALIIY FOODS MECHANICSBURGPA 27.34 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D1SC~VER DISC9VER trpaysto C~~ PRAYER,7ERRlEI ~g_I Account number endin page 2 of 3 Interest Charge Calculation Your Annual Percer~tage Pate (APR) is the annual inlerest rate on your account. Current Billing Period: 3tl days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CWARGE RATE (APR) INTEREST RATE Purchases' 07/26/2010 and alter 29.99 V 52,114.59 552.11 07/25/2010 and prior 28.99°0 54,5:17.04 5108.58 Cash Advances 28.99% 59,584.67 5228.36 V =Variable Rafe ' Dates apply to non-promotional purchases and to expired promotions v+ith start dates v+ithin the specified dale range Additional Important Information. Sae your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1.800347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letler,.give us the following information: _ _ -_ _ _ Flccount information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Descri lion of Problem: If you chink there is an error on your bill, describe what you believe is wrong and why you believe it is a mista;e. i You must contact us within 60 days after the error appeared on your statement. You must notity us of any potential errors inin 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 queshon. While we investigate v+hether or nor there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent an that amount. T'he charge in question may remain on your statement, and we may continue to charge you interest an that amount. But, iF we determine chat we made a mistake, you will not have to pay the amount in question or any inlerest or ocher fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your bolance. We can apply any unpaid amount against your credit limit. ;Your Ri ha is tf You Are Dissatisfied With Yaur Credit Card Aurchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use ibis right, alt of the following must be true: The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase pi ice must have been more than $50 (Note Neither of these are necessary if your purchase v+as '... bosedonan.gdve.rt~5e~ent.lv9.mpi(eGI.t4..yG.St,vr.tfy~e,of+n the,com.f>a.~y.thatsold.yputhe..gogds.orserYtces.)..,.___.. 2. You must have used your credit card for the purchase. Purchases made with cash advances fi•om an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all o"r the criteria above are met and yyou are still dissatisfied v+ifh the purchase, contact us in v+rifing at: Discover, PO Box 30945, Salt Loke Cit}r, UT 84130-0945 While v+e investigate, the same rules apply to the disputed amount as discussed above. After vve finish our investigation, we v+ill tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ;Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum iPayment Due 6y the Payment Due Date. Send only your payment rand the top portion of this statement in the envelope ;provided. Do not send cash. By sending your check as described above, you authorize us io use information on your check to make an slectionic fund transfer From your account at the financial institution indicated on your check or to process the ',payment as a checi: transaction. If pa ment is processed as an electronic fund Transfer, the transfer will be for the amount of 'the check. VS+ftan v+e use information from your check to make pn electronic fund transfer, funds maybe v+ifhdrawn from your :account as soon as the carne day we receive your payment, and you will not receive your check back from your financial 'institutiai. ;The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you (send the payment to anyy other address or if you use an envelope alher than the one provided. Payments received in proper 'form at our prccessing tacility by 5PM local time on any day v+ill be credited to your Account as of that day. Payments received at our processing fauhty offer 5PM local time wilt be credited to your ,4ccount as of the next doy. IF you have .misplaced your envelope, send your payment io Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery IFyour payment is returned unpaid, we reserve --he right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ~ISC~VER DISCOVER' ~~ Information For You When making payments, please send a check with your payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or late payments, as it can fake additional time to process and credit cash payments and payments sent to a different address. The Additional Important Information section on your statement prov~d9s specific. details. Need Casht' Whether it's for an unexpected bill or an emergency car repair, Discover(P.) Card can ahvays help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more. For only $2.99/month Wallet Protection helps notify card issuers & monitors your credit activity for 90 days if your wallet is lost/stolen. Visit Ciscover.com/walletprotection or call 1.877.623.8014 to learn more or to enroll. ~~Itl lK Itt~h~ h F DAA ATI(ll.l r\tin/~~\ /!~A New Balance DISCOVER $1b,406,25 00 SDSNOA010001575 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Minimum Payment Due Account Number ending $429.00 Enter Amount Enclosed Be ow Payment Due Date December 2, 2010 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $6.25. Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anywhere'; PO BOX 71084 ~~Enr~~ru~~nu~~nr~n~~ CHARLOTTE NC 28272-1084 Address, email or telephone change? itritiitrirrrir~~rrr~rr~ritrr~l~~rrrirr~rr~tr~~trirrirr~r~rri) Go to www.Discover,cam or print change in space above. 0 Opening Date: October 7, 2010 Closing Dafe: November 6, 2010 I Discover More Card Account Summary Account number ending in 1623 Previous Balance $16,154.97 Payments And Credits 410.00 Purchases + 253.07 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + d08.2i Fees Charged + 0.00 _ __ _ ____ New Balance __ _ $16,406.25 See Interest Charge Calculation section Following transactions far detailed APR information Credit line $16,400.00 Credit Liha Available $0.00 Cash Advance Credit line $8,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. CCtS(1(JgC{C BgnD$m Anniversary Month October Opening Cashback Bonus Balance $ 50.75 New Cashback Bonus This Period + 0.63 Cashback $onus Balance $ 51.38 To learn more, log in al www.Discovor.com 3 Easy Ways to Contact Us 1 Access your account securely at vvww.Discover.com 2. Call 1.800-DISCOVER (1.800.347.2683). Please have your Discover®card available. 3. Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Ciscover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. page 1 of 3 Payment Information New Balance $16,406.25 Minimum Payment Due $429.00 Payment Due Dafe December 2, 2010 Laro 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 io $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99°o variable. Minimum Payment Warning: IF you make only the minimum payment each period, you v+iil pay more in interest and it wilt take you longer to pay off your balance. for example: tF you make no ' You vvdl poy off And yCtu vnll and.~~f additional charg0s ,.' the balance shown up paying an usingihs caCt#gpd ; onthis statement esttmnted totaloF such Tn9n1by0v pity in about .. Only the minimum 67 years $186,251 payment $688 3 years 24'781 avings = $161,470 ~ If you v+ould like information about credit counseling services, call 1.800.347.112 i . Manage Your Account Online at www.Discover.com Access hee online tools like Paydown Planner to create a plan to ppay down your balance, securely access statements, pay bills online and easily track all transactions Make your money v+orth moresht-find easy ways to earn and redeem cash rev+ards NEW! Access your account securely through your mobile phone Transactions Trans, Post Dafe Date Payments and Credits IJov 1 Nov 1 PAYMENT TH,4NK YOU $ -200.00 Nov 1 Nov 1 PAYMENT TH,4NK YOU -210.00 Gasoline Oct 9 Oct 9 HESS 38285 CAMP HILL PA $ 20,02 Oct 9 Oct 9 HESS 38285 CAMP HILL PA i 7.59 Oct 10 Oct 10 HESS 38285 CAMP HILL PA 25.57 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISCOVER t,pays,;o ~ PRAYER, TERRIE L ,AVER ~ Account number endin~ page 2 of 3 Interest Charge Calculation four Annual Percentage Rale (APR is the annual interest rate on your account. Current Billing Period; 3l days TYPE OF BALANCE: Purchases' 07/26/2010 and after 07/25/2010 and prior Cash Advances V =Variable Rate ANNUAL PERCENTAGE RATE (APR( 29.99°o V 28.99% 28.99°0 BALANCE SUBJECT TO INTEREST RATE $2,434.88 $4,553.07 $9,508.43 INTEREST CHARGE $52.02 $112.09 $234.10 Dates apply to non•promotional purchases and to expired promotions with start dates within the specified date range Additional Important Information. Sea your Cardrnember Agreement. Your Cardmember Agreement contains all the terms of your Account. last or stolen cards. Report immediately) Call 1.800.347-2683. What To Do ff You Think You Find A Mistake O~Qu-• Statement If you think there is an error on your statement, write io us at: Oiscover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the f411owing ipFgrm9tign: _ _ _ _ _ _ _ _ _ _ Account infarmotion: Your name and account number. Dollar amount: The dollar amount of the suspected error Des~cri ~io~n of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potentiol errors i~r w rti .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 questron. 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 cfcarge in question may remain on your statement, and vve may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay fhe amount in question or any interest or other fees related to that amount. While you do not have to pay,he amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights !f You Are Dissat(sRed Wif Your Credit hard Pur,~(io es If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith fo correct the proolem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase pace must have been more than $50. (Note: Neither of these are necessary if your purchase was _ .based on qn.gdvetitsemQnt.S'i.~.Rt.4..i.IQ5Lt0..y9v ,.or. i.f Yie oWn.the GOmpgtly that sold..ypu.t~e.gov.S~.S_OrserY.ices,J _. __ _. __._ 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wrifina at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While eve investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At That point, if we think you owe an amount and you do not pay we ma•,~ report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and fhe fop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the Financial institution indicated on your check or io process the payment as a check transaction. If pa ment is processed as an electronic Fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may 6e withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 days for deliver}'. If your payment is returned unpaid, we reserve fhe right to resubmit it as an electronic debit. I~tOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DiSC~VER DISCOVER C~ Information For Yov When making payments, please send a check with your payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and coedit cash payments and payments sent to a different address. The Additional Important Information section on your statement provides specific details. I ca I -8 DISCOVER New Balance Minimum Payment Due $16,386.41 $453.00 Payment Due Date January 2, 2011 O6 SDSN6A01 0001570 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HIt.L PA 17011-1309 Account Number ending En(te-r Amount Enclosed Be ow ~I Pay online at vvww.Discover.com or make check payable to Discover. Phone and internal payments must be made by S:OOpm ET for same day posting. Text APP to D15COV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO $OX 71084 Illrrrl6nllurrlLrr6sll CHARLOTTE NC 28272-1084 Address, email or telephone change? (rrlrllrrlirrlsllrrrlrrlrlrrillllrrrlrrlrrlrrllrrlrr~rrlrlrrll Go to vvww,Discover.<om or print change in space above. Opening Date: November 7, 2010 Closing Daie: December 6, 2010 Discover More Card Account Summary Account number ending in 1623 ~ Previous Balance Payments And Credits $16,406.25 450.00 Purchases + 0.00 !Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 397 16 'Fees Char ed + 35.00 1~ew Ba ante ----- --~ -- $16,388.41 See Interest Charge Calculation section following ',.transactions For detailed APR information Credit line $16,400.00 Creditline Available $11.00 Cash Advance Credit Line $8,300.00 Cash Advance Credit Line Available $1 1.00 You may be able to avoid Interest Charges, see Additional Irnportant Information for details. 1.4i111JWLR u~rraa Anniversary Month October Opening Cashback Bonus Balance $ 51.38 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 51.38 To learn more, log in a1 www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800AISCOVER (1.800.3 4 7-2 68 3 1. Please have your Discover®card available. 3- Write fo us at Discover, PO Box 30943; - - Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (telecommunications Device for the Deaf) ^ssislance, please call 1.800-347.7449. --~. page 1 of 3 Payment Information New Balance $16,388.41 Minimum Payment Due $453.00 Payment Due Dnte January 2, 2011 taM Paymsnt Warning: If vve 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 Eor new transactions may be increased up to fhe Penalty APR of 29.99°o 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: If you moke ao > You yvt)f pa~p~ nd you ~rtlf efid additional charge3 ,, the balanceashpVr~n up pa~tng pt'V~ `~'` wing this card aril on Ihis statement estirrldtgtJ.}otgJgff, :ach monah you.pa.y, in about ::i>''.:#.: s Only the minimum 67 years $185,880 payment $687 3 years 24,747 avings = $161,133 ~ If you would like information about credit counseling services, call 1.800.347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay doom your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM-Find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Dec 6 Dec b PAYMENT ThANK YOU $ •450.00 Fees Dec 2 Dec 2 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 171.20 INTEREST CHARGE ON CASH ADVANCES 225.96 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC~VER DISCOVER It paystc~~ PRAYER,TERRIE! Account number ending i~ page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases' 07/26/2010 and aNer 29.99 io V $2,526.07 $62.26 07/25/2010 and prior 28.99°0 $4,572.11 $108.94 Cash Advances 28.99 ;b $9,484.41 $225.96 V =Variable Rate * Dates apply to non-promotional purchases and to expired promotions v+ifh start dates v+ithin the specified date range Additional Important Information. Sea your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1.800.347-2683. What To Do ff You Think You Find A Mistake On your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your IeBer~give us ihe_following information: _ _ - _ Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error Descri tio~n of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us evithin 60 days after the error appeared on your statement. You must notify us of any potential errors in w~ritin~. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay t it a amount in questton. While we investigate vrhether 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 vve may continue to charge you interest on that amount. But, if vre determine that vre made a mistake, you will not have to pay the amount in question or any interest or other fees related to That amount. While you do not hove to pay the amount in question, you are responsible for the remainder of your balance. VJe can apply any unpaid amount against your credit limit. Your Rights !f You Are Dissatisfied With Your Credit Card Purchases If you era dissatisfied v+ifh the goods or services that you have purchased v+ith your credit card, and you have tried iii good faith to correct the problem vrith the merchant, you moy have the right not to pay the remaining amount cue on the purchase. To use ;his right, all of the following must be true: 1. The purchase must have bean made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed fo you , or if we Byrn the company}hat soldyouu ihe_goods or services.). 2. You must have used your credit card for the purchase. ?urchases made with cash advances from an ATM or with a check ihot accesses your credit card account do not qualify. ~. You must not yet have fully paid for the purchase. {fall of the criteria above are met and you are still dissatisfied v+ifh the purchase, contact us in writina at: Discover: PO Box 30945, Salr Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, vre will tell you our decision. At that poin-, if v+e think you ovre an amount and you do not pay vre may report you as delinquent. Payments. You may ay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the f~ayment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. 8y sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa meat is processed as an electronic fund transfer, the transfer will be for the amount of ,the check. When we use information tram your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial instifufion- 'The processing of your payment may be delayed if you send cash, correspondence or other items wish your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will he creclifed to your Account as of the next day. If you have misplaced your envelope, send your payment fo Discover, PO Box 6103, Carol Stream, IL 60197.5103. Please allow 7-10 .days for deliver,;. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT It•1FORMATI01~ D1SClVER DISCOVER' ~~ Information For You As a reminder, you do nct pay any interest on new purchases if you pay your balance in full each month by your due date. This is called a "grace period." Yau vrill continue To receive at least 25 days as a grace period for new purchases, except that you will receive at least 23 days as a grace period for billing periods beginning in February as it is a shorter month. Remember, there is no grace period on balance transfers or cash advances. ca I l -8~ - SAC (-~00. 4 - 6 3). RMATION DIS AVER DISC©VER' New Balance Minimum Payment Due $16,343.79 $429.00 Payment Due Dare February 5:, 20i 1 06 SOSN6.401 0001577 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGA7E DR CAMP HILL PA i70I1-13D9 Account Number ending i Enler Amount Enclosed Be ow ~_~~ Pay online at vrvvw.Discover.com or make check payable to Discover. Phone and internet payments must be made by 5:OOpm ET for same day posting. Text APP to DfSCOV' to receive a link to cur free mobile app and pay your bill in seconds from anywhere) PD sox 71os4 Illrrrltrrrll~rrrllrrrirrll CHARLOTTE NC 28272-1084 Address,s•mailortelephonechange? trilrllrrliiilrllirilrrlrlrrrllllirili~lrilrillr~li~lrrlilrrl~ Go to www.Discover.com or print change in space above. Opening Uate: December /, 2U IU - Giosing Dafe: Jan Discover More Card Account Summary Account number ending in 1623 Previous Balarrca $16,388.41 Payments And Credits 453.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 408.38 Fees Char ed + 0.00 Ne~v Balance $16,343.79 See Interest Charge Calculation section following transactions fcr detailed APR information Credit Line $16,A00.00 Credit Line AvaiidGle $56.00 Cash Advance Credit line $8,300.00 Cash Advance Credit Line Available $56.00 You may be able to avoid Interest Charges, s ee Additional Important Information for details. Cashback Bonus Anniversay Month October Opening Cashback Bonus Balance $ S 1.38 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 51.38 To leorn more, toy in o. www.Discover.com uaryi5,20i1 page 1 of 2 Payment Information New Balance $16,343.79 Minimum Payment Due $429.00 Payment Due Date February 2, 2011 Late Payment Warning: !f we do not receive your minimum payment by the dale 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 maybe increased up to the Penalty APR of 29.99'6 variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will lake you longer to pay oEf your bolance. For example: If you make no ~ >`ouwtllpa~,git' • ?;nd you v ill end .I. ? add+honal charges' he{7y1ar56e sfzav~d uP payrng an ` using this card and on }h,s,atafants~t ~stt~gled tgta( Df each,month you.. a 7 p.. V(t4F]Ollt.- ; ;. ...:.:. • %:•<,,:' .:.::.:5 .::.:..: ;,,., Only the minimum 67 years $184,917 payment $686 3 years 24'681 avings = $160,236 ~ 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.cam 1 Access your account securely at wv+w.Discovar.com 2. Call i-800•DISCOVEP, (1-800.347-26831. Access free online tools like Paydown Plonner to create a plan our balance to pay dovm securel access statements Please have your Discover card available. , y y , pay 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 morestt-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197-b 103 NEW! Access your account securely Through your For TDD (felecomrnunications Device ter the Dealt mobile phone assistance, please call 1.800.347-7449. Transactions Trans. Post Date Data Payments and Credits Jan l tan 1 PAYMENT THi~tJK YOU $ •453.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 178.44 INTEREST CHAF;GE ON CASH ADVANCES 229.94 INTEREST CHAF;GE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT IIJFORMATION DISCOVER DISCOVER It pays to ~,~~~~~ ~ ~ PRAYER, TERRIE L •~~~1LL:LL.~J Account number ending i~ page 2 of 2 Interest Charge Calculation 'tour Annual I'ercantage Rate (APR) is the annual interest rate on your account. Currant Billing Period: 31 days TYPE OF BALANCE Purchases` 07/26/2010 and after 07/25/201D and prior Cash Advances ANNUAL PERCENTAGE RATE (APR) BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE 29.99% V 28.99% 28.99% $2,605.01 $4,553.36 $9,339.99 $66.34 $112.10 $224.94 V =Variable Rafe * Dates apply to non-promotional purchases and to expired promotions with start dates v+ithin the specified dale range Additional Important Information. Ses your Cardrnem6er Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost ar stolen cards. Report iminediatelyl Call 1.800.347-2683, What TQ Do If You Think You Find A Mistake On Your Statement if you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30-042 1 In your letter, give us the following information:_ _ _ _ _ _ _ _ Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Descri lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists <e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors ~'n v+r~tma. 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 v+e determine chat v+e made a mistake, you will net have to pay the amount in question or any interest or other fees related to chat 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 lirnif. Your Riahis if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased v+ith your credit card, and you have tried in good faith to correct the problem v+ith the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary iF your purchase v+as based. po art. ad.Verfrs.ement we.rnaile~l to ygu. , or if.)va otivn the, company that sold you the goods 4r services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a chect: that accesses your credit card account do not qualify. 3. Y'ou roust not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied v+iih the purchase, contact us in writing af: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After v+e finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ent is processed as an electronic fund transfer, the transfer will be for the amount of the check. When v+e use information ham your check to make an electronic fund transfer, funds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The Processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing Facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, vve reserve the right to resubmit it as an electronic debit. t~IOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISCOVER' New Balance Minimum Payment Due S 16,346,76 $429.00 Payment Dui Dafe March 2, 2(111 06 SDSN6A01 0001578 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 arv b, 2011 Po sox 71084 Ill~rrllrr~ll~rr~llrr~l~~ll CHARLOTTE NC 28272-1084 Address, email or telephone chonge8 Irrlrllrrlrirlrllrrrlrr~rlrrrllllrrrlrrirrlrrllirlrrlrrlrlr~ll Go to www.Discover.com or print change in space above. Opening Date: January i, zu t t t,tostng uate: reort Discover More Card Account Summary Account number ending in 1623 Previous Balance $16,343.79 Payments And Credits 429.00 Purchases + 23.80 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 408.17 tJew~ance $16,346.76 See Interest Cf~arge Calculation section Following transactions Eor detailed APR informaticn Credit Cme $16,400.00 Credit Circe Available _. 53.00 Cash Advance Credit Line $8,300.00 Cash Advance Credit Line Available $53.00 You may be able to avoid Interest Charges, see Additional Important Information for details. CasEtback Bonus° Anniversary Month October Opening Cashback Bonus Balance $ 5 i .38 New Cashback Bonus This Period + 0.05 Cashback Bonus Balance $ 51.43 To learn more, lob in ai www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1-800-347.2683. Please have yaur Discover®card availab a. ~. Write to us at Discover, PO Box 30943, - Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO box 5103, Carol Stream, IL 50197.6103 For TDD (Telecommunications Device for the Deal) assistance, please call 1.800-347-7449. Account Number ending in Enter Amount Enclosed Below Pay online at wvnv.Discover.com or make check payable fo Discover. Phone and internst payments must be mode by S:OOpm ET for same day posting. Text APP to DISCOV` to receive a link to our tree mobile app and pay your 6i11 in seconds from anyn•+here! page 1 of 2 Payment Information New Balance $16,346.76 Minimum Payment Due $429.00 Payment Due Dafe March 2, 201 1 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions maybe increased up to the Penalty APR of 29.99% 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: tf you.make no , Yoy tiyill payoEf;~ And you iwil('end ' addif)arialcharges ~. the balan~H shativA up paying an using this card ond< on thi4-staiemenf estimated total oE:. eoen month yoU.gvy.. in apa. ut _ Only the minimum 67 years $184,989 payment $686 3 years 24, 88 ovings = $160,301 ~ 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 cools like Paydown Planner to create a plan to ay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresht-find easy ways fo earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Feb 2 Feb 2 PAYMENT TH~at~K YOU $ -429.00 Merchandise Jan 19 Jan 19 JW MUSIC LEMOYt`dE PA $ 23.80 Foes TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 180.68 INTEREST CHAf:GE ON CASH ADVANCES 227.49 NOTICE: SEE REVERSE S IDE FOR IMPORTAIJT INFORMATIOtJ DISCOVER DISCOVER trpaysto PRAYER, TERRIE L Account number ending i~ page 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR} is the annual interest rate on your account. Currant Billing Period; 31 days TYPE OF BALANCE Purchases' 07/26/2010 and after 07/25/2010 and prior Cash Advances R TEUAPR)ERCENTAGE BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE 29.99.0 V 28.990 28.99% $2,686.88 $4,559.57 $9,240.04 $68.43 $112.25 $227.49 V =Variable Rate * Dates apply to non•promotional purchases and to expired promotions v+ith start dates v+iihin the specified date range Information Eor You Need CashB Whether it's for an unexpected bill or an emergency car repair, Discover{R} card can always help. Gef cash at ATMs natiomvide or have money deposited directly into your bcnk account. Visit Discover.com/cash to find out more. -This month, the featured-Cashback Bonus(R}-Redemption Partner is Bad-Bath ~ Beyand(R). Redeem $20 Gashback Bonus-for o $25 Bed Bath E Beyond gill card. Build extra Cashback Bonus by using your Discover(R) card to pay your monthly household bills like cable, cell phone, and insurance. lt's easy to set up, just contact your provider You'll earn rewards with every bill) Additional Important Information Sea your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Coll 1.800.347.2683. What To Do If You Think Yov Find A Mfsfake On Your Statement If you chink there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake Cify, l!T 84130.0421 In your letter, give us the following information: .4ccount information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem: IF you think there is an error on ;roar bill, describe v+hat you believe is wrong and why you believe it is a mrsta~ You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in vv+ntin .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, iha following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. _ _. e c large m question may remain on your statement, dnd ~4e may continue to charge youinterest on ifiat amount. But, if we determine that we made a mistake, you will not leave 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. Wa can apply any unpaid amount against your credit limit. Your Riahfs If You Are Dissatisfied Wifh Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the follo•,ving must 6e true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary iF your purchase was based on an advertisement we mailed io you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made v+ith cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied wish the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While v+e investigate, the same rules apply to the disputed amount as discussed above. After v+e finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the fop portion of this statement in the envelope provrdad. Do not send cash: By sending your check as described above, you authorize us io use information on your check to make an electrenic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information ham your check to make an electronic fund transfer, funds maybe vrithdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send casfr, correspondence or other items with your payment, if you send the payment io any other addressor if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processmg facility after 5PM local Time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 6 01 97-6 1 0 3. Please allow 7-10 days for delivery. If your payment is returned unpaid, v+e reserve the right to resubmit it as an elechonic debit. NOTICE': SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC~VER New Balance Minimum Payment Due DISCQVE~ 5,6,28,.2D 542a.UD Paymenf Due Date April 2, 20'I 1 06 SDSN8A01 0001578 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Account Number ending in Enter Amount Enclosed Below ~~ Pay online at vnvw.Discover.com or make check payable fo Discover. Phone and internal payments must be made by S:OOpm ET for same day pasting. Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 ~~~"'~~"s~~'r"~~"'~"~~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? ~rrlrl~rr~rrr~r~~iir~rr~r~rrr~~~~rri~ri{ri~ii~~rr~ri~rr~r~ri~~ Go to www.Discover.com or print change in space above. Opening Date; February 7, 2011 • Closing Date: March 6, 2011 `Discover More Card Account Summary Account number ending in 1623 Previous Balance $16,346.76 Payments And Gedits 469.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 368.44 New Balance -------------_--- $16,281.20 Sea Interest Charge Calculation section following transactions for detailed APR information (Credit Line $16,400.00 .__.$1.18.00._.. (~radit Line Avdildble Cash Advance G'edit Line $8,300.00 Cash Advance Credit Line Available $1 18.00 You may be able to avoid Interest Charges, see Additional Important Information for details. i~~.u~uuu~R rwrrw Anniversary Month October Opening Cashback Bonus Balance $ 51.43 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ Si.43 To learn niora, log in at www,Discover.com page 1 of 2 Payment Information Nev+ Balance $16,281.20 Minimum Payment Due $424.00 Payment Due Date April 2, 201 1 Lots Payment Warning: If v+e 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 maybe increased up to the Penalty APR of 29.99°o variable. Minimum Payment Warning: If you make only the minimum payment each period, you v+ill pay more in interest and it v+ili take you longer to pay off your balance. For example: If you make no ~~ You +vrll Pay off> And you wll! ~e;xf additional charges rho bdlonca sho~yn vp paying an usm )his card and g on fhtd 9f~ rrYen ~ ~ r •estimdl9d total of a aacFa smanth yov pay rn,it~4siE~::%';::: Only the minimum 67 years $183,61 1 payment $683 3 years 24,5 7 avings = $159,034 IF you v+ould like information about credit counseling services, call i-800.347-ii2i. 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 (1.800-347.26831. Please have your Discover®card available. Access free online tools like Paydovvn Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all Transactions - 3. Write fo us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) Make your money v+orfh moreSM-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197.6103 NEWI Access your account securely through your For TDD (,'elecommunications Device for the Deaf) mobile phone assistance, please call 1-800.347-7449. Transactions Trans. Post Date Date Payments and Credits Mar 4 Mar 4 PAYMENT THANK YOU $ -469.00 Fees Mar 2 Mar 2 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 164.85 INTEREST CHARGE ON CASH ADVANCES 203.59 NOTICE: SEE REVEP,SE SIGE FOR IMPORTANT INFORMATION D~SClVER DISCOVER It pays to PRAYER, TERRIE L Account number ending in page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate crn your account. Currant Billing Period: 28 days TYPE OF BALANCE Purchases' 07/26/2010 and after 07/25(2010 and prior Cash Advances ANNUA! PERCENTAGE RATf (APR) BALANCE SUBJECT TO INTEREST RATE INifREST CFfARGE 29.99% V 28.99'0 28.99 0 $2,757.84 $4,5b0.33 $9,155.80 $63.44 $101.41 $203.59 V =Variable Rate * Dates oppty to non-promotional purchases and io expired pnamotions with start dates within the specified date range Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath E, Beyond(R}. Redeem $20 Cashback Bonus far a $25 Bed Bath & Beyond gift card. Put more interest back in-your savings! Move~your moneyto a Discover(R) savings-account-and earn-rates that have- - - consistentlybeat the national average. Visit Discover8ank.com or call 1.888-728.3212 and talk to a knowledgeable Banking SpecialisE airy time, any day. Please be sure 1o menticm offer code MSG031 1 . For only $2.49/month Wallet Protection helps notify card issuers & monitors your credit activity for 90 days if your wallet is lost or stolen. Visik Discover.comJwaNetprotection or call 1.877•b23.8014 to learn more or enroll. Additional fmpoNant information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800.347-2683. What To Do if You Think You Find A Mistake On Your Statement If you Think there is an error on your statement, write io us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421- In your letter, give us the fallowing information: Account information: Your name and account number- Dollar amount: The duffer amount of the suspected error'. Descrr Pion of Problem: If you think there is an error on your bill, describe what you believe is v+rong and wiry you believe it is a mists e. You must confcct us within 60 days after the error appeared on your statement. You must notify us of any potential errors in min .You may call us, but if you do vie are not required to investigate any potential errors and you may have to pay t a amount in question. While v+e investigate v+hether or not there has been an errc~r, 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 chat amount. But, iF we determine that vve made a mistake, you will not have to pay the amount in question or any interest or other Fees related to that amount, While you do not have to pay the amount in question, you are responsible for the remainder of your balcnce. We can apply any unpaid amount against your credit limit. Your Riahts If You Are Dissatisfied With Your Credit Card Aurchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price muss hove been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if v+a own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made v+ith cosh advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If ail of the criteria above are met and you are still dissatisfied vrith the purchase, contact us in vvrifina at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While vve investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if vve think you ov+e an amount and you do not pay vve may report you as delinquent. Payrnenfs. You may pay.all or part of your Account.balance at any time.. Hovrever, you must. pay at.least the Minimum - PaymentDue 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 to use information on your check to make an electronic fund transfer from your account at the Financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer, the transfer will be for the omount of the check. When we use informotion from your check to make an electronic fund transfer, funds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check back from your financial insfifution. The processing of }'our payment maybe delayed if you send cash, correspondence or other items with your payment, iF you send the payment to any other address or if you use an envelope tither than the one provided. Payments received in proper form at our processing Sacility by 5PM local time on any dayy v+ill be credited to your Account as of that day- Payments received at our prccessing facility after 5PM local time will 6e credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6 i 03, Coral Stream, IL 60197.6103. Please allow 7-10 days for delweiy If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISCC3VER New Balance Minimum Payment Due 516,291.44 5427,00 Payment Dura Date May 2, 2011 Account Number ending in Enter Amount Enclosed Below ~._ Pay online at www.Discover.com or make check payable to D+scover. Phone and internet 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! 06SDSN8Apt OOOt580 PRAYER., TERRIE L PRAYER, FREDERICK C 50 EAST6ATE DR CAMP HILL PA 17011-1309 PD BOX 71084 IIIsnIInrllunlluslnll CHARLOTTE NC 28272-1084 Address, a-mail or telephone change? ~++~+~I++Ir++Irll+~rl+rl+~++,I~IIrs+~+r~s+I+rIIr+I+ri++Ir~++~~ Go to vvvvw.Discover.com or print change in space above. Opening Date: March 7, 2011 Closing Daie: April 6, 2()11 Discover More Card Account Summary Account number ending in 1623 Previous Balance $16,281.20 Payments And Credits 424.00 Purchases + 27.62 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 406.62 New Ba once $16,291.44 See Interest Charge Calculation section following transactions for detailed APR information Credit line $16,400.00 Credit line Available $l Ot3:00 Cash Advance Credit Line $8,300.00 Cash Advance Credit Line Available $108.00 You may be able to avoid Interest Charges, see Additional I Important Information for details. Ctashbaek Bonus' Anniversary Month October Opening Cashback Bonus Balance $ 51.43 New Cashback Bonus This Period + 0.06 Cashback Bonus Balance $ 51.49 To learn nwre, log in n; www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Discaver.com 2 Call 1-800-DISCOVER (1.800.347.2683) Access free online tools like Paydown Planner io create a plan . . Please have your Discover®card avoilab e. fo pay down your balance, securely access statements, pay bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (tJot a payment address) Make your money worth marest~t-find easy ways to eam For payments, please send to address an remittance or and redeem cash rewards Discover, PO Box 0103, Carol Stream, IL 60197.6103 NEWT Access your account securely through your For TDD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800.347.7449. Transactions Trans. Post Date Data Payments and Credits Apr i Apr 1 PAYMENT THANK YOU $ -424.00 Supermarkets Mar 13 Mar 13 KARNS PRIME & FOOD LTD IEMOYNE PA $ 27.62 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 184.46 INTEREST CHARGE ON CASH ADVANCES 222.16 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER page 1 of 2 Payment Information tJew Balance $16,291.44 Minimum Payment Due $427.00 Payment Due Date May 2, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer ,APRs for new transactions may be increased up to the Penalty APR of 29.99°6 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: If 1!ott•mdke nd You wrtlf:p4xofF n .~rQct h+ill`end ::: addrt+arial chiatges the baliiiirb s~o~yn D(~~pq~ytn,{ do using this card and on thr; ifat®me~t¢ eslfmdtp~,fpt~J AF eoch month you poy ucaboiit - ,::.:;•::.:::~::;:> ::;.:.:.;> Only the minimum 67 years $183,839 payment $683 3 years 24,594 avings = $159,245 I li' you would like information about credit counseling services, call 1.800-347•i 121. DfSCOVER' PRAYER, TERRIE L Account number ending i~ page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR is the annual interest race on your account. Currant Billing Period: 31 days TYPE OF BALANCE Purchases' 07/26/2010 and after 07(25/2010 and prior Cash Advances ANNUA! PERCENTAGI: RATE (APR) BALANCE SUBJECT TO INTERES7 RATE INTEREST CHARGE 29.99% V 28.94% 28.99% $2,847.22 $4,547.20 $9,023.67 $72.51 $111.95 $222.16 V =Variable Rata ' Dates apply to non-promotional purchases and to expired promotions with start dates v+ithin the specified date range Information For You * * *ATTENTION -Please note that your PAYMENT DUE DATE v+ill change on statements you receive after May 1, 2011 Your new Payment Due Date v+ilf be JUNE 5, 201 1 Please note that your currant Payment Due Date is printed at the top of the first page of }•aur statement. Please note your due date will be at least 25 Boys after the close of each billing period (at least-23 days after-the close-of billing-periods•fhat begin in February: - - This month, ilie featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Balh & Beyond gift card. Protect your purchases vrith a SquareTrade Care Plant Shop anywhere with your Discover Card and get your warranties through our preferred provider SquareTrade. Please visit www.discovercard.cam/protection~solutions/vrarranty.html for details. Additional Important Information Sea your Cardmamber Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost ar stolen cards. Report immediatalyl Call i-800.347.2683. What To Do !f You Think You Find A Mistake On Your Statement if you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, U7 84130.0421- Inyour IeHer, give us the following information: Account information: Your name and account number. Doffor amount: The dollar amount of iha suspected error. Descri lion of Problem: If you think there is an error on your bill, describe what you believe is vrrong and why you believe it is a mistake. You must contact us within 60 days aRer the error appeared on your statement. You_must nolify_us of gny,potentgl errors in writin __You may callus, but, f.you do we are not. requ.tred to. nyeshga.fe, any,._ potential errors and you may have io pay the amount iri queshori. While v+a investigate whether or not there has been an error, the following are true: We cannot try io collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that eve made a mistake, you v+ill 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 ilre amount in question, you are responsible far the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Riahts If You Are Aissatisfied With Your Credit Card Purchases IF you are dissatisfied wish the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. o use this right, all of the following must be true: 1. The purchase must have been made in your home state or v+ithin 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these era necessary iF your purchase eras based on an advertisement we mailed to you , or ff we ovrn the company that sold you the goods or services.) 2. You mush have used your credit card for the purchase. Purchases made with cash advances from an ATM or wish a check that accesses your credit card account do not qualify. ;S. You must not yet have fully paid for the purchase. If elf of the criteria above are met and you are still dissatisfied vrith the purchase, contact us in writin at: Discover, PO Box 30945, Salt lake City, UT 84130.OS'45 While v+e investigate, the same rules apply to the disputed amount as discussed above. After v+e finish our investigation, we will tell you our decision, -At that pouf, if-we think you-aura an amount and you do not pay we - - may report you as delinquent. Payments. You may oy elf or part of your Account balance at arty time. However, you must pay at least the Minimum Payment Due by the f~ayment Due Date. Send only your payment and the top poilion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above, you authorize us to use information on your check fo make an electronic fund transfer from your account at the finanrial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, Eunds may ba vvithdravrn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The Processing of your payment maybe delayed iF you send cash, correspondence or ocher items with your payment, iF you send the payment to any other address or iF you use an envelope other than the one provided. Payments receved in proper form at our processing facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after SPM local time evill be credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 days For delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DiSC~VER ~~ -- DISC©VER New Balance Minimum Payment Due $16,422.55 $467.00 Payment Due Date June 5, 2011 10 SDS(v8~\01 0001581 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 2011 PO BOX 71084 {{{ur{Irunr{{{{nr{rln~ CHARLOTTE NC 28272-1084 Address, email or telephone change? ~n{r{{n{ur{r{{nr{rr{r{nr{{{{ni{n{u{n{{u{n{u{r{u{{ Go to www.Discover.com or print change in space above. Opening Date: April 7, 2011 -Closing Dnte: May 10, Discover More Card Account Summary ' Account number ending in 1623 Previous Balance $16,291.4A Payments And Credits 427.00 Purchases + 111.23 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + ----- i 446.88 New Balance -- - - - -i-- $16,422.55 See Interest Charge Calculation section following transactions for detailed A.PR information Credit line $16,400.00 Credit Cine Available $0.00 Cash Advance Credit Line $8,300.00 Cash Advance Credit line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. CaSil{JpE{C ~OnDSe Anniversary Month October Opening Cashback Bonus Balance $ 51.49 New Cashback Bonus This Period + 0,27 Cashback Bonus Balanco $ 51.76 To learn more, IorO in al www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1-800-347-2683}. Please have your Discovery card available. 3. Write to-us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please sand to address on remittance or Discover, PO Box 6103, Carol Stream, IL 6 01 97-6 1 03 For TDD (Telecommunications Device for fhe Deaf) assistance, please call 1-800.347-7449. Account Number ending i Enter Amount Enclosed Be ov+ ~~ Please make check payable to Discover Card. You are overlimit. Pay She sum of the monthly minimum payment plus the overlimit amount of $22.55. 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 $16,422.55 Minimum Payment Due $467.00 Payment Due Date June 5, 2011 Late Payment Warning: If v+e 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 maybe increased up to the Penalty APR of 29.99% variable. Minimum Paymsnt Warning: If you make only the minimum payment each period, you v+ill pay more in interest and it will take you longer to pay ofF your balance. For example: If'yo~ make no ~~~ You vnlf pay offs And,ycu wrl6end ,; oc(ditiorial chprges the 641anca shovm Up paying qtt using•lhis card an¢- . on this slafemerit esfimaled lgtgl of~, :' egchr}jofyth yoµ„Fay..>. in about... '' Only the minimum 68 years $186,706 payment $689 3 years 24,796 avings = $161,910 ~ If you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.com Access hee online tools like Paydown Planner to create a plan to pay dov+n your balance, securely access statements, pay bills online and easily track all transactions Make your moneyv+orth moresrt_find easy ways to earn and redeem cash retivards NEW! Access your account securely through your mobile phone Transactions Trans. Post Data Dote Payments and Credits May 1 May 1 PAYMENT THANK YOU $ •427.00 Merchandise Apr 11 Apr 11 THE GROG SHOP LEWES DE $ 36 23 Gasoline Apr 24 Apr 24 . SHELL 5754159;308 MIILSBORO DE 45.01 Apr 30 Apr 30 HESS 38285 CAMP HILL PA 2q,gq Fees T07AL FEES fOR iH15 PERIOD 0.00 NOTICE: SEE REVEP.SE SIDE FOR IMPORTANT INFORMATION D~SC'„vEl1 DISC©VER Purchases 07/26/2010 and after 07(25/2010 and prior Cash Advances page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current billing Period: 34 days TYPE OF BALANCE It pays to PRAYER, TERRIE L Account number ending i ANNUAL PERCENTAGE RATE (APR) BALANCE SUBJECT TO INTEREST RAtE INTEREST CHARGE 29.99% V 28.99go 28.99 0 $2,994.46 $4,549.97 $8,902.35 $83.64 $122.66 $240.38 V =Variable Rate Information For You * *ATTENTION -The day of the month that your payment is due has changed. Your nev+ Payment Due Date is printed at the top of the first page of your statement. Please note your due date v+ill be at least 25 days abet the close of each billing period except that it vrill be at least 23 days after the close of each billing period that begins in February. -Every Purchase Counisl Every time you-use your Discover(R) Bard, you earn unlimited cash rewards automatically. Useyour card for everyday purchases, monthly bill payments or for something special. Make your money worth more -today and every day! Get your Experian{R) credit report and score plus alerts when your credit score changes. Enroll in Credit ScoreTracker today at Discover.com/CreditScoreTracker or call 1.866.708.0672. Additiana{ Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately) Call 1.800.347-2683. What To Do if You Think Yov Find A Mistake On Your Statement If you think there is an error on your statement, v+rite to us at: Ciscover, PO Box 30421, Salt Lake City, UT 84130.042 i In your letter, give us the following information: Account information: Your name and account number. Dailar amount: The dollar amount of the suspected error. Descrr lion of Problems t F you think there is an error on your bill, describe vrhat you believe is wrong and why you believe it is a mtstace. You must contact us within b0 days abet the error appeared on your statement. You must notify us of any potential errors Torn 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 vre investigate whether or not there has been an ern~r, the Follov+ing are true: We cannot try to collect the amount in question, or repeat you as delinquent on that amount. The charge in question may remain on your statement, and v+e may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not haven 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 far the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rigfrts !f You Are Dissatisfied With Your Credit Card PurcFrases If you are dissatisfied v+ith the goods or services that you have purchased v+ith your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all cf the following must be true: 1 The purchase must have been made in your home stale or within 100 miles of your current mailing oddness, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and yyou are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake Ci1jr, UT 84130•C945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we v+ill tell you our decision. At that point, if we think you ov+e 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 anytime. -However,-you must.pay at (east the Minimum Payment Due by the Payment Due Date. Send only your payment and the fop portion of this statement in the envelope provided. Da net send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa meat is processed as an electronic fund Transfer, the Transfer v+ill be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds maybe v+ithdrawn from your account as soon as the same day we receive your payment, and you v+ill not receive your check back From your financial institution. the processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you •end the payment to any other addressor if you use an envelope other than the one provided. Payments received m proper form at our processing facility by 5PM local time on any dayy will be credited to your Account as of that day. Paymanis received at our processing facility after 5PM local time will be credited to your Account as of the next day. IE you have misplaced your envelope, send your payment to Discover, PO Box 6103, Coral Stream, IL 60197.6 i 03. Please allow 7-10 days For defwery IF your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT II~FORMATION DISCI~VER DISCOVER' New Balance Minimum Payment Due $16,364.81 $430.00 Payment Die Date July 5, 2011 .0 SD~',N3A01 0001582 PRAYER, 'i'ERRIE L PRAYER, FREDERICK C 50 EAST~ATE DR CAMP HILL. PA 17011-1309 2011 PO BOX 71084 Illrrrllrr~rrrllllrrrlrlirl CHARLOTTE NC 28272-1084 Address, a-mail or telephone change$ ~rrirll~rirrririlrrrlrri~i~r~lilirrrirrlrrlrrllrrirrlrrlrlr~ll Go to vrww.Discover.com or print change in space above. ppening llate: May I I, z01 1 -Closing Date: June 1C Discover More Card Account Summary Account number ending in 1623 Previous Balance $16,422.55 Payments And Credits 467.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged r 0.00 Interest Charged + 409.2 6 _ New Balance - --- -^--- _ -~T6,364.81 See Interest Charge Calculation section following transactions for detailed APR informa tion Credit Line $16,400.00 Credit Line Available $35:OD Cash Advance Credit tine $8,300,00 Cash Advance Credit Line Available $35.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Ca511i)aClc $OnuSe Anniversary Month October Opening Cashback Bonus Balance $ 51.76 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 51.76 To learn morn, log in ai www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1.800-DISCOVER (1-800.347.26831. Please have your Discover®card available. 3. Writs Vo us at Discover, PO Box 30943, SaU lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, tl 60197.6103 For TDD (telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Account Number ending in Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover Phone and internst 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! -..~ - page 1 of 2 Payment Information New Balance $16,364.81 Minimum Payment Due $430.00 Payment Due Date July 5, 2011 Loh Payment Warning; IFwe do not receive your minimum payment by the date listed above, you may have to pay a late fee of up io $35.00 and your purchase and balonce transfer APRs for new transactions maybe increased up to the Penalty APR of 29.99°o variable. Minimum Payment Warning: IF you make only thu minimum payment each period, you will pay more in interest and it will take you longer 1o pay off your balance. For exarnpfe: If you make iia ~:' You wrlf Poy ofE And you wtlf erid addifiioral Chdigias, the balonce shown up paying an usng this card and. on }his'staiemanr estimcled total ot.,~ i each month you au f .. in about... Only the minimum 67 years $185,449 payment $686 3 years 24'711 avings = $160,738 ) If you would like information about credit counseling services, call 1-800-347-1 121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morestti-Find easy ways io earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jun 4 Jun 4 PAYMENT THANK YOU $ -467.00 Foes TOTAL FEES FOR THIS PER10D $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 191.$4 INTEREST CHARGE ON CASH ADVANCES 217-4P INTEREST CHARGE ON BAWNCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIGE FOR IMPORTANT INFORMATION DiS~`+`V~D - „ DISCOVER ttpcysta PRAYER,TERRIEL ~y Account number ending i~ page 2 of 2 Interest Charge Calculation Your Annual Percentage Raie (APR is the annual interest rate cm your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases 07J2bJ2010 and after 07/25/2010 and prior Cash Advances V =Variable Rate ANNUAL PERCENTAGE RATE (APR) 29.99% V 28.99% 28.99°,6 BALANCE SUBJECT TO INTEREST RATE $3,123.38 $4,560.76 $8,831.13 INTEREST CHARGE $79.55 $112.29 $2 f 7,42 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains ail the Terms of your Account. Lost or stolen cards. Report immediatelyl Call 1.800.3A7.2683. What To Do Jf You Think You find A Mistake On Your Statement IF you think there is an error on your statement, write fo us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your letter, give us the following information: _ _ _ Account.informafion: Yout name and accflunt number._ __ _ _ _ - _ _ _ - Do11aramount: The dollar amount of the suspected error. Descripfi~o_n~of__Prob~lem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wrrtin .You may call us, but if you do v+e are not required to investigate any potential errors and you may have io pay t e amount in question. While we investigate v+hether 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 thot amount. The charge in question may remain on your statement, and we may continue to charge you interest on chat amount. But, if we determine that v+e made a mistake, you will not have to pay the amount in question or any interest or other fees related io that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied Wifh Your Credit Card Purchoses If you are dissatisfied with the goods or services that you have purchased v+ith your credit card, and you have fried in gcod Faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase, To use this right, all of the following must be true: 1 The purchase must have been made in your home stain or within i00 miles of your current mailing address, and •he purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if v+e ov+n the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made v+iih„cash advances from an ATM or v_+ith a . efieckihat dcciesses your eredit card occourit do noY qualify: 3. You must not yet have fully paid for the purchase. if oll of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, U7 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we Finish our investigation, we will tall you our decisron. At that point, if we think yov owe an amount and you do not pay we may report you as delinquent. Payments. You moypay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provrded. Do not send cosh. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the finoncial institution indicated on your check or fo process the payment as a check transaction. If pa ent is processed as an electronic Fund transfer, the transFer will be For fha amount of the check. When we use inFormation From your check to make an electronic Fund transfer, funds may be withdrawn {rom your account as soon as the same day vve recefve your payment, and you v+ill not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you send the payment to anyy other address or if you use an envelope other than the one provided. Payments received in proper farm at our processing tacility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processrng facrlrty after SPM local time wilt be credited io your Account as of the next day. IF you have misplaced your envelope, send your poyment fo Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 days For delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D~SC~VER DISCE~VER New Balance Minimum Payment Due $16,796.91 $883.00 Payment Due Date August 5, 7011 ~i 0 SDS, J~3ADt OD01583 PRAYER, 7ERRIE L PRAYER, F=REDERICK C 50 EASTGATE DR CAMP HILL. PA 17011-1304 PO BOX 71084 (ll~r~ll~~~s~r~lll~~~l~l~~~ CHARLOTTE NC 28272-1D84 Address, e-mail or telephone change;' Irrl~~l~rlrirlrllrrrlirlrlrrrlllli~rliilrrlrillr~lrilrililrrll Go to vvvvw.Discover.com ar print change in space above. Opening Date: June 11, 2011 Closing Date: July 10, 2011 Discover More Card Account Summary j Account number ending in 1623 j Previous Balance $16,364.81 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 397.10 New Balance ---- -----~---- $16,796.91 See Interest Charge Calculation section following Transactions for detailed APR information Credit line $16,400.00 Credit line Av6ilablia $0.00 Cash Advance Credit line $8,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information far details. CashbaciC Bonus® Anniversary Month October Opening Cashback Bonus Balance $ 51.76 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance _ $ 51.76 70 team more, tog in ai www.Discover.com 3 Easy Ways #o Contact Us 1. Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1.800.347.2683). Please have your Discover®card available. - 3. Write fo-us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment addressi For payments, please send to address on remittance or Discover, PO Box 6103, Carol Streom, IL 60197.6103 For TDD [Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449 'Transactions Trans. Post Dato Dato Fees Jui 5 Jul 5 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 187.97 INTEREST CHARGE ON CASH ADVANCES 209. i 3 INTEREST CHARGE ON BALA~ICE TRAtdSFERS 0.00 Account Number ending ir~ Enter Amount Enclosed Below -~ Please make check Payable to Discover Card. You are oveclimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $396.91 Text APP to OISCOV' to receive a Zink to our free mobile app and pay your bill in seconds from anywhere! r w ~ Payment Information New Balance $16,796.91 Minimum Payment Due* $883.00 Payment Due Date August 5, 201 1 *Includes past due amount of $430.00 Late Payment Warning: If vve 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 29.99.6 variable. Minimum Payment Warning: If you make only fhe minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. Far example: Ityou rritjkii'no You vrrif poynF#tfaa And>ys~'tf5vtl) end.s~> a~dl(ionaf tfiarges balance sh4vvn oA uP ~p~ting trttaa< , , V g card and sin this fh~s statement in: estcmpt~sJ#v1c+) p~ ,;; each month yaU pay . about:,. %j~:`:~`">'. <::: Only the minimum 67 years $18d,25i payment If you would like information about credit counseling services, call 1.800-347.1121 ..Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay dawn your balance, securely access statements, pay bills online and easily (rack al! transactions Make your moneyworih morest•t-Find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone NOTICE: SEE REVERSE SIDE FOR IMPORTANT ItJFORMATION DISCOVER, DISCOVER It pays to PRAYER, TERP.IE L ~~~ Account number ending in page 2 of 2 Interest Charge Calculation Your Annual Percentage Rafe (APR) is the annual interest rate on your account. Currant Billing Period: 30 days TYPE OF BALANCE Purchases 07/26/2010 and after 07(25/2010 and prior Cash Advances V =Variable Rata ANNUAL PERCENTAGE: RATE (APR) 29.99% V 28.99% 28.99% BALANCE SUBJECT TO INTEREST RATE $3,202.61 $4,576.05 58,777.29 INTEREST CHARGE $78.95 $109.02 $209.13 Information For You * * * ATTENTION * *' Your account is past due. Please pay the past due amount now, or contact us to make other arrangement: . Save 5°rc instantly at your local Six Flags or online at SixFings.com v+hen you use Dfscoverl You'If sous 5% instantly on Season Passes, admission tickets, The Flash Pass, VIP Tours; parking, Food, merchandise and-more. Go-big at Six Flags-this summer and save big with Discover! This month, tfie featured Cashback Bonus(R) Redemption Partner is Lands' End(R). Redeem $20 Cashback Bonus fora $25 lands' End gift card or instant eCertificate. Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Cost or stolen cards, Report immediately! Call 1-800-347•?683. What To Da ff You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: D scover, PO Box 30421, Salf Lake City, UT 84130.0421 In your letter, give us the following information: Account information: Your name and account number. Dollar amount: 7fie dollar amount of the suspected error, Descri lion of Problem: If you think there is an error on ,your bill, describe what you 6e4ieve is wrong and why you believe it is a mistace- You must contact us within 60 days after the error appeared on your statement. Yau must notify us of any potential errors in wnhin .You may call us, but iF you do we are not required to investigate any potential errors and you may have to pny the amount in question. While v+e investigate whether or not theta 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 io charge you interest on tFiat amount. But, if we determine that we made a mistake, you wrll not have to pay the amount in question or any rnteresf 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 omounf against your credit limit. .Your Rights Jf You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied v+ith the goods or services that you have purchased with your credit card, and you hove cried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, elf of the following must be true: 1 The purchase must have been made in your home state ar v+ithin 100 miles of your current mailing address, and the purchase price must have been more than $50. (Nola: Neither of these are necessary if your purchase v+as based on an advertisement we mailed fo you , or iF vre ov+n the company chat sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made wish cash advances from an ATM or with a check that accesses your credit card account do not quialify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with fhe purchase, contact us in writin at: Discover, PO Box 30945, Salt lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, wa will tell you our deciswn, At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may ppay all or pars of your Account balance at any time, Hov+ever, 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 provrdad. Do not send cosh. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or io process the payment as a check transaction- If payment is processed as an electronic fund transfer, the transfer wilt be for the amount of the check. When v+e use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same dny we receive your payment, and ;you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you send fhe payment to anyy other address or if you use an envelope other than the one provided. Payments received rn proper form at our processing tacility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing factltty after SPM local time wilt be credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Boa: 6103, Carol Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DtSC~VER DlSC4VER New balance Minimum Payment Due $ i 6,219.90 $426.00 Payment Due Dale September 5, 2011 t 0 SDSN8A07 0001583 PRAYER, 7ERRIE L PRAYER, FREDERICK C 50 EAS7~ATE DR CAMP HILL. PA 17011-1304 10, 2011 PO BOX 71084 i~l~s~l~rr~~~~'~~I~~~~~~rr~ CHARLOTTE NC 28272-1084 Address, e-mail ortalephona change? irr~ri~rrirrririirri(irir~rrrinirrrirrirrirriirrirrirririrrii Go to www.Discover.com or print change in space above. uate; Joly 1 1, "lU 1 1 Closing Date: Discover More Card Account Summary Account number ending in 1623 Previous Balance $16,796.91 Payments And Credits 983.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 405.99 New Balance $16,219.90 See Interest Charge Colculation section following transactions for detailed APR information Credit Line $16,400.00 j Credit 6ne Available $180:00' 'Cash Advance Credit Line $8,300.00 Cash Advance Credit Line Available $180.00 You maybe able to avoid Interest Charges, see Additional Impoiiant Information for details. Cashback Bonusg Anniversary Month October Opening Cashback Bonus Balance $ 51,76 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 51.76 To learn more, Icg in ai www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at v+ww.Discover.com 2. Call 1-800•DISCOVER (1-800-347-26831. Please have your Discover card available. 3. Write to us at Discover, PO Box 30943, Salt lake Ciry, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6703 for TDD (telecommunications Device for the Deaf) assistance, please call 1.800-347-7449. Account Number ending it Enter Amount Enclosed Below ~~ Pay online at vnrvv.Discover.com or make check payable to Discover. Phone and internet payments must 6e 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 $ i 6,2 i 9.90 Minimum Payment Due $426.00 Payment Due Date September 5, 201 1 Late Payment 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 transfer APRs for new transactions maybe increased up to the Penalty .APR of 29.99°o 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: tf you make no '' ' ~ You vlill pnyofF' , qnd you will end additional charges . > the balance shoJin up paying an using this=card and!:: on ihisslalemeni - estimated total oF.,_ eacEi menth you.f?l~y, in about .: Only the minimum 67 years $182,342 payment $681 3 years 24,530 avings = $157,812 I you would like information about credit counseling services, call 1.800.347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Poydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreS1rt-find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transacfiions Trans. Post Date Date Payments and Credits Jul 15 Jcl 15 PHONE PAYMENT THANK YOU $ -430.00 Jul 16 )ul 17 INTEREST CHARGE REFUND -3.15 Jul lb )ul 17 LATE CHARGE REFUND -96.85 Jul 31 )ul 31 PAYMENT THANK YOU •453.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 NOTICE: SEE P,EVERSE SIDE FOR IMPORTANT INFORMATION DlSC~VER DISCOVER Ir pays to I PRAYER, TERRIE L AVER I Account number ending i page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on ~+our account. Current Billing Period: 31 days TYPE OF BAIANCE Purchases 07/26/2010 and after 07/25/2010 and prior Cash Advances V =Variable Rate ANNUAL PERCENTAGE RATE (APR) BALANCE SUBIEGT TO INTEREST RATE INTEREST CHARGE 29.99% V 28.99% 28.99% $3,237.83 $4,493.46 $8,647.40 $82.46 $110.63 $212.90 Additional tmporlant Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1.800.347-2683. What To Do if Yov Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your fetter, give us the following information: _ Account information: Your ngin~ pnd account number....- _ _ _ _ _ _ _ Dollar amount: The dollar amount of the suspected error. Des~fjption of Problem: If you think there is an error on your bill, describe what you believe is v+rong and why you believe rt is a misto-~ You must contact us within 60 days after the error appearec on your statement. You must notify us of any potential errors in w~nting. You may call us, but if you do v+e 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 bean an error, the following are true: We connot try to collect the amount in question, or report you as delinquent on Shat amount. The charge in question may remain on your statement, and we may continue io charge you interest on that amount. But, if r+e determine chat we made a mistake, you will not have to poy the amount in question or any interest or other fees related io that amount. While you do not have to pay the amount in question, you are responsible for the remoinder of your balance. ' We can apply any unpaid amount against your credit limit. Your Riahis ff You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaimng amount due on the purchase. To use this right, all of the Follov+ing must be true: 1 The purchase must have bean made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or iF the own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made wtth cash advances from an ATM or with a c ec t dF i5ccessiis your credit card 6cciiunt do noFqualify: 3.1'ou must not yet have fully paid for the purchase. If all of the criteria above are met and yyou are still dissatisfied v+ith the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake Cit}r, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After vve finish our investigation, eve will tell you our decision. At that point, if we think you ovve on amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided, Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When v+e use information ham your check to make art electronic Fund transfer, funds may be v+ithdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed iF you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper farm at our processing facility by SPM local time on any dayy will be credited to your Account as of chat day. Payments received at our processing facrlity after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 50197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOT{CE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISCOVER' Nevr Balance Minimum Payment Due $16,816.57 $891.00 Payment Due Date October 5, 2011 10 SDSN6A01 OOOt 586 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Account Number ending in Enter Amount Enclosed Belovr ~~-~ Please make check payable fo Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $416.57. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds From anyvrhere! PO BOX 71084 Ill~rrllr~rr~rl~l~rrr~~lrrl CHARLOTTE NC 28272-1084 Address, a-mail ortelephone change? I~rlillrr~rirlrl~~rrlti~tlrrillll~~i~rrlrrl~rllrrl~i~ir~r~rr~) Go to www.Discover,com or print change in space above. Opening Date: August 11, 2011 Closing Dafe: Discover More Card Account Summary '~ Account number ending in 1623 Previous Balance $16,219.90 Payments And Credits 0.00 ' Purchases + 152.23 I Balance Transfers + 0.00 Cash Advances + 0,00 fees Charged + 35.00 Interest Charged + 409.44 I IJewBolance ------ ---- --- $16,816.57 See Interest Charge Calculation section following transactions for detailed APR infocmaticn I Credit line $16,400.00 Credit Line Available _....__.$0.00..._. Cash Advance Credit line $8,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus° Anniversary Month October Opening Cashback Bonus Balance $ 51.76 New Cashback Bonus This Period + 0.38 Cashback Bonus Balance $ 52.14 To learn more, Icg in at www. Discaver.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com l . Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1-800-347-26831. Please have your Discovery card availab e. Access free online tools like Paydown Planner to create a plan to pay dovrn your balance, securely access statements, poy bills online and easily track all transactions 3. Write to w at Discover, PO-Box 30443, Salt Lake City, UT 84130 (Not a payment address) Make your money worth morestt-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197.6103 NEW! Access your account securely through your For TDD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800-347-7449. Transactions Trans. post Date Date Services Aug 22 Aug 22 DELAWARE ELECTRIC COOPER GREENWOOD DE $ 100.00 Aug 23 Aug 23 LONG NECK WATER CO LLC 302.9479600 DE 52.23 Fees Sep 5 Sep 5 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 interest Charged IIJTEREST CHARGE ON PURCHASES $ 199.23 ber )0, 2011 page 1 of 2 Payment Information Ne~v Balance $16,816.57 Minimum Payment Due* $891.00 Payment Due Dafe October 5, 201 1 *Includes past due amount of $426.00 iota Payment Warning: If vra 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 nevr transactions maybe increased up to the Penalty APR of 29.99 o variable. Minimum Payment Warning: If you make only the minimum payment each period, you vrill pay more in interest and it vrill take you longer to pay off your balance. For example: If you make no Yau vtll paltoif the And jrou V, rll eiicl: ; as3dtttonpl <}~prges bofdr~e sfigydrl xin "vp pay+ng pn : "', ` ' : using this card and , {lie StateR?e>)t irt ..> . eshmgted total o{t ea4h mpnth yort~cly r at'iAttE , Only the minimum 67 years $184,293 payment If you vrould like information about credit counseling services, call 1.800.347-1 121. NOTICE: SEE REVERSE SIDE FOR IMPOP.TANT INFORMATION D'SC,~VER DISCQVER It paystu PRAYER,TERRIEL ~~~ Account number ending 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 07/26/2010 and after 07/25/2010 and prior Cash Advances V =Variable Rate RATEIippR'ERCENTAGE 29.99°o V 28.99% 28.99% BALANCE SUBJECT TO INTEREST RATE $3,398.80 $4,576.20 $8,538.26 INTEREST CHARGE $86.57 $112.66 $210.21 information For You * * `ATTENTION ' * * Yaur account is past due, Please pay the past due amount now, or contact us to make other arrangements. Additional Important Information See your Cardmembor Agreement.. Your Cardmemb_er Agreement_contains all fhe_terms_of your_Account. .. _ _ _ Lost or srolen cards. Report immediately) Call 1-800.347.2683. What To i?o !f You Think Yau Find A Mistake On Yovr Statement If you think there is an error on your statement, write to us at: Dis=over, PO Box 30421, Salt Lake City, UT 84130.0421. In your letter, give us the following information: Account information: Your name and account number Dollor amount: The dollar amount of the suspected error Descri fion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in w~rrtinq. You may call us, but iE you do we are not required to investigate any potential errors and you may have to pay the amount in quesfron. While eve 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 gmount. 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. ~Nhile you do not hove to pay the amount in question, you are responsible for the remainder of your balance. 1Ne can apply any unpaid amount against your credit limit. Your Rights !f You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with fhe merchant, you may have the right not to pay the remaining amount .due on the purchase. _ _ _ To use this right, al of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing oddress, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a chec~ that accesses your credit card account do not qualify. 3. You must not ye6 have fully paid for the purchase. If all aF the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the soma rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if vve think you owe an amount and you do not paywe may report you as delinquent. Payments. You may pay all or part of your Account bolance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Sand only your payment cand fhe tap portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check iransactian. IF pa ment is processed as an electronic fund transfer, the transfer will be for fhe amount of the check. When eve use information from your check to make an electronic fund transfer, funds may be withdrawn kom your account as soon as the same day we receive your payment, and you will not receive your check back kom your financial institution. The Processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to an other address ar if you use an envelope other than the one provided. Poyments received in proper -form at our processing facility by SPM.local time.on any dayy. will be. credited to.your Account as of_that day. _ Payments .._ _ _ received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601 97-6 1 0 3. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. I~OTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER New Balance Minimum Payment Due ~VER' 516,326.05 $421.00 Payment Du~~ Date November ;i, 2011 ~ 0 SDStVfSA01 01101586 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL. PR 17011-1304 Account Number ending i Enter Amount Enclosed Be ow ~ ~ Pay online at vn'nv.Discover.com or make check. payable to Discover 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 mobile app and pay your bill in seconds from any<vheret PO BOX 71D84 III"'~~"""~~~~"'~'~"I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? I~rlrllrrlrrrlr~~rrr~rr~rlrrrll~~rrrlrrlrr~rr~~~r~~r~rrlr~rtll Go to www.Discover.com or print change in space above. Opening Dote: September 11, 2011 Closing Dote; October 10, 2011 page 1 of 2 'Discover More Card Account Summary Account number ending in 1623 Previous Balance $16,816.57 Payments And Credits 891.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 400.48 _i _ _ _ New Balance _ X16,325.05 See Interest Charge Calculation section following transactions for detailed APR information Credit line $16,400.00 'Credit-Line Available $73.00 Cash Advance Credit line $8,300.00 Cash Advance Credit Line Available $73.00 You may be able io avoid Interest Charges, see Additional hnporfant Information for details. wa~uiv~n uuuw Anniversary Month October Opening Cashback. Bonus Balance $ 52.14 New Cashback Bonus This Period + 0.00 Cashback Bonus Balan<s $ 52.14 To learn more, Icg in at wwW.Discover.com 3 Easy Ways to Contact Us l . Access your account securely at www.Discover.com 2. Call 1.800-DISCOVER (1-800-347-2683. Please hove your Discovermcard availab e. 3. Write io us at Discover,-PO$ox 30943, - - Salt lake City, UT 84130 (Not o payment address) Far payments, please sand to address on remittance or Discover, PO 8or, b 103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449 Payment Information IVew Balance $16,326.05 .Minimum Payment Due $421.00 Payment Due Date November 5, 201 1 Lots Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer ,APRs for new transactions may be increased up to the Penalty .APR of 29.99% 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 fo pay off your balance. For example: If y'bu make no Yov wi ppy~ff Arid yatxyttlf end ~%`>'s.; additianol.charg9s the balance sha~vn up ~clyiny an using this!card andC . cn fhisista}ement . estimathd totGi qF, ; evch morilh you p4y to aba.ut .. Only the minimum 67 years $184,665 payment $685 3 years 24'6 7 avings = $159,988 If you would like information about credit counseling services, c:a II 1.800.347-1121. 141anage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morest~t-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Data Date Payments and Credits Sep 30 Sep 30 PHONE PAYMENT THANK YOU $ -891.00 Fess TOiAI FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 197.92 INTEREST CHARGE ON CASH ADVANCES 202.56 INTEREST CHARt3E ON BALANCE TRANSFERS 0.00 t`IOTICE: SEE REVEP.SE SIDE FOR IMPORTANT INFORMATION ~tSC~VER DISCOVER' uL,aystc PP.AYER,TERRIEL ~~VER' I Account number ending in page 2 of 2 Interest Charge Calculation Your Annual Percertage Rafe (APR) is the annual interest tale on your account. Currant Billing Period: 30 days TYPE OF BALANCE Purchases 07/26/2010 and after 07/25/2010 and prior Cash Advances V =Variable Rate ANNUAL PERCENTAGE RATE (APR) 29.99% V 28.99% 28.99'a INTEREST RATEECT TO $3,577.26 $4,606.1 A $8,501.70 INTEREST CHARGE $88.18 $ i 09.74 $202.56 Information for You We are pleased to inform you that, effective 1 1 /06/ 1 1 via will no longer charge a Foreign Currency Fee on any international purchases made with your Discover(R) Card. Additionally, we will no longer charge a Research Fea for any copies of billing statements or receipts that you request. Additions! Important Information _ _ Sea your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1.800-347-2663. What 7o Do !f You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, Ui 84130.0421. In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error Descri lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it ~s a mrsfa e. You must contact us within 60 days offer the error appeared on your statement. You must notify us of any potential errors inin writin .You may call us, but iF you do vve 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. Tna charge in question may remain on your statement, and we may continue fo charge you interest on that amount. But, if eve 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 io pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Riahts (f You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the ggo~ods or services that you have purchased with your credit card, and you have tried ie good faith to'con•ec~ ffia problem'~•iith the merch'anf; yiiu-may have ffieYight nofto paylfir3 ri3rriaimng amount due on the purchase. To use this right, all of the following must be true: 1, The purchase must have boon made in your home state or within 100 miles of your current mailing address, and the purchase price must have bean more than $50. (Nate: Neither of these are necessary if your purchase was based on qn advertisement we mailed to you , or if eve own the company that sold you the goads or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. ff all of the criteria above are mat and ou are still dissatisfied with the purchase, contact us in writin4 at: Discover, PO Box 30945, Salf Lake Ci~y, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at am/time. However, you must pay at least the Minimum Payment Due by the Payment Due Data. Send only your payment cind the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check io make an electronic fund transfer from your account of the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, fha transfer will be Eor the amount of the check. When via use information trom your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if yov sand the payment toany-other address or ifyou-use-an envelope other than-the-one-provided. Payments-received in-proper- -- - form at our processing facility by SPM local time on any dayy will be credited io your Account as of that day. Payments received at our processing faulity after 5PM local time will be credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Box 5103, Carol Stream, IL 60197.6103. Please allow 7-10 days For delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. tJOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIc~•\/~!] New Balance Minimum Payment Due D~SCaVER $i6,810.b6 $867.00 Payment Due Date December 5, 2011 t0 SDSfv~AOt OOOt587 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Account Number ending in Enter Amount Enclosed Below ~~ Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $410.66. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anytivhere! PO BOX 71084 ~~~"'~~"""~~~~"'~'~"~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone citange2 ~rriri~rrirrr~r~~rrr~rr~r~rrr~~~irrrir~~rr~rr~~rr~rrirrir~rr~~ Go fo vrww.Discover.com or print change in space above. Opening Date: October i 1, 201 i -Closing Dater November 10, 2011 Discover More Card Account Summary Payment Information M1levr Balance Ahinimum Payment Due* Account number ending in 1623 Payment Due Date Previous Balance $16,326.05 Payments And Credits 0.00 Purchases + 39.10 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 410.51 _ _ _ _ _ __ _____ Nevr Balance _ $16,810.66 See Interest Charge Calculation section fallowing transactions for detailed APR information Credit Line $14,400.00 Credit Line Avdildble $0.06 Cash Advance Credit line $8,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important information for details. Ca Opening Cashback Bonus Balance Nevr Cashback Bonus This Period Cashback Bonus Balance To learn more, log is al www.Discover.com 52.23 3 Easy Ways to Contact Us l . Access your account securely at vnvw.Discover.cam 2. Call 1.800-GISCOVER (1.800.347-2683). Please have your Discovero cord available. - 3. Write to-us at Discover, PO Box 30943, -- Salt Lake City, UT 84130 (Not a payment address For payments, please send to address on remittance or Discover, PO Box b 103, Carol Stream, IL 60197.6103 For TDD (felecornmunications Device for }he Deaf) assistance, please toll 1.800.347.7449. *Includes past due amount of $421.00 page 1 of 2 $16,810.66 $887.00 December 5, 2011 Late Payment Warning: IF vre do not receive your minimum payment by the data listed above, you may have to pay a late fete of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty A,PR of 29.99'6 variable. Minimum Payment Warning: If you make only the minimum payment each period, you vrill pay more in interest and it vrill take you longer to pay off your balance. For example: if you naf.e n4 .1 You. viill pay off the ,4ni:I yQU tiYt11 otid ' Gids~ii(t5r1R~.4horgas .; balance •hasyn on up~siymg a~'rt" using )hEk G4rS~:and ~ fhia statement m`;' ¢stimq~ldcj iatai oE.. eagh mgnthya~~pay :. gbout, Only the minimum 47 years $184,256 payment If you would like inior•matian about credit counseling services, call 1.800.347.1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydovrn Planner to create a ptan io pay dovrn your balance, securely access statements, pay bills online and easily track all transactions Make your money vrorfh morest•t-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone `transactions Trans. Past Data Dale Supermarkets Ocr 24 Oct 24 KARNS QUALITY FOODS MECHANICSBURGPA $ 39.10 Fees Nov 5 Nov 5 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35,00 Interest Charged IN7EREST CHARGE ON PURCHASES $ 206.65 INTEREST CHARGE ON CASH ADVANCES 203.86 Anniversary Month October $ 52.14 + 0.09 'NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER i DISCOVER It pot's 'o PRAYER, TERRIE L Account number ending page 2 of 2 Interest Charge Calculation Your Annual Percentage Rale (APRJ is t.~e annual interest rate on your account. Curcent Billing Period: 31 days TYPE OF BALANCE Purchases 07/26/2010 and after 07/25/2010 and prior Cash Advances V =Variable Rata ANNUAL PERCENTAGE RATE (APR) BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE 29.99% V 28.99% 28.99 $3,690.86 $4,575.30 $8,280.25 $94.00 $112.65 $203.86 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Support your favorite charities with Discover{R) Giving. Easily Find and donate fo over 1.5 million charities by visiting Discover.com/giving - . _ _ Additional Important Information Sae your Cardmembsr Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1.800.347.2683. What To Do (f Yov Think You Find A Miafake On Your Statement If you think there is an error on your statement, write to us at: Di;~cover, PO Box 30421, Salt Lake City, UT 84 i 30-0421. In your letter, give us the following information: Accounf information: Your name and account number Dollar amount: The dollar amount of the suspected error. Descri Pion of Problem: If you think there is an error on your bill, describe what you believe is wrong and v+hy you believe it is a mrsfa e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may toll us, but if you do we are not required to investigate any potential arras 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, grid vve mot' continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balonce. We can opply any unpaid.amou0t agppst ypur s.[edit limit... Your Riahfs (f You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have fried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: i The purchase must have been made in your home slate or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own fhe company that sold you the goods or services.) ?. You must have used your credit cord For the purchase. Purchases made with cash advances From an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for fhe purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing af: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. Aher vve finish our investigation, via will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least fhe Minimum Payment Dua by the Payment Due Dale. Send only your poyment and fhe fop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer From your account at the financial institution indicated on your check or to process the payment as a check transaction. IF pa ment is processed as an electronic Fund transfer, the transfer will be For the amount of the check. When we use information from your check 1o make an, electronic fund transfer, funds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution: The processing of your poyment may be delayed if you send cash., correspondence or other items with your payment, if you send the payment io any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing tacility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received al our processing facility after 5PM local time will be credited to your Account as of the next day. IF you have misplaced your envelope, send your payment fo Discover, PO Box. 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. L your payment is returned unpaid, we reserve 'he right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT It~lFORMATION DISCOVER DISC©VER New Balance Minimum P~syment Due 517,254.02 51,351.00 Payment Due Date January 5, 2012 10 SDSNBA01 00015£t8 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Account Number ending Enter Amount Enclosed 8 ~~ Please make check ppayable io Discover Card. You are overlimit. Poy the sum of the monthly minimum poyment plus the overlimit amount of $854.02. Text APP to DISCOV' to receive a link to our free mobile app and pay your bitl in seconds from anyvrheret PO BOX 71084 ~~~"'~~"""~~~~"'~'~"~ CHARLOTTE NC 28272-1084 Address, email or telephone change$ I~~I~I'~~i~~~i~Il~~~i~~i~I~~~l~i'~~il~~~~~~~~l,~~i~~~~~~~~~~" Go to www.Discovar.com or print change in space above. Opening Date: November 11, 2011 -Closing Date: December 10, 2011 Discover More Card Account Summary Account number ending in 1623 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advance Fees Charged Interest Charge_d__ _ __ IJew Balance $16,810.66 0.00 + 0.00 + 0.00 + 0.00 + 35.00 + 408.36 ----- $17,254.02 See Interest Charge Calculation section following transactions for detailed APR information Credit Liae $16,d00.00 Credit Line Available $0.00 Cash Advance Credit tine $8,300.00 Cash Advanco Credit Line Available $0.00 'You may be able to avoid Interest Charges, see Additional Impatient Information for details. Ca5I16gCIC f30nU5m Anniversary Month October Opening Cashback Bonus Balance $ 52.23 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance _ $ 52.23 To learn more, log hi ai www.Discover,<om 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1.800.347.26831. Please have your Discover®card available. 3. Write to us at Discover, PO Box 30943, - 5alt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Bcx 6103, Carol Stream, IL 60197.6103 For TDD (telecommunications Device for the DeaF) assistance, please call 1-800-347.7449. page 1 of 2 Payment Information New Balance $17,254.02 Minimum Payment Due* $1,351.00 Payment Due Dafe January 5, 2012 *Includes past due amount of $887.00 late Payment Warning: If vre do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for nevr transactions may be increased up fo the Penalty APR of 29.99~o variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: IF y~iu ntak$ ito You vrill pay off tf e Arid youvtll and ptlcftltgpa~r,,~51y',ges,t.; balance shnvrn on upp~tyittgan ` USinB lilt§~jf~rSl af1t;1' Ihisstafemenf fin' estimated fotgl of :' edgh rPonth yQy ~y ,. ubcut., Only the minimum 67 years $184,757 payment If you vrould 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 ay down your balance, securely access statements, pay bills online and easily track all transactions Make your money vrorth moresht-find easy ways io earn and redeem cash revrards NEW! Access your account securely through your mobile phone .Transactions Fees Trans. Post Data Data Dec 5 Dec 5 LATE FEE 35.00 TOTA! FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 206,24 INTEREST CHARGE ON CASH ADVANCES 202.12 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIUE FOR IMPORTANT INFORMATION DiSC~VER DISCOVER tt pot's t~,~v ttS-1 PRAYER, TERRIE L Account number endin page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR} is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BAtANCF: ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR} INTEREST RATE Purchases 07/26/2010 and after 29.99` V $3,836.60 $94.55 07/25/2010 and prior 28.99% $4,687.44 $11 1.69 Cash Advances 28.99% $8,483.18 $202.12 \! =Variable Pate Information For You * * * ATTENTION * * * We previously requested the past due amoun t on your account. We have no record of receiving payment. The amount due should be paid at once. Additional Important Information See your Cardmember Agreement._Your_Gardmerolzer_AgreBment contains all the terms of your Account.. lost or stolen cards. Report immediately! Call 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Loke City, UT 84 1 30-042 1 In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Descri lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists ce. Ycu must contact us within 60 days after the error appeared on your statement. Ycu must notify us of any potential errors in writin .You may call us, but if you do we are nct required to investigate any potential errors and you may have to pay 1~unt in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related fo that amount. `Jdhile you do not have to pay the amount in question, you are responsible far the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rfahts If Yov Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied v+ith the goods or services that you have purchased with your credit card, and you have triad in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase:-- __ ........ _....._ _. _ ___ ___ .. ._ _. _._ _ _ _. __ To use this right, all of the following must be true: i .The purchase must have been made in your home state or within i 00 miles of your current mailing address, and the purchase price must have been more than $50. (Note: tJeither of these are necessary if your purchase was based on an advertisement we mailed to you , or iF we own the company chat sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or v+ifh a check that accesses your credit card account do not qualify, 3. You must not yet have Fully paid Eor the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writina at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, ilia same rules apply to the disputed amount as discussed above. After v+e finish our investigation, v+e will tell you our dacis~on. At that point, if we think you ov+e 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. Hov+ever, you must pay at least the Minimum Payment Due by the Payment Due Date, Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as descnbed above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soap as the same day we receive your payment, and you will not receive your check back h'om your financiol institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to anyy other address or if you use an envelope other than the one provided. Payments received in proper -form at oyr proces~ing_facility by ¢PlvtlocAl time on any dayy will be credilad_fo your Account as of that day.- Payments received at our processing facility after 5PM Iota! time will be credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Bo:K 6103, Carol Stream, tL 6 01 97-6 1 0 3. Please allow 7-10 days for delivery. If your payrnent is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC~v~iS DtSCQVER New Balance Minimum Payment Due 517,722.33 $1,840.00 Payment Due: Date February 5, 2012 10 SDStJ6AG1 0001569 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EAS'fGATE DR CAMP HILL PA 17011-1309 Account Number ending in Enter Amount Enclosed Below ~~i~ Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum ayment plus the overlimit amount of $1,322.3P3. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 Illr~~ll~~u~~ll~lr,~l~ln~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Irrlrllr~lrrrlrllriilrilrlrrrl~llrril~rlrrlrrllrrlrrlrrlrlir~l Go to wv+w.Discover.com or print change in space above. Opening Date: December 11, 2011 Closing Date: January 10, 2012 Discover More Card Account Summary Account number ending in 1623 Previous Balance $17,254.02 Payments And Credits - 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 fees Charged + 35.00 Interest Charged + 433.31 New Balance -------------- $17,722.33 See Interest Charge Calculation section follov+ing transactions for detailed APR information Credit line $16,400.00 Credit Line Available- $0:00 Cash Advance Credit Line $8,300.00 Cash Advance Coedit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Casltbaclc $onOSe Anniversary Month October Opening Cashback Bonus Balance $ 52.23 New Cashback Bonus This Period + 0.00 Redeemed This Period 52.23 Cashback Bonus Balance $ 0.00 To learn more, log in of www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at vvww•Discover.com _ 2. Call 1-S00-DISCOVER (1.8 00-3 47-2 6 8 31. -" Please have youFDiscoJer~card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a poyment address) For payments, please send to address on remittance or Discover, PO Bo>: 6103, Carol Stream, IL 601976103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449. page 1 of 2 Payment Information New Balance $17,722.33 ~ Minimum Payment Due* $1,840.00 Payment Due Date February 5, 2012 *Includes past due amount of $1,351.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs far new transactions may be increased up to the Penalty .4PR of 29.99% variable. Minimum Payment Warning: If you make on{y the minimum payment each period, you will pay more in interest and it will take you longer to pay ofF your balance. For example: Ifyott make tofs~ You will pay off the And yovV,~ill and cl~~rfwrlal Cf)CJf~$~ s ;: 6alarice shown on up payjng`on usingJh'[;arsirF}Ap~'~ fhisstatement:n estrmatetltotalpf . eagh month ~iou pay .. about,,,., Only the minimum 67 years $184,999 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 cools like Paydov+n Planner to create a plan to_ pay down your balance, securely access statements, pay bills onlirie and easily track all transactions Make your money worth morest•t-find easy vmys to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Trans. Post Date Data Fees Jan 5 Jan 5 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 ,Interest Chnrged INTEREST CHARGE ON PURCHASES $ 219.33 INTEREST CHARGE ON CASH ADVANCES 213.98 NOTICE: SEE REVERSE SIDE FOR IMPOP.TANT INFORMATION D'SCiVER D~SCC~VER t+paysto PRAYER,TERRIEL Account number ending i page 2 of 2 Interest Charge Calculation Your Annuai Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 07/26/2010 and after 29.999'a V $3,969.35 $101.09 07/25/2010 and prior 28.99% $4,802.33 $118.24 Cash Advances 28.99% $8,591 11 $213.98 V =Variable Pate Information For You "' * ATTENTION ' * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Additional Important Information See your Cprdmemfxr Agreement. Ypur CardmembQr Agreement contains all theferms of your Account. _ _ Lost or stolen cards. Report immediately) Call 1-800-347-2663, What To Do If Yov Think You Find A Misfake On Your Statement IF you think there is an error on your slatement, write to us at: Discover, PO Box 3042 i ,Salt Lake City, UT 84130.0421. In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists ci e. -- You must contact us within 60 days after fhe error appeared on your statement. You must notify us of any potential errors inin writin .You may call us, but if you do we are net required to investigate any potential errcrs and you may have to pay the amount in qufsfion. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. the charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, iF we determine that we made a mistake, you will not have 1o 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, ycu are responsible for the remainder of your balance. We can apply any unpaid amount against your credit lirrrit. Your Riahts If Yov Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not fo pay the remaining amount _ due on the-purchase. _ _ _ _ _ o use this right, all of the following must be true: I .The purchase must have been made in your home state or vrithin 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or iF we own the company chat sold you the goods or services.] 2. `r'ou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You muss not yet hove fully paid Fa~ the purchase. If all of the criteria above ore met and you are still dissatisfied with the purchase, contact us in `vritina afi: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 White we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if vva think you o~ve an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dafe. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the Financial institution indicated on your check or to process the payment as a check transaction. If pa meat is processed as an eiectronic fund transfer, the transfer will be For the amount of the check. When we use information from your check to make err electronic fund transfer, funds may be vvithdrown from your account as soon as the same doy we receive your payment, and you wit) not receive your check back From your financial institution. The processing of your payment may 6e delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other addressor if you use an emelape other than the one provided. Payments received in proper Form pf our processing tacility by SPM.local time on any daXXwiU be. credited to_y0ut Account as affhaLday. _Payments _ ., _ _ received at our processing facility aher 5PM focal time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit if as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D~S~,~VER DISCOVER I~Jew Balance Minimum Payment Due $18,202.43 $2,341.00 Payment Duet Dale March 5, 2012 tosnsrvcAOt o~otsso PRAYER, 7ERRIE L PRAYER, FREDERICK C SO EASTGATE DR CAMP HILL PA 17011-1309 Account Number ending Enter Amount Enclosed Be ow Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $1,802.43. Text APP to DiSCOV` to receive a link to our free mobile app and pay your bill in seconds from anywherel PO BOX 71084 ~~~"'~I"""~~~~"'~r~rr~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed ~rr~r~~rr~rrr~r~~rtr~rr~r~rrr{~~~trt~rr~rr~rr~~rr~rr~rr~r~rr~~ Go to www.Discover.com or print change in space above. Opening Date: January 1 T, 20T2 Closing Date: Febr~ Discover More Card Account Summary Account number ending in 1623 Previous Balance $17,722.33 Payments And Gedits 0.00 Purchases + O.OD Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 445.10 _ Ne~v Balance X18,202.43 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $16,400.00 Credit line Available $0.00 Cash Advonce Credit tine $8,300.00 Cash Advance Credit line Available $0.00 You may be abie to avoid Interest Charges, see Additional Important InFormation for details. Cashbaek Bonus"' Anniversary Month October Opening Cashbaek Bonus Balance $ 0.00 Naw Cashbaek Bonus This Feriod + 0.00 Cashbaek Bonus Balance $ 0.00 To learn more, log .n at www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at vvww.Discover.cam 2. Call 1.800•DISCOVER {1.800-347.2683. Please have your Discover®card availab a. 3. Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (I`Jot a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, Il 60197.6103 Fcr TDD (Teieccmmunications Device for the DeaF1 assistance, please call 1-800.347.7449. Transactions Trans. Post Date Date Fees Feb 5 Feb 5 LATE FEE $ 35.00 TOTAL FEES FOR THlS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 225.79 INTEREST CHARGE ON CASH ADVANCES 219.31 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 err rv, ~~r~ rwyo ~ ~r Payment Information New Balance $18,202.43 Minimum Payment Due* $2,341.00 Payment Due Date March 5, 2012 `Includes past due amount of $1,840.00 Laro Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a fate fee of up to $35.00 and your purchase and balance transfer ,4PRs for new transactions maybe increased up to the Penalty ,4PR of 29.99'6 variable. Wlinimum Payment Warning: IF you make only the minimum payment each period, you will pay more in interest and it will fake you longer to pay off your balance. For example: If you makeriG 'i~ fauvrillpayrajflha Andy,:outitlleiid" gddllwnp~'ctiarges balance sh4kln QA, ..... up paying an Ustng tlf~~.gord ranr3 . Ihrs stdtemenf jn ; estimated iota3 of: ea4ftmprNt'<`Pu.J?ay absx~z. Only the minimum 67 years $184,647 payment IF you would like information about credit counseling services, call 1.800.347-1 121. Manage Your Account Online at www.Discover.com Access free online tools like Poydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresht-find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone NOTICE: SEE REVERS[ SIDE FOR IMPORTANT IPJFORMATION DiSC~VER DISC®VER' It pays io PRAYER, TERRIE L Account number ending i 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 07/26/2010 and after 07/25/2010 and prior Cash Advances V =Variable Rata ANNUA! PERCENTAGE RATE (APR) BALANCE SUBJECT 70 INTEREST RATE INTEREST CHARGE 29.99 ro V 28.999'0 28.99°0 $4,107.13 $4,921.99 $8,907.66 $104.61 $121 18 $219,31 Information For You '' * ATTENTIOPJ ~ * * Your account is seriously past due. Payment of the amount due and arrangements Eor future payments should be made immediately. Additional Important Information _ Sae yourCardmambar Agreement. _ Y_our_Cnrdmambsr_Agreeroent contains all fhe_term:~of your_Acco.unt._ _ _ Lost or stolen cards. Report immediafelyl Call 1-800.347-2683. What To Do tf You Think You Find A Mistake On Your Statement If you think there is an orror on your statement, write to us at: Discover, PO Box 30421, Salt lake City, UT 84130.0421 In your letter, give us the following information: Account information: Your Hama and account number. Dollar omounf: The dollar amount of the suspected error. Uescri tiorr of Problem: IF you think there is an error on your bill, describe what you believe is v+rong and why you believe rt is a misla e. You must contact us v+ithin 60 days after the error appeared on your statement. You mush notify us of any potential errors inwritin .You may call us, but if you do we are not required fo investigate any potential errors and you may have to pay the amount in questron. 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 v+e may continue to charge you interest on that amount. But, if vve determine that we made a mistake, you v+ill not have to pay the amount in question or any interest or other fees related fa that amount. 1Nhile you do not have to pay the amount in question, you are responsible for the remainder of your balance. ~Ne can apply any unpaid amount against your credit limit. Your Rights if You Are Dissatisfied With Yovr Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased v+ith your credit card, and you have tried in good faith to correct the problem with the merchant, you may hove the right not to poy the remaining amount cue on the purchase:. _ _.... _ _ ......._ _ _..._ __ _...,....... _ _ . _ _ To use this right, all of the following must be true: 1. The purchase must have been made in your home state or v+ithin 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based an an advertisement we mailed to you , or if vve own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made v+ith cash advances from an ATM or with a check that accesses your credit card account do not qualify. ?.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writino at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After v+e 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 arty time. However, you must pay of leost 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. 6y sending your check as describacl above, you authorize us to use information on your check to make an electronic fund transFer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information f~'om your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence ar other items v+ith your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our prgces~ing_facility by SPM IQCaI time on. any. doyy wt(I be crediledlo_ y9ur Account. as oEthgt day._ Payments _ received at our processing facility after 5PM local time will 6e credited fo your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 days For delivery. IF your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. t~JOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DtSC~VER D1SC~VER New Balance Minimum Pavment Due S1a,66a.77 Sz,aza.oo ' Payment Due Date April 5, 2012 10 SDSNuAOt 0001591 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EAST6ATE DR CAMP HILL PA 17011-1309 Account Number ending Enter Amount Enclosed Be ow L._-_--~ Please make check payable to Discover Card. Minimum ayment due includes a past due amount ofp$2,341.00. Phone and internet payments must 6e made by S:OOpm ET for same day ostin pfext A~~P to DISCOV` to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 72084 III"'Il"""1111"'I'I"I CHARLOTTE NC 28272-1084 Address, e-mail cr telephone changed lirlr~~rr~rrr~i~lrirlri~~lrri~~llrulrrlrr~ii~~irlrilirlrlirll Go to www.Discover,com or print change in space above. Opening Dote: February 1 1, 2012 Closing Date: March 10, 2012 Discover More Card Account Summary Account number ending in 1623 Previous Balance $18,202.43 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 427.34 _ ___ _ New Balance $18,664.77 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $16,400.00 -Credit LineAvaildble-~ - - '~~~~$0:00 Cash Advance Credit Line $8,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. ' Cashback Bonus"' Anniversary Month ~ ' October Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance _ $ Q,Qp To learn mare, 106 .n m v,rww.Discovcr.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER {1.800-347.2683). Please have your Discover®card available. 3. Write to-us at Discover, PO Box-30943, Salt Lake Cily, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Slream, IL 60 1 97-61 03 For TDD [telecommunications Device for the Deaf} assistance, please call 1-800.347-7449. Payment Information page 1 of 2 New Balance $18,664.77 PAinimum Payment Due* $2,824-00 Payment Due Date April 5, 2012 'Includes past due amount of $2,341.00 faro 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 f1PRs for new transactions may ba increased up to the Penalty APR of 29.99°6 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: IfXou make rfa Yatx Yatll pay oFf'Ihe And you will end addthnttal~ftarge5°` bafarzCa shav,~n on up paying an ustng.thi3~gicfand: Ihfssttifeinentig estimated totalof.. ach month you pa j ., about,'„ Only the minimum 67 years $185,631 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 1o create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morest•~-find easy ways to earn and redeem cash ravmrds NEWT Access your account securely through your mobile phone Transactions Trans. Post Oate Date Fees Mar 5 Mar 5 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 217.2d INTEREST CHARGE ON CASH ADVANCES 210.10 INTEREST CHARGE ON BALAtJCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~VER DISCOVER It pays to PRAYER, TERRIE L Q~~~~~ Account number ending i~ page 2 of 2 Interest Charge Calculation Your Annual Percentage Raie (APRj is the annual interest rate on }your account. Currant Billing Period: 29 days TYPE OF BALANCE Purchases 07/26/2010 and after 07/25/2010 and prior Cash Advances ANNUAL PERCENTAGE RATE (APRj BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE 29.99% V 28.99% 28.99% $4,244.98 $5,040.60 $9,122.33 $101.15 $1 16.09 $210.10 V =Variable Rate Information For You * * * ATTENTIOtJ * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Additional Important Information See your Cardmember Agreement. Your. Cardmember Agreement contains alllhe_terms of your. Account. _ . Lost or stolen cards. Report immediately! Call 1.800.347-2663. What To Do !f You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to vs ai: Discover, PO Box 30421, Salt lake City, UT 84130.0421. In your (attar, give us the Following information: Account information: Your Home and account number. Dollar amount: The dollar amount of the suspected error. Descri Pion oFPrablem: tf you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors inin writin .You may call us, but if you do v+e are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate v+helher or not there has been an error, the follotiving 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 an that amount. But, iF we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not hove to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Riahts if You Are Dissatisfied Wifh Your Credit Card Purchases If you are dissatisfied with the ggoods or services that you have purchased v+ith your credit card, and you have tried in good faith to correct the problem with the merchant, ycu may hove the right not to pay the remaining amount due on the purchase: _ To use this right, all of the following must be true: l .The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if eve own the company that sold you the goods or services.) 2. You must have used your credit card For the purchase. Purchases made with cash advances From an ATM or with a check that accesses your credit card account do not qualify. ~. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contcct us in writinq at: Discover, PO Box 30945, Salt Lake City, UT 84130.0445 While we investigate, the same rules apply to the disputed amount as discussed above. AFler eve finish our investigation, we wit{ tell you our decision. At that point, if v+a think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. IF pa ment is processed as an electronic fund transfer, the transfer v+ill be for the amount of the check. When v+e use information from your check to make an electronic fund transfer, Funds may be withdrawn from your account as soon as the same day we receive your payment, and }you v+ill not receive your check back from your financial insfitufior<<. ;The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you 'send the payment to any other addressor if you use an envelope other than the one provided. Payments received in proper form at.our.processing facility by 5PM local timfl on anydayy will be. credited to.yovr Account as of that day.. Payments received at our processing facility after 5PM local time vrill be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery li your payment is returned unpaid, we reserve the right 1o resubmit it as an electronic debit. NOTICE: SEE P.EVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER flew Balance Minimum Payment Due DISC©VER $19,168.59 $3,348.00 Payment Due Date May SA 2012 t O SDSN6A07 0001592 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Account Number ending in Enter Amount Enclosed Below ~- Please make check payable to Discover Card. Minimum ayment due includes a past due amount ofp$2,824.00. Phone and infernet payments must be made by S:OOpm ET for same day ostin Pfext A~P to DISCOV` to receive a link to our free mobile app and pay your hill in seconds from anyvrherel PO BOX 71084 ~~~nr~~nnu~~~~ru~r~u) CHARLOTTE NC 28272-1084 Address, email or telephone change? ~~r~i~~iiiir~ii~~iri~iii~~iri~~~~riritr~rr~ir~~ri~rr~rr~i~i~{~ Go io www.Discover.com or print change in space above. Onenina Date: March 11, 2012 - Closing Date: April 10, 2012 Discover More Card Account Summary Account number ending in 1623 Previous Balance Payments And CredRs Purchases Balance Transfers Cash Advances Fees Charged Interest Chaged IJew Balance $18,664.77 0.00 + 0.00 + O.OD + 0.00 + 35.00 + 465.82 $19,168.59 See Interest Charge Calculation section following traitsacfions for detailed APR information Credit Lina $16,400.00 $0:00 Credit Line Avdiid6le ~, Cash Advance Credit Line $8,300.00 I Cash Advance Credit Line Available $0.00 ~ You maybe able to avoid Interest Charges, see Additional ~ Impoiiant Information for details. CaShi]dC)C gOnUSK' .Anniversary Month October Opening Cashback Bonus Balance $ 0,00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 io team more, log i.-, ar www.Discover.com 3 Easy Ways to Contact EJs 1 Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1.800.347.26831. Please have your Discover®card available. 3. Write to us at Discover, PO Box 30943, Salt Lake Cify, LIT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60 1 97-6 1 03 For TOD (Telecommunications Device for the Deaf) assistance, please call i-800-347.7449. page 1 of 2 Payment Information flew Balance $ i 9,168.59 Minimum Payment Due' $3,348.00 Payment Due Dafe May 5, 20} 2 "includes past due amount of $2,824.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% 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: If you would like information about credit counseling services, call 1.80Q347.1121 If you"rrfp"'ke na :: ~ ou v~il(pay`off the And you will and additianalcharg~s " balance shown on up paying 4n 45Ing thfS-C4rd ands ~ this siolament in estimatedfotal 0~,. each menlh yoq.pay.. about,.. Only the minimum 67 years $185,631 payment Manage Your Account Online at www.Discover.com Access kee online tools like Paydown Planner to create a plan to pay dovrn your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more5A1-find easy ways to earn and redeem cash revrards NEW! Access your account securely through your mobile phone 'Transactions Trans. Post Date Date Fees Apr 5 Apr 5 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 interest Charged INTEREST CHARGE ON PURCHASES $ 238.81 INTEREST CHARGE ON CASH ADVANCES 230.Oi INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~VER DlSC~VER u pays,, PRAYER, TERRIE L Account number ending i page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on 1•our account. Current Billing Period: 31 days TYPE OF BALANCE Purchases 07/26/2010 and after .07/25/2010 and prior Cash Advances ANNUAL PERCENTAGE RATE {APR) BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE 29.9990 V 28.99°r; 28.9990 $4,386.32 $5,162.10 $9,342.22 $111.71 $127.10 $230.01 V =Variable Rafe Information For You +,+ ATTENTION ' * * Your account is serious{y past due. Payment of the amount due and arrangements for future payments should be made immediately. Additional Important Information See your C;ardmem~er Agreement. _ Yovr_Oardmembsr Agreement cflntains al( the_terms_of your. Account._ _ _ Lost or stolen cords. Report immediately! Call 1.800.347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us of'Discover, PO Box 30421, Salt Lake City, UT 84130.0421. In your teller, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected en•or Descri lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wrifin .You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, iF we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not hove to pay the amount in question, you are responsible For the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights ff Yoy Are Dissatisfied With Your Credit Cord Purchases If you are dissatisfied with the goods or services that you Piave purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on thepurchase: _ __..__....,.. _ __...... _ _ _... _.. _. _. _ _ .. To use Phis right, all of the following must be true: l .The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances From an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wrifin at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. Affer vve Finish our investigation, we wit{ tell you our deciscon. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay of least the Minimum ,Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the ,payment as a check transaction. If pa ment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash; correspondence or other items with your payment, if you send the payment to anyy other address cr if you use an envelope other than the one provided. Payments received in proper form at our processing_tacility by 5PM_ local time on .any dayy will he credited to you..r Account as of.lhat day, Payments _ _ received at our processing facility esker 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days For dehver~. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER D'SC~VER New Balance Minimum Payment Due $19,669.37 $3,869.00 Payment Due Date June 5, 2012 10 SDSNoA010007593 PRAYER, TERRIE L PRAYER, FREDERICK C 50 EASTGATE DR CAMP HILL PA 17011-1309 Account Number ending i En(ter~Amoun~t Enclosed Bel L_--~ Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $3,269.37. Text APP to DISCOV` to receive a link to our free mobile app and pay your bill in :>econds from anyvhere:! Po Box 71084 Illr,~llrrr~~rllllr~rl,l~rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Ittlrllrrlrrrlrllrirlttltlrrrllllirrlrrltrlrtllrtlrrlrrlrlrrll Go to vvww.Discover.com or print change in space above. Opening Date: April I I, 2U t2 - Closing Uate: May It Discover More Card Account Summary I Accovnl number endin_y in 1623 Previous Balance $19,168.59 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 465.78 _ __ _ New Balance ~ _ 19,669.37 See Interest Charge Calculation section following transactions far detailed APR information Credit Line $16,400.00 Credit [.irie Available $0.00 Cash Advance Credit Line $8,300.00 Cash Advance Credit Lane Available $0.00 You may be able to avoid Interest Charges, see Additional Impotiant Information for details. Coshback Bonus® P,nniversary Month October Opening Cashback Banus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in et www.Discoaer.com 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.com 2. Call 1-800•DISCOVER (1.800-347.2683). Please have your Discover®card available. 3. VVrife to-us at Discover, PO $ox 3093, Salt Lake City, UT 84130 (Not a payment address) Fer payments, please send fo address on remittance or Discover, PO Box 6103, Carol Stream, IL ti0197.6103 Fcr TDD (Telecommunications Device for the Deaf) assistance, please toll 1-800.347-7449. 2012 page 1 of 2 Payment InFormation New Balance $19,669.37 Minimum Payment Due* $3,869.00 Poyment Due Dafe Jwie 5, 2012 *Includas past due amount of $3,348.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions maybe increased up to thr: Penalty APR of 29.99% variable. Minimum Payment Warning: if you make only the minimum payment each period, you will pay more in interest aind it will take you longer fo pay off your balance. For example: If you would like information about credit counseling services, call 1.800.347-1121 I{you rn'a4s no" ~ Ycu vriJl~liay off the And'yov Hill en,c! :? odditiongf cfipr~es-~ ~~ balance shovm~on up poy~ng an using thts'card ond' this statement in eajmated iptal o~~r each mc?ith You i~Y .- about:<. Only the minimum 67 years $186,284 payment 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 statennents, pay bills online and easily track all transactions Make your money worth maresht-find easy wars to earn and redeem cash rewards NEW I Access your account securely through your mobile phone Transactions Trans. Past Date Dnte fees May 5 May 5 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 interest Charged INTEREST CHARGE ON PURCHASES $ 237.74 INTEREST CHARGE ON CASH ADVANCES 228,04 fNTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE P,EVERSE SIDE FOR IMPORTANT INFORMATIOhJ DISC~1/ER DISC©VER Ir pegs to PRAYER, 7EF;RIE ! ~Q~~~V~R• Account number ending page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE Purchases 07/26/2010 and after 07/25/2010 and prior Cash Advances V =Variable Rate ANNUAL PERCENTAGE RATE (APR) 29.9990 V 28.99'% 28.99% BALANCE SUBJECT TO INTEREST RATE $A,532.98 $5,288.63 $9,57 t.18 INTEREST CHARGE $111.73 $126.01 $228.04 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1.800.347.2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt La4:e City, UT 84130.0421. In your letter, give us the Following information: Account information: Your game Qnd account number.. _ _ _ _ Dollar omount~ The dollar amount of the suspected error. Descri~Pion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe itis a misla' ke. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors inin wrrtin .You may call us, but iF you do we are not required to investigate any potential errors and you may have io pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Ricrhts !f You Are Dissatisfied With Yaur Credir Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pa;~ the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary iF your purchasea was based on an advertisement we mailed to you , or if we own the company chat sold you the goods or services.) 2. You roust have used your credit card for the purchase. Purchases made with cash advances from qn ATM ar v~ith q c ieck t at accessias your credit card accourit do not qualify. 3. You must not yet have fully paid for the purchase. If all of the r;riferia above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While vre investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must p<ay 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 to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as <_oon as the same day we receive your payment, and you will not receive your check back from your Financial institution. The processing of your payment maybe delayed iF you send cash, correspondence or other items with your payment, if you send the payment io any other addressor if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local Time on any dayy wilt be credited to your Account as of that day. Paymer~fs received at our processing faalrty after 5PM local time will be credited to our Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, I! 6 01 9 7-6 1 03. Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE P.EVERSE SIDE FOR IMPORTANT INFORMATIOtJ DISCOVER ....~~-- z - ;~.~. _ - - _ FREDERICK C. PRAYER os-s~ -. s~3 stza ~ _ _ ,16 9 ~+ _ 50 1;~1STGATE DRIVE, - - _ CAbSP HILL, PA 17011 ~ - ' - - - t _ - _ - - .. _ - - DATE. - ~. - -PAYTO'ff~ ~J~ CV a}Q".~lr!'~Y`C7~" '- - ~~ ~ ~ - ORDEROF yy ~J~ ~ ~ ,,; M8T Bank -. . -- ~ - ~ _ ~ _ - _ ~ •- - - - M>rht0 - ~ - _ _ ~_ ~! j ~ ~ --ter. ~ _ _ _ _ ~ - ,~~odooa~,oooo,~, r 1 h ~l ~~-~ rT ~~ ~ ~„ - a~ - - - -- -- --- -- ' >031100fi49< IIISC{}VER B INK p I TERRIE L PRAYER ttl$a 2'118 FREDERICK G. PRAYER, JR. 50 EASTGATE l3R. Date_ > ' ~ ~-~sl~so CAMP HILL, PA 17011 ~ Pay to the Order of ~t , SG~~r ~ ~___.._I ~ a~On zb ~' ~~~ ~ Urrq~(/~ ~ ~ -' «~ r» ~ .-.~ .-~ .... ,~ --~ _ ,4.c.r.,~7 arse ~ ~"~ ~ Citizens Bank Pennryhranta For ~ 2 ~ 18 ''00000 20000+' ~~r~:,;. ,,~ ~ ~;,~. <, ,r, ~ , ~ r , ~~ ~~ >o3i1 uo ~~s< ~ Qiscov~_3 ~~~~v~ ~ DOYEN ~E ~y , k •.J V w *~c R. ii L.- R.t 1 6s .~.~ ~: i V S-x +t ~.' 1 i 'u ~. r_i`_;; ~: it-t ~ltih ~ `/ ~(~ ~_' ~: I_' ~~Lj TERR~E L PRAYER 11/84 2813 F'REDERtCK C. PRAYER, JA. 60 EASI"t3ATE DR. ~~~ar~o CAMP HtLL. PA 17011 ~ ~ ~ ~ ate Ord Hof e ~,.5 Cdc~ ~ V ~a'~-.~ ~ ~ t~6 7cv ~"~~` ~. ~~ ~ $eJ Dollars Q Citizens Bank ~~~~a For .. 28 L 3 :~.. ._- ,,.;• ti c i o ° - , `_ - ~; s~ ~~_~'~-. ~:a. '. C! ~, ~ r - - . r_ _ 1 ~i ~. ;_ , -,cy~ ~ ~ r V ~u y ` = ~ ~ ~ < y rt ~~ - ~ - :~ ~ '~ y G n V -' ' - c ~ ~ . - ' . ^ h ` ~ '. ` a_ 1 ~~ ~ .. - - f_ ~ f ~~-- .~ ,~ 1= 1 b ~ i ~j ~ i i '~ i :: ' . ,rl A f ~- 1 J Fi 1 °1 ~) 1 DISCOVER BANK I2 Reads Wav New Castle, DE 19720 PlaintifF vs. TERRIE L. PRAYER and FREDERICK C. PRAYER ~0 EAS"I~GATE DR CAMP BILL, PA 1701 1 Defendant(s) COURT OF COMMON PLEAS CUMBERLAND COtTNTY, PENNSYLVANIA CIVIL ACTION-LAW No.: 12-5068- CV CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of Plaintiff s Second Amended Complaint on the date indicated below to all parties or their attorneys of record bv: _ X regular first class mail certified mail ether DATE;: , ~ ! ~ ~ fir; 7 PRESSLF~I~ end PLER, LLP ~ ~ %`~ {; L-' BY: FRANCIS X. GRIMES, ESQUIR}~. Attorney for Plaintiff PRESSLER AND PRESSLER, LLP By: Francis X. Grimes, Esquire I.D.#62404 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 DISCOVER BANK Plaintiff `.'s. TERRIE L. PRAYER FREDERICK C. PRAYER Defendant(s) Attorney for Plaintiff : :z 1 u CJ r? W COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA CIVIL ACTION-LAW NO. 12-5068 CV PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my Appearance as co-counsel on behalf of the Plaintiff in regard to the above matter. DATE: 1/24/13 LLP PRESSLER AND PRESSLER Attorney for Plaintiff , By: Francis X. Grimes, Esquire `<:z CO I.D.#62404 804 West Avenue Jenkintown, PA 1046 (215-576-1900) DISCOVER BANK : COURT OF COMMON PL EAS CUMBERLAND COUNTY, PA Plaintiff : CIVIL ACTION-LAW vs. :NO. 12-5068 CV TERRIE L. PRAYER FREDERICK C. PRAYER Defendants PRAECIPE TO SETTLE, DISCONTINUE AND END TO "THE PROTHONOTARY: Kindly mark the above captioned matter Settled, Discontinued and Ended upon payment of your costs. Date: 1/24/13 L-" _ FR CIS X. GRIMES, ESQUIRE