Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
13-2460
Supreme Cou Wo lPe��nnsylvania COU "OL*1,O�3YllYlO � Pleas For Prothonotary Use Only: Ci it C�S'lr t �` 1s- , x c Docket No: ST , CU B V LO Irt RLAND rAr county a O � The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers as required by law or rules of co urt. Commencement of Action: S 0 Complaint M Writ of Summons r-1 Petition 0 Transfer from Another Jurisdiction ® Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: T DISCOVER BANK FRANK H. MORGAN, JR. I Are mope dam a g es req uested? X' Yes No Dollar Amount Requested: IX, within arbitration limits Y g 9 (check one) Doutside arbitration limits 0 N Is this a Class Action Suit? 13 Yes x; No Is this an MDJAppeal? I M Yes D No A Name of Plaintiff /Appellant's Attorney: Francis X. Grimes 0 Check here if you have no attorney (are a Self.- Represented (Pro Sel .Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. i TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS 0 Intentional 0 Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution El Debt Collection: Credit Card 0 Board of Assessment 0 Motor Vehicle ® Debt Collection: Other 0 Board of Elections Nuisance Dept. of Transportation IJ Premises Liability Statutory Appeal: Other S IJ Product Liability (does not include ' E mass tort) 0 Employment Dispute: n— Slander/Libel/ Defamation Discrimination C 0 Other: ® Employment Dispute: Other 0 Zoning Board 0 Other: T I 0 Other: o MASS TORT 0 Asbestos N 0 Tobacco 0 Toxic Tort - DES 0 Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS Toxic Waste 0 Ejectment 0 Common Law /Statutory Arbitration B ©Other: 0 Eminent Domain/Condemnation 1 -1 Declaratory Judgment 0 Ground Rent Mandamus 0 Landlord/Tenant Dispute -i Non - Domestic Relations 0 Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY ©i Mortgage Foreclosure: Commercial 'J Quo Warranto 0 Dental ® Partition 0 Replevin 0 Legal 0 Quiet Title 0 Other: 0 Medical 0 Other: 0 Other Professional: Updated 1/1/2011 rt COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of CUMBERLAND FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. NAME OF APPELLANT MAG. DIST. NO. NAME OF MDJ Discover Bank 09 -1 -01 Hon. Charles A. Clement, Jr. ADDRESS OF APPELLANT CITY STATE c/o Pressler & Pressler, LLP 804 West Avenue ZIP Jenkintown, PA 19046 DATE OF JUDGMENT ain i e nan 4/9/13 Discover Bank DOCKET No. k Morgan, Jr. STOR ATTORNEY OR AGENT CV- 0000329 -12 This block will be signed ONLY when this notation is required under ] Pa. ellant was Claimant (see Pa. R.C.P.D.J. No. 1001(6) in action R.C.P.D.J. No. 10088. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon appellee(s), to file a complaint in this appeal Name of appellee(s) (Common Pleas No. ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attorney or agent RULE: To appellee(s) Name of apps lee s (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAYBE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: 20 t INVA"IASNN3d Signature of Prothonotary or Deputy YOU MUST INCLUDE A COPY OF T146QTW & — gAai�T/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-05 '3 1 10 ' p 3 ~ s l . `� °I 60 3 !0 GOMMONWEALTH:OF PENNSYLVANIA Notice of Judgment/Transcript Civil COUNTY OF CUMBERLAND •� N Case >.: Mag. Dist.. No: MDJ- 09.1 -01' Discover Bank ,,. i..; MDJ. Name: Honorable Charles A.:Clement - .Jr.. V Address.° 4 , ,;.920'Lrida'L'ane:E`•' ~�` ' Frank H Morgan'Jr, Camp: ::. Hill' PA=17011 ':Telephoner 717 -737 - 3434; Discover Bank C/O Pressler And Pressler, LLP Docket No: MJ- 09101 -CV- 0000329 -2012 7 Entin Road Case Filed: 8/30/2012 Parsippany, NJ 07054 -5020 !Ltr- ,isl:' .- ...t •�Y`+WYi, � :•'•t._ - „+ - :�: �”. i.Y.:ad. _l.,b• . -.... ._. - _ '•`� . -- _. �._- — fir.- ._..��__..- ._.__. ... _ ... .+.. Disposition Details Disposition Summary Docket No Plaintiff Defendant osrtion Also Disposition Date MJ- 09101 -CV- 0000329 -2012 Discover Bank Frank H Morgan Jr. Judgment for Defendant 04/09/2013 ANY PARTY HAS THE. RIGHT TO APPEAL WITHIN 30 AFTER THE ENTRY OF JUDGMENT BY FILING 'A NOTICE OF APPEAL WITH THE PROTHONOTARYICLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION, YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT /TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. 10 EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Vu 4/912013 U.,A Ot. Date Magisterial District Judge Charles A. Clement Jr 1 certi y that this is a true and correct copy o (Re record Ot the Proceedings containing the Iu gment. Date Magisterial District Judge 4 MDJS 315 Page 1 of 2 Printed: 04/1012013 3:27:03PM Discover Bank V. Docket No.. MJ- 09101 -CV- 0000329 -2012 Frank H Morgan Jr. r •'r' `. Participant Lis Ali.. ��•.:'' . • .. .. i ; Plaintiff(s) Discover Bank C/0 Pressler And Pressler, LLP 7 Entin Road Parsippany, NJ 07054 -5020 Defendant(s) Frank H Morgan J'r: " - - - -' - - ---- --t -- - . 701 Park Way Broomall, PA 19008 Complainant's Attorney(s) Ralph Gulko, Esq. Pressler and Pressler, LLP 7 Entin Road Parsippany,.NJ. 07054 -5020 r:. 4- a; MDJS 315 Page 2 of 2 Printed: 04/10/2013 3:27:03PM N PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN(10)DAYS AFTER filing the notice of appeal.Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF MONTGOMERY ss AFFIDAVIT: I hereby swear or affirm that I served: EX A copy of the Notice of Appeal,Common Pleas No. 13-2460 Civil upon the District Justice designated therein on (date of service) May 6, .20 13 , Ij by personal service YQ by(certified)(registered)mail,sender's receipt attached hereto and upon the appellee,(name) Frank H. Morgan, Jr. on May 6 20 13 o by personal service My(certified)(registered)mail,sender's receipt attached hereto. o And further that I served the Rule to File a Complaint accompanying the above Notice of Appeal upon the appellee(s)to whom the Rule was addressed on 20 0 by personal service 0 by(certified)(registered)mail,sender's receipt attached hereto. SWORN (AFFIRMED) AND SUBSCRIBED BEFORE M 6th May 13 THIS DAY OF 20_ Signature of afflant Signature Notary Public Title of official My commission expires on 20 Revised 12/2003 COMMONWEALTH Ci�'PENNSYLVANIA NOTARIAL SEAL Kimberly DeIubis-Notary Public Jenkintown Bcro,,Montgomery County My COMMISSION .AN,17,2014 )AO C_I 01�% � D IiViLI.�IYI s e co M -0 -}�[�? • �p x�}fir C3 U S ru C3Postage $ • �' K 1)Here O Certified Fee V O Return Receipt Fee O (Endorsement Required)Restricted Delivery Fee p (Endorsement Required) Er rUTot ostage&Fees _1 O OM _ + reef,Apt.No.; or P ox No. Ci ZIP+4 d3f�]�ii :�� G�Fii ��• � 3ofLD'�A�AA —...0 - - UR7 -. D D C3 a fQ '• .•• j �• I C3 O CD Postage $ Certified Fee O 10 Return Recelgputred C Poy ma �Q C3 (Endorsement Required) �rk Restricted Delivery pee Here O (Endorsement Required) 'p 17-u t/r rU O t 1 Post e&Fees $ w r-� t 6�6W�� 1 S`1ree1 Apt lVo,j" orP Ci t te,Z%P+ --° i s MAURICE H.PRESSLER(1930.2002) PRESSLER AND PRESSLER,LLP DANIEL B.SULLIVAN(NJ&PA) DARYL J.KIPNIS SHELDON H.PRESSLER COUNSELLORS AT LAW DALE L.GELBER MICHAEL J.PETERS(NJ&NY) -- 7 Entin Rd. GINA M.LO BUE(NJ&NY) RITA E.AYOUB GERARD J.FELT Parsippany,NJ 07054-5020 EDWARD STOCK(PA ONLY) THOMAS M.BROGAN STEVEN P.McCABE Off:(973)753-5100 NICHOLAS J.MADONIA STEVEN A.LANG LAWRENCE J.McDERMOTT,JR. Fax:(973)753-5353 CHRISTOPHER P.ODOGBIL DIANA K.ZOLLNERI ----- ERICA L.FIELDS MITCHELL L.WILLIAMSON(NJ&NY) NY Once; PA Office FRANCIS X GRIMES(NJ&PA) 305 Broadway,9'h Floor 804 West Avenue DARREN H.TANAKA(NJ&NY) New York,NY 10007 Jenkintown,PA 19046 OFFICE HOURS: JOANNE L.D'AURIZIO(DC,FL,NJ&NY) Office:(5161222-7929 Office(215)576-1900 Monday-Thu=r.8anr9pm MITCHELL E.ZIPKIN(NJ&NY) Fax:(973)753-5353 Fax:(215)576-7299 Friday:&azndpm CRAIG S,STILLER(NY ONLY) E-MAIL:PresstertDPressler-Pressler,com sawrday:gam-2pm RALPH GULKO(NJ,NY&PA) Please Reply To: (X]New Jersey Office (j New York Office ( ]Pennsylvania Office May 6, 2013 Mr. Frank H. Morgan, Jr. 701 Park Way Broomall,PA 19008 Re: Discover Bank vs. Frank H. Morgan, Jr. MDJ#09-1-01 No. CV-0000329-2012 Court of Common Pleas Cumberland County, PA No. 13-2460 Civil P&P File Number M292645 Dear Mr. Morgan:. On behalf of the plaintiff,Discover Bank, enclosed please find a true and correct copy of a Notice of Appeal,the original of which was filed with the Court of Common Pleas of Cumberland County on May 3, 2013 in regard to the above matter. Please be guided accordingly. Very truly yours, PRE L PRESSLER,LLP F CIS X. GRIMES FXG:kd Enclosure CERTIFIED MAIL, RRR THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE N MAURICE H.PRESSLER(1930-2002) PRESSLER AND PRESSLER,LLP DANIEL B.SULLIVAN(NJ&PA) DARYL J.KIPNIS SHELDON H.PRESSLER COUNSELLORS AT LAW DALE L.GELBER MICHAEL J.PETERS(NJ&NY) 7 Entin Rd. GINA M.LO BUE(NJ&NY) RITA E.AYOUB GERARD J.FELT Parsippany,NJ 07054-5020 EDWARD STOCK(PA ONLY) THOMAS M.BROGAN STEVEN P.McCABE Off:(973)753-5100 NICHOLAS J.MADONIA STEVEN A.LANG LAWRENCE J.McDERMOTT,JR. Fax:(973)753-5353 CHRISTOPHER P.ODOGBIL DIANA K.ZOLLNERI MITCHELL L.WILLIAMSON(NJ&NY) NY Once: PA Of e ERICA L.FIELDS FRANCIS X.GRIMES(NJ&PA) 305 Broadway,9th Floor 804 West Avenue DARREN H.TANAKA(NJ&NY) New York,NY 10007 Jenkintown,PA 19046 OFFICE HOURS: JOANNE L.D'AURIZIO(DC,FL,NJ&NY) Office:(516;222-7929 Office(215)576-1900 Monday-Thursday:8am-9pm MITCHELL E.ZIPKIN(NJ&NY) Fax:(973)753-5353 Fax:(215)576-7299 Friday:8am-7pm CRAIG S.STILLER(NY ONLY) E-MAIL:Pressler(dPressler-Pressler.com Saturday:9am-2pm RALPH GULKO(NJ,NY&PA) Please Reply To: [X]New Jersey Office [ ]New York Office [ j Pennsylvania Office May 6, 2013 Hon. Charles A. Clement, Jr. MDJ#09-1-01 920 Linda Lane Camp Hill, PA 17011 Re: Discover Bank vs. Frank H. Morgan, Jr. MDJ#09-1-01 No. CV-0000329-2012 Court of Common Pleas Cumberland County, PA No. 13-2460 Civil P&P File Number M292645 Dear Judge Clement: On behalf of the plaintiff, Discover Bank, enclosed please find a true and correct copy of a Notice of Appeal,the original of which was filed with the Court of Common Pleas of Cumberland County on May 3, 2013 in regard to the above matter. Please be guided accordingly. Respectfully, PRESSLER z RESSLER, LLP FXG:kd FRA ,CIS X. GRIMES Enclosure CERTIFIED MAIL, RRR THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA DISCOVER BANK No. 13-2460 Civil Plaintiff C= -am Mcu -r" m Vs :r Lnr- <3> cn FRANK H. MORGAN, JR. r- CD--nj Defendant =C:) NOTICE TO DEFEND YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES,YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH 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 REDUECED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013 1-800-990-9108 717-249-3166 P&P File No. M292645 PRESSLER and PRESSLER, LLP Attorney for Plaintiff BY: FRANCIS X. GRIMES, ESQUIRE I.D. #62404 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 DISCOVER BANK COURT OF COMMON PLEAS 6500 New Albany Road East CUMBERLAND COUNTY, PENNSYLVANIA New Albany, OH 43054 CIVIL ACTION-LAW Plaintiff vs. NO. 13-2460 Civil FRANK H. MORGAN,JR. 701 Park Way Broomall, PA 19008 Defendant(s) 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 6500 New Albany Road 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 does not conduct business within the Commonwealth of Pennsylvania within the meaning 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. Plaintiff issued a Discover credit card to the Defendant(s), and the Defendant(s) accepted the Discover credit card, 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. 7. The Defendant(s)received the physical credit card issued by the Plaintiff, together with a 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"A" 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 forms of credit and maintained a running account, a copy of which was provided to the Defendant(s). Attached hereto as Exhibit"B" is a copy of the Defendant(s) monthly cardmember statements for the period of July 18,2010 through January 31, 2012. 10. 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 payments 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 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("TILA"), 15 U.S.C. § 1601. 13. Plaintiff believes, and therefore avers,that the Defendant(s) last payment in regard to their Discover obligation was processed on or about July 10, 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 January 31, 2012 was $10,482.45; 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 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 law. 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 DEBT 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), Frank H. Morgan, Jr., in the sum of$10,450.88,plus costs. COUNT 11-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 April, 1986 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 minimum mont ly payments pursuant to the statements,the Defendant's continued use of the credit account and other payments and Defendant's acceptance of the monthly statements received. 22. By virtue of the Plaintiff s ongoing rendering an account,the Defendant(s)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 hereinbefore described,reflected on the monthly 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), Frank H. Morgan, Jr., in an amount less than the Court's Arbitration limits, plus costs. COUNT III- UNJUST ENRICHMENT 24. 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. 25. 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), Frank H. Morgan, Jr., in an amount less than the C,urt s Arbitration limits, plus costs. DATE: FRANCIS X. GRIMES, ESQUIRE Attorney for Plaintiff VERIFICATION I, JAMES BALL, hereby state that I hold the position of Team Leader with DB Servicing Corporation, and that I am authorized to take thas Verification on behalf of Discover Bank 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 Frank H.Morgan.,Jr. (card numbe 4821)and that the balance owed as of January 31,2012 was $10,482.45. The Plaintiff lacks sufficient knowledge or information to execute this verification, however,I have sufficient knowledge and information in my position as Team Leader with DB Servicing Corporation which is a subsidiary of Plaintiff and is the servicing affiliate of Plaintiff. THAT, in my capacity as Team Leader,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. DB Servicing 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. Date: JAI�"LL EXHIBIT "A" DISCOVER YOUR DISCOVER® ACCOUNT CARDMEMBER AGREEMENT................Pages 1-14 The terms and conditions of your Account,including how we calculate Interest Charges, our fees and an Arbitration of Disputes section.You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. BILLING RIGHTS..........................Pages 14-16 Important information about your rights and our responsibilities under the Fair Credit Billing Act DESCRIPTION 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. 02011 Discover Bank,Member FDIC TL23AG.0211 11DCM0_0260ILTL23AG0211_00083.Indd 1-2 1111111 9:41 AM i CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discovero Card Account It contains the terms and conditions of your Account some of which may have clanged from earlier materials provided to you.In the event of any differences,this Agreement shall control.We respect your privacy.See the Privacy section on page 10 and our Privacy Policy for additional information.The Arbitration of Disputes section on page 11 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 if you desire to reject the Arbitration of Disputes section. DEFINITIONS....................................................2 USING YOUR ACCOUNT..........................................2 Your Acceptance of this Agreement..............................2 Permitted Uses of Your Account.................................2 Prohibited Uses of Your Account................................3 Purchases and Cash Advances in Foreign Currencies................3 Cash Advances................................................3 Balance Transfers..............................................3 Credit Authorizations..........................................3 Authorized Users..............................................3 Unauthorized Use.............................................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 Payments.......................................5 Minimum Monthly Payment....................................6 Skip-A-Payment Offers.........................................6 Credit Balances...............................................6 Pay-By-Phone.................................................6 INTEREST CHARGES...............................................6 How We Calculate Interest Charges..............................6 Balance Subject to Interest Rate ................................7 Paying Interest...............................................7 Annual Percentage Rates.......................................7 Variable Interest Rates.....I....................................7 PenaltyAPR..................................................8 FEES............................................................8 Cash Advance Fee.............................................8 Balance Transfer Fee...........................................8 Foreign Currency Fee..........................................9 Minimum Interest Charge.......................................9 AnnualFee............................`.......................9 LateFee.....................................................9 Returned Payment Fee.........................................9 Returned Discover Card Check Fee...............................9 ResearchFee.................................................9 DEFAULT AND CANCELLATION.....................................9 -1- 1/71/11 9:41 AM 11DGM0_02BOK-TL23AG0211_00083.lndd 3-4 Types of Default..............................................9 currency and wire transfers,or by means of checks which we may fumish Consequences of Default......................................10 to you,all in accordance with such additional terms and conditions 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 Policy............................................10 other transactions by means of balance transfer coupons or checks,in Reporting to Credit Agencies..................................10 accordance with such additional terms and conditions as we may offer Our Communications with You.................................10 from time to time. Releasing Information About Your Account .....................11 In addition, your Account may be used to guarantee reservations at Electronic Notices to You .....................................i i participating establishments.You will be liable for guaranteed reservations Notices—Changes to Your Information .........................11 that are not cancelled priorto the time specified bythe establishment.Your CLAIMS AND DISPUTES..........................................11 Account may be used for personal, family, household and charitable Merchant Disputes...........................................11 purposes. Claim Notices ...............................................11 Prohibited Uses of Your Account Your Account may not be used to obtain Arbitration of Disputes........................................11 loans to purchase,carry or trade in securities,to pay any amount you owe Right to Reject Arbitration............ .......................13 under this Agreement or for any transactions that are unlawful where you LEGAL INTERPRETATION OF THIS AGREEMENT.......................14 reside or where you are physically located when you use the Account to Compliance......terest ..eLimi.............................14 Compliance with Interest Rate Limitations.......................14 initiate the transaction("Prohibited Transactions"). Governing Law..............................................14 Purchases and Cash Advances in Foreign Currencies.If you make a purchase ASSIGNMENT OF ACCOUNT.......................................14 or cash advance in a foreign currency,it will be converted to U.S.dollars DEFINITIONS the either a govemment-mandated rate,a government-published rate or your Discover Card Account. the interbank exchange rate,depending on the country and currency in "ACCO1mY means So 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. Currency Fee for each purchase made in a foreign currency as described in "Card"means any one or more Discover Cards issued to you or someone the Foreign Currency Fee section on page 8. else with your authorization. Cash Advances.We may periodically 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 Schedule is part of this Agreement. advance. "We;"us'and'our"refer to Discover Bank,the issuer of your Discover Balance Transfers.In our discretion,we may periodically offer you the Cant, opportunity to make balance transfers from other creditors or to make "You,"'your"or"yours"refer to,in addition to you,the Cardmember,any other transactions 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 periodically offer you promotional rates on balance USING YOUR ACCOUNT transfers for the time period specified in the offer,subject to the Penalty APR section.Each offer will contain an expiration date.If you attempt to Your Acceptance of this Agreement The use of your Account or a Card by transfer balances by means of a check after the expiration date,we will you or an Authorized User,or your failure to cancel your Account within 30 treat the transaction as a cash advance.We will not make balance transfers days after receiving a Card,means you accept this Agreement including the attempted by means of a coupon after the expiration date.We may charge Arbitration of Disputes section on 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. Credit Authorizations.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 purchase or lease goods or services from participating identification.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,if our authorization system is not working,we may promotional checks,which we may fumish to you,in accordance with not be able to authorize a transaction.We will not be liable to you if any such additional 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. If 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.W"ISCOVER(1.800.347-2683),or by writing Discover,PO 2_ 3- 11DCM0_02BOK—TL23AG0211 00083.UMd 58 1/11/11 8:41 AM Box 30943,Salt take 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 owed)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 acting 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 credit card account to make payments on your Account.If your to whom it is issued.if a Card is lost or stolen,or if 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 without your permission, notify jointly for the entire amount owed on your Account.We can accept late us immediately. You can notify us by telephoning 14MO-DISCOVER payrnents or partial payments or checks and money orders marked (1.800347.2683),or by writing Discover,PO Box 30943,Sah Lake City,UT "payment in full"or with any other restrictive endorsement without losing 841344943.You agree to assist us in determining the fads 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 Billing 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 debit or credit balance,unless investigation. we waive our right to do so as permitted by law.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 or fees and the payments or other credits posted to your advance credit line.We may also impose a lower line that will apply to Account during the billing period.It will show your New Balance,Payment balance transfers,referred to as the balance transfer credit tine.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 credit line.if you exceed your Account credit 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 S. Account credit line. Monthly Payment Options.You may at any time pay the entire New We may increase or decrease your Account credit line,your cash advance Balance shown on your billing statement,but each month you must pay at credit line or your balance transfer credit line without notice.The credit least the Minimum Payment Due as described 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 credit line.for purposes of determining your available credit,we reserve stated on your monthly billing 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 credit your Account in accordance balances by the amount of any payment that we receive.Your available with those terns and this section.Payments received in proper form at our credit will not be increased by the amount of any credit balance. processing facility by 5PM local time on any day will be credited as of that CHANGES TO THIS AGREEMENT day.Payments received in proper form at our processing facility after 5PM local time will be credited as of the next day. From time to time,we may,to the extent permitted by law,change any Automatic Billing Arrangements H your Account number and/or Card tens of this Agreement including,but not limited to,any interest rate,fee or method of computing any balance upon which the interest rate is expiration date changes and our records indicate you have automatic assessed,or add or delete any temp to this Agreement We will give you billing established with a merchant merchant. will attempt to provide your new notice of the change in the time and manner required by law,which Account information u ver fy the er ensure uninterrupted bitting, nt includes 45days advance written notice in some circumstances. In recommend that you verify the merchant has your new Account wits offer you the opportunity information.You must contact the merchant directly if you do not wish to addition,to the extent required by law,we continue the automatic billing arrangement. to reject a change.for example,law requires,with certain exceptiom that we offer you the opportunity to reject an increase in a late fee or the Now We Apply Payments.We apply payments and credits at our discretion, elimination of a grace period prior to the effective date of the change.If including in a manner most favorable or convenient for us.In all cases,we you reject a change in accordance with the instructions in the notice will apply payments and credits in accordance with applicable law.Each provided,we will dose your Account and you will no longer be able to use billing period,to the extent your payments exceed the Minimum Payment it for further transactions.You can then pay the remaining balance under Due shown on your current billing statement,we will apply these excess the unchanged temp.We may also change any term of any product,service amounts generally in order of the APR applicable to the balance of each or benefit offered In connection with your Account We will notify you as transaction category(as referenced in the INTEREST CHARGES section), required by law or by the terms 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 credit your payment,for promotional balances with the same APR,we will apply payments to the promotional balance with the Promise to Pay.You agree to pay us in U.S.dollars for all purchases,cash longest remaining duration before promotional balances with shorter advances and balance transfers including applicable Interest Charges and remaining durations. 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_ _5_ _— ( IlDCM0_0280K_TC23AGO211_00083.knOd 7-8 1111111 8:41 AM( — i 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 Account after the dose of the billing period in which it •$40; 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$20; transaction category with the exception of Cash Advance Fees which are (i)any past due amount. added to the applicable cash advance transaction category and Balance We may also include some or all the amount by which you exceed your �nsfoerfeeswhichareaddedtotheapplicable balancetransfertransaction Account credit line.When we calculate the Minimum Payment Due,we an ry may subtract from the New Balance certain fees added to your Account Balance s ate.ttshows this for each transaction category.The Balance during the billing period.The Minimum Payment Due will be rounded up Interest Rate. h shows this for each transaction category.The Balance 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 a Minimum Payment Due and will notify you when this option is available. and fees Interest We begin to impose Interest Charges on all transactions If you take advantage of this offer and do not make a Minimum Payment and feeson or Transaction Date shown on your billing statement for ythe Due,Interest Charges and any applicable fees will accrue on your Account transaction or fee.However, it a transaction hi fee is posted to your in accordance with this Agreement and you must pay the Minimum Account after the dose of the billing period in which it occurs,t d begin to Payment Due for the following billing periods. impose Interest Charges on that transaction or fee from the first day of the billing period in which it is posted to your Account We begin to impose Credit Balances.We will refund any 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.If 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$1 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 dose of each billing period except that Pay-By-Phone.We may from time to time allow you to make payments by it will be at least 23 days after the dose 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. by 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(including on the current billing statement or any portion of a new purchase,paid by current transactions):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 cash •o t calculate our Interest Charges separately for each balance Subject to advances.As more fully described in the section titled"How We Apply different terms(for example,standard purchases,or standard cash advances Payments,'we apply payments in a manner most favorable or convenient P P for us and,to the extent your payments exceed the Minimum Payment Due and each purchase,balance transfer and cash advance balance subject to shown on your current billing statement we will apply such excess amounts promotional terms).We refer to these balances as transaction categories. generally in order of the APR applicable to the balance of each transaction •We figure the"daily balance"for each transaction category.To get the category(as referenced in the INTEREST CHARGES section),from highest to 'daily balance"we takethe beginning balance for each day,add any new lowest,beginning with the balance subject to the highest APR as of the transactions and fees and any Interest Charges accrued on the previous date we credit your payment.This means that if 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(including 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 daily balance"to have Annual Percentage Rates.The daily periodic rate and corresponding APR been your balance on the last day of your previous 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 1/365th of the corresponding APR. •We figure the Interest Charges on your Account by multiplying the daily Variable Interest Rates.One or more daily periodic rates and corresponding balance for each transaction category by its daily periodic rate,for each APRs that apply to a transaction category may be variable rates as 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 daily Variable 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 Pricing Schedule as"Prime+ billing period. (percentage points)."For purposes of this Agreement the Prime Rate is the _6_ .7. 11DCM0_0280K-TL23AG0211_00083.fndd 9.10 1 1/11/11 9:61 AM 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 Currency 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 currency. If you have a variable rate,your APR will increase 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 S.50 for any billing period in which Interest Charges of less than 5.50 day ofthe billing period that begins during the same calendarmonthasthe would otherwise be imposed. change in the Prime Rate.An increase in the APR may increase your Annual Fee.If your Pricing Schedule accompanying your Card includes an Minimum Payment Due. Annual Fee,we will charge you an Annual Fee in the amount indicated.We Penalty APR.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 with 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 by law. and balance transfers;and Late Fee.We will charge you a late Fee if you have failed,as of the Payment (i)increase your APRs for new purchases and balance transfers to variable Due Date,to make the Minimum Payment Duethat was required to be paid Penalty APRs. for that billing period.The amount of the Late Fee 1s$25,except the Each new variable Penatyy APR 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$35.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 2.99%and the which the Late Fee was assessed and will never exceed the amount rate for other purchases was 15.99%and you paid late once,the rate for all permitted by law. new purchases could increase up to 20.99%variable and vary thereafter Returned Payment Fee.We will charge you a Returned Payment Fee any with 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 if a debit transaction to a deposit account from The variable Penalty APRs are determined in accordance with the Variable which you have authorized us in writing,electronically or orally,to deduct Interest Ratessection.Wewill base your PenahyAPRonyourcreditworthiness all or a part of an amount you owe us under this Agreement is returned and other factors such as your current APRs and your Account history.If 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 if it is paid upon resubmission.The amount of the fee is S25, accordance with applicable law,advising of()the date the new Penalty except the amount of any subsequent Returned Payment Fee assessed APR will apply(the"Penalty APR Effective Date")and(i)the new purchases during the next six billing periods after a Returned Payment Fee is assessed and balance transfersto which it will be applied(note:the new Penalty APR isS 35.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 immediately prior to the date on which the payment was transfers are those purchases and balance transfers which either()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 Returned Discover Card Check Fee.We will charge you a Returned Discover fourteen days after we mail or deliver the notice 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, promotional purchase check, or other will not be subject to a Penalty APR for the first twelve billing periods after promotional check.The amount of the fee is$25,except the amount of any your Account is first opened. subsequent Returned Discover Card Check Fee assessed during the next six If your APR for purchases or balance transfers was increased to a Penalty billing periods after a Returned Discover Card Check Fee is assessed is$35. 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 if 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 Research Fee.We may charge you a Research Fee of$5 for each co pyy of a higher than your previous standard APRs for purchases and/or balance billing statement or sales slip that you request.However,we willnotcharge transfers 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 default if you become insolvent;if you file a will charge you a Cash Advance Fee in the amount indicated on your Pricing bankruptcy petition or have one filed against you;if we have a reasonable Schedule.All forms of cash advances,including the use of Discover Card belief that you are unable or unwilling to repay your obligations to us;if checks,regardless of the purpose for which 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;if you die;if you fail to comply with Balance Transfer Fee.Unless otherwise specified in a balance transfer offer, the terms of this Agreement,including failing to make a required payment we will charge you a Balance Tra nsfer Fee of 5%of the amount of each new B 9 11DCM0_0280K_TL23AG0211_00083.indd 11.12 1/11/11 9:41 AM when due,exceeding your Account credit fine or using your Card or Releasing Information About Your Account.We provide various methods Account for a Prohibited Transaction;or if 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 Default.If you are in default 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 addition to as provided in our Privacy Policy or as we refer the collection of your Account to an attorney or employ an required by law.Our security measures cannot insure against unauthorized attorney to represent us with 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 attomeys'fees and court or other collection information to anyone who, even if without your authorization or costs as permitted by law and as actually incurred by us,including fees and permission,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 as your personal identification 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 notices from us electronically 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 14MISCOVER terms and conditions for receiving these electronic communications will be (14M347-2683),or by writing Discover,PO Box 30943,Saft lake City,UT described in the offer. 84130-0943.Of course,you will still be responsible to pay any amount you Notices—Changes to Your Information.If you change your email address, owe us according to the terms of this Agreement.If 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 141MDISCOVER(1.800-347-2683)or by writing Discover,PO of this Agreement.We may cancel or suspend your Account at any time Box 30943,Salt Lake City,UT 84130-0943.If your Account is a joint Account without 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 Cardmembem return arty Card or unused checks to us upon request. CLAIMS AND DISPUTES PRIVACY AND OUR COMMUNICATIONS WITH YOU Merchant Disputes.We are not responsible for the refusal of anyone to Our Privacy Polity. We may from time to time review your credit accept or honor a card or to accept checks that we have provided you.If a employment and income records.We respect the privacy of information merchant faits 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.If we personal information we collect when it may be shared with others,how resolve the dispute in your favor,we will issue a credit to your Account and we safeguard the confidentiality and security of information and the steps you will be deemed to have assigned to us your claim against the merchant you may take to limit our sharing of such information with others.Please and/or any third party for the credited amount.Upon our request you read 0 carefully as it is 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 credit reporting agencies and other creditors the status relates to your Account, arty prior account you had with us, your and payment history ofyourAccount,including negative credit information. application, the relationships which result from your Account or the Late payments,missed payments or other default on your Account may be enforceability of the Agreement or any prior agreement,before initiating, reflected in your credit report.We normally report to such credit reporting joining or participating in any judicial or arbitration proceeding,as either agencies each month,if you believe that our report of your Account status an individual litigant or member of a class("Proceeding"),the complaining is 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 Box 15316,Wilmington,DE 19850-5316.Please include your Notice"),at least 15 days before initiating any Proceeding,explaining in name,address,home telephone number and Account number. reasonable detail the nature of the claim and any supporting facts;and(2) Our Communications with You.You agree that our personnel may listen to a reasonable good faith opportunity to resolve the claim without the or record telephone calls between you and our representatives without necessity of a Proceeding.This includes and claims involving our parer additional notice to you,including but not limited to calls we make to corporation, subsidiaries, affiliates (including, without limitation, DFS collect debts.We may use any medium permitted by law,including but not Services LLC), predecessors,successors,assigns,as well as the officers, limited to mail,live telephone calls,automated telephone equipment directors and employees of each of these entities.Any Claim Notice shall be prerecorded telephone calls,e-mail,text messages and calls to your cell sent to us at Discover,PO Box 3024,New Albany,OH 43054(or 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 Notice services that may be of value to you.If you prefer not to be contacted in Address")or to you at your address appearing in our records or,if you are one or more of these ways,you must eithertelephone us at 1.W"ISCOVER represented by counsel,to your attorney at your attorney's office. (1-800.347-2683)or write to us at Discover,PO Box 30961,Sah Lake City,UT Arbitration of Disputes.Agreement to arbitrate.in the event of any past, 84130-0961. -10- 11MM0_02BOK_TL23A44211_00003.tndd 13.14 1111111 9:41 AM I - present or future claim or dispute(whether based upon contract,tort, to pursue a claim or dispute as a result of our electing to arbitrate that claim Mute,common law or equity) between you and us arising from or or dispute.Send requests to Discover,PO Box 30421,Sak Lake City,UT relating to your Account any prior account you have had with us,your $4130-0421.The arbitrator will decide who will ultimately be responsible application,the relationships which result from your Account or the for paying those fees.You will only be responsible for paying or reimbursing enforceability or scope of this arbitration provision,of the Agreement or of our arbitration 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 DISCOVERY arbitration proceeding where such a payment or reimbursement is RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED.NEITHER prohibited by applicable law. YOU NOR WE SHALL BE ENTITLED TO JOiN OR CONSOLIDATE CLAIMS IN Hearings and Deasiont 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 ARBITRATE ANY CLAIMS AS applicable substantive law to the extent consistent with the FAA and A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY applicable statutes of limitations and shall honor claims of privilege GENERAL CAPACITY('Class Action Waiver'). recognized at law and shall be authorized to award all remedies permitted Notwithstanding anything 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 arbitrator,shall determine the validity and effect court If requested by any party,the arbitrator shall write an opinion of the Gass Action Waiver.Even if all parties have opted to litigate a claim containing the reasons for the award.The arbitrator's decision will be final in court,you or we may elect arbitration with respect to any claim made by and binding except for any appeal rights under the FAA and except that if a new party or any new claims later asserted in that lawsuit and nothing the amount in controversy exceeds$100,000,any party may appeal the undertaken therein shall constitute a waiver of any rights under this award within 30 days to a three-arbitrator panel,which shall review the arbitration provision.We will not invoke our right to arbitrate 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 if any, party will pay the cost of the appeal,regardless of its outcome.However, unless such action is transferred,removed or appealed to a different court we will consider in good faith 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 Act(FAA).The Wth the appeal.Judgment upon arty award by the arbitrator may be arbitration shall be conducted, at the option of whoever files the enforced in any court having jurisdiction, arbitration dairy by either the American Arbitration Association(AAA)or Other Beneficiaries of this Provision.Our rights and obligations under this JAMS in accordance with their procedures in effect when the claim is filed. arbitration provision shall inure to the benefit of and be binding upon our For a copy of their procedures,to file a claim or for other information, parent corporations,subsidiaries,affiliates(including,without limitation, contact AAA at 335 Madison Ave.,Floor 10,New York,NY 10017.5905, DFS Services LLC),predecessors,successors,assigns,as well as the offKers, www.adr.org(phone 1.800-77 8-7879)or JAMS at 620 Eighth Ave.,Floor 34, directors and employees of each of these entities,and will also inure to the New York,NY 10018,www.jamsadr.com(phone 1.8003523267).No other benefit of any third party named as a codefendant with us or with any of arbitration forum will be permitted,except as agreed to pursuant to either the foregoing in a claim which is subject to this arbitration provision.Your the Changes to this Agreement section or a writing signed by both parties. rights and obligations under this arbitration provision shall inure to the If neither AAA nor JAMS is able or willing to serve as the arbitration benefit of and be binding 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. administrator or arbitrator,then a court of competent jurisdiction will Survival ofthis Piovision.This arbitration provision shall survive termination appoint an administrator or arbitrator or arbitrators(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 bankruptcy by you to by all parties,no arbitration may be administered by any administrator and any sale by us of your Account. or arbitrated by any arbitrator that has any formal or informal policy,rule Right to Reject Arbitration.You may reject the Arbitration of Disputes or procedure that is inconsistent with or purports to override the terms of section by providing us a notice of rejection within 30 days after receiving this section.If we elect to resolve a claim or dispute by binding arbitration a lard,at the following address:Discover,PO Box 30938,Sak Lake City,UT and the arbitrator issues an award in your favor on a claim or claims with 84130-0938.if you were previously subject to arbitration with respect to any respect to which you would not otherwise be entitled to recover your account with us,this right to reject arbitration will not apply to you.Your arbitration filing,administrative and hearing fees,reasonable attorneys' rejection notice must include your name, address, telephone number, fees andfor other arbitration costs,we will be responsible for paying or Account number and signature and must not be sent with any other reimbursing such costs and fees if awarded by the arbitrator. correspondence.Calling us to indicate that you reject the Arbitration of Fees and Cosh At your written request we will advance any arbitration Disputes section or sending a rejection notice in a manner or format that filing,administrative and hearing fees which you would be required to pay does not comply with all applicable requirements is insufficient notice.in 1z_ _13_ 110CMO_02BOtC_TL23AGO211_00083.{ndd 1$-16 1111111 9;41 AM order to process your notice,we require that the notice be provided b you You must contact us: directly and not through a third party.Rejection of arbitration va 1 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 stop payment on the amount you think is wrong. 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 You must notify us of any potential errors in writing.You may call us,but H 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 notice with respect to that prior account. have to pay the amount in question. LEGAL INTERPRETATION OF THIS AGREEMENT What Will Happen After We Receive Your letter Severability.If any part of this Agreement becomes unenforceable,it will When we receive your letter,we must do two things: not make any other part unenforceable,except that'd the(lass Action 1.Within 30 days of receiving your letter,we must tell you that we received Waiver set forth above in the Arbitration 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 Arbitration 2.Within 90 days of receiving your letter,we must either correct the error of Disputes section will be void with respect to that proceeding. or explain to you why we believe the bill is correct. Compliance with Interest Rate Umitations.We intend that this Agreement While we investigate whether or not there has been an error: will comply with applicable interest rate limitations.You will not be -We cannot try to collect 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.If it is ever finally determined that,but for this section,the Interest Charges or 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 against your credit limit of a check in our discretion. After we finish our investigation,one of two things will happen: Governing Law.This Agreement and any claim or dispute arising out of •If we made a mistake:You will not have to pay the amount in question or this Agreement will be governed by applicable federal law and,to the any interest or other fees related to that amount. extent state law applies,Delaware law. ASSIGNMENT OF ACCOUNT 'If we do not believe there wata 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 or transfer your Account or any portion thereof without statement of the amount you owe and the date payment is due.We may notice to you.You may not sell,assign or transfer your Account without fiat then report you as delinquent if you do not pay the amount we think you obtaining our prior written consent. owe. If you receive our explanation but still believe your bill is wrong,you must write to us within 10 days telling us that you still refuse to pay.If you do so, Your Billing Rights., we cannot report you as delinquent without 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 tells you about your rights and our responsibilities under the when the matter has been settled between us. Fair Credit Billing Act If we do not follow all of the rules above,you do not have to pay the first What To Do If You rind A Mistake On YourStatemeM $50 of the amount you question even if your bill is correct If you think there is an error on your statement,write to us at Your Righti If You Are Dissatisfied With Your C Jit Card Pur h Discover If you are dissatisfied with the goods or services that you have purchased PO Box 30421 with your credit card,and you have tried in good faith to correct the Sait Lake Cit)4 UT 84130-0421. problem with the merchant you may have the right not to pay the In your letter,give us the following information: remaining amount due on the purchase. • To use this right,all of the following must be true: Account information:Your name and account number. •Dollar amount:The dollar amount of the suspected 1.The purchase must have been made in your home state or within 100 I>� error. miles of your current mailing address,and the purchase price must have •DDescri on of problem:If you think there is an error on your bill,describe been more than $50. (Note: Neither of these are necessary if your what you believe 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 company that sold you the goods or services.) -14- 15- 11DCM0 02BOK_TL23AG0211_00083.indd 17-18 1111111 8:41 AM i 2.You must have used your credit card for the purchase.Purchases made DEFINITIONS: with cash advances from an ATM or with a check that accesses your credit Accident or 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 Accidental Bodily Iniurvfrest means bodily injury which is Accidental,is the purchase,contact us in writing at direct source of a Loss,4 independent of disease,illness or other cause and Discover occurs while this policy is in force. PO Box 30945 Accoun means a Card account Salt 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 apply 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 credit card. Company means the Federal Insurance Company. DESCRIPTION OF COVERAGE Cometed7d means travel on a Scheduled Aircraft when the entire cost of SCHEDULED AIR TRAVEL ACCIDENT INSURANCE the passenger fare for such transportation,less redeemable certificates, vouchers or coupons,has been charged to the Insured Person's Account. Discoverm Cardmembers are provided with$500,000 Scheduled Air Travel Dependent Child or Childre n means those children,including adopted 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 Person 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;(2)beyond arising from and occurring on a Covered Trip while you,your Spouse, the age of 19,permanently mentally or physically challenged and incapable Domestic Partner or eligible Dependent Children for whom a ticket was of self support;or(3)under the age of 25 and classified 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 struck by a Scheduled Aircraft or a conveyance operated by a military 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 conveyance licensed to carrythe public fora fee and while traveling directly by blood;(3)has exclusively lived 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 with the Insured Person at least immediately following 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 vehicle or *Coverage is underwritten 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 exclusions apply. Domestic Partner can be married to,nor in a civil union with,anyone else. PLAN FEATURES Hazard means the covered circumstances for which this insurance is THE BENEFITS:The full Benefit Amount(SS00,000)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. MAXIMUM LIMIT OF INSURANCE:If more than one Insured Person suffers Insured Person means all Cardmembers,their spouses,Domestic Partners a Loss in the same Accident the Company will not pay more than the and Dependent Children,as well as authorized users of the Account. maximum limit of insurance($20,000,000)per Accident.If an Accident igg means the Loss of Life. results in Benefit Amounts becoming payable,which when totaled,exceed Lon of Ufe means death,including clinical death determined by the local the applicable limit of insurance shown above,the maximum limit of governing medical authorities. insurance will be divided proportionally among the Insured Persons,based PoliQdiold er means DFS Services LLC,the entity responsible for the payment on each applicable Benefit Amount In the event of multiple Accidental of premium. 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 Scheduled Aircraft means an aircraft owned anchor operated by a two times the applicable Benefit Amount for Loss of Life.Benefits will be Scheduled Airline. proportionately divided among the Insured Persons up to the maximum Scheduled Aidine means an airline which is either of United States registry limit of insurance. and certified by the United States government to carry passengers on a -t6- -17- 11DCM0_02801k_TL23AG0211_00083.lndd 19.20 1/11/11 9:41 AM I - regularly scheduled basis or 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 authority. 90 days after the occurrence of any Loss covered by this policy or as soon as War 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 hostilities between two countries or(2) armed,open and possible. continuous hostilities 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 she of the area of hostility. will send you forms for giving proof of Loss to us within 15 days.If you do DISAPPEARANCE BENEFITS:9 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 as an occupant it will be assumed,subject to all otherterms of the within 90 days after the date of Loss,or as soon as reasonably possible. policy,that the Insured Person has suffered Loss of Life covered under this Failure to give complete proof of Loss within these time frames will not policy. invalidate any otherwise valid claim if notice is given as soon as reasonably EXPOSURE BENEFITS:Accident includes unavoidable exposure to elements possible and in no event later than one year after the deadline to submit arising from a covered Hazard. complete proof of Loss. ELIGIBILITY:This insurance plan is provided to Insured Persons automatically CLAIM 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.It is received and if you,the Policyholder and/or 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, 2001;or 2)the date you become an eligible arbitration.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 arbitrators 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 arbitrator be submitted to the American COST:This insurance plan is provided at no additional 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 BENEFICIARY:The Loss of Life benefit will be paid to the beneficiary SERVICE CENTER AT 1.800-CLAIMS-0(1.800.252.4670). designated by you.If no such designation has been made,that benefit will You can also go to the Company Web site(www.chubb.com),dick on be paid to the first surviving beneficiary in the following order.a)your Report a Loss, select Accident, Benefits and Life 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. beneficiary,you may request a beneficiary designation form by writing to Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES the plan administrator at The Direct Marketing Group,Inc,13265 Bedford CLAIMS SERVICE CENTER Avenue,Omaha,NE 68164 or at Beneficiaryrequest @TheDirectMG.com. 600 INDEPENDENCE 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 Policyholder or any aircraft Fax Number. 1.800-300-2538 owned,leased or operated by an employee of the Policyholder on behalf As a handy reference guide,please read this and keep it in a safe place with of the Policyholder(this exclusion does not apply to aircraft chartered with your other insurance documents.This description of coverage is not a pilot or crew on one time charter basis),(2)an accident while an Insured contract of insurance but is a summary of the principal provisions of the Person is in,entering,or exiting any aircraft while acting or training as a insurance while in effect.Complete policy provisions are contained in the pilot or crew member(this exclusion does not apply to passengers who Master Policy,which can be obtained from the Policyholder: temporarily perform pilot or crew functions in a life threatening Policy#9906.18-06 emergency); (3)emotional trauma, mental or physical illness, disease, Policy Underwritten By Plan Administrator pregnancy,childbirth or miscarriage,bacterial or viral infection,or bodily Federal Insurance Company The Direct Marketing Group,Inc malfunctions(except bacterial infection caused by an Accident or from a member insurer of the 13265 Bedford Avenue Accidental consumption of a substance contaminated by bacteria);(4) Chubb Group of Insurance Companies Omaha,NE 68164 suicide,attempted suicide or Loss that is intentionally self-inflicted;or(5) 15 Mountain View Road,PO Box 1615 declared or undeclared War. Warren,NJ 07061-1651 18- -i9- 11DCM0_0280K_TL23AG0211_00083.indd 21.22 1111/11 8:41 AM DESCRIPTION OF COVERAGE subject to all the terms of the Policy,the Company agrees to reimburse on SECONDARY RENTAL CAR COLLISION COVERAGE an Actual Cash Value basis either the Insured or the Rental Agency for Discovery Cardmembers can benefit from the security and safety offered repair or replacement of the Rented Automobile as a result of Collision through Excess Collision Damage Waiver.If you rent a vehicle for 31 Damage to the Rented Automobile.The Company's liability will be for consecutive days or less(or 45 days under certain circumstances described maximum reimbursements acctualltuall 0.In no event will the Company be below)with your Card(as defined below),you may be eligible for benefits liable beyond the amounts y paid by the Insured or the Rental Agency. under this coverage. Excess Collision Damage Waiver is an insurance program,underwritten by Federal Insurance Company Policy#9906-17-63 •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 DEFINITIONS: cover your deductible and any other eligible amounts 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.It does not cover you for any Automobile at the time of loss,less depreciation. damages to other vehicles or property.It does not cover you for any injury Cardmern means the holder of the Card whose name appears on the to any party. credit card. WHO IS COVERED: Cr means the Discover Card. •Discover Cardmembers Collision 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 limited edition motor vehicles;trucks;recreational Damage does not include loss caused by missiles,falling objects,fire,theft vehicles,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 vandalism,riot or civil commotion. value motor vehicles are motor vehicles whose replacement value exceeds Comoanv means the Federal Insurance Company. $50,000,and antique motor vehicles are defined as any vehicle over 25 insured means Cardmembers and authorized users of the Account. years old,or any vehicle which has not been manufactured for 10 years or PoliQtolde r means DFS Services LLC,the entity responsible for the payment more. of premium. WHERE YOU ARE COVERED. Rental Men means a commercial automobile rental company licensed •Coverage applies to vehicles rented anywhere in the world. under the laws of the applicable jurisdiction. •Coverage is not available where prohibited by law. Rented Automobile means a four-wheeled private passenger type motor WHAT IS NOT COVERED: vehicle or a minivan manufactured and designed to transport a maximum Coverage does not apply to loss resulting from the following: of seven passengers and used excursively to carry passengers.A Rented .Any dishonest,fraudulent or criminal ad of the Insured. Automobile must be designed for travel on public roads and rented from Rental Agency. •Forgery by the Insured. TO GET COVERAGE: •Loss due to war or confiscation by authorities. •The Collision Damage Waiver Coverage is provided to you,as an Insured, •Loss due to nuclear reaction or radioactive contamination. automatically when the entire rental fee for the Rented Automobile is •The Insured being intoxicated,as defined by the laws of the jurisdiction charged or debited to your Account.It 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 is 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 Loss/Damage 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 by the terms 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. agreementkontract. •Intentional damage to the Rented Automobile by the Insured. •The coverage period will not exceed 31 consecutive days, or 45 •Damage which is due and confined to wear and tear,freezing,mechanical consecutive days if the Insured is an employee of an organization which or electrical breakdown or failure. has provided a Card to the Insured for business use. •Damage to tires unless the loss is coincident with 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 or located in any territory prohibited by the terms of the Rental Agreement. -20- -21- 11DCM0_02BOK-TL23AG0211_00083.indd 23-24 1111111 9:41 AM i 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 is insurance coverage will not exceed 31 consecutive days,or 45 consecutive not a contract of insurance but is simply an informative statement to days 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 will be excess over any other valid and collectible insurance the master policy on file with DFS Services LLC,herein referred to as the covering the Rented Automobile.However,the insurance provided under Policyholder.If a statement in this Summary of Coverage and any provision this plan may be primary if specifically provided for under the terms of this in the policy differ,the policy will govern. plan and if the following criteria is met:(a)the Rented Automobile is Policy 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. 15 Mountain View Road,PO Box 1615 HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: Warren,NJ 07061.1651 In the event of a claim,written or verbal notice must be provided as soon Master Policy Number.9906-17-63 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 1.800-CLAIMS-0(1-800.252-0670). prior disclosures,program descriptions,advertising,and/or brochures by You can also go to the Company Web site(www.chubb.com),dick 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: CHUBB GROUP OF INSURANCE COMPANIES Cardmembers.If Policyholder does cancel these benefits,you will be CLAIMS SERVICE CENTER notified at least 60 days in advance.If the Company terminates,cancels, 600 INDEPENDENCE 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 23327-4700 any benefits you were eligible for prior to the date of such terminations, Fax Number. 14800.300.2538 cancellation,or non-renewal,subject to the terms and conditions of CLAIM PROCEDURE: coverage. The Insured must send the Companywritten notice of a claim,including the Benefits to you:These benefits apply only to Cardmembers whose cards are issued by U.S.financial institutions.The United States is defined as 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 the 50 United States,the District la Columbia,American Samoa,Puerto as reasonably possible.To file a swom Proof of Loss,the Insured must send Rico,Guam and the U.S.Virgin Islands. qu person or entity other than the following information to the Comparry or its authorized representative: the Ca insurance pr shall have any legal ag equitable right,remedy,or claim for insurance proceeds and/or 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 police report cancelled subject to the terms and conditions of coverage of your •A copy of the initial claim report submitted to the automobile Rental Cardmember Agreement. Agency. Transfer of rights or benefits:No rights or benefits provided under these Agency insurance benefits may be assigned without the prior written consent of •A copy of the paid claim presented by the automobile Rental Agen the Company. the Collision Damage for which the Insured is responsible. •Proof of submission of the lass to,and the results of any settlement or Misrepresentation and Fraud:Coverage of the Insured will be void if,at denial by the applicable insurance carrier(s). any time,the Insured has concealed r misrepresented any material fact •If no other insurance is applicable,a notarized statementfrom the Insured in circumstance concerning this coverage or the subject thereof ea the PP interest of the Insured herein,or in case of any fraud or false swearing to that effect. by the Insured relating thereto. Reminder.Please refer to the Insurance Disclosures section. Coverage for an Insured will be void if,whether before or after a loss, -22- -23- 11DCM0_02BOK_TL23AG0211_00083.Indd 25-26 1/11/11 9:41 AM 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 be automatically 1.801.902-3100.While AXA Assistance will make every reasonable effort insured under this Policy, 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 riot provided or for any Insured and the Policyholder,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 subject 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 Benefit to Others:This coverage will in no way inure directly or indirectly to the benefit of any insurer,person or organization or other bailee. Subrogation:It is a condition of this insurance that if the Company pays the Insured for a loss,it will require the Insured to assign and transfer any claim or right of action against any individual,firm or corporation for such loss to the Company or subrogate or hold in trust all such rights to the extent of the amount paid.The Insured will agree to take action as requested by the Company to enforce such rights.Upon payment by the Company to the Insured,the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration:In the event of a dispute under this policy, either the Company or the Insured may make a written demand for arbitration.In that case,the Company and the Insured will each select an arbitrator. The two 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 Travelers Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. R is operated by AXA Assistance USA,Inc.Visit Discovercard.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- -25- 11DCM0_02BOK-TL23AG0211_00083.indd 27-28 1/11/11 9:41 AM EXHIBIT "B" ®ISCi« New Balance Minimum Payment Due Account Number ending in 4821 it Eff $7,236.48 ! $143.00 Enter Amount Enclosed Below Payment Due Date August 13,2010 Pay online at www.Discover.com or make check payable to Discover. Phone and intemst payments must be made by 5:00pm ET for same 18 SDSN6A01 0004968 day posting, FRANK H MORGAN JR Text APP to DISCOV"to receive a link to our PO BOX 1392 free mobile app and pay your bill in seconds from anywhere! BRYN MAWR PA 19010-7392 PO Box 71084 1fL�rll�rr���ItL�Lr��lil CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? III 11111,furfrllnrfu III rufflfnrinlulr,Ifufr,III frfull Go to www.Discover.com or print change in space above. 000001986458226973978072364800000000014300 Opening Date: June 19,2010- Closing Bate: July 18,2010 page 1 of 3 Discover More Card Account Summary Payment Information New Balance $7,236.48 Minimum Payment Due $143.00 Account number ending in 4821 Payment Due Date August 13,2010 Previous Balance $7,307.74 Late Payment Warning:If we do not receive your minimum Payments And Credits - 300.00 payment by the date listed above,you may have to pay a late Purchases + 121.80 fee of up to$39.00 and your purchase APRs for new Balance Transfers + 0.00 transactions may be increased up to the Penalty APR of Cash Advances + 0.00 21.24%variable. Interest Charged + 106.94 Fees Charged + 0.00 Minimum Payment Waming:If you make only the minimum New Balance $7,236,48 payment each period,you will pay more in interest and it will See Interest Charge Calculation section Following take you longer to pay off your balance.For example: transactions for detailed APR information fE:°a >tti41do€" >?:?<: •.Y.;:.;..:;;:::.;:.::..:::>::..::.::,,.;:Yauj±'cH'''.a'ctf>;`< Aitd illl<> t € t'ay. Ya Credit Line acidttlar<aJ charges fha balans shotyii u ita urf $13,400.00 A f PY 9 Credit Line Available $6,163.00 cliilrtq this card and on.thts 5t61emezEatirtlCted 16ta1 AF Cash Advance Credit Line ecteltrtOnth yotr pay �a abaut $5,700.00 Cash Advance Credit Line Available $3,957.00 Only the minimum 41 years $34,466 You may be able to avoid Interest Charges,see Additional payment Important Information for details. $261 3 years 9,380 Savings=$25,086) Cashback Bonus® If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. April Opening Cashback Bonus Balance $ 19.87 New Cashback Bonus This Period + 0.30 Cashback Bonus Balance $ 20.17 To learn more,log in of 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 Access Free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800.347.26831. to pay down your balance,securely access statements,pay Please have your Discoverm card available. bills online and easily track al!transactions 3. Write to us at Discover,PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth more SM—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(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347-7449. Transactions Trans. Post Date Date Payments and Credits Jul 10 Jul 10 PHONE PAYMENT-THANK YOU $ -300,00 Merchandise Jul 12 Jul 12 AOL*SERVICE 800.827-6364 NY $ 5).80 Travel/Entertainment Jun 29 Jun 29 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 Jul 5 Jul 5 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER i I Paperless statements mean less clutter.. more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. I • Print a paper copy of your statement anytime. i • Sign up today at Discovercom/paperless (N010 Discover Bcn$,Member FDIC PAPER.0310 O Transactions Trans. Post Z (cont.) Data Date a 0 0 Interest Charged INTEREST CHARGE ON PURCHASES $ 72.77 INTEREST CHARGE ON CASH ADVANCES 34.17 °J INTEREST CHARGE ON BALANCE TRANSFERS 0.00 V TOTAL INTEREST FOR THIS PERIOD 106.94 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 709.93 Questions? Visit www.Discover.com or call 1-800-DISCOVER(1-800-347-2683). DISCOVER ®4SC�+ It pays to FRANK H MORGAN JR �"'"EIZ _..D1.SC V i�...__ Account number ending in 4821 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 AANNU(AALL�PERCENTAGE NTERECT SUBJECT TO INTEREST CHARGE RATE Purchases 16.24% V $5,452.02 $72.77 Cash Advances 22.24% V $1,869.36 $34.17 V-Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cords. 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,write to us at: Discover,PO Box 30421,Salt lake City,UT 84130-0,421, In your letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. Descri lion of.Probl : If you think.there:s an error on your bill,describe what you believe is wrong and why you believe it is a mists ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors 1 n writin . You may call us,but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error,the following are true: We cannot try to 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 intereston 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. Yqur 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 cord,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current moiling 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,*'ou are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Soft Lake City,UT 84130.0945 While we investigate,the some rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may ay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the I�ayment 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 am 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 d elayed .f you send cash,correspondence or other items with your payment,if you send the payment to an other address or iFyou 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 aker 5PM local time wiEl be credited io your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 601976103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER .._... .... _ ._..-.. You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring po merit date(e. .,the 151h da of the month)that occurs before your Payment Due Date, If your scheduled payment date falls an a weekend or bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,you will need this statement and your bank account information. You will be asked to provide the last Four(4�digits of fhe social security number of the primary borrower. By providing those numbers as your eEectronic signotvre,ybv will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize,in the dmounfi selected by you,From your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable, o correct an error in fhe processing of such payment. You can cancel a scheduled payment by phone at 1-800 347-2683 or by mail at Discover,PO Box 3042],Solt Lake City,UT$4130-042 1;however we must receive notice at least throe business days in advance of fhe scheduled payment. If your payments may vary in amount, we wiEl toll you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient Funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(Q statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Duo as listed on your monthly billin statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due,If fhe scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.tF your scheduled payment is greater than the New Balance an your billing sto-ement,that payment will be processed only for the amount of your New Balance,Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ rn Bank Routing#: Bank Account#: Frequency: z Credit Repotting.We may report information about your Account to credit bureaus. Late payments,missed payments,or other defaults an your Account may be reflected in your eredit report. We normally report fhe status and payment history of your Account to credit reparting agencies each month. 1f ou believe that our re orf is inaccurate or incomplete,please write us at the following address: discover,PO Box 15316,W Imington,DE 198565316. Please indicate your name,address, home telephone number and Account numbers Paying Interest:We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. V s continuo to impose Interest Charges until tfte date you pay your entire hlew Balance shown on your billing statement by makin payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Duo ate shown on that billing statement,we will not impose Interest Charges on now purchases, that is,purchases first a peering on the current billing statement,or and portion at a new purchase,paid by kho Payment due Date on your current billing statement. We call this the"grace period. It is net less than 25 do s.'There is no grace period on balance transfers or cash advances. As morn fully described In the suction of your Cardmember Agreement fitted"'How We Apply Payments,"we generally apply payments to your Account based on fhe APR applicable to tfie balance of each transaction category. This means that iE you do not pay the Nuw Salancu on the current billing statement by the Payment Due Date shown on that billing statement,than,depending on fhe amount of your payment and the APRs on other balances,you may not got a grace period on now purchases. Annual Fee.If your Account has an annual Fee,it will be billed at the beginninq of each anniversary year our Account is open. The amount of the fee appears on the statement when*e fee is billed. the annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period, Haw 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 trarsoction categories, We figure the"daily balance"for each transaction category. To get the"daily balance"we take the beginning balance for each do, 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 calculoting the daily balance for the first day of the biffing period,we consider the"previous day's daily balance"to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period, When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is pasted to your Account after rho close of rho billing period in which it occurs,in which case the transaction will be added to fhe daily balance as of the first day of the billing period in which it is posted to your Account, All fees chargged to your Account are added to the standard purchase transaction categgory with the exception of Cash Advance Fees whicfs are added to the applicable cash advance transaction category and golonce Transfer Fees which ore added to the applicable balance transfer transaction category, Credit Balances. If vour Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money flint is owed to you. You may make char g e<_against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more aRer 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover(Ocard is issued by Discover Bank,Member FDIC OITBK172 � � It pays t,_... PRANK H MORGAN JR 1 ��E r Account number ending in 4821 _AI.SC VER,' page 3 of 3 Information For You Need Cash? Whether it's for an unexpected bill or an emergency car repair,Discover(R)Card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more. This month,the featured Cashback Bonus(R)Redemption Partner is Bed Both&Beyond(R). Redeem $20 Cashback Bonus for a$25 Bed Bath&Beyond gift card. Discover's Wallet Protection helps notify card issuers&monitors your credit activity for 90 days if your wallet is lost/stolen. Visit Discover.com/walletprotection or call 1-877-623-8014 to learn more or to enroll, Questions? Visit www.Discovor.com or �rS��vER call 1-800-DISCOVER (1-800-347-2683). 0 z z a 0 g 4 a cn i� V Questions? Visit www.Disc6ver.com or call 1-800-DISCOVER (1-800.347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 4821 DISCOVER $7,070.74 i$140.00 Enter Amount Enclosed Below Payment Doe Date 5.pt.mber 13,2010 $ Thank you for your DirectPoy automatic��yment. Your next automatic payment of$300.( will be on 09/10/10.See Transactions section for additional details. 18 SDSNBA01 OOD4969 FRANK H MORGAN JR Text APP to DISCOV*to receive a link to our free mobile app and pay your bill in seconds PO BOX 1392 from anywhere BRYN MAWR PA 19010-7392 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discovar.com or print change in space above. I I all IIIII 1111111 to I III III III gill 11111 11 1111 gill it 1 1111111 11011 000001986458226973978070707400000000014000 Opening Date- July 19,2010- Closing Dote: August 18,2010 page I of 3 Discover More Card Account Summary Payment Information New Balance $7,070.74 Minimum Payment Due $140.00 Account number ending in 4821 Payment Due Date September 13,2010 Previous Balance $7,236.48 tolle Payment Warning:If we do not receive your minimum Payments And Credits 300.00 payment by the date listed above,you may have to pay a late Purchases + 25.90 fee of up to$35.00 and your purchose and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. Interest Charged + 1108.36 Fees Charged + 0.00 Minimum Payment Warning:If you make only the minimum Now Balance 57,070.74 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information it, , , ' -6uilf pa off yo ma n A .charged.. .......... Credit Line $13,400.80 Credit Line Available $6,329.00 uslq l Cash Advance Credit Line $5,700,00 Cash Advance Credit Line Available 54,080.00 Only the minimum 40 years $32,916 You maybe able to ovoid Interest Charges,see Additional payment $9,157 — Important Information for details. $254 3 years ISavings=$23,7591 Cashback Bonue If you would like information about credit counseling services, Anniversary Month call 1-800.347-1121, April Opening Cashback Bonus Balance $ 20.17 Now Cashback Bonus This Period + 0.06 Cashback Bonus Balance $ 20.23 To loom more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1, Access your account securely at www.Discover.com Access free online tools like Poydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800.347-2683). to ay clown your balance,securely access statements,pay Please have your DiscoverO card available. bills online and easily track all l.ronsuctions 3. Write to us at Discover,PO Box 30943, Soft Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy wcrp 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 Payments and Credits Aug 10 Aug 10 PHONE PAYMENT-THANK YOU $ .300,00 Merchandiso Aug 9 Aug 9 AOL*SERVICE 0810 800827-6364 NY $ 25.90 M880520382871610 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 75.34 li NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of clownloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through email or text messages on your mobile phone. •Print a paper copy of your statement anytime, •Sign up today at Discover.com/poperless 02010 Discover Bank,Mambo,FDIC "U310 Transactions Trans, Post z (cont.) Date Date Interest Char 8 ,god INTEREST CHARGE ON CASH ADVANCES $ 33.02 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 108.36 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 818.29 Questions? visit www.Discover.com or DISCOVER call 1-800-DISCOVER 11-800-347-2683). DISCO�'+ x It pays w �T FRANK H MORGAN JR -» Account number ending in 4821 -AISG �E..RK- page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 16.24% V $5,462.28 $75.34 Cash Advances 22.24% V $1,748.22 $33.02 V=Variable Rate Additional Important Information. See your Cardmemher Agreement. Your Cordmember Agreement contains all the terms of your Account, Lost or stolen cards. Report immediatelyl Call 1.800.347-2683. What To Do 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 letter,give us the following information: Account information: Your name and account number, Dollar amount:The dollar amount of the suspected error. Descr�tion 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 mista�� You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors n wn . You may call us,but if you do we are not required to investigate any potential errors and you may have to pay a amount in question. While we investigate whether or not there has been an error,the following are true: We cannot try to collect the amount in question,or report you as delinquent on that amount. The charge in to may remain on your statement,and we may continue to charge you interest on that amount. But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Msatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necesscry if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130.0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. :Payments. You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check bock 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 day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 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 You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, er ov the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date(e.g.,the 15th day of the month)that occurs before your Pcyment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone,you will need this statement and your bank account information. You will be asked to provide the last four(4Nigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and Your bank to deduct each pa ent you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.8003172,683 or by mail at Discover,PO Box 30421,Salt Lake City,UT 84130.0421;however we must receive notice a-least three business days in advance of the scheduled payment. if your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law, You can set automatic payments for:fi)statement New Balance,(ii)statement Minimum Payment Due,{iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If your scheduled payment is greater than the New Balance on your billin statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount ma)-%e less tan the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ m Bank Routing#: ;Bank Account#: ;Frequency: ai Z Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or a other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of ° your Account to credit reporting agencies each month. IF you believe that our report is inaccurate or incomplete,please write g us at the following address: D stover,PO Box 15316,WYlming on,DE 19850L5316. Please indicate your name,address, ° home telephone number and Account number. Paying Interest:We begin to impose Interest Charges on all transactions from the Transaction Data for the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transcction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billingy statement b 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 pa new purchase,paid by the Payment Due Date on your current billing statement. We call this the"grace period.' it is not less than 25 days. There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmember Aggreement titled"How We Apply Payments,"we generally apply payments to your Account based on the APR a plieable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown an that b,lling statement,then,depending on the amount of your payment and the APRs on other balances,you may not get a grace period on new purchases. Annual Fee.If your Account has an annual fee,it will be billed at the}inning of each anniversary year our Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not.refundable.unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your interest Charges separately for each balance subject to different terms(for example,standard purchases,standard cosh advances and each purchase,balance transfer and cash advance balance subject to promotional terms), 'No 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 dayy,add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We fhen 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 transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which It occurs,in which case the transaction will be added to the dally balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which ore added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more a er 6 months,or as otherwise required by applicable law. for TDD(Telecommunications Device for the Deaf)assistance,please call 1.800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover©card is issued by Discover Bank,Member FDIC OITBK172 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). DISCOVER Information For You Your next automatic fixed amount payment of$300.00 will be on 09/10/10.Any payments made prior to this date and any credits applied to your Account for the billing cycle reflected on this statement may lower your statement balance and thus the scheduled DirectPay amount. cc 800- so P a 17 ' 1 WAT`o" DISCOVER 0 z m D _o 0 0 0 A O� V Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER ISCNow Balance Minimum Payment Due I Account Number ending in 4821 ; VE $6,964.19 $138.00 Enter Amount Enclosed Below Payment Due Date Q October 13,2010 $ Thank you for your DirectPay automatic�iayment. Your next automatic payment of$300.00 will be on 10/10/10.See Transactions section for additional details. 18 SDSNSAOt 0004970 Text APP to DISCOV*to receive a link to our FRANK H MORGAN JR free mobile app and pay your bill in seconds PO BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 71084 l Ills,i Ills r,tlllr,lnrpill CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? �ti�t��u�t�tl�l�tu�ult�m�li�ni�n��r�teEtn�u�n���tt�� Go to www.Discover.com or print change in space above. 0000019864582269739780696419000000000 13800 Opening Date: August 19,2010- Closing Date: September 18,2010 page 1 of 3 Discover More Card Account Summary Payment information New Balance $6,964.19 Minimum Payment Due $138.00 Account number ending in 4821 Payment Due Date October 13,2010 Previous Balance $7,070.74 Late payment Warning:IF we do not receive your minimum Payments And Credits 300.00 payment by the date listed above,you may have to pay a late Purchases + 87,26 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. Interest Charged + 106.19 Fees Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance 6,964.19 payment each period,you will pay more in interest and it wilt See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information 1f you k p You,w di pdy o#f Ard f ab will end Credit Line $13,400.00 +cldttaona)Cftarges the: alanceshbwn i9 ppctytrtg4ai' Credit Line Available $6,435.00 Usrrtg this card dnd p c9}tts statem �t ,�Sttm�ted t01i�Of Cash Advance Credit Line $5,700,00 Cash Advance Credit Line Available $4,207.00 Only the minimum 39 years $31,765 You may be able to avoid Interest Charges,see Additional payment 9,008 Important Information for details, $250 3 years Savings=$22,757) Cashback Bonus® If you would like information abort credit counseling services, Anniversary Month cap 1.800-347-1121. April Opening Cashback Bonus Balance $ 20.23 New Cashback Bonus This Period + 0.19 Cashback Bonus Balance $ 20.42 To learn more,log in of v^~Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely otwwwMiscover.cotn Access free online tools like Paydown 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 available. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, oe Salt Lake City,U Make and mor T 841§O(Not a payment address) and redeem cash rewards worth mar® —find eas y wa y s to earn For payments,please send to address on remiiance or Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Ceal) mobile phone assistance,please call 1-800.347.7449. Transactions Trans. Post Date Date Payments and Credits Sep 10 Sep 10 PHONE PAYMENT-THANK YOU $ •300.00 Merchandise Aug 21 Aug 21 RADIOSHACK 00121020941 ARDMORE PA $ 51.37 Sep 9 Sep 9 AOL*SERVICE 0910 800-827-6364 NY 25.90 M980520382871610 Other/Miscellaneous Aug 19 Aug 19 IDENTITY THEFT PROTECT 800.347.3089 UT 9.99 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. { •Get helpful payment reminders through e-mail or text messages on your mobile phone. i •Print a paper copy of your statement anytime. I • Sign up today at Discover.com/poperless I i 02010 Discover Bank,Member°DIC PAPER.0310 Transactions Trans. Post m (cont.) Date Data n 0 0 0 4 Fees TOTAL FEES FOR-THIS PERIOD $ 0.00 Q) 0 Interest Charged INTEREST CHARGE ON PURCHASES $ 75.55 INTEREST CHARGE ON CASH ADVANCES 30.64 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 106.19 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 924.48 Questions? Visit www.Discover.com or 1)15C�V1KR call 1-800-DISCOVER (i-800-347-2683). Y DISCOg j It pays to FRANK H MORGAN A VER Account number ending in 4821 -D.IS.COVER.......... ; page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 16.24% V $5,479.52 $75.55 Cash Advances 22.24% V $1,622.23 $30.64 V=Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800.347.2683, What To Do If You Think 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 letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. Description of Problem: If you.think.there is an error on your bill,describe what.you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writin You may call us,but if you do we are not required to investigate any potential errors and you may have to pay t e amount in question. While we investigate whether or not there has been an error,the following are true: We cannot 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 ory interest or other fees related to that amount. While you do not have to pay the amount in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Wssatis&d With 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 with-he 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 currem 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 writina 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. Aker we Finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this stotement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use informatior.on your check to make an electronic fund transfer from your account at the Financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn From your account as soon as the some day we receive your payment,and you will not receive your check back from your financial institution. The!'o cer sing ofyour payment nthe payment to any other aforat our processing facility beced at our processing facility after SPM 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 Box 6103 Carol Stream,IL 6C 197b 1 G3. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit it as an eledror.ic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request o recurring pa ent date(e.g.,the 15th day of ti-e month)that occurs before your Payment Due Dare. If your scheduled payment date falls on a weeken or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,you will need this statement and your bank account information. You will be asked to provide the last four(4fdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,ya1 will be agreeing to this authorization to allow us and your bank to deduct each pa ent you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credilt entries to your bank account,as ap icable, o correct an error in the processing of such payment. You-can cancel a scheduled payment by phone at 1.8 347.2683 or by mail at Discover,PO Box 30421,Salt Lake City,UT 84130.0421;however we must receive notice at least three business days in advance of the scheduled payment. IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and ct transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment For that month will be increased to cover the Minimum Payment Due.If the schedules payment is renter than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: uqi z Credit Reporting.We may report information about your Account to credit bureaus. late payments,missed payments,or a other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of ° your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete,please write $ us at the following address: Discover,PO Box 15316,Wilmirgton,DE 1985CL5316. Please indicate your name,address, °a home telephone number and Account number. <o Paying Interest:We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction From the first day of the billing period in which it is posted to your Account. Vie continue to impose Interest Charges until the date ou pay your entire New Balance shown on your billing statement by makingg payments or receiving credits_ If you paid the Vew Balance on your previous billingg statement b the Payment Due.Bate shown on that billing statement,we will not impose Interest Charges on new purchases, that is,purchases first appea•ing on the current billing statement,or onX portion of a new purchase,paid by the Payment Due Date on your current billing statement. We call this the"grace period.' It is not less than 25 days. There is no race period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled"How We Apply Payments,"we generally apply payments to your Account based on the APR applicable to the balance of each W sac ion cotegorv. This means that if you do not pay the New Balance on the current balling statement by the Payment Due Date shown on that billing statement,then,depending on the amount of your payment and the APRs on other balances,you may not get a grace period on new purchases. Annual Fee. IF your Account has an annual fee,it will be billed at the be inninq of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is bl led. the annual tae is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately For each balance subject to different terms(for example,standard purchases,standard cash advances and each purchase,balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the"daily balance"for each transaction category. To get the"daily balance"we take the beginning balance for each do•,add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We ten 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 co-isider 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 Interer Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs,in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more aRer 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deafl assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovero'card is issued by Discover Bank,Member FDIC OITBK172 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DtSCOVE Information For You When making payments,please send a check with your payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or late payments,as it can take additional time to process and credit cash payments and payments sent to a different address. The Additional Important Information section on your statement provides specific details. Your next automatic fixed amount payment of$300.00 will be on 10/10/10.Any payments made prior to this date and any credits applied to your Account for the billing cycle reflected on this statement may lower your statement balance and thus the scheduled DirectPay amount, You can't beat a day of fun at Six Flags(R),and you can't top this deal—get 4 tickets to Six Flags for only$991 Order by 10/11/10 and visit any time before 1/4/11. visit www.sixHags.com/discover4for99 and purchcse with your Discover(R) Card. Also,use your card at Six Flags and save 5%instantly—Discover,the official card of Six Flags. ca I i -$( -d G - 0 P34 - �, NATION DISCOVER Cn 0 z z m a o_ 0 A O V O V Questions? Visit www.Discover.com or DISCOVER call 1.800-DISCOVER (1-800-347-2683). New Balance 1 Minimum Payment Due ; Account Numbe-ending in 4821 DISC VEf $6,905.03 $137.00 Enter Amount Enclosed Below ..-_--.....___.........-......-------- Payment Due Date November 13,2010 Thank you for your DirectPay automatic payment. Your next automatic payment of$300.00 will be on 11/10/10.See Transactions section for additional details. 18 SDSN6A010004971 FRANK H MOR6AN JR Text APP to DISCOV'to receive a linkto our free mobile app and pay your bill in seconds PO BOX 1392 fromanywhe.fe! BRYN MAWR PA 19010-7392 PO BOX 71084 111 1111111111111111 fl CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? l[fill lnlurlclfci1lccl 11111111111111111111111 Go to www.Discover.com or print change in space above. 000001 9864582269739780690503000000000 13700 Opening Date: September 19,2010- Closing Date: October 18,2010 page 1 of 3 Discover More Card Account Summary Payment Information New Balance $6,905,03 Minimum Payment Due $137.00 Account number ending in 4821 Payment Due Date November 13,2010 Previous Balance $6,964.19 Late Payment Warning:If we do not receive your minimum Payments And Credits - 300.00 payment by the date listed above,you may have to pay a late Purchases + 139.89 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. Interest Charged + 100.95 Fees Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance 6,905,03 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information If you make na Y tUaVaff And you w11f ertd Credit Line $13,400.00 addlnt�nal cttgrg$>� the Balance spawn u}�p�ryirlg an usln ihls Lard q d nri this sf4t6a�gr1t estcmgted total�f< Credit Line Available $6,494.00 5 r. egcfl<ionfh:;, iif.z+ quti,:>::<<'>:>.<':::: Cash Advance Credit Line $5,700.00 'P ' Cash Advance Credit Line Available $4,338.00 Only the minimum 39 years $30,920 You may be able to avoid Interest Charges,see Additional payment 8,918 Important Information for details. $248 3 years Savings=$22,002) Cashback Bonus If you would like information abort credit counseling services, Anniversary Month call 1-800-347-112 1, April Opening Cashback Bonus Balance $ 20.42 New Cashback Bonus This Period + 0.32 Cashback Bonus Balance $ 20.74 To learn more,tog in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like F'avdown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683). to pay down your balance,securely access statements,pay Please have your Discovers card available. 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 more 5M—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(Telecommunications Device For the Deal) mobile phone assistance,please call 1.800.347.7449. Transactions Trans. Post Date Date Payments and Credits Oct 10 Oct 10 PHONE PAYMENT•THANK YOU $ •300.00 Merchandise Oct 9 Oct 9 AOL`SERVICE 1010 800-$27-6364 NY $ 25,90 MAS0520382871610 Other/Miscellaneous Sep 20 Sep 20 IDENTITY THEFT PROTECT 800347-3089 UT 9.99 Travel/Entertoinment Sep 21 Sep 21 PTC EZ PASS CSC HARRISBURG PA 35.00 Oct 6 Oct 6 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 2A months of downlooda6le, password protected statements. •See your statement as soon as its available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. •Sign up today at Discovercom/paperiess 02010 Discover Bcnk,Membe•FDIC PAPER.0310 _ .__........._._... Transactions Trans, Post D (cunt.) Date Date 0 0 0 Services Sep 28 Sep 28 PAYPAL'CLICKBANK 4029357733 CA 34.00 v Fees TOTAL FEES FOR THIS PERIOD $ 0100 Interest Charged INTEREST CHARGE ON PURCHASES $ 73.73 INTEREST CHARGE ON CASH ADVANCES 27,22 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 100.95 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 1,025.43 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to FRANK H MOF.GAN JR DISCOVER I OVER Account number ending in 4821 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 16,24% V $5,524.06 $73.73 Cash Advances 22-2A% V $1,489.05 $27.22 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 1800.347-2683. 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 Lake Cry,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 it is a mistsa You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in w�nting. You may call us,but if you do we are no-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 ma remain on your statement,and we may continue to charge you interest on that amount. But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not 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 Righis if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your 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 w i^tina at: Discover,PO Box 30945,Sale Lake Gty,UT 84130-0945 While we investigate,the some rules apply to the disputed amount as discussed above. Aker we Finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Dote. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the Pa yment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the some day we receive your payment,and you will not receive your check bcck 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 day will be credited to your Account as 6;that day. Payments received at our processing facilih 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 6019,7.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig(t to resubmit it as an electronic debit. ,NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e. the 15th cay of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly paymerrs 6 telephone,you will need this statement and your bank account information, You will be asked to provide the last four 14rdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize,in the amount selected by you,From your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347-2683 or by mail at Discover,PO Box 30421,Salt Lake City,UT 84130-0421;however we must receive notice at least thrae business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthl billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S,law. You can set automatic payments for:(i)statement New Balance,Iii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your act eduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly statement,your scheduled payment for that month will Be increased to cover the Minimum Payment Due.If the scheled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cordmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. IF you enroll by phone in our automatic payment service,please filhn the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ m Bank Routing#: ;Bank Account#: ;Frequency: Z Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or c other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete,please write o0 us at the following address: Discover,PO Box 15316,Wilmington,DE 19850.531 b. Please indicate your name,address, ° home telephone number and Account number. Co Paying Interest:We begin to impose Interest Charges an all transactions from the Transaction Date for the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits, if you paid the New Balance on your previous billing statement 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 o a new purchase,paid by the Payment Due Date on your current billing statement. We call this the"grace period.'. is not less than 25 days. There is no race period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement filled"flow We Apply Payments,"we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement,then,depending on the amount of your payment and the APRs on other balances,you may not get a grace period or new purchases. Annual Fee.if your Account has an annual fee,it will be billed at the 6 inning of each anniversary year our Account is open. The amount of the fee cppears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges-Deily Balance Method(including current transactions): We figure Interest Charges for each billing period. To do this_ We calculate your Irr erast Charges separately for each balance subject to different terms(for example,standard purchases,standard cosh advances and each purchase,balance transfer and cash cdvance balance subject to promotional terms}. V�'e 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 dav,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 adIIustments required in tfte section titled"Paying Interest"), In calculating the deify balance for the first day of the bitting period,we consider the"previous day's daily balance"to have been your balance on the last day of your previous billirg period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs,in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your.Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transacticn category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more alter E months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaq assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank,Member FDIC OITBK172 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISC VER { Information For You When making payments,please send a check wi-h your payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or late payments,as it can take additional time to process and credit cash payments and payments sent to a different address. The Additional Important Information section on your statement provides specific details. Your next automatic fixed amount payment of$300.00 will be on 11/10/10.Any payments made prior to this date and any credits applied to your Account for the billinc cycle reflected on this statement may lower your statement balance and thus the scheduled DirectPay amount. Need Cash? Whether it's for an unexpected bill or an emergency car repair,Discover(R)Card can abvays help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to fird out more. 17�a{' - oaP3a j.k5kMATION DISC*VER Z rn D o_ 0 0 0 a m V V Questions? Visit www.Discover.com or ��5�®VER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due I Account Number ending in 4821 DISCOVER $6,778.30 $136.00 Enter Amount Enclosed Below Payment Due Date $I December 13,2010 Thank you for your DirectPay automatic payment. Your next automatic payment of$300.00 will be on 12/10/10.See Transactions section for additional details. 18 SDSN6A01 0004972 FRANK H MORGAN JR Text APP to DISCOV`to receive a link to our free mobile app and pay your bill In seconds PO BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 71084 I11191II113,r�II11rIr��rltl CHARLOTTE NC 28272-1084 r Address,e-mail or telephone change? I1 III]11111 111 III[III till 1III I III 11 III 1111 It till 11111 11 111$111 Go to www.Discovor.com or print change in space above. 00000198645822697397806778200000000 0013400 Opening Date: October 19,2010- Closing Date: November 18,2010 page 1 of 3 Discover More Card Account Summary Payment Information New Balance $6,778.20 Minimum Payment Due $134.00 Account number ending in 4821 Payment Due Date December 13,2010 Previous Balance $6,905.03 Late payment Warning:IF we do not receive your minimum Payments And Credits 300.00 payment by the date listed above,you may have to pay a late Purchases + 70.89 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. Interest Charged + 102.28 Fees Charged + 0.0_0 Minimum Payment Warning:IF you make only the minimum Now Balance $6,778.20 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.`or example: transactions for detailed APR information l,:::..':'C <.:<:or ; _.;>,;_;;;;. ::::: >;.:.,:;;,: .:<>:> :•::.::...:::.: > fyoum kzs n You w1E€�ayoff A�td yat,X111 erd Credit Line $13,400.00 addihonal charges helsaiatice shown up paysrtig 4tn Credit Line Available $6,621.00 u91ng'tfils card pnd on tftrs sfatemeYrtSltrhpt8jd tvJtll of ecsch;tYipfh.ypu p!?Y to abosfi :: >•a: Cash Advance Credit Line $5,700.00 •"" "'"" Cash Advance Credit Line Available $4,474.00 Only the minimum 38 years $29,598 payment You may be able to avoid Interest Charges,see Additional 1 $8,742 Important Information For details. $243 3 years Savings=$20,856) Cashback Bonus® If you would like information about credit counseling services, Anniversary Month toll 1.800.347.1121. April Opening Cashback Bonus Balance $ 20.74 New Cashback Bonus This Period + 0.15 Cash6ack Bonus Balance $ 20.89 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely of www.Diswvor.com Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER(1-800.347-2683). to pay down your balance,securely access statements,pay Please have your DiscoverO card available, 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 more sM—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(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800.347.7449. Transactions Trans. Post Date Date Payments and Credits Nov 10 Nov 10 PHONE PAYMENT-THANK YOU $ .300.00 Merchandise Nov 8 Nov 8 AOL•SERVICE 1110 8OM27.6364 NY $ 25.90 MB80520382871610 Other/Miscellaneous Oct 20 Oct 20 IDENTITY THEFT PROTECT 800.347-3089 UT 9.99 Travel/Entertainment Oct 24 Oct 2/- PTC EZ PASS AUTO RE HARRISBURG PA 35.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 2.4- months of downloodable, password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper cope of your statement anytime. •Sign up today at Discovercom/paperless k� 4 02010 Discover Bark,Member?DDC PAPER.0310 Transactions Trans. Post rn (coat.) Date Date $ P 4 0 Fees TOTAL FEES FOR THIS PERIOD a $ 0.00 co N Interest Charged INTEREST CHARGE ON PURCHASES $ 76.69 -+ INTEREST CHARGE ON CASH ADVANCES 25.59 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 102.28 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 1,127.71 Questions? Visitwww.Discover.com or R��" call 1-800-DISCOVER 11-800-347-2683 . D'S 1/ u pays to FRANK H MORGAN JR DISC( EK t._.Q�S� V��...__.. Account number ending in 4821 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE Of BALANCE RAANN(APR)PERCENTAGE BALANCE EST RATE TO INTEREST CHARGE Purchases 16.24% V $5,561.15 $76.69 Cash Advances 22.24% V $1,354.79 $25.59 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) Calf 1-800-347-2683, What To Do If You Think You Fins!A Mistake On Ygmr Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,LIT 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. psc0 lion.of Problem: lf.you think.there is.an error on your bill,.describe what.you believe is wrong and why you believe it is a mists ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potenticl errors in itin . You may call us,but if you do we are not required to investigate any potential errors and you may have to pay tha amount in question. While we investigate whether or not there has been on 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 tc pay the amount in question or arry interest or other fees related to that amount. While you do not have to pay the amount in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit CRrd Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note; Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. 9f all of the criteria above are-met and you are still dissatisfied with the purchase,contact vs in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the some rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount cnd 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 cnd 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 we use information From your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the some day we receive your payment,and you will not receive your check bac<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 day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 9 7-6 1 03, Plecse allow 7-10 days for delivery. If your payment is returned unpaid,we reserve tie rig(t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ment dote(a, .,the 15th day of the month)that occurs before your Payment Due Do-e. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. in order to schedule monthly payments b telephone,you will need this statement and your bank account information. You will be asked to provide the last four(d�digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,yon wdl ba agreeing to this authorization to allow us and your bank to deduct each payment you authorize,fn the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1•SOJ 347-2683 or by mail at Discover,PO Sox 30421,Salt Lake City,UT 8A 130-042 1;however we must receive notice at least three business days in advance of the scheduled pa}'ment. If your payments may vary in amount, we will tell you on sacfi monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount,if your scheduled fixed payment is not enough to cover the Minimum Payment Due as I:sted on your monthly billin statement,your scheduled payment for that month will ba increased to cover the Minimum Payment Due,If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.It your scheduled payment is greater than the New Balance on your billin statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Dote. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ Fixed Pay$ Ci Bank Routing#: ;Bank Account#; ;Frequency: z Credit Re acting.Vle may report information about your Account to credit bureaus. Late payments,missed payments,or o r d efaults on yc+�r Account maybe reflected in your credit reppoort. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou aefieve that our report�s inaccurate or incomplete,please its g us at the fallowing address: Discover,Pp Box 15316,W lmingfon,DE 1 9850 53 16. Please indicate your name,address, °a home telephone number and Account number. ; Paying Interest:We begin to impose Interest Charges on all transactions from the Transaction Dote for the transaction shown v on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is pasted to your Account. Ws continue#o impose Interest Charges until tits date you pay our entire New Balance shown on your bitting statement by making payments ar receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Data shown on that billing statement,we will not impose Interest Charges on new purchases, that is,purchases first apppeering on the currant billing statement,or anY portion of a new purchase,paid by the Payment Due Data on your currant billing iafament. We call this the"grace period.' !t Is not less than 25 days. There is no grace period on balance transfers or cash advances. As more Fully described an the section of your Cardmember Agreement titled"How We Apply Payments,"we generally apply payments to your Account based on the APR applicable to the balance of each transac#ton category. This moons that if you da not pay the New Balance on the current billing statement by the Payment Due Data shown an that billing statement,#hen,depending on the amount of your payment and the APRs on other balances,you may note a grata paned on new purchases. Annual Fee.IF your Account has an annual fee,it will be billed at the beginning of each anniversary year our Account is open. The amount of the fee appears on the statement when the fee is bt�led, I he annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which fhe fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We figure Interest Charges for each billing period. To do this: We calculo-o 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 teen subtract any credits and payments and make other adjustments(including those adjustments required in the section titled"Paying interest"). In calculating the dolly balance for the first day of the billing period,we consider the"previous day's daily balance"to have been your balance on the fast day of your previous billing period. This gives us the daily balance For each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate,For each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges For each transaction category for each dcy during that billing period. When we calculate doily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is pasted 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 cloy of the billing period in which it is posted to your Account. All fees charged to yocr Account are added to the standard purchase transaction category with the exception of Cash Advance Feos which are added to the applicable cash advance transaction category and Ba once Transfer Fees which are added to the applicable balance trans�er transaction category. Credit Balances. IF your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money thot is owed to you. You may make charges against this amount if your Account is open, We will send you a refund of any remaining balance of$1.00 or more otter 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes, The Discover©card is issued by Discover Bonk,Member FDIC 0178K172 Ques ions? Visit www.Discover.com or Q SC VE� call 1.800-DISCOVER (1-800-347-2683). DISC`iu�lfE . �� I Information For You As a reminder,you do not 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." You will 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. Your next automatic fixed amount payment of$300.00 will be on 12/10/10.Any payments made prior to this date and any credits applied to your Account for the billing cycle reflected on this statement may lower your statement balance and thus the scheduled DirectPay amount. �p ' e t - - a } MATION DISCOVER N O N z 0 a 0 0 A V N J Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). .h New Balance j Minimum Payment Due I Account Number ending in 4821 DISCOVER $7128.88 i$147.00 Enter Amount Enclosed Below Payment Due Date January 13,2011 Thank you for your DirectPay automatic payment. Your next automatic payment of$300.00 will be on Ol/10/11.See 7 runsactions section for additional details. 18 SDSN8A01 0004973 )"RANK H MORGAN JR Text APP toDISCOV'to receive aMRtoour free mobile app and pay your bill in seconds PO BOX 1392 from anywherel BRYN MAWR PA 19010-7392 PO BOX 71084 Illrrrllrrrrrslllr,I,rrKill CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? III l oil r III 1r11111t1111lrl gill 11111rlirlrilrr1lrrlrrlrrlrlrrll Go to www.Discover.com or print change in space above. 000001986458226973978074288800000000014700 Opening Date: November 19,2010- Closing Dote: December 18,2010 page 1 of 3 Discover More Card Account Summary Payment Information New Balance $7,428.88 Minimum Payment Due $147.00 Account number ending in 4821 Payment Due Date January 13,2011 Previous Balance $6,778.20 Late Payment Warning:If we do not receive your minimum Payments And Credits - 300.00 payment by the date listed above,y,ou may have to pay a late Purchases + 848.48 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. Interest Charged + 102.20 Fees Charged + 0.0_0 Minimum Payment Warning:If you make only the minimum New Balance 7,428.88 payment each period,you will pay more in interest and it will See Interest Charge Calculation secticn following take you longer to pay off your balance.For example: transactions for detailed APR information I:: f you make ha 1'ou wrk�clyojf Arid you ill eild ; Credit Line $13,400.00 Pit", a ongl ellatgk5 ff9al?alricesf3a.. Up ptiyl ttcsA Credit line Available $5,971.00 us,rt thi..c tcl r cl op fllrG s{Er neitf estlm ted totCii"4?1r Cash Advance Credit Line ea 13».:ntft Xou i7ay' ui trbcut <;....:.,:>•.;... ::. $5,700.00 ,:.. .. .,..:: Cash Advance Credit Line Available $4,614.00 Only the minimum 40 years $32,921 You may be able to avoid Interest Charges,see Additional payment 9,553 Important Information for details. $265 3 years Savings=$23,368) Cashback Bonuse If you would like information about credit counseling services, Anniversary Month call 1-800.347-1121. April Opening Cashback Bonus Balance $ 20.89 New Cashback Bonus This Period + 2.12 Cashback Bonus Balance $ 23.01 To learn more,log in a twwwMiscover.eorn 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discovercom Access free online tools like Paydown 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®cord available. bills online and easily track ail transactions 3. Write to us at Discover,PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197.6103 NEWI Access your account securely*irough your For TDD(Telecommunications Device for the Deal) mobile phone assistance,please call 1-800-347-7449. Transactions Trans. Post Date Date Payments and Credits Dec 10 Dec 10 PHONE PAYMENT-THANK YOU $ .300.00 Merchandise Dec 3 Dec 3 SONY ELEC PARK RIDGE NJ $ 662.50 Dec 8 Dec 8 AOL*SERVICE 1210 800-827-6364 NY 25.90 MC80520382871610 Dec 12 Dec 12 STAPLES 00112870105 NEWTOWN SQUARPA 27.55 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER _._.._.----------.--.__.-----------Poperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper cony of your statement anytime. •Sign up today a Discovercom/poperless 02010 Discover Bank,M—b.FDIC PAPER.0310 Transactions Trans. Post z (cont.) Date Date o 0 Other/Miscellaneous Nov 21 Nov 21 IDENTITY THEFT PROTECT 800.347.3089 UT 9.99 Travel/Entertainment Nov 26 Nov 26 SHERATON SUITES OLD TOWN ALEXANDRIA VA 122.54 w Fees TOTAL FEES FOR THIS PERIOD $ 0100 V Interest Charged INTEREST CHARGE ON PURCHASES $ 80.02 INTEREST CHARGE ON CASH ADVANCES 22.18 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 102.20 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 1,229.91 Questions? Visit www.Discover.com or call 1-800-DISCOVER I1-800-347-26831. DISCOVER It Pays to PRANK M MORCAN JR DISC ak,,VE DISCOVER_ Account number ending in 4$21 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 INTEREST SUBJECT TO INTEREST CHARGE Purchases 16.24% V $5,995.94 $$0.02 Cash Advances 22,24% V $1,213.24 $22.18 V=Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains off the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800.347-2683. What To Do!f You You Find A Mistake On Your Statement If you think there is on error on your statement,write to us of: Discover,PO Box 30421,Soft Lake City,UT 8413"421. In your letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. 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 misfa e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in w6 . You may call us,but if you do we are not required to investigate any potential errors and you may have to pay-Go amount in question. While we investigate whether or not there has been an error,the following are true: We cannot fry to collect the amount in question,or report you as delinquent on that amounl. The charge in questfan 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 arry interest or other fees related to that amount. While you do not have to pay the amount in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit, Your Rights If You Are Dissatisfied With Your Credit Card putyr uses 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: i.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advorces from an ATM or with a check that accesses your credit card occount 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 ritin at: Discover,PO Box 30945,Salt Lake City,UT 84130.0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may y all or part of your Account balance at any time. However,you must pay of least the Minimum Payment Due by the I'�oyment Due Date. Send only your payment and the top portion of this statement in the envelope Fravuded. Do not send cash. By sending your check as described above,you authorize us to use information on your check make an electronic fund transfer from your account at the Financial institution indicated on your check or to process the payment as a check transaction, if payment is processed as on electronic fund transfer,the transfer will be for the amount of the check. When we use information From your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you sand the payment o anyy other address or if you use an envelope other than the one provided. Payments received in proper format our processing facility by 5PM local time on any daYp will ba credited to your Account os ow thafi day. Payments received at our processrog facility after 5PM focal time will be credited to your Account as of the na>3 day. If you hove misplaced your envelope,send your payment to Discover,PO Bcx 6103 Carol Stream,IL 60 1 97-3 1 03. Plaasa allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the rig(it to resubmit i#as an elecronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION �.fllt• DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote(e. .,the 15th do of the month)that occurs before your Payment Due Date_ if your scheduled payment dote falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone,you will need this statement and your bank account information, You will be asked to provide the lost four(4rdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you w+l}be agreeing to this authorization to allow us pact your bank to deduct each pa girt you authorize,in the amount seCecied by you,from your bank accovat. Yau also outtsonze us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such p_ymeni. You can cancel a scheduled payment by phone at 1-800 i.2683 or by mai!at Discover,PO Bo 30421,Salt take City,UT 8d 130.0421;however we ust receive notice ei leas#thrbuiness days in advance of the scheduled payment. If your payments may vary in amount, we will#ell you an each manthbilling statement whn your payment will be made and how much+twill be. You must ensure that sufficient funds are avai�a in your bank account,and all transactions must comply with U.S.law. You con set automatic payments for:(I)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will Be increased to cover the Minimum Payment Due,If the scheduled payment is reater than the Minimum Payment Due,any excess will be applied in accordance with your Cordmember Agreement.If your scheduled payment is greater than the New Balance on your billin g statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less titan the amount indicated on the periodic statement based on credits or payments after the Closing Date. if you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Foy+$ ❑Fixed PnY$ rn Bank Routing#: ;Bank Account#: ;Frequency: z Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or o other defaults on your Account may be reflected in your credit resort. We normally report the status and payment history of your Account to credit reporfing agencies each month. If ou believe that our report is inaccurate or incomplete,please write ao US at the following address: Dacover,PO Box 15316,Wilmington,DE 14850..:316. Please indicate your name,address, g home telephone number and Account number. w Paying Interest.We begin to impose Interest Charges on all transactions from the Transaction Dale for the transaction shown � on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the dote you pay your entire IVew Balance shown on your billingg at by making payments or recgiiving'eredits. (#you paid the A1aw Balance an your previous billing statement b the Payment Due t0ate shown on that billing statement,we will not impose Interest Charges on new purchases, that is,purchases first a peering on the current billing statement,or and portion of a new purchase,paid by the Payment Due Date on your current billing tdement. We colt this the"grace period. it+s not less than 25 dayys_ There is no brace period on balance transfers or cash advances. As more fully described to the section of your Cardmember Agreement titled"How We Apply Payments,"we generally apply payments to your Account based on the APR appplicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Dote shown on that billing statement,then,depending on the amount of your payment and the APRs on other balances,you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee,it will be billed at the beginning of each anniversary year our Account is open. The amount of the fee appears an the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We figure Interest Charges for each billing period, To do this: We calculate your Interest Charges separately for each balance subject to different terms(for example,standard purchases,standard cash advances and each purchase,balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the"daily balance"for each tronsaction category. To get the"daily balance"we take the beginning balance for each dayy,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 doily balance for the first day of the billing period,we consider the"previous day's doity balance"to have been your baksnce on the last day of your previous billing period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily interest Charges for each transaction category for each day during that billing period. When we calculate daily balarces,we add a new transaction as of the Transaction Dote 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 perod in which it is posted to your Account. All Fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance fees which are added to the applicable cash advance transaction category and Sconce Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed.a you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more offer 6 months,or as otherwise required by applicable law. For TDD(ielocommunkations Device for the Doaf)assistance,please call 1.800-347.7444. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank,Member FDIC 0 IT8K172 Questions? Visit www.Discover.com or Y D,���`��R call 1-800-DISCOVER )1-800-347-2683). Information For You Your next automatic fixed amount payment of$300.00 will be on 01/10/11.Any payments made prior to his date and any credits applied to your Account for the billing cycle reflected of this statement may lower your statement balance and thus the scheduled DirectPay amount. ca i $� D S� ( -80 -34 - 83� RMATfON ��SCOVER 0 z m D o_ 0 up A V V Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due 11 Account Number ending in 4821 DISCOVER V $7,777.72 $154.00 Enter Amount Enclosed Below Payment Due Date February 13,2011 Thank you for your DireciPay automatic payment. Your next automatic payment of$300.00 will be on 02/10/11.See Transactions section for additional cetails. 18 SDSNGA01 0004974 FRANK H MORGAN JR Text AFF'toDISCOV'to receive a link toour free mobile app and pay your bill in seconds PO BOX 1392 from anywherel BRYN MAWR PA 19010-7392 PO BOX 71084 lll,,,)fl,urr,lll„lrr,All CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? 111111(r all toll llrrrlrrll III fliil,r,l1 all III rllr III rlulrl�rll Go to www.Discover.com or print change in space above. 0000019864582269 73978077777200000000015400 Opening Date: December 19,20110- Closing Date: January 18,2011 page 1 of 3 Discover More Card Account Summary Payment Information New Balance $7,777.72 Minimum Payment Due $154.00 Account number ending in 4821 Payment Due Date February 13,2011 Previous Balance $7,428.88 Late Payment Warning:if we do not receive your minimum Payments And Credits 300.00 payment by the date listed above,you may have to pay a fate. Purchases + 535.01 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0-00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. interest Charged + 113.83 Fees Charged + _ 0.00 Minimum Payment Warning:If you make only the minimum New Balance $7,777.72 payment each period,you will pay more in interest and it will See interest Charge Calculation section following flake you longer to payoff your balance.For example: transactions for detailed APR information Ify'dia make tYo Yon wtfil aayoff And yauvr+31( rid Credit tine $13,400.40 adcJtNonaf cfzaYgdS #fiance shown u Ftitysnrdtr5 Credit tine Available $5,622.00 u3tn this c r and irYthys sfat9mgrif �8irrtl{0104olal4f Cash Advance Credit Line $5,700.00acE3'rsonth yaks pcslt litcrtss,pt :.. Cash Advance Credit Line Available $4,745.00 Only the minimum 41 years $34,257 payment You may be able to avoid Interest Charges,see Additional 9,982 Important Information for details. r $277 3 years Savings=$2A,275)1 CgSltbgClC Donn$® If you would like information about credit counseling services, Anniversary Month col{1-800-347-1121. April Opening Cashbook Bonus Balance $ 23.01 New Cashback Bonus This Period + 3.63 Cashback Bonus Balance $ 26.64 To learn more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.€liscover.com 1. Access your account securely of www.Discover com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800.347.2683, to pay down your balance,securely access statements,pay Please have your Discover(&card available. bills online and easily track all transactions 3. Write to us at Discover,PO Box 309A3, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on 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 Deal) mobile phone assistance,please call 1-800-347-7449. Transactions Trans. Post Data Date Payments and Credits Jan 10 Jon 10 PHONE PAYMENT-THANK YOU $ -300.00 Merchandise Dec 22 Dec 22 COACH 00028548253 ARDMORE PA $ 400.00 Jan 8 Jan 8 AOL*SERVICE 0111 8OU27.636A NY 25.90 M180520382871610 Ctther/Miscallaneous Dec 20 Dec 20 IDENTITY THEFT PROTECT 8M3A7X3089 UT 9.99 Travel/Entertainment Dec 25 Dec 25 SHERATON SUITES OLD TOWN ALEXANDRIA VA 99.12 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER I Paperless statements mean less clutter, more convenience I Easily access up to 24 months of clownloodoble,password protected statements. See your statement as soon as it's available rather than wait for it to arrive in your mailbox. Get helpful payment reminders through e-mail cr text messages on your mobile phone. •Print a paper corf of your statement anytime. • Sign up today at Discover.com/poperless Q20)0 Discover Boni,Member FD" PAPER.03 10 Transactions CD z Trans. Post (cont.) Date Date Fees TOTAL FEES FOR THIS PERIOD 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 93.55 INTEREST CF.ARGE ON CASH ADVANCES 20.28 INTEREST CFARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERM 113.83 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 113.83 Questions? Visit www,Discover.com or call 1-800-DISCOVER (1-800-347-26837. DISCOVER It pays to FRANK H MORGAN JR DISCOCIVER ! Account number ending in 4821 i-DISrO,V.ER'.-.--.,j page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account, Current Wing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT RATE TO INTEREST CHARGE RATE(APRI INTEREST Purchases 16,24% V $6,783.03 $9155 Cash Advances 22.24% V $1,073.88 $20.28 V=Variable Rate Additional Important Information. See your Cardmem6er 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 on error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City.UT 8413044211 In your letter,give us the following information: Account information:Your name and account number. Dollar amount The dollar amount of the suspected error. 11 1 mgtfl,on f.Problem: If you,think,there is an error on.your bill,describe,what you believe is wrong and why you,believe 0 mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors i writin You may call us,but if you do we are not required to investigate any --9 potential errors and you may have to pay amount nt'in question. While we investigate whether or not there has been an error,the following are true: We cannot collect the amount in question,or report you as delinquent on that amount. The-h.,g.iZ question may remain on your statement,and we may continue to charge you interest on that amount. But,if W4 t, .determine t;.cw.madee 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 fflighlij If You Are-Dissaitisfigd With 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 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 hove been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods cr services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not quclify. 3.You must not yet have fully paid for the purchase. if all of the criteria above are-met-and till dissatisfied with the purchase,contact us in writin at: i�(>u ore still , U Discover,PO Box 30945,Salt Lake C f, T 84130.0945 While we investigate,the same rules apply to the disputed amount as discussed above, After we Finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or port of your Account balance of any time. However,you must pay of least the Minimum Payment Due by the Payment Due Date. Send on:v your payment and the top portion of this statement in the envelope provided. Do not send cash. B, sending your ch.eck as described above,you authorize us to use Information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the pa'yment as a check transaction. If payment is processed as an electronic Fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the some day we receive your payment,and you will not receive your check back=rorn your financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with our payment,if you other address r facility ad e 0 e can 65so 6u U$ an envelope m 0 0 processing 9 c P� c -rne any do ty local time. send the n c by 5 ',5 If _,I1 r ,e p Ym " 0 1 t form our oce-in I .r processing f received of 0 'I, off PM misplaced u,envelope,s.. your payment to Discover, ys I. y-delivery. If your Payment 1, unpaid,we reserve do d Ii d u d, Carol Stream,CL 60197 6103. Please allow 710 e";'h,credited than P b will - ,:red td t PO Box 6 1 03 the rig t fa resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g.,the 15th da oFthe month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holidycoy,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone,you will need this statement and your bank account information. You will be asked to provide the last four(4digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,}tru wrll be agreeing fie fihis authorize#ion to allow us and your bank to deduct each pa ment you authorize,in ihs amount selected by you,from your bank account. You also authorize as#o initiate debit or credit entries to Y_ bank account,as apppplicable,to correct an error in the processing of such payment. You can concel a scheduled payment by phone at 1•S0i7.347.26$3 or by to at Discover,PO Bax 30421,Salt lake City,UT 84130.Q421;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each maniily billing statement when your payment will be made and haw much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions mLSt comply with U.S.law. You can set automatic payments for.(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dolor amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billin statement,your scheduled payment For that month will be increased to cover the Minirrum Payment Due.If the scheduled payment is rower than the Minimum Payment Due,any excess will be appplied in accordance with your Cardmember Agreement.Ifgyour scheduled payment is greater than the New Balance on your brihn statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. if you enroll by.phone in our automatic payment service,please fill in the following blanks below and retain the authorization far your records, Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ , a Bank Routing#: ;Bank Account#: ;Frequency: z Credit Reporting.We may report information about your Account to credit bureaus. krte aayments,missed payments,or c other defaults an your Account may be reflected in your credit report. We normally report the status and payment history of your Account#o credit reporting agencies each mon . if ou believe that our reppoort is inaccurate or incomplete,please write $ us at the following address: Discover,PCt 8 0.1 53 1%,Wilmington,DE 14850 53ib. Please indicate your name,address, ° home telephone number and Account number. a Paying Interest;We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of tite billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billingg pperiod in which it is pasted to your Account. VJe cantinas to impose Interest Charges until the date you pay your entire New Balance shown on your billingg statement by making payments or receiving credits. if you paid the New Balance on your previous billingg statement b the Payment bue Dais drown an that billing statement,we will not impose Interest Charges on now purchases, that is,purchases first appea ing an the current billing statement,or anX portion at a new purchase,paid by the Payment Due Dots on your currant billing statement. We tail This the"grace period. It is nofi less than 25 dog. There is no grace ppeeriod an balance transfers or cosh advances. As more fully described m the section of your Cordmemb(or Agreement titled"tiow We Apply Payments,"we g�erally apply payments to your Account based on the APR applicable to the balance of each transaction c�teggorv. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Dais shown on thaF billing statement,Then,depending on the amount aF your payment and the APRs on other balances,you may not get a grace period on new purchases. Annual fee.If your Account has an annual fee,it will be billed at#fte beginning of each anniversary year our Account is open. The omaunt of the Foe appears an the statement when the fee is biiied. The annual tae is not refundyable unless you notify us that you wish to ciax your Account within 30 Boys of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that per How We Calculate interest Charges-Daily Balance Method(including currant transactions). We figure Interest Charges for each billing period, To do this: We calculate your?merest Charges separately for each balance subject to different terms(for example,standard purchases,standard�_osh advances and each purchase,balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the"doily aolonce"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 doily balance"to hove been your balance on the last day of your previous billing period. This gives us the daily balance for each transoc,.ion category. We figure the interest Charges on your Account by my tiplying the daily balance For each transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each dcrf during that billing period. When we calculate daily balances,we add a new transaction as of the Transacrion 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-he daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception o Cash Advance Fees which are added to the applicable cash advancs transaction category and Ba once Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. if your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you, You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800.347.7444. Discover may monitor and/cr record telephone calls between you and Discover representatives for quality assurance purposes, The Discovero card is issued by Discover Bank,Member FDiC 0lT8K172 Questions? Visit www.Discover.com or call 1-800-DISCOVER(1.800.34.7-2683). DISCOVER --- ---- DISC EIZ i 3 Information For You Your next automatic fixed amount payment of$300.00 will be on 02/10/11.Any payments made prior to this date and any credits applied to your Account for the billing cycle reflected on this statement may lower your do,tement balance and thus the scheduled DirectPoy amount. Need Cash? Whether it's for an unexpected bill or an emergency car repair,Discover(R)Card can clways 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(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashback Bonus for a$25 Bed Bath&Beyond gift card. MATION DISC*VER 0 z a 0 0 0 0 A (O V A V Quesfions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISC*VER New Balance .Minimum Payment Due Account Number ending in 4821 DISCOVER $7,785.54 :$154.00 Enter Amount Enclosed Below L-------------- Payment Due Date � March 13,241 l I Thank you for your Di.ectPay automatic payment. Your next automatic�ppaayment of$300.00 will be T on 03/10/11.See ransactions section for additional details. 18 SDSNSAOt 0004975 FRANK H MOf2GAN JR Text APP to DISCOW to receive a link to our free mobile app and pay your bill in seconds PO BOX 1392 from anywheret BRYN MAWR PA 19010-7392 PO BOX 71084 Illrrrl�rr,nrlilulrenlll CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? I I I I 1 1 1 1 1 1 rl1llr,11111111111)I1 1111 11 111 it IIIIIIif II oil 11411 Go to www.Discover.cam or print change in space above. 0000019864582 26973978077855000000000015400 Opening Date: January 19,2011- Closing Date: February 18,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $7,785.30 Minimum Payment Due $154.00 Account number ending in 4821 Payment Due Date March 13,2011 Previous Balance $7,777.72 Late Payment Waming:If we do not receive your minimum Payments And Credits 300.00 payment by the date listed above,you may hove to pay a late Purchases + 193.72 fee of up to$35.00 and your purchose and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. Fees Charged + 0.00 Interest Charged + 114.06 Minimum Payment Warning,.If you make only the minimum New Balance _ 7,785.50 payment each period,you will pcy more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information IV-1,...yo make no' Yost r1)�u off A,td you wlll end; addthcnal charges ffia balance sftawh vp paytngxri Credit Line $13,400.00 using tf�1s caultntl oJrtsis sta:errtextt esthtated#c?taf of Credit Line Available $5,614.00 each 111011th yot pay tobottt Cash Advance Credit Line $5,700.00 Cash Advance Credit Line Available $4,871.00 Only the minimum 40 years $33,461 You may be able to avoid Interest Charges,see Additional payment 9,978 Important Information for details. $277 3 year; Savings=$23,483) Cashback Bonuse If you would like information about credit counseling services, Anniversary Month call 1-800.347-1121. April Opening Cashback Bonus Balance $ 26.64 New Cashback Bonus This Period + 2.33 Cashback Bonus Balance $ 28.97 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online too':s like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1.800-347.2683), to pay down your balance,sorely access statements,pay Please have your Discovers card available. bills online and easily track ail transactions 3. Write to us at Discover,PO Box 30943, Salt lake City,UT 8d 130(Not a payment address) Make our money more=M—find eas y ways to earn For payments,please send to oddress on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197.6103 NEW[Access your account securely through your For MD(7elecommunfcations Device for the Deol) mobile phone assistance,please call 1-800.347-7449. Transactions Trans. Post Date Date Payments and Credits Feb 10 Feb 10 PHONE PAYMENT-THANK YOU $ -300.00 Merchandise Feb 8 Feb 8 AOL*SERVICE 0211 800.827.6364 NY $ 25.90 M280620382871610 Other/Miscellaneous ,Ian 20 Jan 20 IDENTITY THEFT PROTECT 800-347-3089 UT 9.99 Services Jan 18 Jan 19 SRR'XM SATELITERADIO 800-XMRADIO NY 157.83 T1,3 i F17CB,0 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements, •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messoces on your mobile phone. •Print a paper co?y of your statement anytime. •Sign up today of Discover.com/paperless 02010 Mcovet Bank,Marrbw FDIC PAPER.0310 Transacfions Trans. Post z (cont.) Date Date Fees TOTAL FEES FOR THIS PERIOD- $ 0.0-0 interest Charged INTEREST CHARGE ON PURCHASES $ 96.27 INTEREST CHARGE ON CASH ADVANCES 17.79 INTEREST CHARGE ON BA`ANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 114.06 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 227.89 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER _..-..__........_..........__._........- gN z r::J h pays to i FRANK H MORGAN 1R @� SCV� Account number ending in 4821 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 16.24% V $6,980.84 $96.27 Cash Advances 22.24% V $941.98 $17.79 V=Variable Rate Information For You Your next automatic fixed amount payment of$300.00 will be on 03/10/11.Any payments made prior to this date and any credits applied to your Account for the billing cycle reflected on this statement may lower your statement balance and thus the scheduled DirectPay amount. Earn 10%Cashback Bonus(R)at Barnes&Noble.com when you make your purchases online through ShopDiscover(SM)and use your Discover(R)Cardl Earn 5%to 20%Ccshback Bonus every day when you shop at over 150 top online retailers through ShopDiscover. Just visit ShopDiscover.ccm to start earning extra rewards todoyl Need Cash? Whether it's for an unexpected 6&i or an emergency car repair,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. Additional Important Information :See your Cardmember Agreement. Your Card member 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 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 on error on your bill,describe what you believe is wrong and why you believe It is a mists ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us,but if you do we are not required to investigate any potential errors and you may have to pay tt,e 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 o mistake,you will not have;o 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 BFahts 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 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 necesscry 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 advarces from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. IF all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake Citj,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. Aer we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send do it our payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your as describbove you guthorize us to use information on your check to ke an eleconic nd transfer from yor aouthfinancial ion indicated on your check or to process the pent as a chck transacion. If payment is procssed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn From your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of(our payment may be delayea if you send cash,correspondece or other items with your payment,if you send the payment to an�an!ci other address or iF you use an envelope other than th0--'ne provided. Payments received m proper form at our processing ity b y SM local time on any dayy will be cedited to your Account as othat day. Payments received ut our process facility after 5PM local lima wi116e credited to your Account as of tf a rr3>i day. if you have ed your envelopsend your payment to Discover,PO Box 6103 or 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 elecronic debit. NOTICE: SEE REVERSE SIDE FOR iMPORTAN-INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer serv,ce representative by calling 1.800.347-2683. Automatic payments will be deducted on the Payment Due Daie unless you request a recurring payyment date(e.g.,the 15th day of the month}that occurs before your Payment Due Date. If your scheduled payment date falls on a weekendd or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone,you will need this statement and your bank account information. You will be asked to provide the last four I.4Nigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa ment you authorize,in the amount selec-ed by you,From your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347-2683 or by mail at Discover,PO Box 30421,•Salt Lake City,UT 84 1 30.042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly,billing statement when your payment will be ma-'e and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement M nimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed an your monthly billing statement,your scheduled payment for that month will Be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cordmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only For the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statemenr based on credits or payments after the Closing Date. If you enroll by phone in our automat+c payment service,please fill-in the following blanks below and retain the authorization For your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ m Bank Routing#: ;Bank Account#: ;Frequency: z Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of ° your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete,please write 8 us at the following address: Discover,PO Box 15316,Wilmington,DE 19850.5316. Please indicate your name,address, A home telephone number and Account number. V Paying Interest: We oegin to impose interest charges on a transaction,fee or interest charge From the day we add it to the doily balance. We continue to impose interest charges until you pay the total amount you owe us. You can ovoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Payinq Interest on Purchases("Grace Period") y1F ou pat the New Balance on your previous i i�67 ing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges cn new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purc{iases that first appear on the current billing statement. How We Apply Pa menu Mau Im act Your Grace Period you o not pay your ew a ante in tull each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances.such as Balance Transfers. How We Figure the Daily Balance for Each Transacfion Category We start with the beginning balance for each day. The be inning balance for the first day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date cr the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the'Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. Tkie gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against tNs amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more alter 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or-ecord telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank,Member FDIC RZNFEOOI Questions? Visit www.Discover.com or call 1-800-DISCOVER ('-800-347-2683). DISCOVER New Balance Minimum Payment Due j Account Number ending in 4821 DISODIVEK $7,651.82 I$152.00 I Enter Amount Enclosed Below Payment Due Date April 13,2011 $ Thank you for your DirectPay automatic payment. Your next automatic payment of$300.00 will be on 04110/11.See Transactions section for additional details. 18 SDSNSA01 0004976 Text APP to DISCOV*to weive a link to our FRANK H MORGAN JR free mobile app and pay your bill in seconds PO BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 71084 iilrrriirunrlllrrinniii CHARLOTTE NC 28272-1084 Address,e-moil or telephone change? I..I I II I I I I I 1I II I I I I Go to www.Discover.com or print change in space above. 000001986458226973978076518200000000015200 Opening Date: February 19,2011 - Closing Date: March 18,2011 page I of 2 Discover More Card Account Summary Payment Information New Balance $7,651.82 Minimum Payment Due $152,00 Account number ending in 4821 Payment Due Date April 13,2011 Previous Balance $7,785.50 Late Payment Warning:If we do not receive your minimum Payments And Credits - 300.00 payment by the date listed above,you may hove to pay a late Purchases + 65,84 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. Fees Charged + 0.00 Interest Charged + 100.48 Minimum Payment Warning:If you make only the minimum New Balance $7,651.82 payment each period,you will pc;y more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information And�ouwiIf'encl Credit Line $13,400W Credit Line Available $5,748�00 7j ig Cash Advance Credit Line 15,700.00 W Cash Advance Credit Line Available $4,999,00 Only the minimum 39 years $31,845 payment liti I You may be able to avoid Interest Charges,see Additional $9,794 Important Information for details. $272 3 years -$2 Savings L rngs $22,051 I If you would like information about credit counseling services, A Coshback Bonus' If Month call 1-800.347-1121- April Opening Cashback Bonus Balance 28.97 New Coshback Bonus This Period + 0.65 Cash6ack Bonus Balance $ 29.62 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.tom Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683). to pay down your balance,securely access statements,pay Please have your Discover*card available. bills online and easily track a I transactions 3, Write to us at Discover,PO Box 30943, Soft Lake City,LIT 84130(Not a payment address) Make your money worth morasm—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 Deal) mobile phone assistance,Please call 1-800-3A7-7449, Transactions Trans. Post Date Date Payments and Credits Mar 10 Mar 10 PHONE PAYMENT-THANK YOU $ -300.00 Merchandise Mar 8 Mar 8 AOL-SERVICE 0311 800-827-6364 NY $ 25.90 M380520382871610 Mar 9 Mar 9 ASCENTIVE-FINALLYFAST 800,481-5734 PA 29.95 Other/Miscellaneous Feb 20 Feb 20 IDENTITY THEFT PROTECT 800-347-3089 UT 9.99 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone, •Print a paper copy of your statement anytime. •Sign up today of Discover.com/popedess 02010 Discover Bank,Member FDIC PAPER.031 I ---------- ------------ Transacfions Trans. Post z (cont•) Date Date Fees TOTAL FEES FOR THIS PERIOD $ OM C) Interest Charged INTEREST CHARGE ON PURCHASES $ 86.71 -4 INTEREST CHARGE ON CASH ADVANCES 13.77 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD '100.48 2011 Totals Year-lo-Date TOTAL FEES CHARGED IN M 1 $ 0.00 TOTAL INTEREST CHARGED IN 2011 328.37 Quesfions? Visit www.Discover.com or call 1-800-DISCOVER (1-800.347-2683), DISCOVER DISC V4 It pays to FRANK H MORGAN JR R �© Account number ending in 4821 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:28 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUB1ECf TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 16,24% V $6,961.04 $86.71 Cash Advances 22.24% V $807.25 $13.77 V=Variable Rate Information For You Your next automatic fixed amount payment of$300.00 will be on 04/10/11.Any payments made prior to this date and any credits applied to your Account for the billing cycle reflected on this statement may lower your statement balance and thus the scheduled DirectPay amount, This month,the featured Coshback Bonus(R)Redemption Partner is Bed Both&Beyond(R). Redeem$20 Cashback Bonus for a$25 Bed Bath&Beyond gift card. Put more interest back in your sovingst Move your money to a Discover(R)savings account and earn rates that have consistently beat the national average, Visit DiscoverBank.com or call 1-888-728-3212 and talk to a knowledgeable Banking Specialist any time,any day. Please be sure to mention offer code MSG0311. Additional Important Information Sao your CoMmembor Agreement. Your Cardmember Agreement contains all the terms of your Account. Last or stolen cards. Report immediotelyl Call 1.800-347.2683. What To Do If You Think You and 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 84130-0,42 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 in writin . You may coil us,but if you do we are not required to investigate any potential errors and you may have to pay i e amount in question. While we investigate whether or not there has been an error,the following are true: We con""'try to collect the amount in question,or report you as delinquent on that amount, The charge in questio»ma 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 hove to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question,yyou are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights if You Are Wssatisrred With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you iie goods or services,) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify_ 3.You must not yet hove fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contac-us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130.09,45 While we investigate,the some rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum :Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope 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 we use information from your check to make an electronic fund transfer,funds mm,be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check bark from your financial institution. The precessing of your payment may be delayed if you send cash,correspondence or other items with your poyment,if you- sentt 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 5PFA local time on any dayy will be credited to your Account as or that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the right to resubmit it as on electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI5COVER� You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote(e.g. the 151h as of the month)that occurs before your Payment Due Date- If your scheduled payment date falls an a weekend or bank holidaay,your payment will be processed the business day prior to the weekend or bank holiday, in order to schedule monthly payments b telephone,you will need this statement and your bank account information. You will be asked to provide the last four{4�digirs of the sociol security number of the primary borrower. By providing those numbers as your electronic signature,you 4 be agreeing to this out to allow us and your bank to deduct each pa ant yav authorize,in the amount selected by you,from your bank account. You also auHrorrze us to initiate debit or credit entries to Your bank account,as app licable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347-2683 or by mail at Discover,PO Box 30421,Salt lake City,UT 84130-0421;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions muss comply with U.S.law. You can set automatic payments for:-IQ statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.if your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in acco-dance with your Cardmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Dote. if you enroll by phone in our automatic payment service,please fill-in the fallowing blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ rs Bank Routing#: ;Bank Account#: ;Frequency: z Credit Reporting.We may report information about your Account to credit bureaus. late payments,missed payments,or c other defaults an your Account may be ref€ected in your credit report. We normally repod the status and payment history of your Accounfi to credit reporting agencies each month. if ou believe that our report a inaccurate or incomplete,please write g us at the Following address Discover,PO Box 153 t 6,W Imingfon,DE 1 4850.5 3 1 6. Please indicato your name,address, home telephone number and Account number, V rn Paying interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the � daily balance. We continue to impose interest charges until you pay tie total amount you awe us. You can ovoid ' interest on Purchases as descrioed below. However,you cannot ovoid paying irterest on Balance Transfers or Cash Advances. How to Avoid Pa ing_Interest on Purchases("Grace Period") ]Tyou paid the ell w Balance on your previous i inglf statement by the Payment Due Date shown on that billing statement,we will not impose interest charges an new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. Haw We A I Poo merits May Im d Your Grace Period IT you a nat pay yur New balance in full each month,t9en,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. Haw We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing pe{sod by first figuring the"daily balance"for each Transaction Category. Transaction Catseggoo�ies include standard Purchoses,stondc; Cash Advances and different promotional balances;such as Balance Transfers. Haw We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the kart day of your previous bilking period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date cr the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the'Paying Interest"section). Now We Figure Your Total Interest Charges We multiply the Baily balance for each Transaction Category by'its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up oil the daily interest charges. The sum is the total interest charge for the billing period. How We Include fees We add Balance Transfer Fees to the-applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Bate. Your statement shows a Balance Subject to Interest Rate. It shows this for each tronsoction category. The Balance Subject to Interest Rate is the overage of the daily balances during the billing period. , Credit Balances. If your Account has a credit balance,the amount is shown on tFe front of your billing statement. A credit balance is money that is owed to you_ You may make charges against this amount if your Account is open. We will send ou a reh.nd of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1.804-347-7444. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank,Member FDIC RZNFEOOt Questions? Visit www.Discover.com or ��sCrVER call 1-800-DISCOVER (i-800-347-2683). New Balance t Minimum Payment Due I Account Number ending in 4821 DISCOt3VER $9,537.92 $189.00 Enter Amount Enclosed Below Payment Due Date $ May 13,2011 Thank you for your DirectPay automatic payment. Your next automatic payment of$300.00 will be on 05110/11.See Transactions section for additional details. 18 SDSN6A01 0004977 FRANK H MORGAN JR TextAPPtoDISCOV`to receive alinktoour free mobile app and pay your bill in seconds PO BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 71084 lllfrrllrr�rf�INrJrrrrllf CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Inlflluln�lrllntlulrlrnilllnrinlrrlullululnlrlull Go to www.Discover.com or print change in space above. 000001986458226973978095379200000000018900 Opening Date: March 19,2011 - Closing Date: April 18,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $9,537.92 Minimum Payment Due $189.00 Account number ending in 4821 Payment Due Date May 13,2011 Previous Balance $7,651.82 Late Payment Warning:If we do not receive your minimum Payments And Credits - 300.00 payment by the date listed above,you may have to pay a late Purchases + 70.89 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 2,000.00 APR of 21.24%variable. Fees Charged + 0.00 Interest Charged _ + 115.21 Minimum Payment Warning:If you make only the minimum New Balance $9,537.92 payment each period,you will pcy more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information tf jrbft make no You wry pav off A yorx vrflf end Credit line $14,700.00 s�dditfonal charges thebalonceshatvn ufi pay,ng ari Credit Line Available $5,162.00 as1n�Jf fs Bard aril! orrillfs stccemgrtt 6sf rtlated Tcrnl,af e.tECh:ln""vnth::. i(rak?osit Cash Advance Credit Line $5,700.00 Cash Advance Credit Line Available $3,133.00 Only the minimum 52 years $55,070 You may be able to avoid Interest Charges,see Additional payment 12,391 Important Information for details. $344 3 years Savings=$42,6791 Cashback Bonus® If you would like information about credit counseling services, Anniversary Month toll 1-800-347.1121. April Opening Cashback Bonus Balance $ 29,62 New Cashback Bonus This Period + 0.70 Cashback Bonus Balance $ 30.32 To learn more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Disca%w.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800.347.2683 1. fo pay down your balance,securely access statements,pay Please have your Discover®cord available. bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, Make our money worth rnore�M—find easy was to earn Salt lake City,U7 84130(Not a payment cddressl Y Y Y Y For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197.6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deafl mobile phone assistance,please call 1-800-347.7449. Transactions Trans. Post Date Date Payments and Credits Apr 10 Apr 10 PHONE PAYMENT-THANK YOU $ .300.00 Merchandise Apr 8 Apr 8 AOL*SERVICE 0411 800-827-6364 NY $ 25.90 Other/Miscellaneous Mar 20 Mar 20 IDENTITY THEFT PROTECT 800.347.3089 UT 9.99 Travel/Entertainment Mar 28 Mar 28 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 Cash Advances Apr 14 Apr 14 CASH ADVANCE CHECK#6030 USA 2,000.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. See your statement as soon as it's available rather than wait for it to arrive in your mailbox. Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. •Sign up today ai Discovercom/paperless 02010 Discover Bank,Mewbw FDIC PAPER.0310 Transactions o Trans. Post z (cont.) Date Date g Interest Char ad °o 9 INTEREST CHARGE ON PURCHASES $ 96.29 g INTEREST CHARGE ON CASH ADVANCES 18.92 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 `r TOTAL INTEREST FOR THIS PERIOD 115.21 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 443.58 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to FRANK H MOPGAN A DISC',DNEIZ Account number ending in 4821 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rote on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANTERESCE suBjEa To INTEREST CHARGE RATE(APR) INT RATE Purchases 16.24% V $6,982.94 $96.29 Cash Advances 22.24% V $1,001.53 $18.92 V=Variable Rate Information For You Your next automatic fixed amount payment of$300,00 will be on 05110111.Any payments made prior to this date and any credits applied to your Account for the billing cycle reflected on this statement may lower your statement balance and thus the scheduled DirectPay amount. This month,the featured Cashbock Bonus(R)Redemption Partner is Bed Both&Beyond(R). Redeem$20 Cashback Bonus for a$25 Bed Both&Beyond gift card. Protect your purchases with a SquareTrade Care Plan! Shop anrahere with your Discover Card and got your warranties through our preferred provider SquarsTrade. Please visit www.discovercard.,com/protection-solutions/warranty.htmi for details. Additional Important Information See your CoMmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediaivlyl Call 1-800-347-2683, What To Do if You Think You Find A Mistake Ott Your Statement if you think there is on error on your statement,write to us at: Discover,PO Box 30421,Solt take 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. of Problem; If you think there is an error on your bill,describe what you believe is wrong and why you believe 1t4'91,--V=k,. You mud contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors 1' W it* . You may call us,but if you do we are net required to investigate any potential errors and you may hove to. ,It—.21MU."untin question. While we investigate whether or not there has been on error,the following are true: We cannot try to collect the amount in question,or report you as delinquent on that amourr.. 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, ore responsible For the remainder of your balance. We can apply any unpaid amount against your credit Mt. Your E!qfits If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Illote: Neither of these are necessary if your purchase was bosed on on advertisement we mailed to you,or if we own the company that sold you the goods or services,) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you ore still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-094$ While we investigate,the some rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amour-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 Me Date, Send only your payment and the top portion of this statement in the envelope I -d above,you authorize us to use information on your check royjcled� Do not send cash, By sending your check as describe a make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be w Mrown from your account as soon as the some day we receive your payment,and you will not receive your check back from your financial institution. The processing of jr payment maybe delayed if you send cash,correspondence or other items with ur payment,if you $e your any other oddr;ss or if you use an enyelopi�.other than the one provided. Pa)yneng:'received in proper form at c`vr�processing facility by 5PhA local time on any d '0 be credited to your Account as of intot day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197-6103. Please allow 7-10 days for delivery, If your payment is returned unpaid,we reserve the rigl t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You con pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683. A.rtomatic payments will be deducted on the Payment Due Dote unless you request a recurring in date{a. the 15th day of the month)that occurs before your Payment Due Date- If your scheduled payment date{alts on a ant weaken bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,you will need this statement and you bank account information. You will be asked to provide the last four(4rdigits of the social security number of the primary borrower, By providing those numbers as your electronic signature,you+rill be agreeing to this authorization to alto,;.,us and your bank to deduct each payment you authorize,in the amount selecied by you,from your bank account. You also out-rorize us to initiate debit or credit entries to your bank account,as apppplicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800 347-268 3 or by mail at Discover,PO Box 30421,Salt lake City,UT 84130.0421;however we must receive notice or least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much d will be. You must ensure that sufficient funds ore availoblte in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for.(1)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will Be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If your scheduled payment is greater than the New Balance on your brAm statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less tan the amount indicated on the periodic statement based on credits or payments after the Closing Date. if you enroll by phone in our automatic payment service,please fill-in the Followirg blanks below and retain the authorization For your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay t$ ©Raced Pay$ m Bank Routing#: ;Bank Account#: Frequency: cn Z Credit Reporting.We may report information about your Account to credit bureaus, Late payments,missed payments,or n other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of ° your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete,please write g us at the following address: D�scover,PO Box 15316,Wilmington,DE 19850-5316. Please indicate your name,address, g home telephone number and Account number. Paying Interest We begin to impose interest charges on a transaction,fee or interest charge from the day we add it to the daily alance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid -4 paying interest on Purchases as described below. However,you cannot ovoid paying interest on Balance Transfers or Cash Advances. How to Avoid Pavinq Interest on Purchases "Grace Period" you poi t e ew once on your previous i ing statement by the Payment Cue Date shown on that billing statement,we will not impose interest charges on new Purchases ar any portion of anew Purcl-ose,paid by the Payment Due Date an your current billing statement. New Purchases are Puictase;that first appear on the current billing statement. How We APPIv Pa ments Ma Im act Your Grace Period yov o not pay your ew a nce in each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction CatepDries include standard Purchases,standard Cash Advances and different prorrotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the tai day of your previous billing period, We add any interest charges accrued on the previous dcy's daily balance and any new transactions and fees. We add an new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the'Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the doily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Cctegory. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against his amount of your Account is open. We will send you a refund of any remaining balance of$1.0(7 or more oFer 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Dovke for the Deaf)assistance,please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover0cord is issued by Discover Bank,Member FDIC ttztvPeaot Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCIOVER _7 New Balance j Minimum Payment Due j Account Number ending in 4821 DISCC.3,1VEK $9,350.53 $185.00 Enter Amount Enclosed Below Payment Due Date June 13,2011 $ Thank you for your DirectPay outomatic8x oWerd. Your next automcric_payment of$300. will be on 06/10/11.See ransactions section For 18 SDSN6AO1 0004978 additional details, FRANK H MORGAN JR Text APP to DISCOW to receive a link to our free mobile app and pay your bill in seconds PO BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 71084 lllutllnnrilllnlunlll CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? 1 1.11 111111111111141 of off 1111 1111111 11111111 JII 1111114 111 Go to www.Discover.com or print change in space above. 000001986458226973978093505300000000018500 Opening Date: April 19,2011- Closing Date; May 18,2011 page I of 2 Discover More Card Account Summary Payment Information New Balance $9,350.53 Minimum Payment Due $185,00 Account number ending in 4821 Payment Due Date June 13,2011 Previous Balance $9,537,92 Late Payment Worming:if we do not receive your minimum Payments And Credits - 363.20 payment by the dote listed above,you may have to pay a late Purchases + 35.89 fee of up to$35.00 and your pumhose and balance transfer Balance Transfers + 0.00 APRs for now transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. Fees Charged + 0.00 Interest Charged + 139,92 Minimum Payment Waminq:If you make only the minimum New Balance $9,350.53 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information M $14,700.00 AN Credit Line Credit Line Available $5,349.0 Cash Advance Credit Line $5,700.00 Cash Advance Credit Line Available $3,289.00 Only the minimum 51 years $52,983 You may be able to avoid Interest Charges,see Additional Payment I . Important Information for details. 7 3 years Savings$12,13 Coshback Bonuse If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121, April Opening Cashback Bonus Balance $ 30.32 New Cashbock Bonus This Period + -0.07 Cashback Bonus Balance $ 30.25 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discov%vr.c*m Access free online tools like P3ydown Planner to create a plan 2. Coll 1-800-DISCOVER(1-800-347-2683). to pay down your balance,securely access statements,pay Please have your Discovers card avoilable. bills online and easily track all transactions 3. Write to us at Discover,PO Box 309A3, Salt Lake City,UT 84130(Not a payment address) Make your money worth rr-ctrestA—fincl 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 Deal) mobile phone assistance,please call 1-800-347-74-49. Transactions Trans. Post Date Date Payments and Credits May 10 May 10 PHONE PAYMENT-THANK YOU $ .300,00 May 17 May IS SIRIUSXM.COM-800-XMRADIO NY -63.20 RI-5829877,329 Merchandise May 8 May 8 AOL*SERVICE 0511 800.827-6364 NY $ 25N0 M580520382871610 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER ............. Paperless statements mean less clutter, more convenience Easily access up to 24 months of downicadable,password protected statements. •See your statement as soon as it's available rather than wait""Or it to arrive in your mailbox, •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discover.co►n/paperless 02010 Discover Bank,Mernbxr FDIC PAPER 0310 ....................--j Transocfions Trans. Post z (cont.) Date Date Other/Miscellaneous Apr 20 Apr 20 IDENTITY THEFT PROTECT 800-347-3089 LIT 9,99 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 92,88 INTEREST CHARGE ON CASH ADVANCES 47.04 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 139.92 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 583.50 Questitons? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISO1; �p It pays to j FRANK H MORGAN A , E Account number ending in 4821 -------DISC VER--- page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 16.24°: V $6,959.40 $.92.88 Cash Advances 22.24% V $2,573.47 $.47.04 V=Variable Rate Information For You Your next automatic fixed amount payment of$300.00 will be on 06/10/11.Any payments made prior to this date and any credits applied to your Account for the billing cycle reflected on this statement may lower your statement balance and thus the scheduled DirectPay amount. Every Purchase Counts) Every time you use your Discover(R)card,you earn unlimited cash rewards automat tally. Use your card for everyday purchases,monthly bill payments or for someth:ng special. Make your money worth more-today and every dayl Need Cash? Whether it's for on unexpected biC or an emergency car repair,Discover(R)card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cesh to find out more. Additional Important Informafion See your Cardmember Agreement. Your Cardrnember Agreement contains all the terms of your Account. Lost or stolen cards. Report immedialelyl 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 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 mists e, You must contact us within 60 days after the error appeared on your statement. You must notily us of any potential errors in�writ,.. You may call us,but if you do we are not required to investigate any potential errors and you may have to pay H-e 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 an that amount. The charge in question may remain on your statement,and we may continue to charge you interest on that amount. But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit, Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your 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 advarces from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid For the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe on amount and you do not pay we may report you as delinquent. Payments. You may pay all or port of your Account balance at anytime. 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.nlormation on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic Fund transfer,the transfer will be for the amount of 'the check. When we use information From your check to make an electronic fund transfer,funds may be wilhdrawn from your account as soon as the some day we receive your payment,and you will not receive your check back from your financial institution. The processing of your payment may be delayer 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 ervel0 p0 other than the one provided. Payments receved m proper form at our processing facility by 5PAA local time on anawill be credited to your Account as o that dayPayments rceived at our processing facility after 5PM local time ll e credited to your Account of thnext day. If yohave miplacd your nvlop , nd your yment to Discov ,PO Bcx 6103 Carol Stream,IL 60147-6103. Please allow 7-10 days for delivery. IF your payment is retuned unpaid,we reserve the rig(it to resubmit it as an eW ranic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ant date(e.g.,the 15th do y of the month)that occurs before your Payment Due Date_ IF your scheduled payment date falls on a weekend or bank holiday,ym;r payment will be processed the business day prior to the weekend or bank holiday. in order to schedule monthly payments b telephone,you will need this statement and your bank account information. You will be asked to provide the last four(4Nig!#s of the social security number of the primary borrower. By providing those numbers as your electronic signature,you wi l be agreeing to this avthorization to allow us ar d your bank to deduct each payment you authorize,in the amount$electad by you,from your bank account. You also authorize us to initiate debit or credit entries to Your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone of 1- 800347-2683 or by mail at Discover,PO Box 30421, wit Lake City,U7 841 30 042 i;however we must receive notice at Isas#throe business days in odvance of the scheduled payment. If your payments may vary in amount, we will tall you an each monthlyy billing statement whan your paymant will be made and how much it will be. You must ensure that sufficient funds are ovailable in your bank account,and all transactions must comply wh U.S,law, You can set automatic payments for:(i)statement Now Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as fisted on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.if the scheduled payment is reater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If"your scheduled payment is greater than the Now Balance on your bifliv statement,that payment will ba processed only for the amount of your New Balance.Your automatic payment amount ma�be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount. ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: in Credit Reporting. We may report information about your Accoulf to credit bureaus. Late payments,missed payments,ar c other defaults on your Account may be reffectad in your credit reppoart. We normally report the status and paymant history of your Account to credit raporiing agencies each month. If au believe that our reppaarf is inaccurate or incomplete,please write g us at the Following address: Discover,PO Box 153 i b,W�Imingtan,DE 19850 5314. Please indicate your name,address, home telephone number and Account number. Paying Interest. We begin to impose interest charges on a transaction,fee or interest charge from the day we add it to the doily alance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid prying interest on Purchases as described below. However,you cannot avoid paying irterest on Balance Transfers or Gash Advances. How to Avoid Payin Interest on Purchases f"Grace Period" It you pas the New balance on your previous billing statement by the Payment Clue Date shown on that billing statement,we will not impose interest charges an now Purchases or on portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We A I Pa ments May Im ct Your Grace Period IT you a not pay your Now t5olance in tull each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balance;.such as Balance Transfers. Haw We Figure the Doily Balance For Each Transaction Category We start with the bening balance for each day. The beginning bolance for the first day of the billing period is your balance on the'Est day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any now transactions or fees as of the later of the Transaction Date cr the first day of the billing period in Which the transaction or Fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the'Paying Interest"section). }low We Figure Your Total Interest Charges We multiply the Bailyy balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. TY:is gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash.Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against&is amount if your Account is open. We will send you a refr.;nd of any remaining balance of$1.00 or more aber 6 months,or as otherwise required by applicable law. For MD(Telecommunications Device for the Deaf)assistance,please call 1-804.347-7444. Discover may monitor and/or•ecord telephone calls between you and Discover representatives for quality assurance purposes. The Discovero card is issued by Discover Bank,Member FDIC RZNFEOOI Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER ('-800-3,47-2683). New Balance Minimum Payment Due Account Number ending in 4821 DISCOVER $9,201.83 $182.00 _ Enter Amount Enclosed Below Payment Due Date July 13,2011 Thank you for your DirectPay automatic payment. Your next automatic payment of$300.00 will be on 07/10/11.See transactions section for additional details. 18 SDSN6A01 0304979 FRANK H MORGAN JR Text APP toDISCOV'to receive a link toour free mobile app and pay your bill in seconds PO BOX 1392 from anywhere' BRYN MAWR PA 19010-7392 PO BOX 71084 IIln,nnnnlllr,1u a 111 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Ir�li(IIrI���Irilrlllr�Il�r�rllllrr�Irrlr,Irrll,rlr,Irrillrrll Go to www.Discover.com or print charge in space above. 000001986458226973978092018300000000018200 Opening Date: May 19,2011 - Closing Date: June 18,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $9,201.83 Minimum Payment Due $182.00 Account number ending in 4821 Payment Due Date July 13,2011 Previous Balance $9,350.53 Late payment Warning:If we do not receive your minimum Payments And Credits 300.00 payment by the date listed above,you may have to pay a late Purchases + 9.99 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 21.24%variable. Fees Charged + 0.00 Interest Charged + 141.31 Minimum Payment Warning:If you make only the minimum New Balance $9,201.83 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information If:'""u':'""tikes;` >` <:;::>y.;::`:.1:+:.yam n4 u wrf gay aff And you v t11 end Credit Line $14,700.00 ttddltlonal charges the(ialanceahown up payrng csn. usrng this card and onilrs sfaseent egttmated totbl of Credit Line Available £5,498.00 eachiTrnfh ti .Q H,la c+bout Cash Advance Credit Line $5,700.00 yt?...p..Y °^ Cash Advance Credit Line Available $3,357.00 Only the minimum 50 years $51,454 You may be able to avoid Interest Charges,see Additional payment 11,943 Important Information for details. $332 3 years Savings=$39,511 ) Cashback Bonus® If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. April Opening Cashback Bonus Balance $ 30.25 New Cashback Bonus This Period + 0.02 Cashback Bonus Balance $ 30.27 To learn more,log in al www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discm-ar.com Access free online tools like Paydown Planner to create a plan 2. Coll 1-800-DISCOVER(1.800.347-2683). to ay down your balance,securely access statements,pay Please have your Discover®card available. bile online and easily track al 7ansadions 3. Salt L k us at Discover,PO Box 30943, Make our money worth mora�m—find easy ways to earn Solt Lake City,UT 84130(Not a payment address) and redeem cash rewards y � For payments,please send to address on remittance or Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347.7449. Transactions Trans. Post Date Date Payments and Credits Jun 10 Jun 10 PHONE PAYMENT-THANK YOU $ -300.00 Other/Miscellaneous May 20 May 2C IDENTITY THEFT PROTECT 800-347-3089 UT $ 9.99 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 95.07 INTEREST CHARGE ON CASH ADVANCES r 46.24 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodoble, password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless 02010 Dixover Bank,Menber FDIC PAPER.0310 , -------._._............_........_.—...._.__......_.__...,__—_.... __..—._._...... Transactions o Trans. Post z (cont.) Date Date n 0 0 0 Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS ° $ 0.00 TOTAL INTEREST FOR THIS PERIOD 141.31 V 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 724,81 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800.347-2683). DISCIOVER IDA It poys to FRANK H MORGAN 1R SC E ' Account number ending in 4821 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL UAAL PERCENTAGE BALANCE ST SUBJECT T TO INTEREST CHARGE Purchases 16.24% V $6,893.82 $95.07 Cash Advances 22.24% V $2,447.96 $4614 V=Variable Rate Information For You Your next automatic fixed amount payment of$300.00 will be on 07/10/11.Any payments mada prior to this date and any credits applied to your Account for the billing cycle reflected on this statement may lower your statement balance and thus the scheduled DirectPay amount. This month,the featured Cashback Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashback Bonus For a$25 Bed Both&Beyond gift card. Now is the perfect time for a student to apply for a Discover(R)Student More(R)card. By using credit responsibly,students can establish a good credit history that will help them when they need a car loan,rent an apartmerl,or apply for a job. Help a student you know choose the right offer at www.opplyDiscovercard.com Invitation code:RHZC. Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account, Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do If You Think 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,Soft Lake City,UT 8,4130-0421. n your letter,give us the following information: Account information: Your name and account number. Dollar amount.The dollar amount of the suspected error. Description f.Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe It is a mists You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us,but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there itas been an error,the Following are true: We cannot try to collect the amount in cuestion,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 to 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 agairst your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must 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 ore necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must 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 cccount do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130.0945 While we investigate,the 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 amourr 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 fo make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. IF payment is processed as an electronic fund transfer the transfer will be for the amount of the check. When we use information from yourcheck to make on electronic fund transfer,Funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper Form at our processing facility by 5PM local time on any day wil 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 60197.3103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ment date(e.g, the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone,you will need this statement and your bank account information. You will be asked to provide the last four(4rdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa ment you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as apppplicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-3 17-2613 or by mail at Discover,PO Box 30421,Salt Lake City,UT 84130-0421;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each mor:thiy billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are availablle in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:;i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Poymert Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled payment is reater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.Ifgyour scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our"omatic payment service,please fill-in the followirg blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or n other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of ° your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete,please write °o us at the following address: D scover,PO Box 15316,Wilmington,DE 19850_5316. Please indicate your name,address, A home telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction,fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Coshh Advances. How to Avoid Paying Interest an Purchases "Grace Period" you paid the Now Balcinceonyour previous bill ing statement by the Payment Cue Date shown on that billing statement,we will not impose interest charges on nevv Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Aoolv Pa ments Ma Im a i Your Grace Period ff you o not pay your ew a nce in each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the."daily balance"for each.Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beegginning balance for the first day of the billing period is your balance on the last day of your previous billing periad. We add any interest charges accrued on the previous dcy's daily balance and any new transactions and fees. We add any new transact ions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract cny new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the BailK balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the doily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Cctegory. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover")card is issued by Discover Bank,Member FDIC RZNFE00} Questions? Visit www.Discover.com or call 1-800-DISCOVER i1-800-347-2683). DISCOVER DISCO, New Balance f Minimum Payment Due 1 Account Number ending in 4821 VER ER $9,372.53 ; $367.00 Enter Amount Enclosed Below Payment Due Date August 13,2011 18 SDSN6AOt 0004980 FRANK H MORGAN JR Text APF to DWOV*to receive a link to our free mobile app and pay your bill in seconds PO BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 71084 lll,r,il,,,,r,IILJ,,,rli1 CHARLOTTE NC 28272-1084 Address,e-mail or telephone changed In lrllnlurlrllnrlulrinrllllnrJnlnlrrilulnlulrinll Go to www.Discover.com or print change in space above. 000001986458226973978093725300000000036700 Opening Date: June 19,2011 - Closing Date: July 18,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $9,372.53 Minimum Payment Due* $367.00 Account number ending in 4821 Payment Due Date August 13,2011 Previous Balance $9,201.83 *Includes post due amount of$182.00 Payments And Credits 0.00 Purchases + 9.99 Late Payment Warning:if we do not receive your minimum Balance Transfers + 0.00 Payment by the date listed above,you may have to pay a late Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 25.00 APRs for new transactions may be increased up to the Penalty Interest Charged + 135.71 APR of 21.24%variable. New Balance 9,372.53 Minimum Payment Warning:if you make only the minimum See Interest Charge Calculation section following payment each period,you will pay more in interest and it will transactions for detailed APR information take you longer to pay off your balance.For example: Credit Line $14,700.00 I f�c u trreCke n6. Yauverlf pay vff tf,e ...Ai+d ywv visll end Credit Line Available $5,327.00 ad$ttiartth4iryg bpfdnc2 shcrrits on us{iayt»g an Cash Advance Credit Line $5,700.00 usrng tl[s car�#'o�d thissfatemerttati estlmafied 1ota1 u Cash Advance Credit Line Available $3,357.00 each month you pay gbo�1 <.•...• Only the minimum 50 years $51,759 Cashback Bonus® payment Anniversary Month April If you would like information about credit counseling services, Opening Cashback Bonus Balance $ 30.27 call 1-800-347.1121. New Cashback Bonus This Period + 0.02 Cashback Bonus Balance $ 30.29 To learn more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discovar.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1.800.347-2683). to pay down your balance,securely access statements,pay Please have your Discover®card available. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 841 X30(Not a payment address) Make your money worth moray—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 NEWT Access your account securely tFrough your For TDD(Telecommunications Device for the Deaf} mobile phone assistance,please call 1-800-347.7449. Transactions Trans. Post Date Date Payments and Credits Jul 10 Jul 10 PHONE PAYMENT-THANK YOU $ -300.00 Jul 13 Jul 10 RETURNED PHONE PAYMENT 300.00 Other/Miscellaneous Jun 20 Jun 20 IDENTITY THEFT PROTECT 800.347-3089 UT $ 9.99 Foes Jul 13 Jul 13 LATE FEE $ 25.00 TOTAL FEES FOR THIS PERIOD 25.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 91.63 INTEREST CHARGE ON CASH ADVANCES 44.08 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC9VER ------------ Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today of Discovercom/poperless + 02010 Discover Ronk,Member FDIC PAPER.0310 Transactions 0 0 Trans. Post (coat.) Date Date o 0 0 Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS c $ 0.00 ID TOTAL INTEREST FOR THIS PERIOD 135.71 0 2011 Totals Year-to-Date W TOTAL FEES CHARGED IN 2011 $ 25.00 TOTAL INTEREST CHARGED IN 2011 860.52 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER gip It pays to FRANK H MORGAN JR L�NSIC � � �_ Account number ending in 4821 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual merest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 16.24% V $6,865.59 $91.63 Cash Advances 22.24% V $2,411.30 $44.08 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your.Account. Lost or stolen cards. Report immediatelyl Call 1.800-347-2683. What To Do 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 letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. Description f.Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe his a mists e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You mcy 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 ycvr statement,and we may continue to charge you interest on that amount. But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your 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-he merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances From an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in wri;ina at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the some rules rsPply to the disputed amount as discussed above. After we finish our may report You we u as will delinquent,tall you our decision. At that point,if we think you owe an amount and you do not pay we Payments.You m a Y pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by ihs Payment Due Dote. Send only your payment and the top portion of this statemerrt in the envelope pprovrded. 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 fransFer from your account at the financial institution'indicated on your Bieck 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 he check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn From your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of your payment may be delayed iF you send cash,correspondence or other items tivith your payment,if you send the payment to any other address or if you use an envelope other than fhs one provided. Payments received m proper Form at our processing facility by 5P h5 local time on any dayy wilt be credited to your Account as of that day. Payments received of our processmg facility after SPM local time wifl 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 far 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'CC*VE You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer serrice representative by calling 1-$00.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring paymant date(e. .,the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date Talks an a weaken bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b tele�pphone,you will need this statement and your bank account information. You will be asked to provide the last#our ld�digrts of the social security number of the primary harrower. By roviding those numbers as your electronic signature,you will be agreeing to this authorization to)[law us and your bank to deduct each pa meat you authorize,in the amount selected by you,from your bank account. You also authorze us to initiate debit or credit entries to Your bank account,as apppplkable,to correct on error in the processing of such payment. You can canes!a scheduled payment by phone at 1.800 3d?•2b$3 or by moil at Discover,PO Box 30421,Sait Lake City,UT$d 130.0421;however we must receive notice et least three business days in advance of the scheduled pay neat. !f your payments may vary in amount, we will tell you on each monthly biding statement when your payment will be made and how much it will be. You must ensure that sufficient funds ore available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement Now Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due,if the scheduied payment is ggreater than the Minimum Payment Due,any excess will be applied in accordance with your Cordmember Agreement.If your scheduled payment is greater than the New Balance on your billintatement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount ma,/%:less roan the amount indicated on the periodic statement based on credits or payments after the Closing Date, Ifyou enroll by phone in our cutomotic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ yr Bank Routing#: ;Bank Account#: ;Frequency: z Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or a other defaults on your Accbuni may be reflected in your credit report. We normally report the status and payment history of your Account to credit reposing agencies each month. IF ou believe that our report is inaccurate or incomplete,please write g us at the following address: Discover,PO Box 15316,Wilmington,DE 19850-5316. Please indicate your name,address, g home telephone number and Account number. S Paying Interest: We begin to impose interest charges on a transaction,fee or interest charge from the day we add it to the p daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paving Interest on Purchases("Grace Period") If you paid the New a a13 f nce on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on now Purchases or an portion of a new Purchase,paid by the Payment Due Dote on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. HowWeAppl,yPo menu 4,.Im eat Your Grace Period It you o not pay your ew a ante in tull each month,flien,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figguring the"daily balance"for each Transaction Category, Transaction Categories include standard Purchoses,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance an the(Last day of your previous billing period We add any interest c-targes accrued on the previous day's daily balance and any new transactions and fees. We add any now transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the'Paying Interest"section), Haw We figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its doily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate,. we divide the APR that applies to the Transaction Category by 365. We add up all the deify interest charges. The sum is the total interest charge for the billing period. Now We Include Fees We add Balance Transfer Fees to the applicable Bolonae Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate, ii shows this for each transaction category. The Balance Subject to Interest Rate is the average of the roily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown an the front of your billing statement_ A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD frelecommunicotions Device for the Deaf)assistance,please call 1-800.347-7444. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover0card is issued by Discover Bank,Member FDIC UNFE001 Questions? Visit www.Discover.com or DISCOVER cal( 1-800-DISCOVER (1-800-347'-2683). New Balance Minimum Payment Due Account Number ending in 4821 Ev"'ISCOVER N B 37 1$555.00 i Enter Amount Enclosed Below Payment Due Date September 13,2011 $ 18 SDSN6AOI 0004981 FRANK H MORGAN JR Please see"Notice of Changes to A\rmeo�I PO BOX 1392 1 your Interest Rates"section BRYN MAWR FA 19010-7392 PO BOX 71084 • of t11..I I 1111111 IF,1.111 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above,, 0000019864S8226973978095603700000000055500 Opening Date: July 19,2011 - Closing Date: August 18,2011 page I of 2 Discover More Card Account Summary Payment Information New Balance $9,560.37 Minimum Payment Due* $555.00 Account number ending in 4821 Payment Due Date September 13,2011 Previous Balance $9,372.53 *Includes past due amount of$367.00 Payments And Credits 0.00 Purchases + 9,99 Late Payment Warning:If we do not receive your minimum Balance Transfers + 0,00 payment by the date listed above,you may have to pay a late Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 35.00 APRs for now transactions may be increased up to the Penalty Interest Charged + 142,85 APR of 21.24%variable. New balance 9,_566._37 Minimum Payment Warning:If you make only the minimum See Interest Charge Calculation section following payment each period,you will pay more in interest and it will transactions for detailed APR information take you longer to pay off your balance.For example: Credit Line $14,700.00 1 % Credit Line Available $5,139.00 a dd Itanaf clzttrges Cash Advance Credit Line $5,700,00 Cash Advance Credit Line Available $3,357.00 Only the minimum So y,,, $52,130 Cashback Bonue Anniversary Month payment April If you would like information about credit counseling services, Opening Cashback Bonus Balance $ 30.29 call 11-800.347-11121. Now Cashback Bonus This Period + 0.02 Cashback Bonus Balance $ 30.31 To loorn more,log in of www.Dtscover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Povdown Planner to create a plan 2. Call 1-800-DISCOVER f1.800.347-26831. to pay down your balance,securely access statements,pay Please have your DiscoverO card available. 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 more SM—find easy ways to eam For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197.6103 NEWT Access your account securely through your For TDID(Telecommunications Device for the DeoQ mobile phone assistance,please coil 1-800.347-7449. Transactions Trans. Post Date Date 016r/Miscellaneous Jol 20 Jul 20 IDENTITY THEFT PROTECT 800347-3089 UT $ 9.99 Fees Aug 13 Aug 13 LATE FEE $ 35,00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 9645 INTEREST CHARGE ON CASH ADVANCES 46.40 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 142-85 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER I Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone, i •Print a poper copy of your statement anytime. •Sign up today at Discovercom/poperless 1 I 02010 Discover Bonk,Member FDIC ' PAPER.0310 rn 0 CD Z a, n 0 0 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 60.00 0 TOTAL INTEREST CHARGED IN 2011 1,003.37 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCVVER DISCOs It pays to �T v FRANK H MORGAN JR VER � Account number ending in 4821 �.__.>�15CVER..___ page 2 of 2 �1. Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 21.24%on new transactions die to a late payment(s) and its effect on your creditworthiness. This APR will vary with the market based on the Prime Rate.* This change will impact your account as follows: Purchases made on or after 9/7/11: As of 10/19/11, 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 9/7/11 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 + 17.99% (corresponding daily periodic rate of 0.05819°/x). Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual nterest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECf TO INTEREST CHARGE RATE Purchases 16.24% V $6,994.62 $96.45 Cash Advances 22.24% V $21156.52 $46.40 V=Variable Rate Additional Important Information 'See your Cardmemher 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 Fmd 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 941130-04211. In your letter,give us the following information: Account informafion: 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 mistake, You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing You may callus,but if you do we are not required to investigate any potential errors and you may have to pay t e amount in question. While we investigate whether or not there has been an error,the following are true: We cannot try to collect the amount in question,or report you as delinquent on that amount. The charge in question may remain on your statement,and we may continue to charge you interest on that amount. But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount, While you do not have to pay the amount in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Riahts If You Are 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?he merchant,you may have the right not to pay the remaining amount due on the purchase, To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have Fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130.0945 While we investigate,the some rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may ay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the I�ayment Due Dale. Send oily 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 on electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic Fund 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 bock from your financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you send the payment o any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing Facility by 5Ph1 local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 6019.7.0 103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�t to resubmit it as an electonic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you car.setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring po ment date e.g.,the 15th day of the month that occurs before your Payment Due Date. IF your scheduled payment date falls on a weekend or bank holiday,yolr payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly 3oyments by telephone,you will need this statement and yojr bank account information. You will be asked to provide the last four 141 digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be ogreeing to this authorization to allow us and your bank to deduct each pa ment you authorize,in the amount selected by you,From your bank account. You also authorize us to initiate debit or credYt entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800-."•.47-2683 or by mail at Discover,PO Box 30421,Salt lake City,UT 84 1 30-042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthyy billing statement when your payment will be made and how much It will be. You must ensure that sufficient Funds are avafable in your bank account,and all transactions must comply with U.S,law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,{iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If your scheduled payment is greater than the New Balance on your billing statemprocessed ent,that payment will be proce only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the?eriodic statement based on credits or payments after the Closing Date. IF you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ m Bank Routing#: ;Bank Account#: Frequency: cn Credit Reporfing, We may report information about your Account to credit bureaus. Late payments,missed payments,or o other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete,please write °o us of the following address: Discover,PO Box 15316,Wilmington,DE 19850.5316. Please indicate your name,address, ° home telephone number and Account number. 01 Paying Interest: We begin to impose interest charges on a transaction,fee or interest charge from the day we odd it to the daily balance. We continue h impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as descr bed below. However,you cannct avoid paying interest on Balance Transfers or Cash Advances. How to AvoidPayina Interest on Purchases("Grace Period") It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that firs-appear on the current billing statement. How We A I Payments Ma-1 Impact Your Grace Period you o not pay your New Balance in tull each month,tFen,depending on the balance to which we apply your payment, you may not get a grace per icd on new Purchases. How We Calculate Interest Charges-Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daly Balance for Each Transaction Category We start with the be balance for each day. The beginning balance For the first day of the billing period is your balance on the cst day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and Fees. We add any new transactions or fees as of the later of the Transaction Date or the firs}day of the billing period in which the traisaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this For each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money the-is owed to you. You may make charges against this amount if your Account is open. We will send-you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable low. For TDD(Telecommunications Device for the Deaf)assistance,please call 1.800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover©card is issued by Discover Bank,Member FDIC RZNFEOOI Questions? Visit www.Discover.com or DISCOVER 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due i Account Number ending in 4821 DISCOVEK $9,740.95 $747.00 Enter Amount Enclosed Below Payment Due Date October 13,2011 $ 18 SDSNSAOI 0004982 Text APP to DISCOV*to receive a link to our FRANK H MORGAN JR free mobile app and pay l,our bill in seconds Po BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 71.084 191111 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? 11111 1111111111 IIIJI11 IIIIIIIIIIIJ11 Iffifilti IIIIItj 4111 111 11 Go to www.Discover.com or print charge in space above, 000001986458226973978097409500000000074700 Opening Date. August 19,2011 - Closing Date: September 18,2011 page I of 2 Discover More Card Account Summary Payment Information New Balance $9,740.95 Minimum Payment Due* $747.00 Account number ending in 4821 Payment Due Date October 13,2011 Previous Balance $9,560.37 Includes post due amount of$555.00 Payments And Credits 0.00 Purchases + 0= Late Payment Warning:If we do not receive your minimum Balance Transfers + 0.00 payment by the dote listed above,you may have to pay a late Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 35.00 APRs for now transactions may be increased up to the Penalty Interest Charged + 145.58 APR of 21.24%variable, Now Balance $9,740.95 Minimum Payment Warning,If you make only the minimum See Interest Charge Calculation section Following payment each period,you will pay more in interest and it will transactions for detailed APR information take you longer to pay off your balance.For example: Credit Line $9,900.00 If you rrrakA n4 You wiH pay'rx the Arid j+dv Wall end Credit Line Available $159.00 Cash Advance Credit Line $3,800.00 Cash Advance Credit Line Available $159.00 each month yqu pad ab6uf Only the minimum 50 years $52,411 Cashback Bonus® Ann iversary Month payment April If you would like information about credit counseling services, Opening Cashback Bonus Balance $ 30.31 call 1-800-347-1121. New Cashback Bonus This Period + 0,00 Redeemed This Period 30.31 Cashback Bonus Balance To loom—e,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discovor.com 1. Access your account securely at www.Discovercom; Access free online tools like Payclown Planner to create a plan 2. Call 1-800-DISCOVER(1.800-347-2683. to pay down your balance,securely access statements,pay Please have your DiscoverO card available, bills online and easily track all transactions 3. Write to us at Discover, Box 30943, Soft Lake City,UT 841 0(Not a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800.347.7449. Transactions Trans. Post Date Date Foos Sep 13 Sep 13 LATE FEE $ 35,00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 98.30 INTEREST CHARGE ON CASH ADVANCES 47,28 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 145.58 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodoble,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. I •Sign up today of Discover.com/paperless 1 i 02010 Discover Bank,Member FDIC PAPER.0310 O z z a 0 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 95.00 0 TOTAL INTEREST CHARGED IN 2011 1,1,48.95 " Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER uISCr..� It pays to FRANK H MORGAN JR �u �E i _DISC vE� Account numbs ending in 4821 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rote(APR)is the annual nterest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 16.24% V $7,127.28 $98.30 Cash Advances 22.24% V $2,503.35 $47.28 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1.800-347-2683. What To Do If You Think 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 Citf,UT 8.4130-042 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 Hon o�f Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. 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 moy 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 ycur 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 lima. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been mo-e than$50. (Note: Neither of these are necessay if your purchase was based on an advertisement we mailed to you,or iF we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake Ci#y,UT 84130.0945 While we investigate,the same rules apply to the disputed amount as discussed above. AEer 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 port of your Account balance at any time, however,you must pay at least the Minimum Payment Due by the Payment Due Date. Send ordy our 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 informaticn on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information From your check to make an electronic fund transfer,funds may be withdrawn From your account as soon as the some day we receive your payment,and you will not receive your check bock 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 day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER i You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-3d7-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g.,the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly paymerrts b telepphone,you will need this statement and your bank account information. You will be asked to provide the last four f4fdigits of the social security number of the primary borrower. By providing those numbers as Your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa ment you authorize,in the amount selected by you,From your bank account. You also ou-honze us to initiate debit or credit entries to Your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover,PO Box 30421,Salt Lake City,UT 841 30.0421;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each month billing statement when your payment will be made and how much it will be. You must ensure that sufficient Funds ore ovoilab a in your bank account,and all transactions must comply with U.S.low. You can set automatic payments For:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.IF the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ CO Bank Routing#: ;Bank Account#: ;Frequency: Ch Z Credit Reporting. We may report information about your Account to credit bureaus. Late payments,missed payments,or c other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete,please write °o us at the following address: Discover,PO Box 15316,Wilmington,DE 19850-5316. Please indicate your name,address, g home telephone number and Account number. Paying Interest. We begin to impose interest charges on a transaction,fee or imerest charge from the day we add it to the Nv daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying w interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases("Grace Period"), It you paid the New 3a once on your previous i6lling statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Dote on your current billing statement, New Purchases are Purchases that first appear on the current billing statement. How We Appjy Pa ments May Lm act Your Grace Period It you o not pay your ew a ante in each moot ,t en,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges•Daily Balance Method(including current transactions): We calculate interest charges each billing period by first f�'�yyuringg the"daily balance"for each Transaction Category. Transaction Cate ones include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or Fees as of the toter of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rote, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. it shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against-his amount if your Account is open. We will sendyou a refund of any remaining balance of S1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone tails between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank,Member FDIC RZNFE001 Questions? Visit WWW.Discover.com or D�$CiVER call 1-800-DISCOVER (1-800-347-2683). New Balance j Minimum Payment Due i Account Number ending in 4821 DISCOVER $9,919.46 1$942.00 Enter Amount E nclosed Below Payment Due Date November 13,2011 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $19.46. 18 SDSN6A01 0004983 FRANK H MORGAN JR Text APP to pp and 'y our bill a link to our free mobile app and pay your bill in seconds PO BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 71084 11111111111111111111 fill CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? IIIIIIIIIItltir��trr�r��r'r�1I�Illri�rr�ir�tt��tt�tt�tr�t�rr�� Go to www.Discover.com or print change in space above. 000001986458226973978099194600000000094200 Opening Date: September 19,2011 - Closing Date: October 18,2011 page 1 of 2 Discover More Card Account Summary Payment Information Now Balance $9,919.46 Minimum Payment Due* $942.00 Account number ending in 4821 Payment Due Date November 13,2011 Previous Balance $9,740.95 *Includes post due amount of$747.00 Payments And Credits 0.00 Purchases + 0.00 Late Paymont Warning:If we do not receive your minimum Balance Transfers + 0.00 payment by the date listed above,you may have to pay a late Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 35.00 APRs for new transactions may be increased up to the Penalty Interest Charged + 143.51 APR of 26.24%variable. New Balance $9,919.46 Minimum Payment Warning:If you make only the minimum See Interest Charge Calculation secticn following payment each period,you will pcy more in interest and it will transactions for detailed APR information take you longer to pay off your balance.For example: Credit Line $9,900.00 If Qu make na You vnll bff tf ie And pu*rnll ertd Y Ay y Credit Line Available $0,00 00 dtll64 cbtrrgs baktnce s'tawn.on, tr}f pay#ngctn Cash Advance Credit Line $3,800.00 using this card and tliit sfateinet en estimated total of s Cash Advance Credit Line Available $0.00 ac{a month y44r pct W You may be able to avoid Interest Charges,see Additional Only the minimum 50 years $52,694 Important Information for details. payment If you would like information about credit counseling services, Cashback Bonuse Anniversary Month call 1-800-347-1121. April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To leom more,log in of www.D;swver.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Faydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-26831, to,ray down your balance,securely access statements,pay Please have your Discover®card available. bi!Is online and easily track c!I transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84 i r30(Not a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on remiRance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 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. Past Date Date Fees Oct 13 Oct 13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 96,89 INTEREST CHARGE ON CASH ADVANCES 46.62 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rother than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper capy of your statement anytime. • Sign up today a-Discovercom/paperless 02010 Discover Bank,Merrba FDIC PAPER.0310 M Transactions CA Trans. Post m (coat.) Date Date on 0 0 0 Interest Charged TOTAL.INTEREST FOR THIS PERIOD $ 143.51 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 130.00 TOTAL INTEREST CHARGED IN 2011 1,292.46 Questions? Visit www.Discover.com or DISCOVER 1-800-DISCOVER (1-800-347-2683). �� It pays to FRANK H MORGAN A MCC,; s Account number ending in 4821 > DISCVER___; 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 RATE,AALLPPERCENTAGE NTEREST SUBJECT T TO INTEREST CHARGE Purchases 16.24% V $7,259.84 $96.89 Cash Advances 22,24% V $2,550.28 $46.62 V=Variable Rate Information For You We are pleased to inform you that,effective 11/06/11 we will no longer charge a Foreign Currency Fee on any international purchases made with your Discover(R)Card. Additionally,we will no longer charge a Research Fee for any copies of billing statements or receipts that you request. ***ATTENTION*** Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Additional Important Information See your Cordmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1.800-347-2683. What To Do H 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 letter,give us the following information: Account information:Your name and account number. Dollar amount:The dollar amount of the suspected error. Descri of Problem: If you think there is an error on your bill,describe 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 wnitin . You may call us,but if you do we are nos required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been on error,the following are true: We cannot try to collect the amount in question,or report you as delinquent on that amount. The charge in question rim remain on your statement,and we may continue to charge you interest on that amount. But,if we determine that we ma 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 amoum in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. :Your Riah►s M 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-he merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the some rules apply to the disputed amount as discussed above. After we sinish 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 ay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the I�ayment Due Date. Send oily your payment and the flop portion of this statemerJ 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 payymment is processed as on electronic fund transfer,the transfer will be for the amount of 'the check. When we use information kam your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the same day we receive yoi:r 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 5P/%A local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 6019746103. Please allow 7.10 days For delivery. If your payment is returned unpaid,we reserve the rig(it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date{e. .,the 15th day of the month)that occurs before your Payment Due Date, If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone,you will need this statement and your bank account information. You will be asked to provide the last four i4(digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you wall be agreeing to this authorization to allow us and your bank to deduct each payment you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled Payment by phone at 1-800-247-2683 or by mail at Discover,10 Box 30421,Salt Lake City,UT 84130.0421;however we must receive notice at least rhree business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your pa,nnent will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance..(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover The Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cordmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic paymenfi amount maybe less Than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our outomatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pal Bank Routing#: ;Bank Account#: ;Frequency: z Credit Reporting. We may report information about your Account to credit bureaus. Late payments,missed payments,or o other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete,please write g U4 at the following address: Ciscover,PO Box 15316,Wilmin(jton,DE 19850.5316. Please indicate your name,address, g home telephone number and Account number. Paying Interest: We begin to impose interest charges on a tronsaction,fee or in crest charge From the day we add it to the x dirty balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases("Grace Period") yff ov paid the New3alance on your previous i ing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases or an portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purc�ases that first appear on the current billing statement. How We A I P e Maa m tact P.7 in Y r Grace Period you o eat mont ,ten,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuringg the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. Now We figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest cnarges accrued on the previous day's daily balance and any new transactions and Fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or Fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other Fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. it shows this for each transaction category. The Balance Subject to Interest Rate is the average of the Gaily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®cord is issued by Discover Bank,Member FDIC RzNfeoot Questions? Visit www.Discover.com or DISCOVER` call 1.800-DISCOVER (1-800-347-2683). ®�� C � New Balance !Minimum Payment Due E Account Number ending i-i 4821 i� : Q°E� $10,105.81 i$1,141.00 Enter Amount Enclosed Below Payment Due Date ^^ t�" - —► December 13,2011 J Please make check Fovable to Discover Card. Minimum Payment due includes a past due amount of$942.00. Phone and intereet payments must be made by 5:00pm ET for some 18 SOSN6A010004884 day ostin FRANK H MORGAN JR p..3 A-p to DISCOW to receive a link to our free mobile app and pay your bill in seconds PO BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 71084 [lirn1funn�l�rr�nn��� CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 0000019864582269 73978131058100000000114100 Opening Date: October 19,2011 - Closing Date: November 18,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $10,105.81 Minimum Payment Due* $1,141.00 Account number ending in 4821 Payment Due Date December 13,2011 Previous Balance $9,919.46 *Includes past due amount of$942.00 Payments And Credits 0.00 Purchases + 0.00 Late Payment Waming:If we do not receive your minimum Balance Transfers + 0.00 payment by the date listed above,you may have to pay a late Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 35.00 APRs for new transactions may be increased up to the Penalty Interest Charged + 151.35 APR of 26.24%variable. New Balance --X0,105.81 Minimum Payment Waming:If you make only the minimum See Interest Charge Calculation section following payment each period,you will pay more in interest and it will transactions For detailed APR information take you longer to pay off your balance.For example: Credit Line $9,900.00 I#ya l inbke rto Yo>a tytfl pay:rzff the And>yott y 1118hd Credit line Available $0.00 ad�flttotis�lcbctrges baiarjcesh��n"rr;= v}sfyrllgarr Cash Advance Credit Line 83,800.00 ustn "this card"on�1 thi sfaterrt�ot to estuitgted Total of `; Cash Advance Credit line Available $0.00 each mAnth you pay abou{ You may be able to avoid Interest Charges,see Additional Only the minimum 50 years $52,974 Important Information for details, payment If you would like information about credit counseling services, Cashback Bonus® Anniversary Month call 1-800-347.1121. April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Faydown Planner to create a plan 2• Call 1-800-DISCOVER(1.800-347-2683)• to pay down your balance,securely access statements,pay Please have your Discover®card available. bills online and easily track ell transactions 3. Write to us at Discover,PO Box 30943, Make our mone worth morel—find easy ways to earn Salt lake City,UT 8.4130(Not a payment address) Y Y Y Ys 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 Deal) mobile phone assistance,please call 1-804347.7449. Transactions Trans. Post Date Date Fees Nov 13 Nov 13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 102.28 INTEREST CHARGE ON CASH ADVANCES 49.07 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IM'ORTANT INFORMATION DISC*VER - - ---..._.._...-�....__... �.....__.._.. —..._._.._...-—_._........._..._.._ �i Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. •Sign up today at Discavercom/paperless 02010 Discover Bank,M—nbe,FDIC PAPER.0310 rn Transactions Cn Trans. Post m (cont.) Date Date o 0 0 Interest Charged TOTAL INTEREST FOR THIS PERIOD g $ 151.35 co -n 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 165.00 TOTAL INTEREST CHARGED IN 2011 1,443.81 Questions? Visitwww.Discover.com or �ISC�VER call 1-800-DISCOVER(1-800-347-2683). Itpoysto FRANK H MORGAN JR DISCO VE _�.DtSC. YE�i- Account number ending in 4821 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual'interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 09/07/2011 and after 21.24% V $71.09 $1.29 09/06/2011 and prior 16.24% V $7,323,30 $100.99 Cash Advances 22.24% V $2,598.11 $49.07 V=Variable Rate Information For You ***ATTENTION *** Your account is seriously post 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.contai ns all the terms of your.Accovnt. Lost or stolen cards. Report immediatelyl Call 1-800.347-2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,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 misfa 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 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�riling. 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 ycur statement,and we may continue to charge you interest on that amount. But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other Fees related to that amount. While you do not have to pay the amount in question,you are responsible For the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must hove been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these 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 advan.-es from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. IF all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130.0945 While we investigate,the some rules apply to the disputed amount as discussed above. .After we'inish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the Financial institution indicated or;your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be For the amount of the check. When we use information from your check to make an electronic Fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The rocessing 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 format our processing facility by SPM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5P1v1 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 601 976 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 REVERSE SIDE FOR IMPORTANT INFORMATION DI.SC*VER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ant date(e. .,the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone,you will need this statement and your bank account information. You will be asked to provide the lost four(4f digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa ant you authorize,in the amount selected by you,from your bank account. You also au-honze us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-247-2683 or by mail at Discover,?O Box 30421,Salt Lake City,UT 84130-0421;however we must receive notice at least Three business days in advance of the scheduled payment. IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a Fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled ocyment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.IF your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. if you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ rn Bank Routing#: ;Bank Account#: ;Frequency: z Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or c other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete,please write $ us at the following address: Ctscover,PO Box 15316,W Imington,DE 19850-5316. Please indicate your name,address, A home telephone number and Account number. Pay Interest. We begin to impose interest charges on a transaction fee or interest charge from the day we odd it to the T daily 6alonce. We continue to impose interest charges until you pay tie total amount you owe us. You can avoid paying v interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases("Grace Period") you paid the New 3a once on your previous billing statement by the Payment Due Data shown on that billing statement,we will not impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purc)tases that first appear on the current billing statement. How We Apply Pa ments Ma• Im a<t Your Grace Period you o not pay your ew a ante in each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions), We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transters. How We Figure the Daily Balance for Each Transaction Category We start with the be�inning balance for each day. The beginning balance For the first day of the billing period is bal your ance on the wt day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or tees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate. We do this For each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the dai y interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. 'A's add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to interest Rate. Your statement shows a Balance Subject to Inte-est Rate. It shows this For each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against his amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more aier 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please tail 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank,Member FDIC RZNFE001 Questions? Visit www.Discover.com or DISCOVER 1-800-DISCOVER (1-800-347-2683). New Balance I Minimum Payment Due j Account Number ending in 4821 DISC E $10,290.14 1$1,344.00 i Enter Amount Enclosed Below Payment Due Date (� January 13,2012 Please make check payable tc Discover Card. Minimum ayyment die Includes a past due amount ofp$1,141.00. Phone and iintemet payments must be made by 5:00pm ET for some 18 SDSNGAOt 0004985 day ostin FRANK H MORGAN JR pTextAWP to DIS30V•to receive a link to our free PO BOX 1392 from anbywhe app and pay your bill in seconds BRYN MAWR PA 19010-7392 PO BOX 71084 Ill�rlllr11r.rlllrllr��rlll CHARLOTTE NC 28272-1084 Address,e-moil or telephone change? It I I I I l I I I 1 9 1 l 1 1 1 1 1 1 l 11 l 11 It I I I I if it[III 1 1 1 11 111111 t i l l I I I t i l l Go to www.f)iscover.com or print change in space above. 0000019864582269739781,02901400000000134400 Opening Date: November 19,2011 - Closing Date: December 18,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $10,290.14 Minimum Payment Due* $1,344.00 Account number ending in 4821 Payment Due Date January 13,2012 Previous Balance $10,105.81 *Includes past due amount of$1,141.00 Payments And Credits 0.00 Purchases + 0.00 Late Payment Warning:If we do not receive your minimum Balance Transfers + 0.00 payment by the date listed above,you may have to pay a late Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 35.00 APRs for new transactions may be increased up to the Penalty Interest Charged + 149.33 APR of 26.24%variable. Naw Balance 10,290.14 Minimum Payment Warning:IF ycu make only the minimum See Interest Charge Calculation section following payment each period,you will pay more in interest and it will transactions for detailed APR information take you longer to pay off your balance.For example: Credit Line $9,900.00 f Y6u make rro Yau rmll pay riff the Ahd,gou v,aU end Credit Line Available $0.00 NMI balance sf ow 'ort I vp payTfig an Cash Advance Credit Line $3,800.00 f nCash Advance Credit Line Available $0.00 a krtits€ You may be able to avoid Interest Charges,see Additional Only the minimum 50 years $53,252 Important Information for details. payment If you would like information about credit counseling services, Cashback Bonuse Anniversory Month call 1-800.347-1121. April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To leam more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Favdown Planner to create a plan 2. Call 1-800-DISCOVER(1.800-347-2683, to pay down your balance,securely access statements,pay Please have your DiscoverO card avoilab e, bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, Salt lake City,UT 84130(Not a payment address) Make your money worth morew—find easy ways to earn For payments,please send to address on remitto-ice or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Decf) mobile phone assistance,please call 1.800-347-7449. Transactions Trans. Post Date Date Fees Dec 13 Dec 13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 100.95 INTEREST CHARGE ON CASH ADVANCES 48.38 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. ! •Print a paper copy of your statement anytime. •Sign up today at Discovercom/paperless i <@2010 Discover Bonk,Membar FDIC PAPER.0310 . .... Transactions Trans. Past m (cont.) Date Date 0 0 0 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 149.33 m -n 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 200.00 TOTAL INTEREST CHARGED IN 2011 1,593.14 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1.800-347-2683).- DISCOVER - -......- ---------------- It pays to FRANK H MORG.AN JR DISC` E `—D'�� V�� Account number ending in 4821 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 09/07/2011 and after 21.24% V $107.68 $1.89 09/06/2011 and prior 16.24% V $7,423.29 $99.06 Cash Advances 22.24% V $2,646.82 $48.38 V-Variable Rate 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 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 Lake Cttf,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. Descriofion 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 mistaT ke You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors inin wnhin . 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,yc•u will not have to pay the amount in question or arty interest or other fees related to that amount. While you do not have to pay the amount in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must 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-o you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card fcr the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid For the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake Ciry,UT 84130.0945 While we investigate,the some rules apply to the dispu`ed amount as discussed above. After we finish our investigation,we will tell you our decis.on. 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 oFyour Account balance of any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send on y 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 F a as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn From your account as soon as the same day we receive you-payment,and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you send the payment o an other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197-6103. Please allow 7-10 days for delivery, IF your payment is returned unpaid,we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you car.setup automatic payments through a customer service representative by calling 1.800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e. .,the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,tour payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone,you will need this statement and your bank account information. You will be asked to provide the last four(4�digits of the social security number of the primary borrower. fly providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each lacrnent you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347-2683 or by mail at Discover,PO Box 30421,Salt Lake City,UT 84130.042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthlyy billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.low. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.IF your sc-ieduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment For that month will be increased to cover the Minimum Payment Due.If the scheduled payment is grooter than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our outomatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pav+$ ❑Fixed Pay$ o Bank Routing#: ;Bank Account#: Frequency: z Credit Reporting.We may report information about your Account to credit bureaus, late payments,missed payments,or o other defaults on your Accourt may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. IF ou believe that our report is inaccurate or incomplete,please write o us at the following address: Discover,PO Box 15316,Wilmington,DE 19850.5316. Please indicate your name,address, home telephone number and Account number. m Paying Interest We begin to impose interest charges on a transaction,fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid , .Xi interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases("Grace Period" If you paiit e New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We M"1 Ppay a ments My Im act Your Grace Period you o your New Balance in tull eat mont ,ten,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions). We calculate interest charges each billing period by first f�vring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning bolarce for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying interest"section). How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other foes to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law, For MD(Telecommunications Device for the Deaf)assistance,please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank,Member FDIC RZNFEOOt Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). ®1SC°� New Balance Minimum Pcyment Due Account Number ending in 4821 � VER $0.00 $1,760.00 Enter Amount Enclosed Beow Payment Due Date $ 1 February 26,2012 31 SDSN6A01 0004986 FRANK H MORGAN JR Text APP to ` receive a link to our free mobile app pp and and pay your bill in seconds PO BOX 1392 from anywhere! BRYN MAWR PA 19010-7392 PO BOX 6103 Illr�rllur��ll�nrll�ll��l CAROL STREAM IL 60197-6103 Address,e-mail or telephone change? l�lirrilr�r�rrlli�lrrl��rl�'li�r��li�l�����llrli��rr�lir�irrll Go to www.Discover.com or print change in space above. 000001986458226973978000000000000000176000 Opening Date: January 19,2012- Closing Date: January 31,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $0.00 Minimum Payment Due $1,760.00 Account number ending in 4821 ?ayment Due Date February 26,2012 Previous Balance $10,482.45 Late payment Woming:If we do rot receive your minimum Payments And Credits - 10,482.45 oayment by the date listed above,you may have to pay a late Purchases + 0.00 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 .APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 26.24%variable. Fees Charged + 0.00 Interest Charged + 0.00 New Balance $0.00 Manage Your Account Online at www.Discover.com See Interest Charge Calculation section following Securely access statements and free online tools,pay bills transactions for detailed APR information online and track and view all transactions simply and easily Credit Line $9,900.00 Make your money worth moresM—find easy ways to earn Credit Line Available $0.00 and redeem cash rewards Cash Advance Credit Line $3,800.00 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.Discover.com Anniversary Month 2. Call 1-800-DISCOVER(1.800-347.2683). April Please have your Discover®card availc6)1e. Opening Cashback Bonus Balance $ 0.00 3. Write to us at Discover,PO Bax 30943, New Cashback Bonus This Period + 0.00 Salt Lake City,UT 84130(Not a payment address) For payments,please send to address on remittance or Cashback Bonus Balance $ 0.00 Discover,PO Box 6103,Carol Stream,IL 60197-6103 To learn more,tog in at www.Discover.com For TDD(felecommunicatiens Device For the Deaf) assistance,please call 1-800-347-7449: Transactions Trans. Post Date Date Payments and Credits Jan 31 Jan 31 INTERNAL CHARGE-OFF $.10,482.45 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 35.00 TOTAL INTEREST CHARGED IN 2012 157.31 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER _..._.._............. I j Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. j •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. j •Get helpful pcyment reminders through e-mail or text messages on your mobile phone. •Print a paper cc•py of your statement anytime. s •Sign up today ct Discovercom/paperless i r I 02010 Discover Bonk,M-6l FDIC PAPER.0310 f ...._.........__...-'------_._..-_................__.._._--._._.....__.._..._...—.......---.._......._..__.._.....--.—'-.—._..._..._._...._.-....._..._..._--...----..__.1 0 O z Z m D _o 0 0 0 P tD T N X N Questions? Visit www.Discover.com or call 1-800•DISCOVER (1-800-347-2683). DISCOVER g� ,�++lrx� - It pays to..._ _^ FRANK H MORGAN JR #1.0���r,`,!) E t)1SC�1�ER---? Account number ending in 4821 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period.13 days TYPE OF BALANCE ANNUAAPLRPERCENTAGE INTEL RESF RSAUB ECT TO INTEREST CHARGE Purchases 09/07/2011 and after 21.24% V $0 $0 09/06/2011 and prior 1624% V $0 $0 Cash Advances 22.24% V $0 $0 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 immediatefyl 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,Soft 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 Sf is ais a mistake. You must contact us within 60 day's after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us,but if you do we ore not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been on error,the following are true: We cannot try to 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, taut,if we determine that we made a mistake,you will not have to pay the amount in question or any interer or other fees related to that amount. While you do not have to pay he amount in question,you ore responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goads or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,oil of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in wiiin at: Discover,PO Box 30945,Salt Lake Cify,UT 84130.0445 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 delinquenr. Payr#tents.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 inst'stution indicoted on your check or to process the payment as a check tro._ ion, if po r+enfi is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use infomation#Tom your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the same day we r_coive 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 day will be credited to your Account as of Ihat day. Payments received at our processing Facility after 5PM local time will be credited to your Account as of the next day, if you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197-6103. Please allow 7-10 days for delivery. If your payment is re-urned unpaid,we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCIOVER You can pay your monthly,,A nimum Payment Due,at a greater amount that does not exceed your current Account balance, over the lelephone or you can setup automatic payments through a customer service representative by calling 1.800-347-2683. Automatic payments will be deducted on the Payment Due Cate unless you request a recurring payment date(e.g.,the 15th doy of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank hall oy,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepPhone,you will need this statement and your bank account information. You will be asked to provide the last four(4r,e,.s of the sotial security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa eat you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-8 00.34 7-26$3 or by mail at Discover,PO Box 30421,Salt take City,UT 84130.0421;however we must receive notice at(east three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each moatnly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(1)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dolor amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will Be increased to cover the Minimum Payment Due.If the scheduled payment is reeler than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.It your scheduled payment is greater than the New Balance on your bill in statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount moy%e less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the fallowing blanks below and retain the authorization for your records. Amount: ❑ Full Pay [7 Min Pay ❑ Min Pay t$ ; ❑Fixed Pay$ to Bank Routing#: ;Bank Account#: ;Frequency: Z Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or Other defoults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our re art is inaccurate or incomplete,please write $ us at the following address: Discover,PO Box 15316,W lmington,DE 19$545316. Please indicate your name,address, g home telephone number and Account number, b Pay rng interest: We begin to impose interest charges on a transaction,fee or interest charge from the day we add it to the ni doily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying X interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest an Purchases("Grace Period") you poi the New Bo lance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases ore Purc aces that first appear on the current billing statement. Haw We A 1 Payments May!m act Your Grace Period you o not pay your New balance in eat month, n,depending an the balance to which we apply Your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figguring the 'daily balance"for each Transaction Category. Transaction Categones include standard Purchases,standord Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the as#day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the First'day of the billing period in which the transaction ar fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustmen-s required in the"Paying Interest"section). Now We Figure Your Total Interest Charges We multiply the daisy balance for each Transaction Category by its daily periodic rote. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category_ We odd Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other roes to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit bolonce,the omcunt is shown on the front of your billing statement. A credit balance is money mot is owed to you. You may make charges against this amourii if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For MD(Telecommunications Device for the Deaf)assistance,please call 1-8013-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank,Member FDIC RZNFE001 Questions? Visit www.Discover.com or DISCaVER call 1-800-DISCOVER 11-800.347-2683).. ...: i PRESSLER AND PRESSLER, LLP Attorney for Plaintiff BY: Francis X. Grimes, Esquire I.D.#62404 804 West Avenue r.., c d Jenkintown PA 19046 c C ' _ �e (215) 576-1900 �T- N CD DISCOVER BANK COURT OF COMMON PLg = c Plaintiff CUMBERLAND COUNTY, n t, CIVIL ACTION-LAW VS. NO. 13-2460 CIVIL FRANK H. MORGAN, JR. Defendant CERTIFICATE OF SERVICE Francis X. Grimes, Esquire, Attorney for Plaintiff herein, certifies to the Court that he mailed a true and correct copy of Plaintiff's Civil Action Complaint via first class mail on May 21, 2013 to: Frank H. Morgan, Jr. 701 Park Way Broomall, PA 19008 DATE: 5/21/13 FRANCIS X. GRIMES, ESQUIRE Frank H. Morgan, Jr., Pro se ij° €fii P R O T H O N O TA R.i 701 Park Way Broomall, PA 19008 20 � 484-238-8539 CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Discover Bank, No. 13-2460 Civil Plaintiff vs. Frank H. Morgan, Jr., Defendant PRELIMINARY OBJECTIONS—FORUM NON CONVIENS Comes the defendant, Frank H. Morgan, Jr., pro se, and objects to the jurisdiction of this Honorable Court as follows: 1. According to its Complaint, plaintiff is a business corporation of the State of Delaware with a business address in Albany, Ohio. 2. The address of the defendant averred in the Complaint is in Delaware County, Pennsylvania. 3. Plaintiff has no known connection with Cumberland County other than the institution of the instant proceedings. 4. Defendant had no connection with Cumberland County other than his temporary residence in the count at the time the litigation was instituted. 5. No transaction relating to the allegations of the Complaint occurred in Cumberland County. 6. No potential witnesses for the plaintiff or the defendant have any connection with Cumberland County. 7. The Court of Common Pleas of Cumberland County is approximately one hundred (100) mile and two(2)hours distant from the address of the defendant. 8. Under the circumstances,jurisdiction in the Court of Common Pleas of Cumberland County constitutes a forum non conviens. 9. A transfer of the matter to the Court of Common Pleas of Delaware County will not create an inconvenience to the plaintiff. WHEREFORE, defendant respectfully objects to the jurisdiction of the Court of Common Pleas of Cumberland County,Pennsylvania and requests the transfer of the matter to the Court of Common Pleas of Delaware County, Pennsylvania. Respectfully submitted: r'-' zz �. -- -- — a,_-- FRANK H. MORG , Pro Frank H. Morgan, Jr., Pro se 701 Park Way Broomall, PA 19008 �r � 484-238-8539 CUMBERLAND COUNTY � S IN THE COURT OF COMMON PLEA� F H1dCUMBERLYl.�A�tA AND COUNTY, PENNSYLVANIA Discover Bank, No. 13-2460 Civil Plaintiff vs. Frank H. Morgan, Jr., Defendant CERTIFICATE OF SERVICE I, Frank H. Morgan, Jr., hereby certify that on June 5, 2013, I served upon Discover Bank a true and correct copy of his Preliminary Objections, by first class mail, prepaid, upon the following: Francis X. Grimes, Esquire 7 Entin Road Parsippany, NJ 07054-5020 i Date: June 5, 2013 FRANK H. MORG .