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HomeMy WebLinkAbout13-4304 Supreme Court of Pennsylvania " « R# 30088288 C A Pit SJS Court of Common Pleas Civil Cover Sheeit ForProthonotan C'se On4: C UMBERLAND County Docket No: The information collected on this,, is used solely for court administration purposes. This form does not supplement or replace the filing and service of'pleadings or other papers as required bu law or rules of court. Commencement of Action: S M Complaint ❑ Writ of Summons ❑ Petition E Transfer from Another Jurisdiction 13 Declaration of Takin C DISCOVER BANK Lead Plaintiff's Name: Lead Defendant's Name: T WILLIAM J CALVERT I 0 Are money damages requested? El Yes ❑ No Dollar Amount Requested: ® within arbitration limits N (check one) ❑ outside arbitration limits A Is this a Class Action Suit? 13 Yes 13 No Is this an MDJ Appeal? 13 Yes 0 No Name of Plaintiff /Appellant's Attorney: William T. Molczan,47437 ❑ Check here if you have no attorney (are a Self - Represented [Pro Se] 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. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Protection Administrative Agencies ❑ Malicious Prosecution 43 Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E [3 Product Liability (does not include [3 Employment Dispute Mass tort) Discrimination C ❑ Slander /Libel/Defamation ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other: ❑ Other: I 0 13 Other: N MASS TORT ❑ Asbestos B ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - DES ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Toxic Tort — Implant ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Toxic Waste ❑ Ground Rent ❑ Mandamus ❑ Other: ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Retraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Waranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: Updated 1/1/2011 NOTICE Pennsylvania Rule of Civil Procedure 205.5. (Cover Sheet) provides, in part: Rule 205.5. Cover Sheet (a)(1) This rule shall apply to all actions governed by the rules of civil procedure except the following: (i) actions pursuant to the Protection from Abuse Act, Rules 1901 et seq. (ii) actions for support, Rules 1910.1 et seq. (iii) actions for custody, partial custody and visitation of minor children, Rules 1915.1 et seq. (iv) actions for divorce or annulment of marriage, Rules 1920.1 et seq. (v) actions in domestic relations generally, including paternity actions, Rules 1930.1 et seq. (vi) voluntary mediation in custody actions, Rules 1940.1 et seq. (2) At the commencement of any action, the party initiating the action shall complete the cover sheet set forth in subdivision (e) and file it with the prothonotary. (b) The prothonotary shall not accept a filing commencing an action without a completed cover sheet. (c) The prothonotary shall assist a party appearing pro se in the completion of the form. (d) A judicial district which has implemented an electronic filing system pursuant to Rule 205.4 and has promulgated those procedures pursuant to Rule 239.9 shall be exempt from the provisions of this rule. (e) The Court Administrator of Pennsylvania, in conjunction with the Civil Procedural Rules Committee, shall design and publish the cover sheet. The latest version of the form shall be published on the website of the Administrative Office of Pennsylvania Courts at www.pacourts.us. 2M3 JUI 23 Ati 8: 53 CU1'1'8ERLA,ND COUNTY PENNSYLVAMA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK I Plaintiff No: vs. COMPLAINT IN CIVIL ACTION WILLIAM J CALVERT Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434 -7955 FAX: 412- 338 -7130 30088288 C A Pit SJS OLN ct/ -L L - Ill3�3a 0?93y�� IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No WILLIAM J CALVERT Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249 -3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f /k /a Greenwood Trust Company, an FDIC - insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant account, which is the subject of this litigation. 4. Defendant is adult individual(s) residing at 4227 NANTUCKET DR MECHANICSBURG, PA 17050 S. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX1713. 6. Defendant made use of said credit card and has a current balance due of $1728.63. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit " 1 " . 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and /or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, WILLIAM J CALVERT, INDIVIDUALLY, in the amount of $1728.63 with interest at the statutory rate of 6.00 o per annum from date of judgment and costs. William T. Mo c n,47437 WELTMAN, WEINBE & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434 -7955 FAX: 412- 338 -7130 WWR# 30088288 C A Pit SJS This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. New Balance ;,Minimum Payment Due I Account Number ending in 1713 DISCOVER $0.00 $381.00 Enter Amount Enclosed Below Payment Due Date — December 25, 2012 30 SDSN6A010002456 WILLIAM J CALVERT Text APP toDISCOV • receive a link to our free mobile app and pay your bill in seconds 4227 NANTUCKET DR from anywhere! MECHANICSBURG PA 17050 -7649 PO BOX 6103 Ill Niel lr,nrllrllnrlr,rl1 CAROL STREAM IL 60197 -6103 Address, e-mail or telephone change? l 11111 lire 11111111 If rI 1111111111111111 11111 ll l l Is rl rill 11111 ll Go to www.Discover.com or print change in space above. 000001986456454272014000000000000000038100 Opening Date: November 3, 2012 - Closing Date: November 30, 2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $0.00 Minimum Payment Due $381.00 Account number ending in 1713 Payment Due Dote December 25, 2012 Previous Balance $1,783.68 Late Payment Warning: If we do not receive your minimum Payments And Credits 1,783.68 payment 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 24.99% variable. Fees Charged + 0.00 Interest Charged + 0.00 New Balance $0.00 Manage Your Account Online at www.Discover.com See Interest Charge 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 $1,500.00 Make your money worth moresm—find easy ways to earn Credit tine Available $0..00... and,redeem. cash rewards. Cash Advance Credit Line $800.00 NEW! Access your account securely through your Cash Advance Credit Line Available $0.00 mobile phone 3 Easy Ways to Contact Us COS back Bonus® 1 Access your account securely at www.Discover.com Anniversary Month 2. Call 1- 800 - DISCOVER (1. 800 -347- 2683). March Please have your Discovers card available.. Opening Cashback Bonus Balance $ 0.00 3. Write to us at Discover, PO Box 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 601976103 To learn more, log in at www.Discover.com For TDD (Telecommunications Device for the Deal) assistance, please call 1- 800 -347 -7449. Transactions Trans. Post Date Date P ay m ents and Credits Nov 30 Nov 30 CHARGE OFF ACCOUNT - PRINCIPALS $ 1,783.68 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 $ 262.97 TOTAL INTEREST CHARGED IN 2012 278.56 30088288 EXHIBIT 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 Discover.com /paperless 02010 Discover Bank, Member FDIC PAPER.0310 rn O U) Z m D o_ 0 0 0 N A V1 Q1 N X N 30088288 Questions? Visit www.Discover.com or D15COVER call 1- 800 - DISCOVER (1- 800 - 347 - 2683. It pays to i WI WAM J CALVERT DISCOVER i DISCOVER Account number ending in 1713 pa 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 ANN UA�PERCENTAGE BALANCE S TO INTEREST CHARGE Purchases 19.99% V $0 $0 Cash Advances 24.99% $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 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 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 . It is 0 lion f Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe s 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 the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try ;.tCvrrn ollect the amount in question, or report you as delinquent on that amount. The charge in esti may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine ade a m istake, 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 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 writina Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic Fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment o any other address or if you use an envelope other than the one provided. Payments received to 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. 30088288 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 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 telepp hone , you will need this statement and your bank account information. You will be asked to Provide the last four (4�digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each Mom, ant you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or c ntries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1- 800-347 -2683 or by mail at Discover, PO Box 30421 Salt *Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for• (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly 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 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$ 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 Account may be reflected in your credit repart. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report rs maccurale or incomplete, please write c us at the following address: Discover PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, > home telephone number and Account number. Paying Interest: We begin to impose interest charges on a transaction, Fee or interest charge from the day we add it to the X daily balance. We continue to impose interest charges until you pay the 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 Povinq Interest on Purchases ( "Grace Period ") If y ou paid the Now Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or an portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchoses that first appear on the current billing statement. How We Apply Payments Ma Im ct Your Grace Period ff you o not pay your ow a ance in Lac 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 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 balonce for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category . We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to fhe standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this For each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TD (TT Device for the Deaf) assistance, please call 1-800- 347 -7449. Dis�66QMMtor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover ® card is issued by Discover Bank, Member FDIC RZNFE00l Questions? Visit www.Discover.com or DISCOVER cal) 1.800- DISCOVER (1- 800 -347- 2683). t VERIFICATION IJ (Name) (Title) of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he /she is a duly authorized representative of plaintiff herein. Additionally, he /she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC - insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He /she verifies that he /she is authorized to make this verification. As an employee of DB Servicing Corporation, he /she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his /her knowledge and information and that he /she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Service . Date ( i na DB rvrcing Corporation servicing affiliate For Discover Bank PO Box 3025 New Albany, OH 43054 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Y . j_�D-OFc/�� RonnyR Anderson (J" THLP Sheriff _ 7C,/1=Nu _ y Jody SSmbh =M k=. 34 Chief Deputy �U/����/ AND POU�`Y Richard VVS�wart ='���e' pENNSY/ - -W/~'' ' Solicitor me/Cem,rwa�Em/pp —'' `'`'" Discover Bank vs. Case Number | 2U13~43O4 V0UiamJCa|vo� | SHERIFF'S RETURN OF SERVICE 07/29/2013 05:00 PM - Deputy Amanda Cobaugh, being duly sworn according to law, served the requested Complaint& Notice by^pexoonaUy^ handing a true copy huo person representing themselves tobethe Defendant. to wit: William J Calvert at 4227 Nantucket Ohwa, Hampden Townohip, N1achaniosburg, PA 17050'7640. IL SHERIFF COST: s30.3O SO ANSWERS, 4z July 3O. 2O13 RONNYR ANDERSON, SHERIFF �o~mySmwnhowrweo=oInc IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: 13-4304 Civil VS. DEFENDANT'S ANSWER WILLIAM J. CALVERT TO Defendant PLAINTIFF'S COMPLAINT - 9 The DEFENDANT states the following as ANSWER to PLAINTIFF'S compt�At: rn Co Fl C= - 1. Admitted. 2. Admitted. 3. Admitted. -, - 4. Admitted. 5. Admitted. 6. Denied. Although Defendant admits to the use of the credit card,Defendant denies that the amount due and owing is$1,728.63. 7. Denied. Defendant has made payments but is currently prevented from doing so due to high interest rates and late fees on the credit card, as well as severe financial hardship. 8. Denied. Defendant admits to not paying the balances stated on the credit card statement for the same reasons stated previously. Plaintiff was notified of these circumstances at the time the defendant closed the revolving credit account. Defendant asks the court to allow Defendant to repay any obligations it owes to Plaintiff on a reasonable repayment schedule that takes defendant's difficult circumstances into consideration. Date William. J Caly Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 13-4304 CIVIL vs. MOTION FOR SUMMARY JUDGMENT WILLIAM J CALVERT, FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30088288 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 13-4304 CIVIL vs. WILLIAM J CALVERT, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $1,728.63 with interest at the interest rate of 6.00% per annum from the date of judgment, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff s Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around February 17, 2014, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that he applied for, received and made use of the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments and/or WWR# 30088288 credits, purchases and/or balance transfers and/or cash advances, and interest rates; that he has not submitted any written disputes as to billing inaccuracies; that the account accrued interest at a variable rate; that he has made no payment on the credit card since April 27, 2012; and that $1,728.63 is a correct and accurate balance on the credit card account. 7. By way of his Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $1,728.63 with interest at the legal interest rate of 6.00% per annum from the date of judgment, and costs. Respectfully Submitted: By: 1/T i William T. olczan, Esquire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30088288 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs. COMPLAINT IN CIVIL ACTION WILLIAM J CALVERT Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 30088288 C A Pit SJS EXHIBIT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Civil Action No COMPLAINT AND NOTICE TO DEFEND DISCOVER BANK Plaintiff vs. WILLIAM J CALVERT Defendant You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f/k/a Greenwood Trust Company, an FDIC -insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant account, which is the subject of this litigation. 4. Defendant is adult individual(s) residing at 4227 NANTUCKET DR MECHANICSBURG, PA 17050 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX1713. 6. Defendant made use of said credit card and has a current balance due of $1728.63. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1". 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, WILLIAM J CALVERT, INDIVIDUALLY, in the amount of $1728.63 with interest at the statutory rate of 6.00 o per annum from date of judgment and costs. William T. Molc :n,47437 WELTMAN, WEINBE't & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 WWR# 30088288 C A Pit SJS This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. DISCOVER New Balance $0.o0 Minimum Payment Due I Account Numberending in 1713 ' 8381.00 Enter Amount Enclosed Below . TaymentT)uebate • $ December 25, 2012 30 SDSN6A01 0002456 WILLIAM J CALVERT 4227 NANTUCKET DR MECHANICSBURG PA 17050-7649 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Text APP to DISCOV• to receive a Zink to our free mobile app and pay your bill in seconds from anywhere! PO BOX 6103 N6rrllrrnlldLrrLrril CAROL STREAM IL 60197-6103 IrILrILnnIlILlnlnrLll 1IIk, , ILll IInInII 000001986456454272014000000000000000038100 Opening Date: November 3, 2012 - Closing Date: November 30, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance 11,783.68 1,783.68 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00 $0.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Une •CreditUne Available Cash Advance Credit Line Cash Advance Credit Une Available $1,500.00 •10.00. 1800.00 10.00 Cashback Bonus* Anniversary Month March Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashbook Bonus Balance To leom more, log in of www.Diseover.com 0.00 page 1 of 2 Payment Information New Balance Minimum Payment Due Payment Due Dote $0.00 $381.00 December 25, 2012 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24.99% variable. Manage Your Account Online at www.Discover.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money worth more SM—find easy ways to eam and ledeem_co h rewards. NEWI Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1 -800 -DISCOVER (1.800.347.2683). Please have your Discovers card available. 3. Write to us at Discover PO Box 30943, Salt Lake City UT 84150 (Not a payment address) For payments, please send to address on remittance or Discover. PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. Transactions Payments and Credits st Dates' Datte Nov 30 Nov 30 CHARGE OFF ACCOUNT -PRINCIPALS $ 1,783.68 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 .ksIerest.Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30088288 $ 262.97 278.56 EXHIBIT NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodabte, possword 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/paperless ®2010 Discover Bank, Member FDIC PAPER.0310 30088288 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347.2683. DISCSVER SXZ 994Z000 lOV9NSQS DISCOVER It pays to DISCOVER WILLIAM J CALVERT Account number ending in 1713 page 2of2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current BRling Period: 28 days TYPE OF BALANCE ANNUAL PERCENTAGE SUBJECT TO INTEREST CHARGE SINTERESTRATE Purchases 19.99% V 30 $0 Cash Advances 24.99% $0 $0 V = Variable Rote 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 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 rt 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 in writin . You may call us, but IF you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we Investigate whether or not there has been an error, the following are true: We cannot try to 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 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, you are responsible for the remainder of your balance. We con 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 advances from an ATM or with a check that accesses your credit card accounf do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met andyouare 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 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 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 cosh, 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 by5PM local time on any day will be credited to your Account os 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. 30088288 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER You can pay ur monthly Minimum Payment Due, or o greater amount that does not exceed your current Account balance, over the tele one or you can setup automatic payments through a customer service representative by calling 1-800.347- 683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring 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 for to the weekend or bank holiday. In order to schedule monthly payments bytelephone, you will need this statement and -your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you wit be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con cancel a scheduled payment by phone at 1-800-347.2683 or by mail at Discover, PO Box 30421 Salt'Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. IF the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. I1 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 ent amount may be Tess than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: 0 Full Pay 0 Min Pay 0 Min Pay + $ , 0 Fixed Pay$ Bank Routing #: , Bonk Account #- , Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ru believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, rlmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose interest charges on a transection, Fee or interest charge from the day we odd it to the daily lance. We continue to impose interest charges until you pay the total amount you owe us. You con avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cosh Advances. How to Avoid Pwinq Interest on Purchases ("Grace Period") 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 or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments Ma Impact Your Grace Period 11 you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Cakulate Interest Marge: 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 Ilse Daly Balance far Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transection 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 o refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDDnn(TelecommunicationsQQDevice for the Deaf) assistance, please call 1-800-347-7449. Dist60bt'lMtor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bonk, Member FDIC RZNrEooI Questions? Visit www.Diiscover.com or cal) 1.800 -DISCOVER (1-800-347-2683). DISC•VER 5XZ 9542000 LOV9NS05 (j'Ci10/ (Name) VERIFICATION Zri467 (Title) ef of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plaintiff herein. Additionally, he/she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC -insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He/she verifies that he/she is authorized to make this verification. As an employee of DB Servicing Corporation, he/she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he/she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Service Date DB icing Corporation servicing affiliate For Discover Bank PO Box 3025 New Albany, OH 43054 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK. Plaintiff No: 13-4304 Civil res. DEFENDANT'S ANSWER WILLIAM J. CALVERT TO Defendant PLAINTIFF'S COMPLAINT The DEFENDANT states the fallowing as ANSWER to PLAINTIFFS comp] .R: L Admitted. `'�' is 2. Admitted, .. 3. Admitted., 4, Admitted. ~ 5. Admitted. 5. Denied. Although Defendant admits to the use of the credit card, Defendant denies that the amount due and owing is $1,728.63. • 7. Denied. Defendant Inas made payments but is currently prevented from doing so due to high interest rates and !ate fees on the credit card, as well as severe financial hardship. 8. Denied, Defendant admits to not paying the balances stated on the credit card statement for the same reasons stated previously. Plainti was notified of these circumstances at the time the defendant closed the revolving credit account. Defendant asks the court to allow Defendant to repay any obligations it owes to Plaintiff on a reasonable repayment schedule that takes defendant's difficult circumstances into consideration. Date / , 2o/J William. 3 Cal Defendant EXHIBIT IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK Plaintiff, v. WILLIAM J CALVERT, Defendant. NO.: 13-4304 CIVIL PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EXHIBIT 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter, number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, Lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Attached as Exhibit "1", Defendant applied for the credit card referenced in the Plaintiff's Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 2: Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3 The purchases and/or balance transfers and/or cash advances listed on the monthly statements, dated May 4, 2008 through February 22, 2013, attached hereto as Exhibit "2", are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 3 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 4: The payments and/or credits listed within the monthly statements attached hereto as Exhibit "2" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 5: Defendant has made no payment on the credit card since April 27, 2012. Admitted Denied If the answer to Request for Admissions No. 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 6: The credit card account which is the subject of the underlying action accrued interest at a variable rate. Admitted Denied If the answer to Request for Admissions No. 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 7: The interest rates listed within the monthly statements attached hereto as Exhibit "2" correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 8: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 9: $1,728.63 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. William T. Molczan squire Pa. I.D. #47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg, 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:30088288 DEFENDANT'S VERIFICATION , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature CERTIFICATE OF SERVICE A true arid correct copy of Plaintiff's First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the 11 day of 2014, upon the following: Mr. William J Calvert 4227 Nantucket Drive Mechanicsburg, PA 17050 By: ‘1:11L FOCUS SESSION 2 - ASHLEY AGAR - Fri Oct 4 09:29:16 MDT 2013(naxp342.na.discoverfinancial.com) Page 1 of 4 Navigation Links Id: 080781708088100 :c. ©I WORK STATE: I01 INACTIVE I I maw, Ag Cmpgn: Time On App: SEC Applladon S1r,msry Nam. end Addrw Account Into Revkw Rules App Type: INDIVIDUAL Mama: WILLIAM 7 CALVE RT 5sn: 11111111111.1111, Day: 2027 Dob: 03 / 07 / 1951 Slctd: SC DISCOVER MILES Mmn: DEAC Approved: SC DISCOVER MORE H: (717) 732.0440 Amount $1,500.00 Email: WILLIAMJ.CALVERT@VERRON.NET B: (717) 237. 2574 AN Moth: INTERNET 0: () - Statua: BOOKED Add,: 4227 NANTUCKET DR Hold Data: 03/22/2008 MECHANICSBURG, PA 17050 - 7649 Bt S0.00 M.�e APPLICATION BUREAU SUMMARY ALTERNATIVE OFFER ACTIVITY CORE Too fAlt-G1 Primary fAlt-Pl Employer [Alt -El Income [Alt -Il StudentfAlt-Sl Product TAlt-0l Mtsc [AR -A1 [Code: 009578, Tent: RATE STRUCTURE NOT FOUND, Field: 0] Location CREDIT CRD Image ID Mock # I No Rewards Application Loan Type: INDIVIDUAL Product: DISC Source I Campaign r --- Card Type: 000001 Card Line Group: DC Card Option:15 Receive [ / 7 / I— Special Handing Manual Fraud Date: Acct#: 6011-0008.1901-1713 copy to clipboard Prefilled: Merchant Id: Primary Applicant Name Title Emaa Meat eSign: No Yes Suffix Number Street Type Direction Apt # RR # PO Box Military Branch 1 —1 - 1 -�- http://focus2.na.discoverfinancial.com/focus/viewFullApplication.do ti 10/4/2013 711BCT FOCUS SESSION 2 - ASHLEY AGAR - Fri Oct 409:29:16 MDT 2013(naxp342.na.discovertinancial.com) Page 2 of 4 Current Address Oty Time©Addnas Residence Type f— yrf—mo OWN state ZIP PA 1 - Monthly Hsng SI Coimtry USA 5how Primary Physical Addrera Show Primary Previous Address Home # Bus # I - Other #If - Other #21 - Other #31— _ (— Employer ! D08I /f—/I -f— Age1--yrf—m MMNI - I Dependents f — US Citizen Permanent Res f US Visa N Name Changed N Spousal Sale Expired Campaign Occupation Employer I Length of Employment I Address I Oty I Stategip ... Contact Employee Id: 1 Employment Status: ... Education Level: Income YrMO Pri Occ OTHR Income $ 1 ANNUALLY Other Income Reminder Ory ACCEPTABLE sources can be entered in Other income field such as Alimony, Child Support, Investment Income, and Rental Income. income from Spouse/Domestic Partner can ONLY be included for I/AZ/CA/ID/LA/NV/NM/TX/WA residents. Inferred: $ 0 How will you manage your balance? http://focus2.na.discoverfinancial.com/focus/viewFullApplication.do 1.014/2013 FOCUS SESSION 2 - ASHLEY AGAR - Fri Oct 4 09:29:16 MDT 2013(naxp342.na.discoverflnancial.com) Page 3 of 4 Income NOT GIVEN Checking YES CHECKING ACCT EXISTS Savings YES SAVINGS ACCP EXISTS Source Add -On Product Authorized Buyer Language Channel Enroll Status Delete ? Rrst Name: MI: Last Name: Suffix; Relationship: !glance Transfer $ Referral Indicator ... Referred By Student Information Ref Traddng Student Non -Student Yr In School ... me Nana School Reference Address Line 1 Caty State - Address Une 1 ACT Code Graduation Date mo yr Major' StudentID� Degree http://focus2.na.discoverfhnancial.com/focus/viewFullApplication.do 10/4/2013 FOCUS SESSION 2 - ASHLEY AGAR - Fri Oct 4 09:29:16 MDT 2013.(naxp342.na.discovertinancial.com) Page 4 of 4 Product Requested Product DISC Tenn 0 Payment $ Amount $ I Rate I Balance $ I Purpose 1 Variable I Base Rate I Miscellaneous Information MONTHLY Source IP Priority r Drivers License External Cycle Code I Product I- ID state Approved Option Code I Offer Embossing I PLS Cts I Sale I °FAC 1 -- Test Test 000 - NEAR PRIME ACCT Relative Name I Relative Addr Line 1 I City State/Zip Relationship Phone DLP Routing Code NP Routing Code (SYSTEM) ALTERNATE OFFER ACCEPTED http://focus2.na.discoverfinancial.com/focus/viewFullApplication.do 10/4/2013 DISC VER New Balance $22&,30 WILLIAM 1 CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $20.00 Payment Due Dote June 3, 2008 Address, a -mod or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer: Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online CP Discovercard com PO BOX 71084 CHARLOTTE NC 28272.1084 000001986456454272014002263000000000002000 Discover More Card Account Summary Closing Date: May 4, 2008 Account number ending in 1713 Previous Balance Payment Due Date June 3, 2008 Payments And Credits Minimum Payment Due $20 00 Purchases Credit Limit $1,500 00 Cash Advances Credit Available $1,273 00 Balance Transfers Cosh Credit Limit $800 00 Finance Charges Cosh Credit Available $800 00 New Balance page 1 of 2 $0 00 0 00 + 226 30 0 00 0 00 0 00 5226 30 Cashback Bonus' Cashback Bonus® Anniversary Month March Keep building your rewards with every purchase Start redeeming once you reach $20 Coshbock Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 0 00 + 0.56 $ 0.56 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse nide 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Coll 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions Merchandise/Retail Restaurants Travel /Entertainment Government Services 30088288 $0 Fraud liability Guarantee Trans. Date Apr 12 Apr 13 Apr 28, Apr 6 Apr 8 Apr 13 Apr 25 Post Date Apr 12 Apr 13 Apr 28 Apr 6 Apr 8 Apr 13 Apr 25 Use your Discover Card with confidence TM 'HERSHEY BEARS 215-336-2000 NY PHI3D30D25-32339 WESTY BEER DISTRIBUTOR CAMP HILL PA LONE STAR PITTSBURGH PA KABRO OF MAJESTIC RIDGE CHAMBERSBURG PA WINE 6 SPIRITS 21 1 1 ENOLA PA WINE & SPIRITS 42109 CAMP HILL PA WINE & SPIRITS 2111 ENOLA PA 45 15 42 38 3000 32 00 22 77 23 30 30 70 IBIT Important information if awe* roe tan one pow 10 this :Ming 101(0 nml see the bar). of each pare fa eddd,coal important information See your Cardmember Agreement Yrur Cantnarllea Agreemert contains a4! the It1n5 of rank -mum Lost or stolen cards ne00111.0T0edaltlyi Ce( t.611.311.260$ 9od!n9 Rights Summary In Caws of Emirs a Orr: 0055 Aisne Yeti ail If yeti thedt rata hr s truing x if Ind anal nave rftam81a1 abed n 11454 30000 on rote tae wnro e3 O. as 3 se nate sheet ea paper at Discover PO 10130:.1 Salt take Crt; W 6413t.042 I es soon es ooss!ble We must hear ham you no ;vel 310.16D dais else we seri' you the tem bit or. wind, the eau a pechtere waxed You ran ielepham us but dreg so twit nee preserve rtes: rights In per Irma !tee us the folkhtrlg n4xmain8 • Yam name and Acararl nu'0000( • The dotter amount Of the suspected arta •[les:Jtla•Iha•mr0,and ngfl.1 dyou con why you betteenthere nanarta Ifyoirtreed Mere rdvma:rm 035500)1* etemyttareunsureAban 0nu dam*. have t0 ;arum eery anemia r0 ytrds1u0 whi!e'an are re: mime:am tel you rte Ott Atgote d fu pay the terns of yule be ohm are rat m gUOS10n Vitale tee (isles hgata yv o gret:bn rte canna!' el1ll you as delinquent 0' rake any aeon Ir, rriect Cie an10ul you question Special Rule for Ueda Card Purchases 1 you hose a problem with the que!0y cf goads cr seances that you purchased with a credo tall and yoo here thee n good lath C mica the aaitlein mitt the meat lad you (pity ',et have to pay the materna; erratum dam en :he n:raJh a ser.0011 you ;y, 0 airs Kohn:h n onsy when the imams., era 00000 mar limn' Fie) 8 /4 the aun'1!ate arts mode In your I030ho 0!010 rx 101011, I0.') miles .101 yY!a 1131ng n(i•2ss ill rye oval fx *rata the merchant or l ere mead'yW 810, 0Senisen,o!a (or dr) geniis at sereces 90 purchases ere orxeied regardess of the amount a !nation ol purchase i Payments Send 10111 your deyment and Pr top gown of chs statement m fie eroole,e groveled Dora send cash By sending yaw cheek as 40scnbed above you atehomo us to the 0formmuo 01 yIxr cher). !ornate an Ormolu: : sand Healer (nen yaw arrant r11 lt101 Oa i s:ea msn0,aa, ,0dme ted nn vote *tea nr t; process the [07010114W duck 113'15811.. I(.),nscnl 5 p300005003 3000l00 -10l10001001 '6001100 1(10 II01111ICI 00(110(31 Ole 0115)8101001 11cchec(0 Whoa re. use Information fr3^tymurcite* !omake 30c 000nicfundtransfe funds may be rwth'l,axn horn Yea axmtl1 as soot as the same day win lecerya roc, payrsont and yarI:Wool wa:e your chock fol: Man race ham cee 1110!8Ex1 The processsig at y3Jr payinerd may he delayed d you send cash correspondence or other lams with your payment d you send the payment t3 enc otter address a d you tee an 0010igao or01r, than to onp prodded Parma; renamed to ponce nem a: our pmal stag fealty by 3010 local 0000 many day set Ero a:YMk-0 Eo 1(o irAcanum as of Mal day Payments 10ccrAid tear pr0arss1,ag lau14i cher 5FM lam tend 0111 be cef:1e1 le yourAccartt as e4 the neat dee I1 you have n sptoced !roar envelope serzl your payment t1 D000000r a ! Bat 61113 Carel Siloam IL 91(0(11(15103 Fktas, o* o 1-10 days la dowry I0(0011(01111(111111010 retuned :mart am res rite the (011 21 ,memnt tie an clmaimlc dotal `Mu can pay your nom= payment ora greater amount over tate mieylrl0 .0101 you con set up sateen payments Celt us 011.200.347 26683 You -iFne :d Ill001a!e0w11 and your t0,va acanu5 ufcr,eat!on You rata! (-noes drat s,l0cent fends ere )1081able in :mat mak seance and ad ba sameius mint 0 1np(y w.1h U S bey You urea be anko:d ko provide the lest 5 Mats of you: atAunl sttte:neni zipWoe 07 entering these numbers as your ekctrene- sagvitae yeti w1(1 be eq!e01g 119e5 001110001103811 e119t10s and ;.UJ: bank t0 tided each Carla,! y 1.1 auttvnzo hurt yea hand crews, and to memo dabs a cede mates Z!)01,5 tont 00110100.308(0(0911031(011 to meal an tv.ror m he p0011c0 ng 0.1 such neyrr.m you must tell is the amount 0f each payment oIwo can *tem an amain! sorh es the flrwmten Payment Out or the Neer Seance an enc() slew:nen'. YOU 00 cm0t1 a neyme1e however we must octane imbue at Least three bowmen Cara m ad 'heel, c41he ecisrtukC permtrl Ycu may nobly us by phcmc a 1-M4-541-2683 a by r,ua at the erilress holed el the, ercelaus 101,3013(11 :1 eau? en'rmer'4 may very in erneent lee 1y10l left you on each monthly statement when ;stir, payment caabm nvldo and hay much is volt to Your f a:;mwn0 eayinent erbium may be Lass lh8rt reheated on the medley stalemate b n..dd 01 nears or µ0.;(:e010, 3(71:003 dung hie lnh.g cede Credit Reporting We mer report rnlatnab1,s aboa0 your 0.033 ,0 to sale tweets s Leta payments 0nss* [creams or silts( rdelo Oho ort you: amount may be reflected :n y o oredi war Nc.anma0y maxi the stater, and par. iot , h,s1xv of y01n Acanthi to csdu r?p30,19 ornate cacti mm 3 h yw bC(Ove 1931 ea !?.tY1 is Fracture orincomplete please wine us el the lama? address Duthie PO itx 15;16, YJ!nnoten. DE 13810.53:6 Feease rdade your name address bane telephone r'mber a110 ACGat'n1 number PERIODIC FINANCE CHAR008. 01111010(0I53110009(003100,8 10'1.0n'0 00001 t,01III000000I1050e the At& die liddsa,-tin poNdd 01, Ace.0001 oral ea date yeti pay ycr.n. clue New Balance, by mokmg payments or teeming cedar Est,=.eor if you put the Haw Batmce a, war p:cvr015 bile[ star. eras by the Pa yre0 Cue Dart shoe -non than statement and you pay dr. Hew Bataan: by the Papren! n! Due (late m y0111 0101en1 Wing stalwart! eye t th me impose Penedo Finance Charges on new paillasse tat, is. 7tu(tases test tinec.an:g on dr:unset statement Nie rat des the when pawl Odin -aced roll ail recerv.1 a bi0mg sater'e01 rine, ninth !let rrdrrles Perndt F00110540 11lwgcs en 01001 now purchases three re no grace penal an ha alma transferee; cath advancers We ton your Irensa0Nns ,300 groups o1 purchases cash advances and balance roasters sad then pante: sat de eansacxsss hn.lvn each group cm than Anneal Percentage Race For addid10 mochas.% str4ev1 w o ry'rrxi0mel rah: 000 purchases subtea to a sbmlard rale :yankl be separate pan We retie re these gtpa(0 as bervi Yat(Aegean PO die end of ranch o!g period we mimeo baarces and Parodic Finaare Cioee(es 10r each day d the h inq penal fa each hansa:han caregou We use tee:' followng egaaton to compute Faradic Finance Charges betel; transactor. creerry .Average Darr 010t1a1.e x mantel of days in the Man;mum, a Daly 040883,1103111 nbti ruy10'1031 die finance 011109e .5!!remary cal Tow 30111 aml1mrnn rm these arm -Lints 1 Ther tee add Up the Pao* Finance Charges fa dam rmsarann .Ye9M/ In get (ole :aa PCnmdr: f (01110 C1-1,30; R.r y00 A007tr1 the AVem4e Daoy Eaharce 1F gown os Zero 4 t4180stn se a' (fie. grace penal 50 Penick Frnrxe Chines 'mph 55 dee behove r' !n it vide ctidn eav4or' We use t1a Average Davy Balsam enduring new nransnernsl method et cakwatrig the brance iron which r0 enaese Per3d1 Finance Charges. We ane! a,le 00 110 01070 LI* !1,r'anre inn each tclns1ctla 0a'eg(ry by adlmg rip at! the dam) hak00as in a bang OMxxl ler a nansec013n cah+-gnrr and 11x03,19 tea 10111 try the 3[034-( n: days m I1* hdhnj (d.,. ',So cmupute the cher berme ay 0 1 transaction categay 0.•r each ,ay by first addint, the fottoma„ U .he feCe10u5 da•JS eat( 9(0!0001 rules terns made that day Ices c1arg0 that day and Noah: Finance Char dna 80.Yped an fee prm'atc days darty kllrntd and Iry than s(40110 ang any wells aril pay 00110 that are *Med aged's: die. Wearier 01 the rarrra1nun category on that da; in calc4nrr the dot r beanc b: the Est day of the !slog period we consider the creneus days balance to have been your belnnce tor each transactun 8:,10,3,5: w1 the Lest day eel your kaalu111 ulny period it a transaction is putted it, p.o A'.tand akar the rl.. u1 the !attic p(nrxl m rant d 4crui: 1511 0111108! il,e h im:144 l es pay. riga 001U11el on the Orsi day or the bet no pentad in warn n s pedal to yaw AcUJunt AO less 0113191.6 is ran A coernt are added le the 0)6011.101 pu•thase naesa_tlan tmgny with aha exception 00 Cash Aivanrx Tfansacbon fee 0101100 Charges stitch ars added to Pio apple::ble cash 0d1ama censaaon category aid Ba1.n3J Transfer Transactor) Fee Fnanoes Charges w01ch are added to the applicable batant1 transfer anew:ion rateuar: When a •,,zeal brianc a 113501ar re@: 0%3nt-s rte mane ;t1 untied bearca 0101e il40n3 (13091er and the Balance Transfer Ttarsay!rol Foe Finamm. Charges to the standard purchase 011,a1rpn category Hoaetwr Afire spiral rate nits been terminated reeler ihn. Defeat Rant f9a1 we. eaie the 1$10001 botance el the tAlr.11 transfer and the Ba;anc,: Troosleerions• a^,•cn ice rm awn Charges in rho rq>jitcalk transach3i category until the 3ectal rate a-JriW have sapreed For TDD ITekcommur lcadons Device for the Deaf) assistance. please (all 1.1300.347.7449 0rra et new monr<ar41r wand ;viral a ra'l5 be:ou o* you 9Rl Ttsa 'E(r03mesen'dnvea len (Ui:0!y assranee proposes The Fnsxrset cants issued fry D!sao;er Bank Menthe, FDIC 30088288 0.1060170 DISC VER It pays to DISC VER WILLIAM 1 CALVERT Account number ending in 1713 Closing Date: May 4, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period Daily Penod c Rote 0 01068%, corresponding ANNUAL PERCENTAGE RATE 3 909; Rote is subject to the terms of the offer including expiration Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current bilking period 30 days Purchases $0 0 01068% 3 90% F 3 90% $0 $0 Cash Advances $0 0 06847% 24 99% F 24 99% $0 $0 previous bilh�n penod 10 days P30O88Lti8 $0 0 01068% 3 90% F 3 90% $0 none The rates that apply to your Account are either fixed (F) of they may vary (V] os noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC VER New Balance Minimum Payment Due $828.41 $25.00 Payment Due Date July 3, 2008 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone chonget: Print change m space above, or go to Discover corn Print your a -mod address to receive important Account information and special offers Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercord com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014008284100000000002500 Discover More Card Account Summary Closing Date: June 4, 2008 Account number ending in 1 713 Payment Due Date July 3, 2008 Minimum Payment Due $25 00 Credit limit $1,500 00 Credit Available $671 00 Cash Credit limit $800 00 Cosh Credit Available $671 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $226 30 2000 + 620 07 + 000 + 000 + 204 • $828 41 Cashback Bonus" Cashback Bonuses Anniversary Month March Keep building your rewards with every purchose Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance $ 0 56 + 1.55 $ 2.11 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired( see reverse side 1 Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewords and more 2 Coll 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments end Credits Restaurants Services Government Services 30088288 50 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Dab Jun 3 May 24 Moy 13 Jun 2 May 4 May 31 Post Date Jun 3 INTERNET PAYMENT • THANK YOU May 24 SONKAS IRISH PUB & CAFE TERRE HAUTE IN May 13 OLAN MILLS CHATTANOOGA TN Jun 2 CSI'GRAD IMAGES 800-424-3686 IA 402251 May 5 PA DRIVER/VEHICLE SERV HARRISBURG PA May 31 WINE & SPIRITS 2107 CAMP HILL PA $ -20 00 44 00 439 85 81 16 36 00 19 06 Imported Information if tyre is more tan one page hi IM bArg statement see the bass. of each oat kg adcb4cn& rrulmt ttom1aton See your Cardmerrlher Agreement Yew CanknernlxrAgreemcrt can'ams eP tie terns of hourAccnun Leal or stolen cards Repo eimadeloly' Can 1.600.347.26113 Billing tights Summary Memo of Fiorito/ Dittman Abut Your ^Ji If yeti Ms* van hr9 u: rung me sou nears mom information about n transaction ars your!([ moo to es 1x13 lopes ale steel of pope( al ((wove( PO Bei 30121 Sall Lake Crty U1 Ei 13d• .042 i as soon 6$ poss11ble We mus: tea irom you nowt.' :Jinn 60 da(5 attain vent you the 1x31 ed1 on 11hdt the eine x faettem aporaml Yeo con telephone us but taw so ray 1011 p shave gar! tights (1 your *Max Tye us the fatwaag mforina nn • Your name and Recast Marna • Tre doer amount of ale suspected afar • Describe the num and avian if you can any you tedeve them 3 an arm If you need elan 11081atton d0511We the den tow ole V.lstae about You do and hac0 to pay any IOIIII I .111511e511011 *1710.4717 orb el\4.Strgubn.3 1'41 you 111.' 505 atti ted (a Day the baits of Sian be, t iii .1fe nut in g11Jsa0 ate. tv1 Iles hgala (7171 question we carnal lepton it,: as de!ngJ>rt a take any aGMn to cannel the a0ta0lt (OJ;dessert Special Rule for Credit Card Purchases ft you harp a ro1hm edh the query of;Kods c: ser70:s pat 5(01: purchased 1t•dh a credit card ore! you hove Islet in good tats to :Drina Ile problem alih fie 11,71117704 Il o,tiy ia11 here 1'v pay the tenra,070 anent due un the goads a ser..•>C Youhr,a this p,utrdun testy whsle tie puedcroe ;71x:rsfv 11101VI7+n 5511 and the purchase Nat ruts in your harm slate a 1rldttrl 109 Olaf.^_' of Vert ma511g address Hi am OM a 07Rrar6 the moidha 11 or if1087103104 ra,r ;.^.e ad1_Mns(mont fa- 513 gals or seroas al! p-Jrchesesate coveted rega'7*e`_'s of the anl3Jnr 01 tmalm o! p11r.1JM101 Payments Send only your 787/7/00 and 1701 top p441W. of this sfatealert 111 the etnielcpe provided Corot send cash By sandn7 y.7Jt ekes.'* as 403117 bot ats:±ve 1m1 altlt4x23 us to use thiamin on you' tha* to flak.) 01757103111031101101111on tram your nor 111 e1 the fmanc01l msai11lJl eldt,at1d res say eine*: m 7lordass the ua,nl! 11 us a dioek 113rh81N0 II payment is proototed as en meantime turd oonsfer T. transfer ail be foe the amount on (tie chis. When 1011 use information train your check to made an •: edlcac hold Ira isfer funds ray be rdthdtxsr, ban yon =mull as soon :Is the same day** (011(y taxi, payment and ytx1:-all mol n!t1r:' y+.t:a rlecdl ilac% nyll yaJ1 finvuml 0106fullan The poaess11g of your payment maybe delayed it you send cash tarreepondel37e or other gems with your pay115nt d (xi send the veymx6 to Ont' otter adthesa ser d you ase an 00Nd510 0.1121 Mari the one plaided Parrots martr,ed to proper tans a1 cola aloalsytp (ae6re try SPA( focal tem_ on any day vat int mated to yarAccount as 05 Crod day sprints recesied at our processing 0014( after SFht loco' Imre tail be aedled is your Arzonnt as al .ie 1011 day If you •.ase tosolaced ydltr emelor- serf yew paymctl to Discover P':t Box 6106 Cad Seam IL 60101.61' 1 Manse arc* 7-10 rays 111 dvr.t,y if ran Nip mit is reh1 sine ti 07001 we tesd700 fie ngh1 a'rasulmal it 3e an ekC.mme debit YOU car, par your minium payment or a Voter enwunl over the lelepbma at you con set up 031311/0 payments Cot us 11 1.000;l47 263 You *need dhs atalemen! and 5(x07 had 01.alurd mlamralan 'Tau 10051 aside that 51111ae01 funds me ayatehle 1521 Vein ten* Daannt text all buitsmotths an 05 manly Belt IJ S k+v Yeti will 611 04: 10 Mande the fes! 5 ages of your rawer statement:!p code' ep entering hose runts 0s as y001111.11tlacr., raynaaxe you nal be agreeing to 000 8t1011111031101'to a1TV us and 7031 hank to did ad each 031115ent you au/bonze nam y010 bat* PTC001.01111 to nll.lte debt a coda teams to your Iitthk aman* 35 eipptrabe to 173(10 an csr0t In 1110 51 .05wg o! suet clayratir 10011521!55' 18I' 115 the amount of each payment or you can Se4801 an r5M11nt stir1) a5 the f remum Payment Dae of the New Baaelce an each gatemen! You can 11911101 a payment however 11C rllJst ;Ker o mkt 0110051 thrc1511R•nm35 taxis n advance of the Shc[duk1511% inert! Yoh may natty us by prow at 1S00-3472663 a W aril al Me address toted tit 1'711 mums paregtmph 1 your prlmeite mayvary in ame10t r.r, N•rd 1c0 yeti on erx`h mTlIhly statement whin your payment 1:61 be 050(55 ami 17:1170316 r, 04111 be Yaurf:l ;vnaac payment amount maybe lest than rebooted bol the nlattr7 statement, bassi on until or tnyrrerls .7)750111 ding 751.1(011117101,7.30 Credit Reporting We a2y report information about your ac004n1 to sett bureaus 1876 paynrores gsstO 78(011?as of aha debuts on rtitacmint may be legegai 1n yourokdt 7007017 'hY ncm;aky mpx 1 Else slants Old pay,' tat ls73e of yam Acanthi :o cel; repining agents:to each month (i you 1101015 aye ox :•:tans ttvccurule or axrcn7llne phase 001e us et the foliating address Dissvver PO tics 15;10..'. hnngsxo.OE 19150.5316 Fleas, neade your norm address non* telephone turner and Avaurl number PERIODIC FINANCE CHARGES. Perr'L0 Fetancr Ch8tgres the (0;00ed a1 eft transactions Imitate (tale the nanaa^ur115 poslor! m piss 1cv7unt until etc dare y117 they •fibb entre tons- Hatanee by baking payments or re:er:rp courts I15e.000 if you pad tut No* Bahner• al your p9(err h11 np 7130 rt ny !he. Payment Cue Cr,1e *:'Leon (x1 that Ftoteme t .and 5118 pay fur New ealanm IN bre Formal Doe Dale on you parent 57111.111 slathered We on'4 7011 •npuse P0adt F11zys C7mges 011105115050118101me/ :Nit ;10151,400 frs1 90tazraeg a:11he coram 5.ateinent We rat Ohs ale Cita(paol1 0(510rvse vat Nat r01r:'9 z 1a11ng statement .r_r, mull 101 ao utas Pr.•i,dlc Frnanee Charges on those new pul0uses There Is no gate pa rod an baantle 1101fetc a cash rdven es We sort you fronse01 a1 lay` groups of 0rcilase4 cash 7 07m1es dad b0I000e transfers Dail then father sat the Canso:thorn or 13 0,7 oath group by that Annual Per ottape Rata con example r8Jrcr105es 50r10. to r. p irr?cceit rate and aid lascs sot ;re* to a standard rale (silt be separate 9.1450 We rob.* to these groups as 11ea£.1dx caxgol*s 41 ifse end of each blbg period we 101/17100 69411ces and Po'rod¢ (07enrd Chagos for each d&y 1k the Mein p51to.1 for earn transauton uneyyerd We use 1110111199.10500110110(0017111 Pea dye Finance Cba13a5 la 111111 tian6tichei1 araznry.Ava18407 0.9i7 Ltalarrue x mutter of da1s t1 the Isline period x Daily Pau;,dx. Rae *Yat may Feta' 101 the 1010th 0178l98 vans -ivy on your r ihnn 1.8Clment to mesa aman71 Then We Nil up int Pcro& finanat Chaves for earn MArsnram category In pet the 1011! PG.rdr,. F.r1nne Cl1nre13 F! yea Arnim: i he Areuye Defy Fahanoe is snow as zero 11 tovetiso ox the grace (runt no Fangio Finance Chagos apph, *Mu 110070 p n a uerrardnn came ow We use the A,0rage Daly 5713on unG.dng net urn sacigrs! rnrthed of winkling the breams upon Ntch tie e;pose Fencdre France Charges We 00011/50 the Marne Daly 51,711x:9 to, cars!: bnesa,lxtn adept), by add:ag up all the dal). tl0Soltx10 in a 5111 '?I sears fora tla1 6011011 U.isgar,9rxf 1741119 the lata) by lnih cumber n! d0521 In thb halms eye.' i'. e compere the daisy hrdrnce fa east 1mns00100 categay o11 each day by first a6.kreg tho fan: rug to the grout* days logy balance tnrsaT7 arl3 mode that dry fees charged dos day tau'. Period;: F181110 Cheiens ever -1071 on mol previous days daily balance and by than Out 111111hng any molds x11 payments that 150 (mobs 11grm3! 111e Wanes. o1 the tlansuewn caner,. on 11191 day 10 caleuia6n5 t.e baa, bn4nce to; the Ers1 don't! the 505((51 penal •.0 e0nsr5e: tie prethd90 drys b3"anZ01 to loses hrwJ1 your balance I.0+4.60 tbri£91tv11 mussy*: on the lust day of sir aviary Wire penal1iI a hemostat is gusted ie your A•.0andsent theG5..:x52 el me 117sty yxrlyd m ,e7a:1 d x77,; sic•5111heat the hanaaedif11Y.51;eV resp 0Gur011 m the first day d the blknq penal en which tt s pentad b yree /.re1Jnl Ad lens :harped to yea fiaoor1 ere added to the s„md3d purcha1t arose: no cosrgay with the exeephon til CrnhArtnm'r'transaction Fee Finance (porges whrdl aro adore to ma opt/table testi ae!v*i a tans: an category and 3ai0ree Transfer 11,300 711 Fee Frnamrxs Charges whist. are adient to the a ophwble baance transfer hensac1Gn (81:932 When 60,•waal balance transfer Me expttr0 ac r1Fry the unaad ba7r0e o! ire balaran 511015 x ant !tic Bvlarre harder fmnsacnon Fee Formai Chagos 10 the 11311111(5 amchose Imnrd7070n:Aleaory tinwessr A the 55eo3100% his bean 1071.1819111001007771.221158011 Rate Ilan 201. 00se the unload bate cid the balesth pantie: and the Baranee Transfix TIons- (0tern toe Firma! Charges n the ap5dlcatde trarseamtha,degor: until the srecall rate wand hays, 0 701st Fa TDD ITslecommumcations Deems for the Dean assistance, please call 1.6011.347.7449 D5Ja'91 air, monitor (into tectal m.•leal age mils b1INecn yeti frond DEMME rea'1:54tran1e1 Its nattly asetrance pi nom The rnstmor ran! Is muted by Dsoaer Dank ASernbet FPO 30088288 01/110170 DISC VER 11 pays to DISC VER WILLIAM J CALVERT Account number ending to 1713 Closing Date: June 4, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rate 0 01068%, corresponding ANNUAL PERCENTAGE RATE 3 90% Rate is subject to the terms of the offer including expiration Nominal Transaction Average Daily ANNUAL ANNUAL Penodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 doys Purchases $616 12 0 01068% 3 90% F 3 90% $2 04 $0 Cash Advances $0 0 06847% 24 99% F 24 99% $0 $0 previous bilhn enod 30 days Pr3.8O8828 $0 0 01068% 3 90% F 3 90% $0 none The roles that apply to your Account ore either Fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1400 -DISCOVER (1.800.347.2683). DISC VER New Balance $881.02 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due 527.00 Payment Due Dote August 3, 2008 Address, e-mail or telephone change Print change in space above, or go to Discover com Print your a -mod address to receive important Account information and special offers Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card or poy online @ Discovercord com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014008810200000000002700 Discover More Card Account Summary Closing Date: July 4, 2008 Account number ending in 1713 Previous Balance Payment Due Date August 3, 2008 Payments And Credits Minimum Payment Due $27 00 Purchases Credit Limit $1,500 00 Cash Advances Credit Available $618 00 Balance Transfers Cosh Credit Limit 5800 00 Finance Charges Cosh Credit Available $618 00 New Balance page 1of1 5828 41 3500 + 81 82 + 000 + 000 + 2 79 $881 02 Cashback Bonus Cashback Bonus® Anniversory Month March Keep budding your rewords with every purchase Start redeeming once you reach 520 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 211 0.19 2.30 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover,com to pay your bill for no cost, viewour latest Account information. eam and redeem rewards and more 2 CoR 1 -800 -DISCOVER 1347-2683) for fast, easy self•service options or to speck with o Customer Service Account Manager 3 Write us at Discover Cord, PO Box 30943, Salt Loke City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Gasoline Government Services 50 Fraud liability Guarantee Use your Discover Card with confidence Post Date Jul 3 INTERNET PAYMENT - THANK YOU Jul 4 PAYMENT PROTECTION PPD 1-877.883-1959 Jun 21 SUNOCO MECHANICSBURGPA Jun 7 WINE & SPIRITS 2107 CAMP HILL PA Trans. Date Jul 3 Jul 4 Jun 21 Jun 7 -35 00 7 77 64 34 12 71 Finance Charge Summary Average Doily Doily Periodic Balances Rates current billing period 30 days Purcba ear, $869 29 0 01068% Cit<UA✓L 388 $0 0 06847% Nominal ANNUAL ANNUAL PERCENTAGE PPEER,CNTAGE ATES Transoction Periodic Fee FINANCE FINANCE CHARGES CHARGES 3 90% F 3 90% 52 79 $0 24 99% F 24 99% $0 50 The rates that apply to your Account are either fixed (F) or they moy vary (V) as noted above Important Information Newel!, more Tea one page N Ito hAn7 stakln^m see the back o, each oars kr eddPrnal important edcrreaooi See your Cardmember Agreement Your Cartenantbet Aremer4 carlms Irl tat turns of yo'Acaolrl Lost or stoke cards f:ep i amadaselyi Can 1.81404 7.1.6b3 &limg Rights Summary In Cad• of F.nors a Onestions About VOID Pal If yr,: 0001. van hr? 0 keno cr d you neat Mare 'Maranon aka n :101 10nn on roto he twee to us art a seperak sheet 014 pope al Discover PO Bar 30421 Salt lake Crty U164130.0421 as soon apostutte We taus: hu or hat no Wei 'Iran 60 dap ark sent you the test bfl on which the error 13( p; .Ment appeared You car tek;M0101 us but dt og weal nor Ono.00e your tells 4; yaac Inlay orae us the fokurang Information • Yax name 010 Nestorl 00001? • Dv donor smash of tie 04001 eled error • Describe the nom old ng11arr d you eon ,vhy you Ikea!) Moe n an 0x04 If you tined nate nfnnna'aor describe the neon you are itslna:ban You do not hate to pay veryorxarl in gtestoo. Onto um in ea?ribye3o MI you are 051 alyenatod to RI true o100 of yln3 to thin are rax n ques1un '0* tee roveshale you goe300n we cannot moral you as delatqueni o' :Eke any aceon to collect the amount 90J eues+J0n Special Rule for Credit Card Purchases If you hove a problem tell the quakry of goods r. seams that you purchased with 3 aedd card and you hole Olen ei good fat. to area Ile problem wrih'ha 03010 wad yuu rimy Kt have to gay Sae le0t3a:rg anoint duce al the goods01:3.0x: You torn the autocrat a'ty when tie ma chow pane vas mare thine sill sad Ole pun-hate was ranee hl your name state a within 100 00 3.0 of ming adreass NI tie amt a . OeralR the merchant a [(we raced you the advertisement to the 9010 S¢MtX0 s9 p:tchases ale coverat regardess at the amlun ar Meabyn 0f ptvahasa Payments Se;d only •1001 payvrav and O.0. !op porton of this Mammon! in Ort crra'epe proofed Do IOI send ash 9y ser3.hg yote cheat as dew-Mee orale you atdhauay us to use nlortmeua o1Imo check ro mavJ an Orontes:, kind ti aka Inas; mut e:m kU at Pm fir sew! msb50tnn n 310 1011 an par ohne*; or to a:0025511w * rmn'd as a Brock hunsachon 11 payment Is ow sod as to cKntrin.c tudd'mask tic Ora el r ma be for the amount on the check When we use intn:manon from rut chert b mak an ctMrorct f:,d transfer funds may bo m;hd3anr Iran pint 300004311.1003103310001000010 day we Iecerrr your payment. and y ort :•rli rd rattan:n your dock fork h•.nt par named 0 slaukC•an The 1Aace0srlg 01 your payment raw Fa delayed rt y0u send sh 010381400100(0 Other rens with plat pay 11901 d sou mond the pm/met/to Any oak add, ess v d icy use an Onvdnpn atra Manta a ono proofed Payments mccmcd m ploper 10001 a: our pta31009 fac4y by Saki local tame on any day yAi be aA4ted 10 Tat, Account as of thtl day Pay natds rece-r d AI :vin p100104330) krt4Y after 5Ft.1 loan 000 utl be ae4)ed to your ktrnun3 as at the next dm If you Neve misplaced your enockpe sera your payment to D*occler P(1 Box 6su'1. Coto' Scram ILbfi101.ot03 Please ince 1.1C Bays iu dsmay II wen Nyland is *0;33001 anneal we 100000 9h'reM at,OSllmst d to: an ulacthrith &Ala You can pe; your miaow payment ora mew amount over the telephone and you con set up outomnnc payments Can us at 1.400(3.3341 24153 Yoe .n* need thy, swanky, and you" tank sours nfduca3on Yau Intal eriSula that 011.'4000. rk funds mo avaiutde u t yrnu ton* son rl•. erne a0 trunsa01cans :nal amp!), µ1d: IJ S taro Yat tint he astral t0 ptuVde the fn! 5 digits Of year sCr1Ont slatelerd zp code Sy entering hose numbers as yea eie'Oren, sxflnlxe you ea10e ag:eexhg ea Oss 8u1013000130f1 t0 a!law us and ;our honk to nodus eadl pblm'ent ran 8111113001090111 0.713 0303. and to mew debit a erode emces to yam Irak nand, as ar3tcabe to coned an e:rer m f 1C p:Ol•cssmg of such payment 1300.: must telt IK the amount of each payment or you eon sesta an amount seal as the Minimum Payment Dire or the New Scarce on each slatamedt. You can cancel a payment Wormer 00 Ad's: sabre. 111331 3 at Least tree bu, taw's days in 01vonot :l the slfyclukr payment Ycu may nary us Ly ionone in 1-5N O-347.2663 la by nirl at 10 ai011es5 I'OIO4Irl the .0030000 palngrotdl t sax pnymr. es Ina( 01(01' tr. amours ac w+4 SN! you on each monthly stamen! when puff pawner,' da01101 01100 and 3131, mach r. ea be Your Au:or:are paylmcnt amour' may he les, awllrJra:ed 01 the rno.Nhry O'a1elralnt baud on meckrs w 11033011001113039331101$ dome ane Mimi ciao Credit Reporting We may report 0l313'01138111*? about your excaton to aeric bureaus 1.016 paying= mused paynenl0 or other del 0110 on your acca1nt may be Polkaed 10 your Mutt raper! Wo normally moat tits status and 330/0373019000*' of 0015 fuculad m vett (091010 9 09010011 cacti mom ft Ivo tame Rai o-0 r:•*nn s 0haaa1a1O a incomplete please Nlae us e1 the f0lwwnhg address tis sax PCO tics.153141. Yelmnoon DE 15657.53116 Riese nd:lee your nano address htme :eiephone timbal and k13o01 number PERIODIC FINANCE CHARGES. Petndx Finance Charges ate camel at 4130 030aalohs ham ate date the va^.ar. rl10 i300101 m'rn90tuuat anti 0111 Ora you pay your entre New Dobson by n3k:rg payments n nocerwng cradle Boob, 01 if you pati 0110 Nth Balance 01 yule CN000 M1,rc 0333?1 0T by the Payment flue Dale 0,3.1511 en that 5tal'_m3.0 and wseo pry tie New 9alante la Coe Peyton! Due Dale en your co1IOa bang stat:: hent ore 3019 no, Int: ase Pentode laws Charges on now purchaser Chat 10. ;cid-ours 11(03103tr ar00 e the currant stareorn! Yye rat tins tae Iarast period Othe Aso you ell meet,* 0 MC th4 satema01 next month Ohm caudes Fronde Ftnnpre Cha yrs On those new purchases 'Nam is no gore pm rod cn hatena nlns.4as co cam advances . We Nin your transoaens kb grclrps r•1 pu,clh0ses Cash a103100v00 end oafa3ce mangers pail then tatter son the tansaeb/ns other each g'O11(3 00 11033 hens' Percentage Ram car examine 0010,0000 s0 !13/0 E 310Tle1131 laic and p3udases attlteel t0 a standard 'ole would be 5Pa:wad ICO tele, i0 these trmups as transaction (11109are s AI the end of enc*' 10001q penod we 3t1Sr10 balances and Pewdie Finance Chagas for each ley of til, Mom CFnod for each .ansaarn cale4*ota We use ter, 0 410sng equation I0 ;ampule Pmrtd:t Nome Chagas la 00111 bans ow arsp;1y,Avalage Olney PxlaI110 rce x anther of days r! the Vierg penal x Daly Pa0 31310 0Y1µ may rue O; the lnaire duago $ia'nlri tit Vag h3trcs 010111nent fry 1005: 3310101 01 Then we add up the P01'00401 I?n;ulon Chines fat moon Ir,lsn^.mn cvrpor4 ro gel the Oma' Peri do.. 0118(03010010319001/00 Acyxnt the Armor 944y F.alanue rr Omen as -rya 41 because o' the grace tenet no Fen:xic Finance Clwrges apply to de Irala11:e 1•'1 a tarsoce311 ening ore We use Ih0 kn0rege Clary C33"Jn4' hna0lfmg new L•a.'15attrmns1 trYlh0d of cafiltc1l'jo3 the b0'Arce upon winch r.0 f1Tlpse Fencdc Faeroe Charges. We =emit the Averrpc 94l4 Valence tar end: trnesrartlua C0'mhry My ad'h:3 up all the laeiy ha nws m a tAn0 mint; fa a tIansa0 on oar ;'pry 301.1 tvu3,r he 1:101 My 1On notate' of clays 1n tea hies) cpa+ 15 e compote tic dewy Want* for coat 031001.11311 catega :' on each day by rust addlrrt the l0Mcsr,3la She raucous days defy balance" !ronsmeons titrate that day fens ct1rpx that day tan. PO.;rodo Invoke C0orgns Amstrad on tar precuts de; s denly 10,semn and try than 1011111114113111111410111330/13100431(3331.01(1000311111 ara1e: tae bldanl'e rd lha:masa:iron cooler, en arra der In gkulahn4 the dal t bn'ance b1 the Mot dm of the berg p0144 ,on Chys0or pie preoOus days hatan e *roue tv:an Win balan:e tar each tansac'.30 10110111x0 ort Ifne Lill day ft 310101 pe+.otr 1413:3 pe;rsi 'la ItatiSentrn Is 3xrsled to your Aetsal 1 she: the it.^.,e of the t1411-,g petal in mit.. d Vc1o.LS n,• er*i seat 1130 11a415a0.001 es had. ing Mt ors on the fest day el the 06033 period in whin:: it 0 costal IO you, (1014700 .'n leas ottani/4e to Mx Aantls1 are addni k the skated ouwchas:: narsacto11 ca!e0ga;• with the exception 0l i.tr hAMBITO ransacker) Fort? I••im:nc0 Crapes etre. are (chane lc Me appixrble cash advance Parse:*30'z!epyry and .mane Trarrufer T,ansa000n Fee Formers Chonye<_ rem h are added to the apo4c&ble batons* Iran she- nrsammn category Who:. u Cpeaal b1irnce transfer rem exams ac m4Wy •Ta Wiped balance 0f 1191(1007133? transfer and the 13a1aree Itansfa Tr0riv c6O0 fee Fourme Chargee l0 the (41334a:d purchase transeavn category However d 300 spray roc nu 1ecn emanated tinder !!yy Defatrt Rale Plan we ;Core the Impart' Llabrem d the hokum trms101 and the &3100c0' Tien.Si0' Ttms- 011130 Fee Finance Charges in the apt£,caleo uaraxtpa vaeg0ry ural the slecial rate nand have exerted For TDD ITelecommumcatians Device for the Deal) assistance, please can 14100.347.7449 Dtaranr ase, monitor arida tetsid retool one cats hmwecn you and 300001er mp csentarwe: k3 gn13*10 risetranco plct•1s01 Tie Cnscver cant is Issued Irl fnaner Hank *107:110* FDI(: 30088288 017130170 DISC VER New Balance $1,249.02 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $38.00 Payment Due Date September 3, 2008 Address, e-mail or telephone changeE Print change in space above, or go ro Discover com Print your a -mad address to receive important Account information and special offer: Account Number ending in 1713 Enter Amount Enclosed Below $j. Please make check payable to Discover Card or pay online @ Discovercard com PO BOX 71084 CHARLOTTE NC 28272.1084 000001986456454272014012490200000000003800 Discover More Account number ending in Payment Due Date Minimum Payment Due Credit 'mit Credit Available Cash Credit Limit Cosh Credit Available Card Account 1713 September 3, 2008 $38 00 $1,50000 $250 00 $800 00 $250 00 Summary Closing Date: August 4, 2008 Previous Balance Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges New Balance page I of 2 $881 02 2700 + 391 13 + 000 + 000 + 3 87 _ $1,249 D2 Cashback Bonus' Cashback Bonus® Anniversary Month March Keep budding your rewords with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashbook Bonus This Period Id 2 30 Cashback Bonus Balance $ 3.24 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347-2683) for fast, easy self-service options or to peak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943. Salt Loke City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence Trans. Post Date Date Payments and Credits Aug 3 Aug 3 INTERNET PAYMENT • THANK YOU Merchandise/Rotas Jul 19 Jul 19 DICKS SPORTING GOODS M PA Other/Miscellaneous Aug 4 Aug 4 PAYMENT PROTECTION PPD 1.877.883.1959 Travel/Entertainment Jul 10 Jul 10 FEUCITA GOLF SHOP HARRISBURG PA Government Services Jul 8 Jul 8 WINE & SPIRITS 2107 CAMP HILL PA Jul 21 Jul 21 WINE 8 SPIRITS 21 1 1 ENOLA PA Aug 2 Aug 2 WINE & SPIRITS 21 1 1 ENOLA PA Warehouse Clubs Jul 4 Jul 5 8J'5 WHOLESALE HARRISBURG PA 30088288 3 -27 00 48 19 11 01 42 00 23 30 42 90 42 90 180 83 Important tnformatton If [here a more Pan ox page W the PAN statemorr see the back o' earls Daae kr tadNobffi rd'Adent eder'ahon See your Cardme other Agreement Yoga C+rdnomlxn Agreerner; caroms ale the rens of o arks: matt Lost or stolen cards Repatmm0dataly1 Cat 1.6:0.377.2f7'ti Sifting Rights Summary In Can. of Emirs or Orlesain5 Aber. Your Ni If you that •vow tie 0. wrong or dyon need 010n,01001o11cn ab LO n sansadaa on tom FSE owe to c'.. 113 separate sheet of roper at Discover PD Ba 30421 Sal lake CT/ UT 64130 O42; es soon r'o possible We mast hear horn, you no :tel Wan 60 d ars aber•ee sent you the fru; bit on y:Nob the erne re mages. append Ya (081 tek•rholm us ted dor so w41 not ptes•t m fol: rights in yore 0.103 tyle as the fotosong mhos:elan • Your n310r' Met A vnenl I00MMr • The eider mamma cr tie sumpedeck error • Geoaix the ono; ;100 n.plarl a pu carr illy you b lose!11.50 5 an ems If you reed new rt0onainn dr ,rnbrtt 1 den rpo oleoeo500 oLotl Volt do nal 11350le pay mhy nomad .01ittesba1 ele!e wa eT e1Yeeayarq ha you ail' Pa 01h4:110110 pay me trots M. Foul the 11a! Are not 8 pOsnon 'Aldo we rivestsgata your qu010101 we camel levee you as delinquent o: oke any &iron to collect the amount you quesuol Special Rule for Credit Card Purchases !f you hr,e a roct1IPm :Yah the query 51 goods co semoee flet yat puchasee Koh, cr•_da cord and you hose tried in road fat to dormer the protdein nosh the n ,oe0w3d nevi rm!y fol hrr o to ploy Ise ten et0-0y anwlad Out un 1.11e010.10 rp %el'•1'Xrs You 43, Nn5 pfuhn:fah only Yrfeir m W pol0001 {MIM: Y:ds more fuel ES.) 313111030001001131000(0 four mune stale O! totem IUJ miles rd your owing aMaess ill leu oral 10 merare the mrdari or d o0. maatd pi the advertisement fm to goals or 50;10005 00rurchasesare cruere0regasdessof:nearMuni 00 rC.300001pUxJwse? Payments Send nor; your *mem and Pm lop peruO, of loo sratenKYa In the eev0we prwa: ed ?o not send cash By sonernd your check as &seniors above you 0 00.041 us to use nb!ma!lai et1 your ch r}. to mete Cdi 011:111.011 Fid 110:35101' Irian yew arrseml n1 Ion. 11:45104111111010.43014 rods n dial n volt na+o00 45 t1 process the Parnell as a crack 113,6144.3.01 11;oymer t Is processed as 0n cm.ototrc rune aoraler the Ira0sfcr nal be for the anoure otI the check When oe arc Information from your check 3 male an 0 1(0cnit hod (04x_00)1 funds may be 0101111 500 than rise accamt di soon os the sante day we lecer s yots payment. and also mil not serene ynrrdaek hack Sorb ;us, 4nonod arc:mew The pracesing M pus payment may be ddo re d you send cash ;aurespond1 ice 0 other ;ems earl your roamers d Fou seat the 0aymen: b any u'Itel address a d you use an OrM'tr�ad oil.^.; loan to one pf0rined Payir8n35Meet/elle p00ce Idem a! Fro 1100 0004 foot ti by 5011 ictal land on airy day will he (7511113-010 ma AOraUn1 as O.r Prat day P01nc000 recryed al suo p•o:..115 a1q ia_My atter 5Pkt loam rime ail be :melee to your Accoot as ot'he sea 00 If you tale 010.44 ced yxt errvel0lr- serif your payment M.0(5105 u PO Fax 6143 Cort Sewn 1166167-6193 Please eisoo 7.194(040Ice Monti y Ii ;ear p4411 11 es relumrl 000518 011050100 the 0410 u• msl0rmtt d as an elrca1mc dehd You can par; your minimum payment ora greater emo001 over the 001epixl0 Ted you cal set up autsnaac payments CNl es at 1.400.377 2660 You mill need Ills Statement ent end yo:a hand atblare rtoura0o1 You 10001 enY00 Old OIISC' l' funds rra'8400able a1 Not lard. =font wxl all 0Onuerrons anal a0rrpy wO. U 6 Iaw Yni w0 be a acts 1u p'u ode c4: fro!. 5 drys elm/ moue; slueilenl rp code BY entering Iona numbers as you! eledron*o ssgnr„ re you ea0 be ag:ee!rg r 0000 suite ¢ar:x1 ca clary us end poor bank to dsdud each payment you 0110 0070 from your trod axf an:. wkl la 61111110 IOW e1 creed eremcs $111001 bah 80001(1, 55 apphr300 10 C0000 00 0!10110 the pso.eonoo 0! such 0oyr011 YOn must tell us 010 am5Unt of each payment or you man seteei an amount such as the 10n^.mu0 Payment rkfe or the New Bounce mete statement. You can caaF! a cosnAll hauMlr m: 0(3100(01(1159501100141100011100.1111111(0411(1(11141 3115051(110 (00011uklr (18)00 !1 You nay telly 015 LY phone 01 1.8e0.517-2083 0 by ;10,1,0 100 et%.'•c55 wed rl dm9 3450015 pa.Ogtaph 11 tour pawner rtS lean vary in ° MUM Ne I'tr ,eF yeu nn each man!h(5 sus anent when yaw p4ymfim Kt1 tic ro:eN' ora hay much a cad: be Your Automatic p011hann amount r0y be toss 14105 minced on the cnallrey ma:ensue based in iambs 0r 0nylnerds (.ppl<d dining the hang oyc!e Credit Report' ng We Fry report rotes neural about war ec ur.1lesed!Meta:4 Late payments tressed payments or other defaults °wroteaca0mlrosy bere!leded.np.m creeds moat We n rrna:y (coxt the stalls and parent 110.0.00.0040(0/03011411000501014504000(9 ugermoc each month h you t 00o't fhas our report a 0uaarrnc a' inc0,1100.1 pl peso urea us e1 me !creamy address 6500040 PO box 55316. t ltrrngon. CE 17850.6316 Haase rxl:roe your name address home telephone member etn1A1au01 number PERIODIC FINANCE CHARGES. Perrot Finance Chan ger ate imposed a. as transfix sins torn the este the 11ansatan r S )005101 10 rote Account until the dais MU far/ ym0 etire Nor: 4100000 by mlkrg paymerds or rrot•nrg veils 'Imam hl you pre1 tar Nsrr 00550rr (n your proms bdrn st32mem by Ilk! Payment Cue Cole sho005 on that statement 4mt you ply the New enlanre by rim Payment! Due. 00le on pia oaten) beteg stuklmr l we 15-.4 no;hnp050 Pet nde Fears Charges 040 0,50 rote st1. ba:: a. ;yon rtasey 1011 noorm5ng cm the :!cram stermbere Yee ea0 Pus the trans pend Odlrrrsc vat will reaue a Ming smlcrronl 1000: nxnll that ndh0i05 Psrrode Fiance :.harsrs ow ehrne new purd0ases 111100 1; no grace period on haan;8 00111'0415 a cash adearears WO SW loi0 Ifmr1Odrrs 1110 gr055ps rd ;mitoses cash at 151res and ba 01000 roosters and 115041150101.81041410 Ity150ctons 011(15, mach grasp 00 glen/v=31 Pc cnolojo Rai0 eM monthly 03r3.oses subypa m a pmmaterial rate and p.1dtases suhe03 to 1 e.laneard rate .000(1 be 530110/11 gauta r't'e refw !o t tSt rooms as 980 10I4!001 categories 44111 erre of erre. )Wvrg pend we ;mouse boirces and Periodic Finance Cherpes br 0000 thy r.' the hying lent 'x each bal ad:AMM CTlte4OPy We u,. 30 fiwc'xng e1uamon to 001npf2 Pencebofinance Chm;peslot each 1Ahfh0h0irarag0ryAvara.deOa•Balancea,Ylmberofdayswtotsangperiode0adyPeyoteRate Penn troy ratan 31(1* 003131 1404190 .sier IVvy yon •you• Mone Sr95m:Smt for Ib0110:030r15 3 Theo we odd op the Pero & Timms) Chnrxs for each aansa0an cacaos./ 10 rid :he lett P9ordo 000,0. a 0:0,x00.S Fl ye a A09011 The Average. Doi? Eelaflme ri :011'01 a5000 tarot•1co O' the grace rased rw Fenuhc Fusser Charges earthtutyle twkln:0ewa 00rcamen cmegore We use the hycra9 Dal; Balance 1100.x004 new 1lanse0l01sl rnctho0 of 0 teulaa;3 the bovine up s Meth see 00415e Ferric Finance Charges; We e.Tdr1 the Averoogciady 13.1,enee tat Carol 111115011105081041114 try odthri1upall firened>.flet 5:es In aswing benne 1'x0 ban5edan c11t1grry met irdngtee *Why ha n101011 nt cloys m the bdlr3 cyo.` :1e cotbplde 0181 dam/ bola,'ce for emir 'ra100ccun category 71101x01:103 by. 01019601044050501001 to the 010505 dais 001y Wow! 4u.'oi3n::ln5 mode Pat day ferns dnrpx'that don and Pemette Froanoe Calm ant 9snr,Td on the pr tetr6 day 5 84371101050 1 atal10/ Own su!rraoamg any adds arid po feats that 100 (04115ied against the 010!/0.0 of the rransaeuuh caller' on that 00;• In 0510100004 i e dor1 bnlance for the &s. dins re the hang posed ore coaslder the !remits dr/ s balance 10 113,•e t edn your balm:0Im esrh brrsacta1 ule4tas rat the wan day u1 your pteweo lob J perixl IlaI:0hsietun105 pu01edl0 yew km:sail ate, 1111 dem. til Ibe toll, 7,•bandinelss:ld tx:nrc we roll Neat the bnnrmlr es am. Ina =note the first day or rho Ilskna1pM0yd in serum 510 posted to yew Accou'd FA less charged ro yen Farrow are added lo the standad pmcllole 110310x;0550 co ,0yay weir the exception kir CwarAdenna Thw153cwhn Pse Fiume Charges hisser ma added le Inn arch:ebb, cash advance aar5aa on tateg.zy 854 Be!anee Transfer Tronseclon Fe0 Fananxs Charges Much are added to the applicable balance y01stet trenserlica ralnpor. Who.) a ; 1000 h0(x'co trans ter mite exoaee INC trove Tie 11101dd baamrse of Ire bafalx herb'a'l 5140 the 13510nee 11055)0 hons$ra015 Tee Tommy Chalgas IO t'.hm 5mrra5d Mrobsse 0nn5ar105 0tlegor4 14wulh0r d the spew; arc ns been terminated ,oder !Ne Dead'. Rate 1 Oan we 100v0 M stillest Whew: of thr bnl0.s0 aha 010 oral the Baronet, TI ansa Trans - sewn Fee 405053. Cherge5' 0 ma viii03111e Oansad1311xaegon umd the 910021 rase x'311(0 have oared For TDD )Teleconenumcah0ns Devoe for the Deaf) assistance, please call 1.800.547.7449 ;Wool; may macron nn !!'rl te'Ald tel.:Owe 0515 between y011 and Dux:4'e1' repr8Yy:11aiK'd1 for o110410 055r000C pttl:505 Time Discosr cad n 11100.1 tpr Dnadvet Bank Member FDIC 30088288 O!TOOK1179 DISC VER It pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 Closing Date: Augusto, 2008 pogo 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rotes RATES RATES CHARGES CHARGES current billing period 31 days Pu c1��1qq��e�,�,,�� $1169 53 0 01068% 3 90% F 390% $3 87 $0 C�6iA this$ $0 0 06847% 24 99% F 24 99% $0 $0 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1 -800 -DISCOVER (1-800.347-2683). DISC VER New Balance $1,346.30 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due Account Number ending in 1713 $41.00 Enter Amount Enclosed Below Payment Due Date October 3, 2008 Address, email or telephone change2 Print change in space above, or go to Discover com Print your e -moil address to receive important Account information and special offers Please make check payable to Discover Card or pay online @ Discovercord com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013463000000000004100 Discover More Card Account Summary Closing Date: September 4, 2008 Account number ending in 1713 Previous Balance Payment Due Date October 3, 2008 Payments And Credits Minimum Payment Due $41 00 Purchases Credit Limit $1,500 00 Cash Advances Credit Available $153 00 Bolonce Transfers Cosh Credit limit $800 00 Finance Charges Cash Credit Available $153 00 New Balance pope I of 1 $1,249 02 3800 130 86 0 00 0 00 + 4 42 $1,346 30 Cashback Bonus` Cashback Bonus® Anniversary Month March Keep building your rewords with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3 24 + 0.29 $ 3.53 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card avoilable For TDD lassistonce for heonng unpaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account informohon, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347.2683) For fast, eosy self-service option: or to speak with o Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Restaurants Other/Miscellaneous Travel/Entertainment Medical Services Government Services SO Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date Past Date Sep 3 Sep 3 INTERNET PAYMENT - THANK YOU Aug 17 Aug 17 COCOA GRILL HUMMELSTOWN PA Sep 4 Sep 4 PAYMENT PROTECTION PPD 1.877.883-1959 Aug 17 Aug 17 HERSHEY LINKS PRO SHOP HUMMEIESTOWN PA Aug 5 Aug 5 PHH SOUTHGATE CASHIERS 0 HARRISBURG PA Aug 25 Aug 25 WINE 3. SPIRITS 2107 CAMP HILL PA $ -38 00 15 40 11 87 3400 5000 19 59 Finance Charge Summary Average Daily Balonces Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES Transaction Periodic Fee CHARGES CHARGES current billing period 31 days Puce $133590 001068% 3903; F 390°0 $442 C�Wj�a a�8 $0 0 06847 u 2d 99% F 24 99 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) os noted above $0 so Important Information if [here is mere }an one page to Ibis hallo statement see Lhe book of each. page kr additicral important mdcrmaion See your Cardmember Agreement Wag Ceekne.7law' Agreement comatns. at the twins of yourAcacml Lost or stolen cards Rep tnmedete(yt Cat 1.817-317.2.663 Billing Rights Summary In Cas. of EMITS s a Csararorls Abut YOU,' 5,1 t1 ycu t0mk 315111 b " s attrrg 114 if you need 10(•01 mf•vmascn ah;01 a;NIrliaCI10 on ,or: 11(1 nice !n cs 00 a se;`erele sheet c1 paper al Of setae; PO fie 30421 Se!t lake CO, UT 6'i 1366.0421 es soon as passible Wc must hear trete you no ales lfloo 66 daps auger we sen} you ills feta USI en wid, the emu, uh al ;loom 1pyn rod You Coo teleflhore us had tinsel so ail Aar peas q'rn your rants In vent nd!n glia us the i 044 3la(cdn;atop • Yam (011e and Account nurnks01 • The chlor anima of tie suspected error • uescniie the ono: aur oxidant a you can wary y+'u (x teve rhure r5:al arm lived need mars tnlnnnau0.1 (lost:aw l:re item you ate unsure rd:u01 You r6, nal hake to or any 11111,1,e1 r yuesaon Aisle we are n.e:stg ming but you are sit .Mho:a011 to pkv tae pre, or pees ext 1010 are 1101 711 8/40511/1 While we investigate yew OUe3Y0 0 we 001001 repel y*d as de'mgJ'ol 0+ take any Axon to.0ieit the amount fad canyon Special Rule for Credit Card Purchases 1f ycu have a problem each the quat y of gads or services that you purchased vmh a Croce cod and yon hale tried ei good fat (0 c0rr001 Ilse prehIen 301! fie m0(11(il ?at unify ret haw 10 pay 1(errndeng amount dura on the guoxt501 set .u::: You kr,e 1445 piuM.don city oke' the to ci.ay(411n;y."A5111011 tyro, 550 and ete due :ace WAS node m your 150100 smtd or mien 100 0111114 .d ycur 0,airclg ddkkass :It 540 One ^.' Operate the m1rdmant or d vee wiled you rho .3700'i1semara tot the.1(0010 or 5e0Y+ces 311p:,rchasestire covered regardless oftneaMedal ortexa netp:n ha:e) Payments Send ones ?dor pewee and lee !op p0?IAn ol this statement ia the er401cpe pro red alta not send cash By Sending year check as described above you alahnae us to use nfomlaa0.0 a1 your cheek to makes en ek'Catrm: hied Uait'afer trim to arra4.011 of Oye 016u101 0141 11011 tedk71l5'd on van (,hark m G process the pavilion: as a 10re:k ('4004001 O payment* processed as an 01otmnc hind derafet the transfer el be for thea:mons on 641 check When we use tnfonnanon from vow died, to make an (4o0mrnc fend transfer funds may be mthdhaar nom your amount as soo1 os nee sans, day ve Ie0erve you pen110nl. Arai ya1vngl nal rn(a+:01 }0111tdack bac[; lo,, our finencc0 45110laten The pracessxlg et yn,r peymem(1ray he d0ayed rt •ycu Bend ash correspa0d4:11:00 m other elms ern your mimeo: d you se.'rf the p ymear 1, any Other add1e55 u 3 res:: use an omnptepe ester than ter one manned Portraits remitted 1r proper form at our pion swig rosary by 5Pt3 local turn 011 airy day eat tie crated to'lGmrA0couni as of rh.si (Lay ('ay hams receved at nor pross:s1F,tg ttr ndy eller 5Fk1 teem time nil be melted to your Acoocnt as of the neva da} If vex have est spkrced y0+11 envelope sent you, payment to Discover PO hex 6163 Carol Stream 11.66161.6103 Please ow* 7..I0 days for daracry If ;aka implant is ronawnl:antral se reserve the r4:ht lc' *suymut it 00.10 electronic dotal YOU call pay Your 103111310 paymer1 or a (45401(000(1101111411010(14010(4001100 and you can set up aJ!omelc payments Cat us a: 1.4..1!0 247 2653 You Atli need ha Statement and your hlmk (!(001110 nfermaton You 1rr el ensure that satfar,le funds are aystahte 01 sou, tarn 3a:nMm1 and at teniSa011Rm5 a1 51 a't175y v:111 L' 6 tow You will be 110x00 10 provde the (L5! 5 digits of your account statement.tp eerie 9y enterir,51 (hose numbers as you• eloc orr. 0g4;rae you will be rrgteetrlg to Ons su'Jmrzsean to atm 115 end :oic (rank to ded:cl each 01/100/11 you authorize from vote tank adap;rrl, 00d 10 an10110 debase credit 111000 to 1001 (tint: 1oaunk 301p{3FLlbie Y:, xvect ai el(0! M kr; processog el such 30y7:1:01 You must let us the 0rwaunl of each payment o1 you can select an 700111 sorb as the 5.4n;m11m Paym0n1 Due or the New Scarce ml each statement 0011: 41:30 cenoe! a pal11e4,1 hoverer 1111 must ((salve robes al Least lheu busmnss d11,10 (0 310,11011 of Ihs %Cileduk'd OOyr0nt You may natty us by phone at 1 5147347-2663 ea b(r,1;31 at the elklres0 6sled n the pa:emus Falkpgraeell 1(00407110010(110 xray very in amount env w10 ref mu on each m01,1l.4 OIOIenrnt 3111M1 y5111 poyl0:em,.011 he 'vide cud 010(1rwch c tad be YearAummaIIc palnlenf amount maybe las haq r elcerar on the!Mt/h./ slst0m;n, terad !m aertls or payments 110,;':411 duang the Ini:0x cycle Credit Reporting We may 11p011 relarkaten about }01st a:C-J1 n tC credo. hore0u0 Late payments nes 5 W payments 100!her detau'I: 00 70018110301 may be 'elected r! y:arr Oredl Neon_ Wc normally room 010 Wats and pagouht ltistxv of y0111 Arxurnt to crud: rporarg :condo; each month It you tekovc that CU! rap;., a ria nLfle or m oo:plow please :erre us el the lawn address i1scoosr PU eicx 15310,1(01 warn. DE 1305'..5316 (!ease rude your name address hams telephone number end Account ratter PERIODIC FINANCE CHARGES. Periodic Finance Ch8i 541 ole encased or a!! fr11r15a:.x1n5 horn the dale the ear:su tan .s posted to yeul A1U13nl term rbc lobe yin pry yang entre Now Daiwa: by 111500g payments or re^ar:tug mode% 5101000, tr yo 11 p0N the Now Science 01'1ro r venous bhl!rrg stoterrerl by rhe Payment Cue Cate shoem em that statement and 193 Pet the Ne+, Pel0n0 lay rice F1'au'nt Dee Dole en your 1arrr;nl Lwtng sk,trrneta ece tc:=1 nit enp 000 P1nodc Foams Chleges on 0041 pw0nas41 tnc0 rs. (.4111110001114 s! ,),npalnrg en 0100 cun0111 start!lene We rat this the pee ported 71lehvi se yo0 wall m(0rt. a Int:ng statement fiat; nx,y11 that oeurfe.5 Parade Musa?. Chatgds nm those ne.0' purchases lhere s no grace pet 0101 an ba a1ca transfers cr cash advances Vie sen Teta tranvectens ane grates of purchases cash 0nhmres and valance transfers ani( then hater scot the transact:c an'Mho each gr1Up m' !fist? Annul Percentage Rare car 00150070 4,11C,31031 0311¢,0.10 0 (anrnoac.'ae rate and ptud:ases sub eel to a standard rate weutl be salntrate gloca. 171 MI,* tc these Orn up0 as tr0nsacton an:ego :es 41 rtthe end cf each b4oq gerod we co/nptde balances and Peoodc Finance Cherae-s fir earl+ dry of the bang p011104 for each 000,530000 cale20,4 We u 0 (ie icycvxtg 131100011 Io r• mnplfe Periodic Finance Charges la eurtl transactor Carfi59ry Average Oapr/ Enyance x 10.011101 of days in the ll?Oog penal x Deily Pouts Rete :Yr*. may rater 10 die !mons' dlarge .01004005 iia y:xe 10151(10 00;4'.11101 hat Ihe41 ale1in'11(1 Theft we nit up :he Perexa0 (1000104 Charges AY oaeh transaction category 1e, ger Ole 11)1n! Penrde.. manhe Charges to, yrs s A7.11mt (11(51(00135(11 Daly Fa!acme r;: shown as zero if 1100110400' the glace tsnod 110 Pen5tto Finance Charges apply w 11,11 twaance i1 a da m atln n mail try use to 4•rer0ge Davy Baa1a bnc(x(ng new 181150uensl melted of ea:e:,atm ;be tamers upon which 0.0 anp1se Penedo. F1narce Charge%. Yve xmpalp dleAver<x3e Daly Hammer for sack throw:ion category by hiding ere all the daily halana+s in a b01ng ne00111 for r. earrancl In 1w n,0ry and 5uahn9 tee alai by !i1u nl1nber r4 days :m ala 1,1g:n3 011.0 l c compute the daily balance for cam 1- nsocson caie4oy 0t1 each clay by 3,11 adding t1: 1011cs'ng la the ;1roolou5 clays duly balance !natio ;ons mode that day (cps charged that dos 0101 Per'.o 40 F:s•,ena1 Charges a1:yuc11 vn Ory prevat:'s days doily ba was 31511117 then 10005011n173015 credal and pnymco's tar are neared 060400: Oto balanic of tie 0a:sae:Ian calegery an that da;• (n caurin0nro the stair blanc for the fast div n' the hni,ng Peeled rte consoler Ste p1eeous days 6.153000 1c hs,,e tY1,n }'ort been 0 for each 1:10111(0000 ecitegln y 011 the Iasi day of 14100 pie•olc laI:(a3 p011r1 it a 1111,5 :0011 a tutted to 07014 Ac10l111 after the clow dl leo!slaty Pelt of :r11m➢t'h it arta,: w3 veli treat the b ansrctir es ir0- tna maimed err the first day of the batep pernd 10 which r is p0s10d to your Account Al lees c ha;gnd to you .Amh571 are added t0 the stando(d eu'cha<:: Iraesa011311 calega y vett the exception O i;le h/.dvnnrz frmracl1on Foe finance Cha1ges rotted) are ridded to lbs; ap(1ea01e cash edvan;e transact on ':aeg.:3f and Ba Ian* Trar1s0a 7rans0 (01 Foe Finanxs Charge: which 440 aided to the sealrceble baanoe transl0 naraa0n4n categ0rp When soioal balance transfer tau: 1940106 ee roci:e 1 t' unpaid ba!atx? of tie ba13n7.4 kansfe' ane the [Balance Tiarrsfer iramdlon Fee Finance Chargee to the 01110'11011 eleohsse tmnsa(0ren category NOW airer It the weoal rale ens been terminated 141101115; Delau'1 Fare Ran vie twee me w140111 Lsllanca c'f the hair civ trap ier and she Balance: %nslio l'ons- aerion Fire F:n1nce aeries 10!03 opfdratdo transadlal'category un111 true slec'at rats i011k1 have espied For TDD (Teleconlmumwtions Device for the Deal) assistance, please call 1.1100.3474449 D1.uaa1;UT mOnN1l0 0rd'a lemrd leleplu0e bats bonkecn you reef Dis(v:verroc, osenlenv10 for gted,tt' 0 :r0nav0:011fe5cs The DISCV.1•1 cant r: rtes( try lls.Dye1 Bank kle0(10) FDIC 30088288 01764/76 DISC VER New Balance $!,330.69 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due. $40.00 Payment Due Date November 3, 2008 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special oFFer: Account Number ending in 1713 Enter Amount Enclosed Below $( Please make check payable to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013306900000000004000 Discover More Card Account Summary Closing Date: October 4, 2008 Account number ending in 1713 Payment Due Dote November 3, 2008 $40 00 $1,50000 $169 00 $800 00. $16900 Minimum Payment Due Credit Limit Credit Available Cash Credit limit Cash Credit Available Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 1 $1,346 30 4100 2106 + 000 + 000 + 4 33 _ $1,33069 Cashback Bonus' Cashbock Bonus03 Anniversary Month March Keep budding your rewords with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Coshbock Bonus This Period $ 3 53 + 0.02 Cashback Bonus Balance $ 3.55 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing unpaired) see revere side 1 Visit Discover,com to pay your bill for no cost, viewour latest Account information, eam and redeem rewards and more 2 Call 1.800 -DISCOVER (347.2683) For Fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Solt lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Services 50 Fraud Liability Guarantee Use your Discover Card with confrdence Trans. Post Date Dale Oct 3 Oct 3 INTERNET PAYMENT - THANK YOU Oct 4 Oct 4 PAYMENT PROTECTION PPD 1-877-883.1959 Sep 20 Sep 20 HORNUNGS RENTAL CENTER MECHANICSBURGPA -41 00 11 73 9 33 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rate 0 01641%, corresponding ANNUAL PERCENTAGE RATE 5 99% Rate is subject lo the terms of the offer including expiration Nominal Average Daily ANNUAL ANNUAL Periodic Daily Periodic PERCENTAGE PERCENTAGE FINANCE Balances Rates RATES RATES CHARGES current billing period 30 days Pu chha�,•�ee��,, $1350 31 0 01068% 3 90% F 3 90% C�D1Li1136288 $0 0 06847% 24 99% F 24 99 The rotes that apply to your Account are either Fixed (F) or they may vary (V) as noted above Transaction FINANCE CHARGES $4 33 $0 $0 $0 Important hdormation If there omo a tar me twinge L Ilse ham statement see the back of each oras kr addttand epcnant edorratan See you CardmemberAgreement YnuCarib limber Agreement contains o the terns ofvo:n'Ac:owed Losl or stolen cards U pots mvnectukfy I Caf, 1.393347.26P3 egging Rights Summary 1n Cas of Ems, or One, eons About Your 343 If you Mak win Mars wrong or d you need moa r4atmtelen atria n trare:tar n on nuc he %taro to et on s separate sheet cd raper el Disown PD Nor 30421 Sal Loki Cd; UT E4413.6421 es soon es posahh 11'c mast hear from you 55 tel neon 60 days afx tso sere you the nu bSl kr. vast the a pokers, eptt esei You ran telephone us ter clang so ,a1 not pieserve you: rights In tan Oita gave us 4111yMo n5 relormatan r Yaw 5711? and Amount arms.. • The *tear amount ret me sespett. Marra • Crerulw the num r.nd arks) d Non can any ynu 1'elvve th,av is an ora If tail twc-d metro udn501755 tiot,orte the meth via are !cisme Atari You 1140 n9, hose to;kr; mty .avant le mestere 144nie wh am tralttguhin bul you me St otlsp ood to pay !:le costs et tum tot: Mot are not to guetom '06de we n vc0117410 your questa; we carnal tep44l you M cktmal 04 a take any ecton to O0 0C1t Cit attia!1 fou Cuesuai Special Rule for Credit Card Purchases !I you horn a ;rotienl oith Lie quality of girds or senn0 9 that you pooch»cd s:rh a erode card and you hose tied er good fat to avroa Ilk action win the mewl rad 7014 rnir; Whim to pay lie temanng amount Jun wi Ne gxhJs rr str.rxs' You +cne i44 6,01451x1 :try inapt get puidtoyr vitt' vias mow (so 5x7 and ate %norasa ors trade 41 yarar lame stale a *Met 107 nuke 114 your twang ad: rase I44 roe own a op4ralo he m0raklnt or 1401! raced oar the ad `elliSen214 f01 the gs:4s at serces at purchases ale Ctxera44 regordess of the amain,. or uraam o! purchase i Payments Send nn?: your payment. and the !op pcnnn of filo statement Ia the envelope. prt»:+d Dona send cash Sy sendng your *parkas described titrese vat a,nlu.I l!: us M usee %none?. oatd1ed. *matte an oleanmt: kung flo er Non oars mown ar the frnunc 01 m .8Nha1 trld45 4!d MI 404.0 rhsck m pl,mueess the patient us a ah.k Yansaa:+n II payments prOC.Mal as inn evotm rc bowl eorsks t,^. trar8ler 11(1e for the amount on the check When we use information from roti check to make an acetone: had transfer funds may he withdrawn lean won sov:x110 as soon as the sane day ax men., your payment aryl 7401 evil not worse yea cask hack hall yule Sneezed 140411)4(011441411141-14451 The processtnq el yvr payment nay be dotard d you send cash edneopandenas a ether hems vain ono 68)1055! d iso send the Darrlxad ID .ny otter add,ess a if sou tae an enwkee 444404 roan the ono prodded Parrots sized In prosy tarot a: ow ptoars0017 fealty ; 5Pk4Iocal ems on any day nal rlc asll074 to MY &wait as Of that day ('04.055114 scanned al eu prosossmrl fail tv eller:Rd rat vee oil be rodded to yourAandlt as e1 the nen day If you have m!sreaed yar envel041 send your payment to Discover P(4 Eos f t E3 Card Stream IL ti6'Is-F.5103 44lawn opc* 7.10 days fa danvy t year Raynnnnt is returned tae4d ve reserve Its tato 10 *whit m d at an ekctnuSC d0 :1 Vatican pay jVur 044015500 payment a a greater entunt over the ie!ephane are you con set up 4utenaao payments CO us m 1.141x1.747 -2663 You 84 need 4h0 s1alemant and your junk awlu!e mler!ratrot You imz1 ernuwa that SiI4Cn4111 hinds measaialio m vain ;hrr* acrn:mt ext all trart070ns need 045717 U S Irnv You %+s 140' anted to pluodo :hr: firs! 5 asks of yo✓ account statement Pp a0e By animus, those numbers as your eleamer; s.gnaaxe you vslk be agtoetog to Ins su onzatrm to ably us ani 0:.4 oarhk lo deduct eadi Rana; you authorize rpm i=on hank amount, and to 0440440 debit a cede mats r yea Non 0040144. as aplirn1e to aro.^.C1 an taxa n lee prciessag of such naymonr you mist tel: to the amoUn: cf each payment or you can scam an amount 411th AI the Mormon (rymsnt Due at me Net &lama On each s Ialr1n 1 You can canoe, a payrieny 11010:4 rat must Maim nalra al laa311tyce business days in a4ums's! of Inn450415435045-40014414 You may ncl.'v us by' phone et (.4r10•a51.2653 a hr nr,.l al the a,iloss toted n 75n ;re•anus ramgrosll t your payments may ow In ensue AC *44 id you on each enrol*, stalerr:ad when y0.ir payruntv:11I t.c mark and her out a a, et Your Autana!u. payn10401 omam• maybe kiss than rxfuatnd 44441.44110714404454010400018004:4401554544451444404100554 5p0l,ed doing the Mrs. cycle Credit Reporting We may report inlanwbo0 about',Out rattan to aedr bureaus Late payments nessri payment a other Jeledis on ywr acceun1 may be Weskit to year oredt 050014 We rvma4y mr11110 stems at 601450;011 !taps v 01 rote Aealtnit no af.•d11170119 agencies each moron ft you helms Ira our 1:4x41 a 0accurde a'mcanpletu p4raoo write us et the 1dbwv9 adcbess Die01.14 PO etas 15516.4111'nelon DE 19651353:6 (46ase nduere you1 name address hoak telephone :whet and Aaaurn ntnt:ber PERIODIC FINANCE CHARGES. Perron France Charges me rmpaer! a. 01!hansenonstwo: the 440!0 the h.nsartrvn,5!rated in you: Account anti me dare yvu [my yrna art -e Noss f4uiana: b,• trete g payments a =erring g erodes Patera if you paid the Rao Salver at yore acur ars Meng 4413541044044414.44(404405404 Lye Cale days en :net statement and you pry the New 4alannt try ere F8p.rnt Due. Dale as you soden! bating sialernr1 vie 11444 545 repose. Parrad.t Frame Charges on nig' purdtase- mat rs. wit theses test eat/ 111g Cr. mien currant statement We rat los the Oran. period. Otheraesovo : *41 4 0 044110 r being entreat ran meth that 00440105 panode France :.hares on Corse new puidhases There IS 1D RIM period on balanca transfers or cash advane.e!s We Sat 440,0 h8ltea dols :nuc 4rc5¢S 54 Purchases cash int./noes aid balance transfers 34,1 then later settle Carls75757i sloe each wimp De trek Annual Personto5 Kate 14or example trareeas55 5uhrx'.ta a annotate! rate and pind:Mes Ste ;4441 too 114a1Jard rale walk to se)nm3 yaux Nie mini tot these gaups as kenidden congeners :41401 ender etch bkr»q Perod we svgtde balances and Paorw 4(51410 Charge's for each day of eve Wing 14445131 for each 448ns8;lran cate5071 4541 use troy f44eang equolen to impute Pa¢d:c Ferrite Charges la e+ :i1 bans:coo; anegmy Average Derr; D4Jnnet x 7✓mt.el of days 1r1 ihr Itnag penal x Daily Pa'uic !lata (You may a_tar g; 41:5 Imanrk elbarge mammy at •Far 4F1M stal.mrnt by tots: arnntn!s) Then we ndi up the Padre,: Num/ Chaves fix reach ean4014175 014440ry to SM the rota Panrdtc !mane Dhows for 7100 Amount rhe Average Daily 4) !'anoe.4 shaman as aero d tea:ease ed ;ho arrow r•eaal no Penuche f swine Charges apody u the (idiom- sr a ea marline category :Lk .= ma Average Daly Eaance Irncprding Iter Ca1stwtbr104 mtlhoe of ca!rdktlrry the Covina up'r altrlt tea; moose Pends Finarce Charges We a4mpote the Metope Daly Verve tar tach unrsurxtn category by 11111 ) cp td1 the 4(1,17 haimceu in a tr!irt44 Mord for a uanseaeum carr ;err m a f.admg me Vat by 11x1 n:inter r1t days xt ashlars) rs) Cy17' tic eolope40 ase dairy Wart* for coati aansectan Gategay Tor (mar ale by Orel adding Ne 15755'n7 a the P n .mus dor; s dell ba once bassaacns made Nat day 4,1.0 elxrort int 4044 Mc! Ps:Iedw Finance C1al yes a an=cd ort f e romans Jays darer 411ran4a and by Nie eubra:ang ahy:vitt and paynses s that mo exited imams: the balance M Ow hansaet001 =may en the da; 441 c3'adatng the dais balance for the Her cies of tc h9;ng perwd we ;algae,' 515 4.51'11440 day s b15ce :d hese been ywr flet/ere fa each 554411151010 .aceta: 44414444451871441144044400415414(00l4)44)4:04 II a Cmuarban w pus;ed w ('.aur Amend a49r the etch.• ul inn hien; wood in nth d moa; we WAt urea; dry h allgla4m as !We- Pig ayrig =41110:140 dd (45441 ), d Olt br4oy panel .n when 11 o posted le your Amine At leis charged to your Axone; arc added 10 the startdsd 4451511455445115051111r. wMypny w5h the exception tit Cs7Ar!vmee 7tnnsaCIMI Fre Ftnnnce Chagos wink ore added h pr. - applicable. cash ad1anle [mesaamlte'.rp;ry and 3010455 Transfer Tr011aa035 Fee Fermis Charge:nett are added to the opp4cable balance transit• han5051100 category When as sp4oal balx,Ico trans ler into. exams Ac 1110,•. rig unoald baarcs of the 13a431x 8ans:`er and the Hater a Transfer T:&'. hon Fce Fenner. Chaigee to the standard aechase transaction tatenory Itaavair d Me spear raid nor boron Irrmtraled undo 413e obtain Rite Ilan we 1035se the crowd balance tithe 4104,54.t transfer addle 634555,: Trans'04 'Noes. rr,:Gn Foe Fovea? Charles in the aptiscaM4 uatnaehor4 caner/lira the specnl410 Srookl have erpn4 for TDD (Telecommunications Device for the Deaf) assistance, please call 14300.347.7444 6014108,451475 iron4Dr,ssd.:X !nand teicpluro cols bo!ween 1'044 ant 4)50 :oEyrear0sentaee!S (a nut;i!y n0b`.r01100 =poses The Discover .ant 11 yawed Is, Disarm Bank heembel PD1(: 30088288 01761(170 Important Information if Mere r5 ripe 1.x1 one page lo 1113 trgng statement see the track, or: each page for addlhalal important information See your Cardmernber Agreement. Your Canknambei Agreement contains all tee terms of our& tui nt Lost or stolen cards )Tera; mrrledefely1 Citi 1. V0.3.11- 26133 Billing Rights Summary In Case of frees or C.:emirs Abut Your Edi if you thaw. vas) ha is u34Yo of if you nerd aero Moon men afoul 3 !ianiaetun on min 4111 nano to us on 3 separate sheet of raper 81 CisrovC ('O Her 53421 Sed Lake Coy UT 84130.0421 as seen as possible 'We mus' tkar Iron: you no 'aim "tan cC days af4 we n o' you the Ps:1151 on which the enol or problem app ears l You ran lolepham us hut dosvg so wel not p135.830 your rrlhls in yxr, 1(133 yue us the (mowing ur'ua:aion • Yaw nary, ant Acarunl :41011 • A1c dolor amount of ale: suspected error • Deac Gu the .411011133 nrl5:irl 4 yon, can .re; you tyilter'e flun'e is an arra If you need non, u*nncalem rlebc'34 1hu 11350 'p14 04e unsure algal You ILn not time to 11x1,1430 amount:n Huestien Aisle am am emesugaan3 but you me p111 obteuttral lu coy !ge. laid of your ts4ISI' are 411 40 g:305llun `ilh1ht :v0 'mesh/ate you quo3014n aye ca14fa13 ep3i1 yo. X• de!mquent iu mite 8'ty 50lt0n 13 ruti:IPCt 111e amount yo U 041/1443041 Special Ruk for Credit Card Purchases If you hum a prohlenl :vrth I!re qua'Ioy of Tuts er seem:81 prat you putch3sed,.eh a ped^ card and you ha re heed m good tett I: correct ille problem 8334 the nlewloorl pun rose) rut Mare to pay 14e 464,1:333 ana30414 due 091::•IY? 01111 r)? 531.4.x. 3':x1 1cy.11 4415 p,3141.1 an only when G e purchase w rr-ey:we mum !hale 550 art 1150 pmil s1, tan e'ald: m your home stale cx swami 109 man of your ma34 address 11i erec;vl e: operate 67e ma4clun! cr lure maw 440-4 1411, :0yannce1110114 113 '1114/1.01.411311, serrces all pnachases are carred regales of the aniadre or eatim o! purchase? Payments Send NMI ?aur pitmen! and It* !op cordon of this 5laten:cmt iv:• erveic;.r p015114141 Do not send cash Ey sending your check as descnbk above you aJltvm3 us to 1184' mla-ma1a:1 on pan check to 111;)30 nn ofectrcma kind ha seter tram your enamor at the 110)33111:1015304010011141131.10)11 cheek 3111414033S& the 11x39013141,5 a el kick 113n01K4'Wl IIpayment rprocessed asaneuctroo:CLind 190sfer 5,4 4r413'I3r43I be 1041141411144-00400nlnecheck Whrinweuse,lMrmanonfrom your checktomake an_1ec!4n:1fund haaster furls may be 1yitoldaum Wan 04.11 amount 1,i scan as IME sante day um Ieiter)l your payment. and )mu.:41 nc receive prlr cheek back. ham )aur /48110/11 lIClcuhrA1 The prooessulg el t'a'ut' payment Ira be he �daved 1t' you vend 14 sh ca-rerpondsrn3 04 odler tams earn ',mut payment 41 you send the pr' ,mart to am whet address ot If inn use an orvrimm ahei loaf the one pr::4rteo Payments ieoer. sd to proper 104,1131 our p!0C0 sap ta1ioy ^p bt'M local tame on 101/ day mil lie credited 1u ztarAccount as of Mal day payncnts recewed at cur pr:r_+ssem Haiti after !FM loco+ true 179 be 34Cd78d In your 1104141 1 a5 of the 0eu'o Ja1• II ` 44 have I:refi rued 4011 envelope semi sow payment t0 wort Ater P.! Box 61413 Curd Sac amIi.8C1331'v103 Haase ppm, 7..14 Clays for do:43y O ynrr payment 1141 is retained 1,41MK1 rx rasa v0 see rr;h110Iesldt11111 rt' as an elu".:aonu: dotal You can pay your mlrumum payment Or s greater amount a..et the telephone and you can set up automatic p01111083;5 Cap as at 1.410)0.5117 2553 1'x: 10311448111101410014410111/3411 )lank uw.oanf elformanan you 4nls1 ensure that :u,N:cxme Nada ore aratiahl:e nl yarn hun4, sacra nt >11916111 eaasaclunsmart txnp:y:u1!, I) S icer Vat Ill be 01kud *Dinette the fs5! 5 digits of your 411x0.1(1 st1temenl:!p co 4e 5•f :tenni; mese numbs* as your electronic signature yep +hill be ag'ee n1, to. 91:3 aurora n2Yt3n to ;4113 us and yoo bank 10 dated each portent you authorize (r:;rn y-., bar7F aczep0l. old to m,teuo d'bt Ca 1116014 emacs to your honk 331:01:111. 35 4-n1-cote to coned an el rot ,n 0410 prc:1he.mg at Wel 40yr13111 You must tette. the amount' of each payment IN )a0 van 56!4401 an anY 44114 suvh as the t.!ni111urn Pay1nsnt 51.,45 r the Net Favar,ca at each 11atamem You can c ence1 a cayman! he1NNer 1034 most marvel nrbce at Imam three beumess day's in 3d0aune c=f the 0311Edaltd payareol You may 116x:10115 Ly phone or 1E00-547.2683 040110,14111141el &Niels tiled,41413 previous p34aIraen 1f your pa'ynlerw5l1504 vary :n amount Nr, van Id 701101 each monthly 0laien:er 1 when ya111 payment 001!4 be 111ld3 and hoe' much r Mite Yeur.Aul0ni0te penitent am011nr entry be also Than indicated on the Malay s1a1e1r1nl. basad gin 10edir cr 4..lymer4s riorMe41 d:nr:g the Meng cyac Credit Reporu ng We we report tlearlaton about your account 10 .redo bureaus Late payments missed payments cr orae defoul's on your ants,Un1 m9y be re11ss15d :n your ourn5t repeat.'Wc norm04y mpeil1340Ia110 and peva emitf*tn1Y of yon tit:count to411dM12f1mlY3g age11C1ee eac4dolt It yA, beaeec Mot 031 tenor 1 la0W111C 01' tact,'riplgta patine wine us el rue foli0N134 address Orscd pr PO ilea 153 Iv, i":dllan010n. CE 111350.531's 01635e n/cde /oar name address home !eler1111ne cumber and f,11111 m: ra11rher PERIODIC FINANCE CHARGES. Perwdc Inane* Charges are myn34411011 ail transeo.clrs iron, lin dale 3141 nansacnaon;4 poalmi re ran Acarunt ado' 5116 arta yaw 14,10 )Ade 60416 Noe: Balance by Inakt g payments rx 10111141143 vadat 17:3'eter 11 w4: `01:1 the 513013043104400:401144111101104111 Balance bl!Ixxt 51a'w)rnern by the Payment Cue Cate sl-.o n. on that stakment and t:ro pay Ow NEW Palanre by she 4111/414>1110111 Ca3:e en your cadre thlklr 3fate14trt1 rye 4113 ent impose Pe4rde F,r 1tr s 411;1,365 011 rex' pur1haSer. tna! IS, ',AU da.-,es Inst 114r•uaty r.'. the :);Rant statement Yrs ea4 0115 the grace period Ct1er ose ecu 41'441 mem.* a tnl1ng 100111340111 trout u1011d1 !!cal oo udes Periodic Finenre Charges on close rev purchases There 10 no grace per on 1aarn,e Irani:feu or cash gleams. 'roe son your uenrsehans :1131 Tars of purchases 11a5'lr411.ames old balance Y0n1iels and 44,41,111414144411004111341 trans- 143415 notha each group 311 rhea Annual Perm:mope Rare car 0111411418 41:,11`4051, 5obrr'.. !0 a pxr3n,liat9l! 411✓; and pwc1ashs sub;eel to a standard rale 19:ttd be s'D1o1ra!e gimps We folio t.1 these groups' as lreasadon cma3rms At Me end or each b•6nq perxtd we xarpsOe balances and Periodic Finance Charges Ice cap^ day of 11.; b?3414) peril for each transactor) calegoel We use the fc .c'ng e3ua!3n Ic ce vmphie Penidtc Flnascs Cha4305 la earth I1ans3okm celtiirf / Average 0wv7 L'e.Lanet F minter of deoIlse 4??34g period 4 Daily Pan ;rbc Rata No; )14x019448 31 Me !wank /targe ..,urn y 4111 y1, ,r Munn 5103437,411 try micro 14 41 0m!5 i Then 150 ad1 top the Perxrke F arum Cha Des 1M 41004104151444104101 Mon get 14te'on Penedo: f mare,: Chaft rs t401 010 Ao.: Amt The Average Cary Ealanoo re shorn as zero 11 11:1408:3315' Is, g1300 ural 410 Pe:r,xbC Frans. Charoas apply to the Pedan;re Ina ;rtlrcaetion caiegac VJe use he Average Clary Ba:artce !:nokxfmg now i3ansamionsl neared of calnyaum l 2141 baance up-in:Ouch e.1,) Irlglcse Pencaw Finance Charges '/e impute the Average Daly 1310,6:1 fp, each 11:7nsacho4, ualegay by adt11:11111 a4li 4404 41nrt) ba3111ee5 in a tufting pearl tar a naneaceln c.ategory and 1+'aa1131041 tat?.i Mt the ni1^:1W1 f11 4030 40 the 1111tre) CAS.' the eo!np:411 the d3> y balance for end, transaction category xr each day by fest adding lh; b:tor,ng lo 11e 411c,10U5 days dally balance. tior1* pons trade that day fees chory'4 that deet 101441 F'e1:o131F:na'IcoChe441ns 811.4111111111)1441 p33001011 410/5110/44340030 3011111,11he1150111r0111n1361.11441131-4o 4004 4414111111n'1lfl31 010 >sol>cd 031111341!114111313114'O 111t1441111141114311101 Categcr44 do that da; in 33)318403 sue dal> balance tot the (rsi day of the trll9.g period 031onslde, the peeress dry s b31311110 to hose taxa your balance for each traosac1111 4114410'44 en the slam, 01 ithe 41>0403:.41•11axd;etut ifs"at5335041r :14014ed to/331Accx,.lai:e, the clo!epl Pa: bairn; viol al 0511th tl;Krus 15i491itieatdmetlansagnme5 inti Otte/Veil rt' the 1r1t da',,!Y 0,0 0444..^.g pend N ish1en t1 6 pe:,4.d !d 03911 Aemam AO leas charged to y 001 Account are added Ie ase 4t ndaf41 purellac. neesa.^.hnr Cah:gm .vrth the exee10430 o! Cash An:mark'transaction Fee 4,',ance Cnalgas which are adtt1411n am apeartabf1 cess+atvanae ransa41 on category and'Bei44039 Transfer Transacl5ln Fee Fnanms Chxges Much are added to the apph;able ba1npe toasty l>0304ection 411ag0r4 When e special ba allce transfer mut 1xmos nc mom me armed laaa1041 ' Pk heloma transfer and the iialanee TIa415341 transaction Pee F,n*noe Chaigos to the r ar:da1 t 0,ellas'e transaction category 1410nrrar a the special 01111 :am been lermtnload andel tent 510130110111113 Finn 1ve 138,6 the unpmd M>Lxce 113 the hal s7:E tmnsbr and the 13a1ance T1ansfer Tions- amen Fee Finanon Changes to to aitp'1rdtii h15115145100i calegon ufu:l the spec'at rate waukf 11avo ea pled For TDD (T9lecommurotations Device for the Deaf) aserstance, please call 1.800.347.1449 Dureo9!147111311:1.11 ard4Y-Ie01d telea1INIe 410''15 b305410n you WI 1)131036140.1:Es4tit.lnvot 91 •iuu1131551raf14a1 04014`565 The Dise.vuer raid 1s *s11841 b44 01503V0I )lank Icler141* T!8 30088288 OIT:iti 170 DISC VER New Balance Minimum Payment Due 81,282.18 538.00 Payment Due Dote Apra 3, 2009 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 1713 Enter Amount Enclosed Below $1 Please make check payable to Discover Card or pay online @ Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014012821800000000003800 Discover More Card Account Summary Closing Date: March 4, 2009 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending in 1713 Payment Due Date April 3, 2009 Minimum Payment Due $38 00 Credit limit $1,500 00 Credit Available $217 00 Cash Credit limit $800 00 Cash Credit Available $217 00 page 1 of 1 $1,344 31 100 00 + 21 30 + 000 + 000 + 16 57 = $1,282 18 Cashback Bonus Cashback Bonus® Anniversary Month March Keep building your rewards with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 3 70 0.00 $ 3.70 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card avauloble For TDD (assistance for heonng impaired) see reverse side 1 Visit Discover.com to pay your bill For no cost, viewui latest Account mbrmation, earn and redeem rewardsoand more 2 Call 1 -800 -DISCOVER (347-2683) for fast, easy self-service ophons or to speak with o Customer Service Account Manager 3 Write us of Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Feb 14 Feb 14 Mar 4 Mar 4 $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Dole Date Mar 3 . Mar 3 INTERNET PAYMENT - THANK YOU IDENTITY THEFT PROTECT 800-347-3089 UT PAYMENT PROTECTION PPD 1.877-8811959 • 100 00 999 11 31 Finance Charge Summary Average Daily Balances current billing period 28 days C go 288 $035194 Doily Periodic Rates Nominal Transaction ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES 004381% 1599% F 159990 $1657 $0 0 06847% 24 99% F 24 99% 10 10 The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above Important Information if Mere is mere tan on page le ha tAhrig statement ,eo the back of each nape in additions! important mfam!aton See your Cardmernber Agreement Your Carlmorltlstt :Agri amen cm;zms aii Mu mans nt'va nAecrxint Lost or stolen cards Report etrnedesvly! CSI 1.8:1t.3.17. 2663 Biting Rights Summary In !",ase of Entas or O nn sons Ausut V on 3:!h if you aunt you hfa s waotg ea d rmsi Waal mme of mns!on about r1 aanslaxrn on ran di unto to as ml 3 sepa sre sheet of Taper at Disco.'. PO n.•a 330421 Sart Lake Coy UT 64130.0421 as soon as p:,s:bee W must hsm !nor, you no 'stet atm ill, days Au we sent jou the broi l I on nhrdh the ensr:/r p/+em appeared You ran tt`{ephnI n us hut (long so os!I nod pes one your rlghls h1 your Stet yve us the following inlontaix n • Your asrao and Account ntaniay • Tho dollar arnmtr4 Of the suspected error • Desrai!ra the alta aril eeli.isl if you can any you txta vie rhnrte s au ow t(yx:) naevi nov5 550551 to cimcrA0 the item yrsu are insure Shwa You do not have to ;1/4.r./ any 05555nt di quest= slide `kb are owestigutve2 but you ate NIS atj!i:dad 10 coy trio part, el moo (51 Ilia! ane nol al question Oso: tee owes repo! your Sus-sruir *e carob[ 1 aural you 155 delincparst or rake any :schen to :; *ct :.he amount yea sdesuon Special Rule for Credit Card Purchases If .you ham r. 7-obl^m nth me gurus of goads rr sonans that you purchased s nth a credal card and yoh: have tried rl pod fat a correct the preldern mill the mosaic-et you may nc! have la pay lie ren! enar, amount clue cn Lha?uads:5 set.rxr: Ya: ^one 1110 p late:hien only she(5 0 pardons ;me v as man• hos 55 and bac pwchasa was n rY m your home errata*Oyu n (01501115501005 nlhta9 adk:ss ill pas ;girt c operate the reed:ham or if we marled ..ad tars a ;vemseinert IN :he goads w serrCe all pi:cr ases me coveted regardless of the amours: ar 4000 11 d purchase Payments Sold only pair pa; rretir! and 1(51 lop tenon of chs stelenlrnt :n Ae anoslcpe paned Dole sand cash By seeding your cher\ as desrnbe d all5ve sos as057 551 us to us;! nloor:to.5 (i was chrids 15 nlaid an olvaritm: 1,•117 hander from primo a1:raami at 515- hnanam institutor trdvon lad !!n vein neck to to process 1555 paymaire us a dock iBn'a0 An II payment is promised as at 0001ran c tuna transfer ire transkrmu be fat the amourt oa the check 15'!r^n the use mfornmusn from poor chsdr to make an _rectrema rod transfer funds may be enth'l'a:eli hwn y¢u aczai1't as scan as the saner day we Ieeerie 2515 pajrlent. 1511 yo ns:li not r rant ynschnck had ham' your finncs15 tlstautul The pr01esseig of j7X paarenl maybe draped d prop Serif( Oast; oarreipLaiirk w Other d5111s 'oath rout payment at rap sersi the 51aprnerd 15 any oder address or use an enoltoa Meir Iran fro: one provided Ponnruns iocer/od m prow Min! At 0llr proxr5s*1g (ochry by 55(54 local Imo On amt 15is ws:l tie 1Tatlit0d!O ywlt Azalea: a5 of brat riirt Payment!; recalled at our presessmllg (rnlhly after SFA1 icuar trite wad be coef-9sd Ie 'rail kwsss el as of Ilse ne01 day If You have nhtselmed yruur enseIO7s send you' payment to Discover PO ;rix 61510 GsellStream IL!iglt.!fi103 nesse as151.10days llordowry dste:;rpar wart areturrr•J1mtse! wrresa'mIlia r:h.+t<rsu(5555 a ooanekxmamadotal You can pay 'Nur minimum payment or a gleaner amount over me lelephnnO and you can set pp au!an»lac ma moons Cod us at 1.15 247 ?003 You .at need this statement and yenta hank mount mfa0035500 Yhxt horsy 10550155 that surraeml fruits are available 151 pan 1155 ae:n:nt and al! bansact Dns nasi axenp!y wilt; S lav You x11 be asked 10 p:ode the fest 5 digits of your mount stateneal Zip code 91 entering those numbers as your ele1(501C separate you 011 be a5'eems) M 9555 autionzmson to :slaw us and y051 hank to deduct each payment you atithenze front 551;(1 bank 15.15501. and le mlgY1 debe 05 c;edII enae1 to pate lrsnk account. as 4..0 G:et to strrec1 an er rot in 0(511551(00055019151501115014001,0' You mount terE as the amount of each payment or you can seteat an amount suet as the 1lrrtmUm fry Mee( Dare or the Ne*' Bannon Ni each 1(010meat You can c snord a payment however at 01101 10501501151500 a! 4051111'1m bustles dales ra adr.moe :d the 51114ukel carms-nl Yee mil. hohty 555 ky phone or 1660.507-2683 c1 by read al the a kl.cs5 tried un 11501 prenous 9355501015 11TM payments 551ay 5?fy :n 0010001 *0 51:15 tdl yew on aeon monthly stalemate when tan payment ear I be muse and haw much avat be YourAsecnianc payrtwnt 0m011n1 may bo tics than indicated on the moiety statecraft Lased on 5rlkh or roynherds epy50sl dung the berg /.yore Credit Reporting We may repot nttern>aucn about :cur apemen to credo. hpre2US Late payments 1155001 pa/norm 0t other defect's 01 your acavnt may e.0 reflected h5 poor rredt 11(5511 1155 Nanny moon the slabs ane pay*5rn.lietve of you (9:11unr 10 Midi! 11narlag age0cs„ cacti Moran li you tette Ih r1 ou rep: n a 1rar:041n orMay, Vete please lame us el the lulSseinp address Coseaver 10 box 15310. W:i!1mgren. DE 10850.5316 Piea:se ndu0e your nine address home telephoone number and hc,;d.ml number PERIODIC FINANCE CHARGES. Peniotc (Mande Charges are 51 1500r'run MI Innseo15rs fun lie dale fie narsac'uor. :501101511150151115511:1114001551115501: day ycna enlee Nene T1aoa'lce (10Irsak:lig paym0185 o Tecer::rN credits Nomhroar rf ya:1 prat alts How 3tdance 001510517100515.155 hd!rc s!otan'arr, by 11/4, Pnyrent Cue Cale shtern on that statement rum: raw pay due Nn* Polarise IN the Facer• nl Due Date on your c51l15:01515(51(5 slutrnrtl we .4'01 no! encase Prnod.c Finance Charges oil new purchases mat rs. pmrlases rest 075005051g in the currant 01155515505 VY: oat tris the ;rare period Dtenvrso nu led re. ceras a tutor, statement 0001 marsh that neu!ies Perodre Fnnanre : hantw 011 tote new purchases There is no Mace period on (13'.11055 iranedets for cash 38101 515 14'55 so.: y1te irmeaenrs mom 95011(5 of purchases cash ad,an1C5 and balance eansfes aid Men further 0 01 the eans7tlaons svrhn each group co then Annual Porcrsntage Rare lar eJ 155055 ie 5:5tha000 subJa101.!0 a p0115010151 tali a10 trod-lases 5115 001 to a standard rale WOOL:, CR 50555010 gi auto,P o 'Fuer le these Troup55 051ie:t5110t on categories At fide arid Of each b$v1g period we ;envie balances and (01141 Finance Charges to each day of the Meg WOO fx sash trarsa:J:z ll ctiepora We trio rite! tomer irquatun lc compute Presets. Finance Charges for ea11; baosacten catsgsvy Average Daly Balance n rolm(er of days 50 the I15rag gonad 1 Cady Newts; Rate f'4y+1.x115 ru'ar !c die 1555n101(1arge plsnmiry 501 rtir hlhnn sla!empat Iex !!lase a10(010t0',Then w0 add 110 the ?crock rinandi Cha:r„es tY each Iransa'.11rri cal0915y lo get the. rota' 511511401155501101 h»lrgos 105 y015 Aa:corn f he Average Cady Solana ./: 511nrm 150 der, tenevs0 a' the grace resod no Peonrd,c Finance Charges apphr ;o tare (5110100515 u ,;real:tem caregon• :450: use Me Avera;/ Dad, &Nance encatfmg new uarlsse1nsl trashed of oak v'aung die brtan:a uponstitch 1155 dose Pens7e Fnonce Charges 'Ire amputa. the Average Daly 4ea' Mr each t!'%Inserxrn r legray hlj •ndd1:11.11:p all dile daily ba mlah0 in 5:/1151(51 1iermd fora transaclm) cat. gory and 0. almg 1ne 11iai try oho 0nrtb1s o: days ;n ave! (1111113 cr., 155 a compute tic (tarry tx,.5x:e for esti 4ansxuna ca0goy an each day by first adding th, (51111 ung to aha previous days daily Wanner salsa:vans mode that day fees cheep Oral dsy and Pa.od:o Fm:anco Cringes axr,.ed on the pev mus de, s daily tahuui 81411 than subtracong any cordis arta payrr151'5that me ripped miaina1 the ba•ance of the. !fansa:han 0415.3001 on Mal da;• in cacut,un9 she dart., balance for the Nal (Inv of the IYdmg period no euasrder the peropus day 0 balance to have been your balance for each ba5saconn antegwi otllhr. Ia51day of yaw praaxeo 111119 pem.e1 Ii a :iolea1hw1r1 pulled f1, `Fvpr A saI l after the Ploy el the lidig ped 5x10!Mkt, d ricrac', 143010 ilea: Ile h 14100715/0 es,m55 :rep 001101red 0x1 the first day of Boa baLng pernd rn ninon ! m posted la your Account All lees charged to your Amount are added to the standard purchase unreal13, cale,gory with the 5xceph3n n! Cash Advnnx'Transaction Re (-r. a:rtce Chaigss vrt!U1 Ora added 11 Ins ap0Lcable case, adaan;e na0sa1mm categ0y and Baience %miss Transactor: Fee FinarceS Charges'y/'nch nes added to the applicable ba anr.'e transfer 111151001:icn ca:^. r0r: When a apecra! (al:55.50 came Rile exp:ru rte m;:ve are untci;J bas,or, el!rte bp:ae.x. rcansfer and !hs itvlance Transfer irmootheh Ice arteria Charges to the standar) purchase Itnnsacton Catenary 110h1.rwr d the 5yr1013 rate ensbeen u:rnsr:nted; 1060181e Trefater Runts !;arm tvu oave the wed bat'llre rdshe blare hnnskland the 90015cr.Transfer' T1ans- acre:n Fee F1 ,rsv! Cheeyes rn the eppll/att5 111511 ect5m1 ceieger; uMd the specie. rata ;co:.1k1 I;avy eep:ted • Fof TDD (Telecommunications Device for the Deaf) assistance. please call 1800-347-7449 Orstrxer may mondor wefts' teca5J teloolnne cols blower' /0:5(15-15 D15w1Va1 rap15entanves 0i' Sttihty 15003 anee purposes The Tosca ver owl i0 Ssrea ler Drsmeet i!onk Menmbel FDIC 30088288 01173(5 170 DISC VER' New Balance 51,320.48 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $40.00 Payment Due Dote December 3, 2008 Address, e-mail or telephone chonge2 Prsnt change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 1713 Enter Amount Enclosed Below 1 Please make check payable to Discover Card or pay online 0 Discovercord com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013204800000000004000 Discover More Card Account Summary Closing Date: November 4, 2008 Account number ending in 1713 Payment Due Date December 3, 2008 Minimum Payment Due $40 00 Credit Limit $1,500 00 Credit Available $179 00 Cash Credit Limit $800 00 Cash Credit Avadoble $179 00 Previous Balance Payments And Credits Purchases Cosh Advances Balonce Transfers Finance Charges New Balance page I of 1 $1,330 69 40 00 + 11 64 + 000 + 000 + 18 15 = 51,320 48 Cashback Bonus Cashback Bonus® Anniversary Month March Keep building your rewards with every purchase Start redeeming once you reach 520 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period $ 355 . 00 Cashback Bonus Balance $ 3.55 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information. earn and redeem rewards and more 2 Coll 1 -800 -DISCOVER 1347-2683) For fest, easy self-service option: or to speak with o Customer Service Account Manager 3 Wnte us at Discover Card, PO Box 30943. Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous SO Fraud Liability Guarantee Use your Discover Card with confidence Trans. Pest Date , Date Nov 3 Nov 3 INTERNET PAYMENT - THANK YOU -40 00 Nov 4 Nov 4 PAYMENT PROTECTION PPD 1-877-883-1959 11 64 Information For You Balance Transfer offers) For current bITling period: Daily Periodic Rate 001641%, corresponding ANNUAL PERCENTAGE RATE 5 9Q% Finance Charge Summary Average Daily Balances current billing period 31 days PC167661288 $133688 Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PEERTCEENTAGE 0 04381% 15 99% F 15 99% $0 0 06847% 24 99% F 24 99% The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above Periodic FINANCE CHARGES 518 15 $0 Transaction FINANCE CHARGES 50 50 Important Information if Moe 15 more Man one page lo !Ns haling staWirent seeV ba,..k. each paw ler adder:ea! important elver:aeon See your Cardmember Agreement Yon Card:minter Areineri contains r.(the limns of yoarAcl:nri Lost or stolen cards Pirpat wrnedetbly, Oil 1 ,8DU.;14 7. 2603 Sdling Rights Summary In Case of ECIY5w Oierusans About Your Zai Malt 00o t$ moocre .y510 00(01 mote elnimasco about a net liaclein en tom ter onto to us in 3 sepesate sheet PI paper et Chemist PC. Bo, 39421 Salt Lake City LIT E4 1 3'3.0421 es soon as possiele We must hcar hem you 000001 Man SD days after we sent you the first LSI on wil(111 the 01(10(3 problem apiesurd YOu ran 131,31*131,0 (1111Oer, so mil r,ot plasetve veLir aphis in your kslici 1(101(103 Me folioueng ipfornishon mins. and ACCAY.Mi 111111,110• • Tho &11ar amount e 110. sespn. ied Mot • r.,e5ori4e the ettw and exikui it Toe can 81e; you tuAeve done is al 0.01 you 'iced 33313 intnimatern deschbe le ken you ate Immo about You do oat hatt to (Of Any orote.mt 1(1111(1011. ((('001(11110111V331u.13,53 b1,1 )033 ,31,1 olitgatoil la pay ine oaths el. our 1111 tha1 are ra 0‘ queslul 1i,iiiI.i wo iIVCsigei3 your cueshion *1101110031 iesics I you as 11eMCV.1.0l 01 mkt any 11000010 0ecl the amount /tJ question Special Ru ie for Credit Card Purchases IR) hare a prate npaith the qua1re3 of poutsco services Mat you purchased oth 3 oral card and you hove Med m good tali to virrect 11'v pf0blein 314111hE 10110110111 ?VI, may ,KA hew IJ pay Ole it nsen. anOtint dun 0Io (111311081 3tro,..,v; 1100 00oe Uop,..)3160/1 only wloei Ikep‘weicisu, ;press-us may 13,,,w S50 itio puirPase vas rrode m your norm stets :I seiti1111 101100100 nlynur coaln] aacisiss tII NC 03310 a0erale the rea;than! oi 11,03 wiled (1001(00 33.ter1130111ell for 1(401(71110(0 services all purchases are covered !regardless of means-Juni or ursatm of porcnase Payments Send 1011101(11 PaYmeill and the IOP Penton of hs sia lenient io the envelope prided Do riot send rash By sendung your chock as desenbell above you autnoops us 10 plorinnoa 03 y01,141E0413 !DAC en eict:3331: kind twister framyour ahnstris di Mc haisonlinstikJezn indiceled c,00nor check or to process Me uasersare us a check IraneroVin II IS processed 45 ao oisctroac kind nester !he trareleposi be for the amount on 1000000(1 When An use Tr:formation from your check lo woke an electronic 10111transfer fords May La eltht 080 frOM Wen 3003010 dS S031 the same day vm tecerv4 your payment. and you ,v4l nol rera,,,C 30.1110000(1 back t.,.1n1 1a01188l midul*a The processing 31 your (10/11101111111 be de1ayed ft you send cash rarespordeuc* Whet items with ?um payment /03 send the 30r11,3fi1 10 any other add ass vr .ro (100011 ems:doo0 orhe; than tr. one procned Parnentsoecerred prow 1Orin ow mom 0113 fakery by 5PL4 local 3C113 03 any day 1311011 credited to yckir Account 008! d/. Foments 10110001100111 prmeasnr, iao00y efter SPM 01111114810 will be credited to your Account as al 1ise held dah you hese nosplated ornielode wet ycAur pa-irr,enl 1101.10001 P(?EiCX e.111) C.col Slant IL 60 I t1.5•1011 f'101617, efiC,o, T.10 days ha dose, y It yon r (01111,011(111(10(1111001103001 rescirve ere richi ru, resubmit I ai; an electronic debit 310.100(1 pay your mminium payment or a stealer amount over Me lelephone end you coo set uo automatic payments Cal1 (1101 1•11S0.?47 2501; You 4s11 nee d Mrs statement one vaut 113,3100(0(1118101103000 1011180001101010 11,3Z3:11ficep.; fwd., „,ahibie 1111111111 eud e.cs1 S Yen o0( 03 aukso to raoyde iirS1 5 digits of your account statemen1 zip ccde B7 entering hose 111.11-4101000 ,101 electronic,. suroone you will be ag echo 10 auttionzcesm ailow us arid you! honk to didccl each carve t yea aottron Pam .,011‘ Gat* acooem. unit to antcua dant or credll en:nes to ytler 10;nk accourt as arptc31, to correct an tSrer 1111(13 reoncs,09 of (00 00yrnew You must tell in Ile 0103un1cf each payment YOU can seiecl an amisnt Stril 00 (1 klimmurn Pay ;neat DOEWitte Ner: Maned 31 eacb .1Iste11e8t. 3130(00(1 1100013(13,111011 however we 81111011001h11 rocr.. al Loa 01 three bosmess days advahce :I 5111r00iAl1 33 yriell YCLi0.31,1y 1..t. by pkine 01 1.Err0.54 7-2683 or by rua:1 at Ina andrese hstodill the ;:re,enes compels urn/wits may vary m ernCent CV& 10E 330 011 0K3 ratwitly stateroom when rut parent wit be 1100001 ha.v much vnEte Your Automatic ciaprient amouni maybe kiss than euticated de the monery ,talenTre: bawd an 11(110(11(0 payments neplxii 4,11109 the 111114.3 cide Credit Reporting We may report information about -iour acre:cult to credit bureaus 03101031110015 missed payments or Met detaiits on your acczeira may be ref101.14.2 o-ed1 roper! A% ,ermaly stains and paymoinhistcsv of yois Act111111 'oveltrepanng ogenclos each mune, If you bel:eve 1111103' repqr 6 tracourale or incrAvIete please wnie us el Me fohowing address fUscover PO Eser 15513. 3011030E1011. 0(1190110.5316 (110300110110110 '30811111180 address home telephone number and Accatei number PERIODIC FINANCE CHARGES. Periodic Finance Chaloc-5 Cce 93p03t..1 ac all Von sec:Km% non'. the r(Ole 'ransactrxi lesied Iv '-our ACWUM111',111 111E dtt* yet, pay yolcr New fiakirce by inoierg payments a; 100)1(1111(9(0311011 However if re paid tho No* Fialanct aa yiyow o4r (1003.15(1,1,800103(1110110 stnwri; ihePyyrnent Cue 031e en that statement arid yea pey the New Pedantic by ME POyirIVIlt Due Cale on your when,. bilog Sleterite111 0111(1(11110111010(911111(1131 Fi11,c1C6 Chine:. 03 new pie dieser tn01 ut rbases fest anuoanyg al the riitierd Slatirlle3l O00caLth,s1lrelroi,rO pound PlIerase you receue bitng slate-Pent fee wont!) 01010'4r'13100 Pahodt Rennr..o. aames Or 111(11808181 curcha511S There 6 no glace poind en balance 1r01110111110001111011031110100 We Soo your nansecws o1900l pochases cosh AVA11%.5, and 'aelz,nce weni)ers end then ('10111111001(11100 transathons cad, (00(1111 !non Annual Pen:Rh:age Salo For C3(31311k:, 10.I10405,15 333i.10.1(3 ilialOnCrial 1:31C 31.11110005,3111113 to a standard rale ‘10,1;c1 be separate 9 cups We 1Elei 1C these pioups as transact on categories Al the end or 080111(3011(9 pored we ,ernpate balanws and ('01001131(1(00(1181 Chews 11311110(111 dey the t/0nq (111111(101 each trarsa:Aan categoi4 01101,01300 fells.vrig equahon to cempule Pemett.F.161Me Ctaities 010111'1110111/001131 cattirry Average C.1kiciy 911(11001111 loiter at. days (14(3111(10 defied 1)011y Poualic Rate N31.1 133/ lieffc 11 11.1 FrAant:e 11015e Si ttrniry 30 730, 48Oooj sintament Mcs,'Intertints j Thc!, ;IX add ,7r00 Periodic Maurine Chvges each transacorn category in net Mei0O11Perlrett0 (mann.: Cloorgrs (0'(810 Ag:7,ell the Average Dag? Ealanoe shown as zero 000111(110' the gaue mead no Penuche Finance Charges nisph to the bulenne u vartiebon caksvry use ktorne Daily (138)00(1,0,1.110100(18010 now ihansactionsi 01110031! calclIaling Ow Fiance ercssise pendiaFinance 0ha3Ere. e 0011'01101 Me Avciage Daly ewe No 0100011111,1011¼15 caterry 00 ndr11:11 119 d014 tra!ancos In a tA•ne, nevm!for a :talsacton ,:.ategor.. and +Ring tne (Mai b.; ha 9111111,8,1 n' days in ex.? bet:190,71, :he compLO, itv dairy iw+lance 17 am eansact+an vi each day by rest 81111101(11118 fedowmg (01110 pfeouus de', day balance tiziosnler* made 0/ol day fees chomr 1001d0/ 31,0 Palo-1%; Folan,:e Chalge5 earied •an enmom dai 5 deply bigance and f,y then sub:raving any ;7.1ed,6 papnen,s 11131:.ve apMed g9am51 the be!Anee of the 111151x:ten 03190.90 that de.; In ak.u604 001431, toilovr. tor Me DM day etc bang peicsd (0003,111001400 perces days boionce to ria,e, been your balance fat etch Sun sactLn olegoi tin the l0101 day of (1110191100110 tri oil pi;1 .s putted tc. y3Ut (0:1113(0 alro, 11.e just. 01 ine mile.; mein ui wiled d uce9,, 00100IiIr,101,1ie tiyatqictien hay. Ma Mowed a', the iht day of Ole eg penally) white past33 to 03,3 Acco<irc Fel leer, ther'ged oe 31111(000001111 are acideil lo Me standard purchase Irersanten colecori with 1he CACC31133 1! 0W, Mv0100 -1 arumtv, v.fir ox t1CS %sloth ree adckst to the applicable cash, advance 00111a01130 cat/upon, 011119010000 Transfer Transecion rex. Fr snots Charge: which, we cdded 0 the applicable ba;anoe tangy kansaVion [Nog oe; When 11001101111b8101100irans!er cite txplc.s 0,041011181 IT* urteald balancr ol il*1b00-3s011 5.an01er am; the Balance Ti anger Ti011S3C1103 Fee Finance Charges to the sex-Pant mechsse tinnsaction utegory Hamm: it the sprzal rate tins been terminated lindei 010- Defeo Rate 1.100 vd0 lease tic unpaid belongs tbe halals:11 hamster mid the Balmer. Transfer Trans- antien ref Fess iSsi Chugges intim npricatee 11303141103111111101901(J until the wecest rate:Sank, have es mred For TDO ITelecommunications Device (00100 Deaf) assistance, please call 1.900447-7449 ()MY:91011y 3343-ieami teleelome r.als between ynti reel restever repesentanees for etwatv asvarance ateposcs Thw fli5C0".1. 0104!I01001l8dl10. 13l0ever Bank Me,111)ei FDIC 30088288 01T SO 70 DISC VER New Balance Minimum Payment Due 11,309.45 139.00 Account Number ending in 1713 Enter Amount Enclosed Below Payment Due Dale January 3, 2009 Please make check payable to Discover Card or pay online fIV Discovercard com WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013094500000000003900 Discover More Card Account Summary Closing Date: December 4, 2008 Account number ending in 1713 Payment Due Dale January 3, 2009 Minimum Payment Due 139 00 Credit Limit $1,500 00 Credit Available $190 00 Cash Credit Limit $800 00 Cash Credit Available $190 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers fitance Charges New Balance page I of 1 $1,320 48 4000 + 11 55 + 000 + 000 + 17 42 _ $1,309 45 Cashback Bonus Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3 55 + 0.00 $ 3.55 Cashback Bonus® Anniversary Month March Keep building your rewords with every purchase Start redeeming once you reach 120 Cashback Bonus(R) How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing impaired) see reverse side 2 3 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more Coll 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with o Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Post Date Dec 3 INTERNET PAYMENT - THANK YOU Trans. Date Dec 3 Dec 4 Dec 4 -40 00 PAYMENT PROTECTION PPD 1.877.883-1959 11 55 Finance Charge Summary Average Balances current billing period 30 days Cc ci5at $x288 $0326 22 Daily Periodic Rates Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES 004381ro 1599% F 1599% $1742 10 0 06847% 24 99% F 24 99% 10 $0 The rotes that apply to your Account are either fixed (F) or they may vary (V) as noted above Important Information if awe l5 rive tan one page lo Itis Win; statement see tka Lack: o' each page kr addl.icaa! important Information See your Cardmenitmr Agreement Ynu! Canino (loo Agreement caviar* n9 the leans of ;•0Jl Account Lost or stolen Canis repot: orneka:ely1 Ca9. 1.800.347.293 Billing Rights Summary In ase of Ennis or Deer -wins About Yaa Bei If you think vola viz sailing ar C tm:r need mare Mkerma1cn about a tlawicnn . on pa 4,9 %wee 10 us lel a separate sheet of paper a1 Discover PO h'>a• 333421 Sall Lake Cm; 01'64 120.042! es soon os possible We must hes horn you no Mteh than 6 da,s x181-'a'e sear 5111110 Ms; tut ort him dr the emir a pr1:.4em an:ranod You ran febphore us but clang so will net piesse9 your rights in van tetria :f'ae us the friokr,g Inlcania on • Yaar nage air' Acunnl mintier • The dollar amount Of he suspected error • Dev_.1C* the nem and. ooplaan I!;Ori can why yeti believe bore I5 all urns It you need riser. 4131 3111b3n describe the Ille:iip ° ar e(Maine atoie You to not have to; ay any amount in quesuor. *tete •1111 see in:wag—d r 1 bad you ate 5)1 t obligated to ray :ole µ.1!C 1'r your te6 that :ere nu; 01481158511 :.fids we mves Igen: you qol;900( .tie camat 1 03;1 you 115 delrrlgoan101 rifle any action to colect he amount 0J y'ee5110(1 Special Rule for Credit Card PI,ctases tf you hove a br0hlenl Bath lir, qua01:, 11 ;7;1,1!6 r. 5010881 Sul yw pu*dwud laths clods card alt11 yo:: have tried m good faith tr alma the problem 8`111 aft' fiielo13ont you eri!y eel hew to psi die Ientdin:no amount. die un tin 080ds 1.P !ti'.xkt3 Yu1 113.21115 ;;111801 city 0311!11 r,,e pw L1'1so 71.121 rias (1011'1 No, 050 and the piaehate was mode ,r your oma talc a: 3100911 10511)111~ r9 018! n a8M3 address ill we 0001 ci operate the m313210nt or if lee ridded you Menti 90l11Eemaid Int the 3':5!10 to se!Yces 91! p:acrlases are cove(V,', regardess oldie an1JJit: Or ldcalw p0r3ha88 1 Payments Send oak: your payment and the !op mien of chs statement in ft e'Ue17e provided Dore send cash Ey sending your check as d seabed above wu 0,11188119 us 18 use 4110mtafia110n 51,11 stet'. to folate an 0iecrione: 41nd holster k:tir `6.wr a..,.. peg o! a . finaiknl instants -4i !Mak! ort 001.0 I1'1 i; t71131778181531)8(9175(9911118 dieck kon5*c69 n Il ;anneal Is p 0000500 as an 89119305/3 kind tian51101 fi•) transkr mil be for the amount on tine check When wE U50 information from yarn elle r 10 make an electronic find 5(09 funds may be mth:ba,vn hole pat ax:nal; wagon as are flame da;: 81(9eroe your payr4911 anti you esti r0{ rerenn your check had 7:00 poi 9neneloi malcu885 The processing el your ;nem evil n3J t* eki!ar/e d d 111: Send cash CSreep0ndeire 01 other 11811:01115 1i5u1 omen; 11 jou send fie 00y14N1` I0 any ether add' dos or 0 4Cii use an 0119h0ra Qfilei man the one 315'1ned P3'yi1a,15.5 ronarit11 m proper 70111 al oar 3)0903819 139119/ :11) 573110001101181111081109179.111110101111)19-111110 local acne, on any 593(9191333unt as of 11141 dor 711110111119 received at nor pro3essilg :x(1)1'3 after 55Ffi1 loan nine will be eredied to OW Accnu:ll as of he neve da; If rix bate misplaced 515 81 crsekale send you, pn y:mid to D1x0usr FO Sox 6li're Oval Siloam It.61;1337.111103 11I3sle sky, 7..10 nays 181 d101501y a y'(nir payment i, 1012/102 mined to lesnrve the (0111 iL rc suh ind 9116 an demons: debit You can pay your minimum payment or a greater amount 0250 Me !elep:lone and your can set up automatic payments Car, us at 1.911247:2083 You alt need the sin:ellen! and Vere hank aLCpurd nionial0n You imsl news 91st :ii:11,e:e ar Nods me seadah10 1118)211 011mi, scorcr(7 end all Ira111i 19(05 and atnp!y u':h f1. S low You wit be asked U 015.0011 are 11451 J digits of your account state-nen' 99 Gate E'1 tittering hose 1110,01€15 a5 you' 6Ie39oar; 5858110ae you 119 be agreeing re 915 aU •f ..rz10))n to allow us and :010 hang lo deduct each p0Y01001 }:nil x11.1108110 (1:1111 /0tn 981ti 39axim. and 110 nib110 d0b9 el credit ent905 m 511191 (rink account, as 0ppiic331 to 110n001 an 91 rot .41 Cie processing 0119171 dancer You must tel; is the anuria` (teach payment or you can select an a1nmm! suds as the Minimum Payment D:11' or the New 6,orice 30 each statement. You can s ancoi a Pa11en1 however 11L' must impene mace nt toast liege business days 11 3091111Ca of the soneci)143 naymerti You cloy n1tdy us by pixoe 61 1.600-507-2683 01 by rrr:1 id 1110 o, drr,5510150 In tiff 1o0:n,uS 99(egrapl5 t11'r301 payments ImayY19 in amount 04 2011..d vOtlnnel*11 ron!81dy Slet•an!r111011Did payment 901 be 91333 end hcay(nuc; S 159 be Your.AliOn%1IC penitent amount maybe loss Man tillrated on the month y slatemen', based an credits or ntymerds l:yf,:i.i1 died 9 the bear, cycle Credit Reporting Yya may report in[giwliul a00di your sonatas to eredrt bureaus Late p ;prams missed payments et other delaulls On your ac3lu01 may he lelected in y3er Credit ver 11. `' At nonna4y renal Mc stains and payment hisloN of yore A 11100(; 3 act! r_natrej agencies each, m01110 Oyes! believe that ran ,00911 rs malxwrote or incriniplete please wide us el It* 101N58Ilg address DSoo»er PO boa 15310, :)111151010^n. DE 10950.5117 Neale Prel1'e y]J1 name Oddie1s hoe: telephone herons- and Accal:n: 511111ler PERIODIC FINANCE CHARGES. Perysto Finance Chingos s se enjelS11 Ori rill transactions ham the, dale die transactor, is hosted re roil Aeoeuei noel the d,a131,11 pay ys1131 0011' Now (1alance be making payments nr tc11'1.1rig credits However li you raid 1109 New Balance Oilyd.ur Nexus bffirg slaz!m0r0 h9 1!x1 Payment Cue ink pari On that stakmrtl rind 190 pay the New 3alailrv. by ate Farveyll Due Dale on your tuna! bang 01011815•11 we 011 ^a t 1md3Sc P0(O;d.c Foincs Cralges On new purchaser. ;w: is. as rf'ase1 lost app`:11109 011 the cumin 51amment We rat 4115 the (rare period C1Lena:so you will receive a laitin9 0111Cm20111Y, 1)9)911111'Ihnt includes Pelm11ic Finance 01(a:,9ee CT those 9(91. pun:la505 Thee IC no ;1(.80 5en5d tin ho'Clib1:0 iransters 18 Cash arivanr e s *01002841 15310810191'$ :011119907011111 8109410e, pie teenel•ances and nalance transfers 0551 Ownhatherort y1transactions srtholeaehwarp 11 !hen Annual ?en:rzn:0gCRate "or F9911131 purchases SubjeC•. 10 8 ry100331'110' rate and pmd10000 autsee1 to a siarcl3 d rale mold be separate ynups *5 icier to these groups as lensaelon c.7i:s93r+es At !rn8 earl el each taking period to :comae balances and Penld'c Finance Cheraes for nate cloy of sly Vino 7411111 `a» each transaction cmegow We use' me 1101X11'119 equation t0 coltp3310 Panache Imam* Cbtages fa 1'1111; n'an5iie1:d;1 cater. ry Avela:JO Only Balance t iY.lnt1er O1 days in 1111011051g ,781100 a Daily Pevp1kc Rale Non may rats !c 9 0 !alarm dhnrge Sirenlly 1519rtir hlhnn Statement ler (1 G: 4110riln!5 1 Then we add up :M Pennduc rnAO00 Cha ries jrY 90019 transaction carper? In gel the iota! 01109: d1 Finance Charges F./ 915:1 Ac': xnl the Armee; Daly 6elanoe.0 sheen as Zero if tarn inti el the grace period 00 Penedo Frnence Charges :Tett 10 tie Wilmot, in a uaniartam co:soon. reuse he leterage Pavy Balance fin1PJding new H0Kactions11reth0d et0aledlatl g :1e bnonce upon ;Ouch rap impose Perdu: Finance Charv,es. /, 2 xmp ete McAversge Daly let:emit in, each hansache5 eategnry try adding up nt! the daily he 1n0_ fn a h'tng oerind lar a liansa;t x1 c.alogory rind ;1x114t9 41,e 191111 by !ha n:rn9rr O1 days at the billing op), ;S e (ortrlwte the dairy balance a fa cacti s0 iss :43n categc19 on each dao by first adding els fam1rn910 Me previous days daily blanc; haeme-' ;ons (node that day fates charged pal ds/ m1_ Period;: Finance Cria(gns rimmed on fns pre03us days dada batanco grid Fy thein 5ubvin:hag any coils mud ilapnart1 that ore applied agates! the hatance of the: uansac!8111 coiner; on that day In 0:fuddling the dal, balance b1. me Ens div of the 139:75 90(8111 •v1' c0nsr003 the previous days balance to h4:'e been your balance 1Or each tenonccon en,ern, en d e twist day of yeti pieaei0( 30142j pielipd IIri 11115101101 s ;'wale; w '/00119.111)111181(8)19011:1111 di (90 18119 pelind 01 neat d scar:: wa rn9 9841 il:.e I1nnsncixm e5 haw sag mimed en the first day el 110 bx'kng perod in which d is posted to your Account Al leas 32)0190(1(2310)11.Axoenl are added k the: standard purchase transaction caiegm4 will )330 exception ul Caah Advance Tran50c1on Pee Finance Cies gcs 1)611 are adds- 1d 113. each( ante 10 50 Owe:* 1050885811101910903113111109810.1184 ceteimy and Ewanee 313951er Transaction Fee Finances Charges villa: are added to the applicable balance transfer rims-nen caregay When (1scsnal91'ance transfer rate expires rte move !tie 'viand valance e!7In 9:010lce tan8la' and Ice Emlante Tian6111 1134,10901 Ice Fm;ina' Chargois Ip the guaMard .1re1155e transaction can goiy HDaiewer d the speoai rate nu been teftmraied nit`''er !M; Default -into Plan Svc rate tic unpaid b11351y c1 the IOLair4 manta' and !ole 50I00ee Ramie, Tians- w.atil Fee Fina en Cluege5 ir.lha 93111/irabl a !Ian ace:'i calegury unll the S15ce4 rate would have 307:1313 For TDD {Telecommunications Device for the Deaf) assistance, please call 1.600.347-7449 01107.er tinny atonic). 4114851eCId lotepliane calls b(5v00n you rind tir:Wefirciniesemanwe 4N 8u;:i!y assu1an100 nu -looses Tlw D1sws;r 811111a Issued by 015m1.el flank Me:,'.b i FDNC 30088288 01898170 DISC VER New Balance Minimum Payment Due S1,363.87 S41.00 Payment Due Dote February 3, 2009 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer. Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online © Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013638700000000004100 Discover More Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cosh Credit Available Card Account Summary 1713 February 3, 2009 $41 00 $1,500 00 $136 00 $800 00 $136 00 Closing Date: January 4, 2009 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 1 $1,309 45 3900 + 74 88 + 000 + 000 + 18 54 • $1,36387 Cashback Bonus Cashback Bonus© Anniversary Month March Keep building your rewords with every purchase Start redeeming once you reach $20 Coshback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3 55 + 0.15 $ 3,70 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing impaired) see reverse side 1 Visit Discover,com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us of Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Restaurants Other/Miscellaneous Gasoline $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Jan 3 Jan 3 INTERNET PAYMENT - THANK YOU Dec 14. Dec 14 Ian 4 Jan 4 Dec 9 Dec 9 Dec 9 Dec 9 CHEEBURGER CHEEBURGER MECHANICSBURGPA PAYMENT PROTECTION PPD 1.877.883-1959 TURKEY HILL 4280 ENOLA PA TURKEY HILL #280 ENOLA PA -39 00 30 00 12 03 23 85 9 00 Finance Charge Summary Average Daily Balances Daily Periodic Rates current billing period 31 days Pu c a ei $1365 73 0 04381% C�>�8 $0 0 06847 Nominal ANNUAL ANNUAL PERCENTAGE PPEERCNTAGE 1599% F 1599% 24 99% F 24 99% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $1854 $0 SO $0 Important Information If ewe rs mom me 11'05 !AV statement see the back of each pace for nOttlrora! Important rdermation See your CardmemberAgreement Your Canknealru Agreemery caroms al the Hems of',murk: ount Lost or stolen cards Repat;t-7ne3eey'Ce t.S U.5472 e,3 Billing Rights Summary In Caw of Emus u Oneahns About'ceir Diti it yea think vas h" Is :Tong tad ,nu need more ertonnetcn atml a sansaaa'n on ger hip wnie to us 1s1 3 sr•erate sheet c4 paper at Casrrnrr PO F.c' 30121 Saiz Lake Crty UT bit 1'3 :' 0421 as soon e: pawl* We mus: hear from you no Wei "tai 60 dais afar we sent you the h_ b91 or. worth the eoe or problem Appeared You can telephone us hul dwrf so :nil not prosaism your rights in pow Tatra y„e us the folkmanr, information • Your 115,110 and Aoomml number • Trm delta amoard of he suspected error • ,e5 01118 I110 ntra and ncp nn ,f you 0100 :Oil you Pahe00:'hoar et 311 eir04 If 8011 0'000 Mere orf 008000 daccnl : 001 dein jou are tmsmo :&taxa You do oat have le psi an/ alumni i ul q urs;.vin. o1 &r urn ale earesaguang but you ale est obligated to par me parts of your 10!.Ihn dao not m quesnrm Vele we twee ligula 4000 quesnon Vie 1010104101011 you a5 1100quen101 rake any 106ebn t, oati0Ct the animal you question Special Rule for Credit Card Purchases !f you horn 8 mablem oath Me qua!l;y of goods er services Tat you purchased ouch a ct a card end your have tried in goad fat to correct the problem twih the: oieiell n>f :kb may re h8',8 to pay Ole 1 8100no amount due un :he ouods ,e ner,sxts You hit, a ihrs p,ale:hat only when C le pudhasa (trio vies nlo!e 1100, 5°J 3rd tie purchase was modem your 1wma orale ry srn;un 100 tan of your .^:holrlg rtf44so 111 tors 0,111 a a,^.erole 10801011 or If cow nio4ed you rite advertisement to lb.) g81410 te ser•;ces 511 p:rrilases erecovered regaretes5 of me amount or ahcaaan of pur;aase Payments Sold oily Your papiro1 and the top 0enion cf aha siat8merl',I the er.,rat:r a prnro$ed Do rot send ash By sending your check as described above yeti authorize us to Ina At 011118103 Olt y1311 Check 1011110000100101100 an dorm t1en la' Iru011'17u7 1:1 101 tri I1te haemo ! myllij 01 ie4cyplad on vois 6?1101; 1,1 G) ipx,ev, the uapnrmt as a died' iia' sricsoi1 Il ;lament ts proc.ased as an ay. -Ammo tend transfer 108 tramstcrmil be for the anount rm ane check Men r,c ire anformalon from gory check to make an e!echcro_ herd transfer funds may Ix roald s:en from yam a 081001 as scan as the sae* dab wsl 10Cetie yrour payment. and poo vnll not recaee your ydodc bock Pram ;our 000110'.0 010000 The processng 01 p'.ar ocytocin Thai hie delayed it 'fay send Cash pYreepaldelre or other (eine oath your payrl*Yrd d you send Te paymer6 to any char add,ess u d y0: use an on'tidro ahw oar i the ono provu!e ct Payments 100 111,Cd of prow TOPII;11 our moan song Tautly by 5r'M local lfne on any day :mil he credited to yoln0tcraunt as of Mal day ayanents rece bed at aur procr:ssrltg frrtldy alter 5Fk1 teca, rune eel be medial In your Acchiotas of re nes: da; If via: have nusplaceJ y'uur envelope sere your payment to D0.covcr P'3 Box 6103 CaulSasam IL50t0:,[(1)3 Pleaseeuen7--t&'clayssa&entry Ilyour rc+wrnl„rationed mad wonlexoroe1110right. 11'rosut:nntdanan(kt:trona,debit You can pay your minium payment or a greater amount over the telephone at you can set p0 aU!Omaue payments Cali us at 1.800. )47 2663 You Asti need Pm 0,alament and your balk racoon mformakon 11:x! rnai ensure Maraeccru, f11116 bite avad1hle at you, 111I157 3CCn:mt (Odd 4 31 001010008301:1 ;s'm !y rag, LIS '.au `fob raft* ao4etl ru ateado nt fss! 5 digits of your account statement zip code By entering Inose numbers es your electro0to signature you wit be agieetrg ro Ors euthonz lion to atbn, us and ;our t1014 to deduct each payment -pa autlrn_e Ran your batik 326000;. and to mrrne dabs 0r crest entries to year honk accatts, 35 ap44irwt to area an etre in lite processing of such neym0m You must tdi 110 the amount cif each payment ant you can select an amain! such as the thnimurn Pr.,mant DA or the New Bauman each statement. You can camt., a payment however •wa must reIX'I,0 Iin1ee at Isom titres Lni?Ineo5 days to advance of the FatedUkTrl CaymEe11 Ycu 1:.16y 1r!!000 by plicae al 1'800-547-2683 a by ni5,1 at the 011110650(0(40 t'S. pre'oou5 paragraph If your pr'mer,'a may 0:111 in amount yr,' will C1' you nn each matith a 04010(111001 atom ran poyrecrtry(be mote and la= mutt ivat be Ya1r Autometl;. pa1101tenl amount maybe, kiss than 0•!1160101 on the rn:xdiiy statement. basad 0n 00dts ut 101411•en10 80°4:0 dining Ow! I5(0g 640:8 Credit Reporasg +A•a mey raper' infonhaOcn about your acccwa to oredr, bureaus Late payments russet payrsnts or one default cn',fair acaaunt may be reflected. pea 02111 10.•1111 'ado Tacna Ay report 1100 status rued pa0nir11 taste, y of year Account tO codaronniiaeg ugele80 each month 1t you [ideas Ihaf our 1.?pc1i (01raa01110 Or mamiptete please TNlme us el the taena'n%i address 411(5000.21 110 000 1031 u. Wilmington. CE 13810.531 i Plias* rol0de your 018010 address ham: leiephole member and Ac:.00 r.1 number PERIODIC FINANCE CHARGES. Periodic Finance Chagos the minuted nr rf imnsacinns hon•. Iha dale the iralrsa;aon rs posted to you, Amount :oat the, date you nay ya0 antce NPR' Balance by rnak'r+q payments tx reaeru g (14dri5 tionro:-er If yea pard the Nva 41163111611011(1100041,018001 halve s:aerrr, nl by the Pr4me n Cue Cale sho.t'n nn that statcmerll rend you pay (10 New Ba amt by Ore Pap rem l Due Date 00 your ;Curren! being slatrrne'lI see is O rat. impose P0,lo:dc Realm Charges on new purchaser. that rs. ;xnrtases fest a, rraanng on eta 0. ;*wait statement We cosI ails the gorge pitliod otherwise 0001 w141 re0e118! a 101109 statemanl rule item •!!081 (chiperiodic name Changes; on choaa riew purd0ses lit.. -re 15110 g,'au: per,;rd an ba'area uana4'vs 42 ash• advances Nuc sat your rrantoclrMS,n110 colpo of :vrdwses C4100 a'hanas and bale roe monsters and then punter 5011010 iransacaons rid4vn each polip by hon Annual Per,aantage Rate For t111(01le nucrionl0 satge0111 a 4 rOnter110Ra1 lata; and a:14asas sublecl to a standard rate r.011d be separate groups kin rater to these ;troops as kellca 10.0 catago00s 'a Re end cf each L•dirg porn& wit z m0,80 balances and Pe•od'c mance Charles Ix each cloy of Qv; b?,11g penal for each transaction category We use Inc following equation to compute Pooh&:c Finance Chagas for east [tan:AActon cicogory Aya!age Derry Balance x molder of days m the WrIC penal x Carry ?autd:c Gala Neu 11157Iataf To. die !manta (haw 5lrenntri al yrr-ir hylrxt stala111ont'tt i1.600310101010) Then the add a the PCrursc Finnan) 0.110WC11tl e301^'mesa.1l01ll category 1n get 'he To Panrdis It emcee Cha1015 for roc Account The Average Carly Bateax '04y0a0 as zero 4 b4Keirse o' the grace pend no Pe1xhc Finance Charges 0414114xI1181batanee 013 Uansaistl 60387Ory We rise 010 kiers)0 Vary Fa!arlce uncua1ig new (10015a610n51 toothed elydit^1!1(1:6( The bn:an20 upOit istoh s' ,";.;se Per110 Finance Ghana, We x141a the Rvela0e Daily Ratenee 1(113 katal transaction ca00zlrrry by ad'4ry up ala the deity hamar' in a h!Ieg cieI56 ter a tuciso1 an :au gory curt revakt141 100 L1111hi1Mt mr1Ms N Buys in fn+ b1Or13 281.> :40 caup:01 gx dairy Want*. fe 1acl lransact0060iogoy at coon day by first adding M Od or: n4 W the previous days da) 4005001/ ltai1a.reons made that day fr.•es ctemged 1Fat day 1100 Penothe 1ma1118 Ctial900 a;sllcd on the pnlv:ous dr: s daily 1081811001 and by thnn 0001acang any 101•1(1s 1111 payments 101(11(10100,311(0118101(0011410001110082101110 transaction category on that clay to ea!pdahnp the da81 balance b1 the Forst dm of the Ming peacd 'xe co1sr6er the 10100055 days b:nance tc hake M5n 4onr balance for each ten,acton 080egoljint the 1804 day of,vrrplev8sts ixl Pg plical11if L"0111''hat Is;altled10'ptn A1.11C800 atter Ms close of Ifo ltd 101 wind a1(010011d cava oa wilt Ilea:die 11rlserd'110 es, her lop Pottar!0& on the fast car of the bring per:cd to Wenn n x WSW to yew Account All fess cnasget to you' Amount are added b the standard purchase: trarsa.uon calegay with Ise exception at ore h Athn000, Transachen Fzr. Finance Gnal70.0 Wryer, are added to alt apphoshie cash advanve mesa•: on 60'400 ry and Balance Trarsfe Tra11sncWn Fee Finances Charges match are added to mite apphuable balance transfer nar.sa: nen to;egor: 40(10.11 4144031 ts1.rtco transfer rte exams se neve lie ueba 3 01(18 ! of I1e1 llalaa a:Tante- and the Balanre llmister Transaction Ice Flnanal Chagos Io the stamald acchsse transaction rargory Nor':m 1' lithe spec& ore nm been a 011110ated u0)01 One Maud Rae Plan coo 6ace rho wort Wane:: el the ba'uvrn transfer mot the Bamnca. Trensn' Tons- actvr, Foe F:nmlce Charges 1n the atr4 IGatee transaction crteger: until the specs'': rote :soak/ have expired For TDD (Telecommunications Device for the Dealt asiantance, please call 1400447.7449 Dat-aye11uTy =nix a0rd,a: twit& relsylhme calls be'lecn yclu and tuoei•WFI rep, e 0(105610,108010 qus1tl' a55:r alrn:xaposes The itsca.'er ,tan1 01ssuad 1r, <Cas.xrver Bank fae1bel FDIC 30088288 017(i)c1741 DISC VER New Balance $1,344.31 WILLIAM 1 CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Mimmum Payment Due: $40.00 Payment Due Date March 3, 2009 Address, e-mail or telephone change: Print change in pace above, or go to Discover com Print your a -mod address to receive important Account information and special offer. Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercord com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013443100000000004000 Discover More Card Account Summary Closing Date: February 4, 2009 Account number ending in 1713 ' Payment Due Dole March 3, 2009 Minimum Payment Due $40 00 Credit limit $1,50000 Credit Available $155 00 Cosh Credit limit $800 00 Cosh Credit Available $155 00 Previous Balance Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges New Balance page 1 of 1 $1,363 87 5000 + 1185 + 000 + 000 + 18 59 $1,344 31 Cashback Bonus" Coshbock Bonus® Anniversory Month March Keep budding your rewards with every purchase Start redeeming once you reach $20 Cashback BonusIR) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3 70 + 0.00 $ 3,70 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Card available for TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write un at Discover Card, PO Box 30043, Solt Lake City, UT 84130 Transactions $o Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date . Date Payments and Credits Feb 3 Feb 3 INTERNET PAYMENT - THANK YOU $ -5000 Other/Miscellaneous Feb 4 Feb 4 PAYMENT PROTECTION PPD 1-877-883-1959 11 85 Finance Charge Summary Average Daily Balances current billing period 31 days Doily Periodic Rates Nominal ANNUAL ANNUAL. PERCENTAGE PERCENTAGE A E NTAGE TE Pu c a,�e�,, $1369 64 0 04381% 15 99% F 1599% C�AiISi6�8 $0 '. 0 06847% 24 99% F 24 99% The rates that apply to your Account are either fixed (F) of they may vary (V) as noted obove Periodic FINANCE CHARGES $18 59 $0 Transaction FINANCE CHARGES $0 $0 Important Information if NoeI0011ooe Ikon one pogo. lo this !Am staterretrI Sec els bad. of each oar ler additional important informaron See your Cardmember Agreement Your Cartenanden Agreement contains 4 the fears of your Account Lost or stokn cards Repott inrmetelaly, Co1 1.890.347.26n Billing Rights Summary fr, Case of EIVEY$ 01 Oneohorts About Your NI If you think ot11 toRs wrong cr if 'phi wad more intormatien atm! 1tramtachrin on fOUi 101,Wee Cn 3 separate sheet of roper ai Discover PC• Dor 39421 Sa9 Lake Ct./ UT 84 tr.,-(421 or.00 possible We 'nos! Nor horn yoJ Ciro Wel r501 1:14.$ after we seqt yOu thF 3011101013 wild, the eon: or pIrihrn appeared You at 301103109 00 but domg so MI not presertte mit nghts 41 your tele.% gf•fitl us i he folaraang ober/anon • Yam norm, and Acwuril number • Trod do1at amount c•flrie 5000003310 .11000 • • Describe Me nom and :tool a you can :My you tasheve !hoe, ts191 Ofali It Feu Ileod non inforin imn doecdm 1110101111,311113 are unsure abode You do not have to pay ruly immure ni 'mesh:m*16M am ate rnmeagatrag hit you are sel 31.1,11410d lu pay eie mom of your Lt& Mal are nut rt ouestvon 'Add we inves.liguig your quettecdt we cannot report jou as delreydard o: :Me any OCSOn 10 creel the entounl neo 1413e311100 Special Rule tor Credit Cord PUrChascs lf you hare o mobleni '*331 1110 qualtty of xods or serece5 that you purchased with o 0131011 .131,1 and you hare tried ri 030,1 fat to =rev prohlein nib ME mewl kild yuti m,' rtcC how tupey Die sentaist rig amount due on 411, 000,1,101 semwe V.Y“ p,utecton tatty when 30 moll:n.41 pope lido MOW than 550 NA Me puirhate was mode in your balm Mato or oralmt 109 mew of your elmbig oddness um owe c• omaram the marehaat or dm, inaSed yoo 1111, advertisement la the ge-rds or scars tet p310130011 310 coverall ;ageless of toe anomie nr ge_abr 033.1111303 Payments Sergi rimy your paymme and Mgt top parbon of Ors Motormen! the CMiCpe prooded Da mt send cash By serail; ynur chNk as dr:scribk at*ve you authorize Oslo use ealoweboo pit cheek to inalia ao eigtdrow tmd !wades gum 'par atm -nail 0' 1311110110130 13511hmt, 11111111130d 1111'00113 (Meek or to process 130301301 113,3 Ova 3101111010311 II p331113101 35 processed as on clordrortc rand zronstor [he trawler :mitre lot the ambani 011 Me check When 010 335.1 I nImmat,on from your chedc to make an electrons find transfer lvr11scoryIiO 11,91 -drawn frO,r, WO at-Am...Ill <IS 3001 11,E same day we iNeri!: you 33'irlent00101 yna rnll not recome );C411. itock hod: afro your 1411IIIISIJl0I1413I Th4 processing of your payment may he deardd you send cash ocrre,pondende 03 other ttem0 with .,our 981,10811 111i send the payment Ic ry other address 003 m.. use an onolcpo 31001 loan 0111 0011 ;:rvaled Payirel3S 0:1?1,0 in fairer 1013115111111 p104403115 134115 13y 5P3I local bme un any any vd3 131110101110,1000301013111011130031313311013 Payments seemed 01 133' prmessmg 1041133 3811111 SPM loom lime will he credded to your Account as :31 toe 0300 1101' It yeti have misplaced your uNcloog send your payment to Discover P,3 Box ft 1 in Carol Savant IL 851814193 Please two* 1-1(1 days lur clamor y 3 yd.; r p nett 1111010,1111111101011 V:(` tescree the rlC11 to rest:hug d 00 im election data You can pay your minimum payment or a greater amount over Me leteolums and you coo eel tip autonmec payments Cali 31 01 031)47 2083 yo:, „sys need tit stmemem 30110 10111 haidk titcwrt rilturtaton too ;txml enstde duo tairmaye fundare v:100hle 11130111 hark acryttnt omni all fru mactems nu txrply e411, li 31 low You tml ackf:,: to movele 11100151 5 diIoof your account statenen I zm vor By entering hose numbers 31 000 *011004 114 signave yea will bk Veen k, ass eutseve on allow us and honk 15430d1311 each pro,grenlyna authorize haril fiat bare: account. end 00000301300001 cl eluncs our totnk ocardni 00 appecatt to econd on term at Me mote -swig of such oayrnent You mum MI1 us tte amounted each garment or you can sewed an amino surdi as the thn;rmon Peymenl [I or the New Baance on each &Mumma( You con 3431413113 pliyIllen! 10038300331 must receive imbue at least tree buttmess dmes 0 adtortoo of Me sotettuk,d Oayetent You ineynah us by phone el 1400.317-26133or try rood Inc- wki,ctis hared in the preouus 00111018311 11 .dlii•pnymettls may veil/ ernoont nut: MI MI you on eget rnnnthly statement when your payrrxrd wig be made end 30rsinoch Oydib# Your Automatic, payment amtAin! iney he less than indrieed 30 13110 duntiry stateroom( bused 53 vents 111 00,1111010 nopleil Merl the billn cvde Credit Reporting SiVa mey report information about your a ocount te cado bureaus Lida paymoies 115(531.178311001010 or other tlelauits on your acootire any be refleetud 31 yaw coach nett 'Ate ',wrath mond the 0153114 81113 payitor lova' y of yore Aramot 10 01011! 111700039 agencies each crumb 1,4,1 3131310031 Cu 0,11 slynr raceta3tc of ;MP iplete please tynte LIS el it* (down? address Crscover PCI Ercit 15:: 13, Wilmington. DE 19850.5310 Please include p111 93109 atWess home telephone pumber and Acov..rd number PERIODIC FRANCE C I4ARGES. F'enMK Finance ClialOes Er rtnpmed tri tronsav mos itom the rtOio the IracsalKel 15 posted iv you; Recount 'dont me date you pdy ymerante New fiat:vice ky trateng payments or tee:at:mg e:odec 'Howevm you pail the Nc..1,F53i3PC,1' d I yolir r),CVIZCIS h&c Masan:erg hy the Payment Cue Cole s`mystn on that statement and ythi pay Me f1ce Palo rxt by the Fop bani Due Cam on your cartrif Wing statement 51* will or.1, rqmse PetlOtte Flnikl'ZE Cheques on new pttchaset. mitt rs. ;And-a:rots trst endear -41g Ihe cutront stanthent Vie 123 Om lie roe period 01110031130 volt MI re cove a tellog urntlt that mcluties Petindtc Finance Charges cm Mose neye purchases Pere I: no [paw prmad hnunce transfer s or cash ndeonws INC Orl 'fate Ilent8C13N10 grturs 00Rilaseb cash oduantes and balance transfers and Men furter 500 11311 ransacker: eatro ea•th woo cv ten Annual Porcanter. Ram Per example cur choses sutra to e cfricuove rate and pm chases subject to a slantfa Mit Wt1,13d be selmate o03'5 We relet le these proup:t titles:it:ton categories ht end et each lAted rood we coromge balances and Parodic Finance Charges 011 0401' dey al the Maio rood for each Sense:Man canesely 11te use Om (dem:1g ermalon Ic compute [Mtg.:Po Firiaoce C gas for euett tiansocloo 31000780,1 hear Dmiy Mennue number of deo ihe bang period DIV Pavtadrc. Rate NottfIldy 180100111.3 1110131*011011)31 at:P.1114qm yar Moto ethinment tcw thcsn mnounis 3 Then tee add up Me Pertortm Ftnanon Cturaes tor ext.. torso non cater,ori ill get l3*'o101 Pe sole mance Charges MY rile hot:mint The Armor Daly F,alantr 4town as :two Eiti4%iFe e the Face boned no Pentels: Falange Charges 4,14 30 11* hslantet to a transaction CalegMV We use Me Atrerage Day SaMnce 131.13.01009 311* tronsactforst inothod 31.1 acute:fir the bronco upon wh‘ch rye mapose Perrodic Finance Charges We weTre: rheAverNe Daly fleance lui each transarlma ealeirtylty nd,I'M up all the dmty folnircett in 2, blimg rind kg hamiacton c3lf!spri and dualatii 01010101 try Ma mina*: tit daps 1, the Otago cpy .3131 compute ho deny bilifinte (11 1100' 131415.11100003111130171130003 lay by 0ml adding bo: tedicrnim to Me torc-mous days dry boIance Intasoctorts made Met day fens clamped Mat doy end Pent:Mgr-memo Crones ma:trued doi by then subtracting any crodis and ;more" that aoosed aware,. the bafante of the trarmanuan comer; 0811101,10r In cs'o.initN dad, balance lot am Ersi dos of itm bang period 11.1020,150111,11111pOe*0050535111313049 ,o ias,a bean your balance for eoch toes:totem eyee•gia mi the last day ie your p113303113 IA pe,issi if ter taunted:pusted Aukuinl aftt.: 1111 C,IV.9? of be !du ttj tn.301111 r31,540 d atInan,. 1300113 tient ihe liantoctral as Say. ;no moral on the first day or 4r:131,1p period '13*01110011 310310130105011' Artouni /31 3005 charged Ic rom Alcove are added to tho standard mrchaso oar-sat:Mr colegmy well the exception of Cash Advanax••r ransachon Fee hinance (amines which am added 13 001' opp•rmble 0351r advance gm:sae:um colegory and Balance Transfer Transachan Fee Finances Charges Mutt are added to the baintace 5an5FC.7h1,r.sarnen caotgory When 11 opo; balance transfer rut monies *11 851313 3111 0115.3101 bate(*) ot the baltmoe transfer and the Vial:tore lianeftx Tronsachun Ice Flamm Chmges ro the standard purchase thmsardion emegory rimester if the spnco rote 110-S boon terneraled ontlet the Defoe Rate Kan w11310,01133130p0rl111.1111i00 311 01,10310113,330 hander and the 8.31311C1r Tisnsfog Trans. 8101131 1108 remove Charges Ir, the sprigabkr times:NAM 01le901: Until the Nteced dimly:Add Net/ witted For TDD (Telecommunications Device for the Deaf) assistance, please call 1400-347-7449 Dotouet may inmate add-. I el:td 10103181M Gals beitreen 310( 0101 rlc-coeer romosentavyte 10i ittatty asscranoe 03111035119 The Discover ‘2201 ISYJelt tj'y alitVVEI Bank blembeiFDIC: 30088288 01 TBI1170 DISC VER' New Balance $1,300.51 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $39.00 Payment Due Dote May 30, 2009 Address, e-mail or telephone change -2 Print change m space above, or go to Discover corn Print your e-mail oddress to receive important Account information and special offer: Account Number ending in 1713 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online € Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013005100000000003900 Discover More Card Account Summary Closing Date: May 4, 2009 Account number ending in 1713 Payment Due Date May 30; 2009 Minimum Payment Due $39 00 $1,500 00 $199 00 $800 00 $109 00 Credit limit Credit Available Cosh Credit limit Cash Credit Available Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page I of 1 $1,30083 3900 + 21 46 + 000 + 000 + 17 22 = $1,300 51 You may be able to avoid Periodic Finance Charges, see the revere side for details Cashback Bonus Cashback Bonus* Anniversary Month March Keep building your rewords with every puichose Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3 77 + 0.00 $ 3.77 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewords and more 2 Coll 1 -800 -DISCOVER 1347.2683) for fust, easy self-service ophons or to speak with a Customer Service Account Manager 3 Wnte us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Apr 14 May 4 $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date Date May 1 May 1 INTERNET PAYMENT - THANK YOU Apr 14 IDENTITY THEFT PROTECT 800-347-3089 U1 May 4 PAYMENT PROTECTION PPD 1-877-883-1959 -39 00 9 99 11 47 Finance Charge Summary Average Daily Balances current belting period 30 days Daily Periodic Rates Puc mes^ $131094 0 04381 0 CAHSd6�8 $0 0 06847% Nominal ANNUAL ANNUAL PERCENTAGE PPEATCENTAGE RATE 1599; F 1599% 24 99% F 24 99% The rates that apply to your Account oie either Fixed (F) or they may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $1722 $0 $o $o Important Information If Mere is mote Oat ore pegolo mks bong statement see Lite back e' each page fm aldnwriai mporanc inforrnalten See your Cardmember AgIedment. Teta Ca'jmember A,lreener 1 Contcr5 as the terms 01 yod: Amman Lost or stolen cards Report u c,aady Cat 1.600.347.2683. Billing Riphts Summary F Case el Eras or Questions Atri1t Yar BN If you benk your tit is tso% or d you need more mbima:roe about a transact cr en ylw eft, rade 0 este a ismer/de sheet o paper nt Dam,. PO Brox :0471 Sat Laky Cdy i/T F.41300471 As twat ns poss+Me We ns t.: heat !rum you en iairr mon Ag days antiur:.ar:n: you the fes too, 0t, wnCi the ever a problem appeared You can IeieOhcna us tluldx9 s01001 eat preserve yaar ogles h yew letter gee us the boo lrvg information • Toot name and Account enter • Me doter amount of one suspected eon • Desuobe the errer and e0 0 xo d you can, atgp you believe 001? rs 0100000 II yen, reed nae nun n;ate01 descnte Me ,:en: you are u sure:thout You do =have so pay any animal in question wfie, cm are iweskgatmg but you are sitl otytga:ed t0 pay the pans of on bb shat ere enc m guesum tl'MO ve mtresiga:e gra carestee 1011 111000 rimed you as delinquent or take any relent calix the amour! you cuesten Special Rule for Credit Cold Purchases II you have a poUent nth he t, 3:dr oI goods or services that ya purchased with a circle, card. and you Kaye bite ra good lett cermet the ovobleynl mum toe met dent you may nos have to pay dm ween:eg amount do en the goods or senvcs You toe this tvolectte01 or y when the purchase once Wan more ter EU) aM ate purchase /as tract m your home state or wain: 10G Imes cl your main° address ',Uwe ora Of operate the (swatan o dire maki yea the ndveresemen! for the goeos or serves al pnol000es are covered rega'dess of the a mount or Iodation 1 per' 10000 Payments Ssnd ank your parnent and She top porno e(thrs statement to the oraeope provided 00 net send casts By sending you: 'Muds as descrbec atom you a 1010000 us to use n(a 00100 en your &melt lon$10 an dearolll: hone rrans'01 from your actnunt at the 541001 151141 111 moron on par chede iv 10 proem the pa; met! as a check 1000051 it payment is pocessec as an e.ectrorrt Land tranofet fie transfer tie be for fro amaur., elite check Wort ae .se adormabon from you the:A to make of electron,. fund !rarstet Uri% tR! wdl Clra'an 1001 yaa, aootinl as 6001 aS Bin Same car ov Mum' ynaa p3yme1I and gnu ere not Torose your &nesi batik from you Snanaal 100on ion The po:esnng of your paired min bt (0007et r' you send cash extespanderre or oiler teens vein your payment, d you seat the mast tent u any 1rler address a 1f yvu use fico cr restpe tine, than fee ;104 061 Payments,erni:¢•d r.. proper bra al ow prarssrrrp'xi;y by 5Pli Mot tr a or any r1y wit Le awned to tour Arnhem as cl mat day Payments raca'xd a: out plecessrhg madly alter 5PM tot lima Oil be canted to yam Account as of tin next nary It see nave chspdaced yew envelop?, seri pit payment ha Cleaver PO lax 6103 Card Sxeam It 00197.6103 Pease arca* 7-• t0 days au delivery apse payment is torted unpr'ad seta reserve the: 01M to r1subnx it as an eiobaxc debt You tan pay your minnni n payment MA greater amount over 1R 0hgtvnne. and yao tan set up armor rive:1G Cal us at 19080347. 603 You vet need this Oak rrtrt1 end ykrr bank ec:^otot mtorrsoten gnu trite./ ensruo shat strtimo'. cords ata nemlabke m you; hank account. on at trrsartans must comply 04 11 S law `Nu eat he rnkte to moven the tr01 1.Orgcs10 pili 000101siaterentZIP cafe By entering those nun s as your electron': ingnatme, yet oat! be agieettg lc On audeivaien Mari us and ycur bank to deduct east, paylert you aurhonz trrt war bank ."rout? and to resat debit or credit mates m year bank OLCdu11 as apparaflE. u toren an error in me pretesrmg 0' such payment You must tors Iv mow et each paynhenl a you ran select an amount suer es tet Penman Peyrlam Poe or he Vat Ba arae our each statement Yee, can ranee a payment noyever sve' 1755)1100010000000010001 11cManessdaysmadvanceu1tie;xlminldcapon Yon may nal•'yusbpohonerJ'•1100347.%83etbyroad atd;eantress051vm100nrasaa paragraph Itycerpaymentsvaryr.amwnlwenoP:etignuciteachmonthlyseer.etaviler•yawpaymentsad!beeweaidhazareach4tillbe Your attomampayment ambo+:may he less shay mdlca aJ or. the a,0mhiy slater re based on areas re, payments 1001 dung 1110 bllrog coo Credit Reporting We may repart erkrnasal about you' account la veer bweays Late parent missed payments. or ohhes Belau s an your accent maybe retkcte : m yrnn aedl Kron lie 00000)9 report the status are payment history 0 your Aama-1 /o oelJ traction 09ewes 5.'V: frit:is hew Nicer dam btu repot 0 eator0 e a un:exrpete. phrase wnie ia• at the kixxiciu address D saner. PO Box 15315. Wrorngtan OE 19950 5316 Phrase ncl,eie your name addies5 home 1ekl9' 0 mantes are Amend nunlaa Grace Period on Purchases (111 least 25 days). We begin to expose Malone Finance Charges or. 00lronsartru••s torn le itanse:ten 0a'10 hit the liansatl mn as Shaw, on 9011 Mang sakannt unless 0 barsad11' s cosier' to 01101 Ac0.1d after the desert eve Virg oozed n: when B nrQJ's m 0inc!1 rase too bogie L1 impose Perpcac Finance Charges on 111 transa1ct from Mc fust day 01 the be r, penal to whist 1:15 905100010900010119010: (410 ahntm a to impose P0n0@C Fmete Charges until bite d'ee you pay pie entire Noe Balance by makog payments Or fCCenirg crc1is HCme.Ver d you par0lhe flex Wawa on put pi maws being statement by the Parent Mt 0310 S 3101 On that bting statement are poo pay the Nt0 Bata= by rhe Payria nt Due Date on your ru,rant tiling stelment sve tad: rpt moose Perw36;vitiate Charges on new 5 :rtfi115e5, flat n pot/lases fest 11990armg or 1110 cutler/ blerg statement We cap les Me 'prase pence• THere t,0 no grace penal Cn balence han5Y.1s of cash advances Nmlrnum Finance Charge. We vat charge ye a rammer FINANCE CHARGE of $2 03 Iv any brdmg 901:od m whit Penedic France Charges or less Ran 52 00 Wand othernase tie disposed Annual Fee t ytvr Account has an nnnuat leen vet be ladled at the beginning ni each anniversary rat yourAcdcura is own The amount cl the lee appears nn the 0010/11/101 when Ili. gee rs 001;td The Iteral lee a not refundable urnass you. Wordy its that ya:; 0)1011 ID case 9111'A•rqunl wihm 30 nays 0t the x011015 or deteery date of the stowed d c1100Oh 1e fee is bless. Too w/rrocevelitsrefund C000dWWeusepoorCavd doing that Wren Periodic FinanceChargos. t1'e sat your transactions On grows of ;mitoses rat's ativ nQK and F name trtnsf.ers are then runner stay the transactions maim each mop by Iher Mated Percentage Rat For example p rdnases subject to a ;uark8mal rate and 11:r1ases seeped to a standard 11310 would be seem.* groups We refer ho Muse groups as Weismann', tatea30nes At the end 01 each bring pnnw ce romp,. a ba'4ar ces :and Permit Froism» Charges fa with da. 01 t1 bdPnu Floral )o earn ines3.112n agegnri Yle use 0015 Vowing 0Caalc+n to mut 1;11111 Pcn0Nc Finance Charges to ea :it 0110500114X'1 category (Avenge Gni Balance) lees (rays m b&ny p*red) tiles (Deep PPnzi1c Rv1,, (You may refer Ic 10e fna•1te charge summary on your bang caterer for geese ahwrds) Then we add sp the Pewee ;orrice Chasees k' tads ratsec101 category to get Sr luta Porode F911114 l Onsets kr 9111 /stood Thu Aetage Canty Ba0ns. iS shawl es a.1° d because vt the grace poo rad nv Pence Fianna, Charger: apmly 4 the tetra: to a uans311010 category YM use: 9t,` 110_`rtrgs Gary 8119101` pndt4mg new lre0003Carensl mete 0101010000110111041311110100911100000100101)0100 the Perone Frannie Chaves WE 03ruide 0101 Average Cady Bayer far each tra10Y.t5r category ey 2d33l0 up alt VC 0.10 balances in a bang past, t0r a 1o15200n ra!ec✓y and 110etl:ng ere 1010', try Inc 0u*000 at days m Inez bdh til per.3 We coryttdc the r.ofy balance for each transaction category cc eac+'.l day by 400 adding Ml freshg u tie press days Mai t 0:nue liarsxt rh well a 1e, nacan^ 0at0 0'' Mat day as shwa cn your being ata1mmd unless int bansaYer, a pasted Io your AOcand ate/ tie dosed the Ming paned meters oca;re m which case lh0 enesadon wd. be added to SW 'lady tetanal as Cr the to day 0 debiting period to vile, d is poste: to year Amur' 'ees .&ogre! dal dny air. 9101slx' Fntanta Chaepos acauod et the groynes elri a curdy balance add by then subbacGoa any creeds and payment that am appOcd against the balanced the 1,0nsacto1any/ or Thal day 11 cal:u'2hnp the daily be.ance for list day 01 lb biding petted. sift 01rseXt tbc'prernu. c d;y's 4319 baItnce to ha1L` Mien you, aaAr1.e Int end' eansadi'n category do the last .day or Yea'. laminas ty,hrg penal AG lees charged to your Account are added SC the standard anti:I1se Iraroaclior category:yen the eyoepaon of Cash Advance Tramaclpl Fee ['matte Charges which cat added to the 11991 psppflcaclox (azngery XII Balance Tu+n0dr Transactlto1 Fee Penned Clarges Ouch ate weed In de autdtable berme renter Ir11501POrr, art09ry Where Re • +twe14C unpad 5001000 01 me ualanns transfer are the Balance Transfer Trartca:ham Fee France 011r9c5 w the standard durchnse transacbrrt adego:ry Hove+.ver 4 the special rare las been trimmed 111001 the Default Raze section we leave the unpaid balance 0' d>t: xllarcc bnrsro' and the Balance fansfer Trans non Fee Fs ewe Charges n 9pt ap0kca0h 0a(anca harder oanea0tert category until Ile speaal rale should have trend ForTDD (Telecommumeatrons Device for the Deaf) assistance please call 1•600-341-7449 (55504et maym0110a Anda record telephone cads 10ett ee0 }nu end Osraver rromse11 sbves fru quaty assorenoe WrOases TieMSCCreed alt rs ested ba f9vaT-51 97.111( Member FOIC 017611181 DISC VER New Balance 11,300.83 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $39.00 Payment Due Dale May 3, 2009 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 1713 Enter Amount Enclosed Below 1 Please make check payable to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013008300000000003900 Discover More Card Account Summary Closing Date: April 4, 2009 Account number ending in 1713 Previous Balance Payment Due Date May 3, 2009 Payments And Credits Minimum Payment Due $39 00 Purchases Credit Limit $1,500 00 Cash Advances Credit Available $199 00 Balance Transfers Cash Credit Limit $800 00 Finance Charges Cash Credit Available $199 00 New Balance page 1 of 1 $1,282 18 5000 + 50 96 + 000 + 000 + 17 69 • $1,30083 Cashback Bonus Cashback Bonus® Anniversary Month March Keep building your rewords with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3 70 + 0.07 $ 3.77 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit 0iscover.com to pay your bill for no cost, viewour latest Account information, eam and redeem rewards and more 2 Coq 1 -800 -DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Gasoline $0 Fraud liability Guarantee Use your Discover Card with confidence Trans.., Post Date . Date Apr 3 Apr 3 INTERNET PAYMENT - THANK YOU Mar 12 Mar 12 IDENTITY THEFT PROTECT 800-347-3089 UT Apr 4 Apr 4 PAYMENT PROTECTION PPD 1-877-883-1959 Mar 27 Mar 27 TURKEY HILL *280 ENOLA PA -50 00 9 99 11 47 29 50 Finance Charge Summary Average Daily Balances Daily Periodic Rates Nominal ANNUAL ANNUAL RATES NTAGE PATES ERCENTAGE current billing period 31 days Puc a•e' $130375 004381% 1599% F 1599% c u M288 $0 0 06847% 24 99% F 24 99% The rates that apply to your Account ore either Fixed (F) or they may vary (V} as noted above Periodic FINANCE CHARGES 117 69 10 Transaction Fee FINANCE CHARGES $0 10 Important Information if Syr is more tan one page to this WIN* statement see the back of each page. kr addihonat arportant information See your Cardme !slyer Agreemem Your Carilmantef Agreement COntat115 tile lettnt, of arAecourit Lost or stolen cards Repot mrnactistulyt Cal: 1.3)47.?6.3 edling Rights Summary fn c;ase. of Fars or Otiesuons About Yam Eel If yen thint :rag her s Vong itt yOu need more plearnatien ahem a trans:tom on our aero ti5 '0;13 separate sheer of paper al Discoire, PON°, 30421 Salt take CM; UT E413110421 esons possiMe must hear ricer: you no Wei Man 60 days oleo we sent you II* Its; trl an wriuds It* error ca anthers apimaied Year ran teleprose us but Omuj so AUI Oot preset im you! rights in yam Otter win us the lon.ng form:otos ; Yaw noose and Adopted number • Tne dotter arDont of the suspected error • Describe the ono. und axaSimi if lot, can oar; yen helieve thine a prat If r'JtJ need owen iirbonatian describe the item pit ale !rIslite.ittotti You do eat have re p,r/ any Bit ni quest= wit ate Jr ale arrestrgaling WI you ate ett otilgatrol to nay me net of irtIO are nut sr ..y.iesPun inile we investigate Vag question we Cannat restst sroJ as delinquent or Mu ailiacI,On n uPtleCt the animal stia uesach Special Rute for Credit Card Purchases tf yeti have a problem with Me quarry et goods er services tut you purchased wit a eredrt card arid you hese tnec pood fat to correct Ihe problem mar thu nwu1weI AA, may ItetnIV pay Ile reniammy aintrunt due im the goods ire seryasno `Mu hese ilia putted:on only when die puictiuse pir.v Was inose than E.50 and the ;Ronnie:a ;cos made in your ?lama state o, within 100 Woe Pt your mailing address ill we own es operate the merchant or dare nailed nu rraaveresentent fin the ands or seryces ea purchases me covered regarstees of the amour,: or &nnffnlree Payments Send only your pa.,,nvot and tte lop omen of this statement rre erivelcpe groveled Do ma sand rash By sending well check as describe!: above you atithorze us to ese111051181itul 01 Nit chord uiiw en elitett011.*:u nstoterfreojr 111t itt thst rcur1 innaituttai rads:Mad an your cuecti at tt', pe..)Get,51i. hOrtlet7 at: a diet* tionsecton 1 oasrreent ts pmoPr•sed 45 an eiechonic lurid transfer Mie. transit:4,mi be for Me amount on the check Wien we ate nrennatton from your cheek Is make an electron:, fund :master funds ropy be withdrawn horn visa account 44 littan ;SI the same day we 'rearm ,Litie payment. and yrzi nl TiOt ritra,tte your chock bad: filX11 Sam ttttl IT ICIII!Uttan The pocessog el your payment mar he retard d you bead r1r cerrespondenae el other r ems with your carment if you semi the pqrneer to any other address ur it yeti use en envelope onus then the one prseirlect Payments teemed in proper form ai our prom sang lochry by 5PM local moo on any dny wit iv credited no rcirrACceLnt stS of Mal day Payments raneint Dig Prnia-33'ng fanuyty after SPM loco Ione wit! be uedled Ir yaur Accatiat as of the nest day It wau hese in rsetneed ;rear 00etChle seed year payment to Discover PO Box II1C3 Civet Secant IL tifi 1;37 6103 Please wow 7.. 10 dapd for drervery 1 your payment s returrprl tinned we reserve the right to reSlIhnlit ill as an electronic debit You can pay your minimum payment or a 21231V annum over the tetepune oral you con set up automatic pm/meals Cat es et 1.8.05.2.472063 You Asti need pos elate num; and bar* ae.ountinfortr.ation Ion rust ensure Mat Sottcont fonds pre rprar!obto 1 pui, 5101, accrunt act all transaztstens ntimt ;mem)), S law You Abr. asked pimade Me Cyst .P97! of your account stateiwn zip code ey entering hose numbers es your ;tier:bona: signotdre you will be agreeing 1 ars aUthereation allow us and your bank to deduct each payment you authorize ft am Po book accourd. mud to 000050 debit 0 credit entries 0 ).our typik acrzurt as anplicabe to sorteci an error cia 1 Ine poiressing of such popery WM CMS! tat us tie amount of each payment 1ryou can select an amount such oe Mminiurn Payment Due or the New Dwane* ;menet statement You can s nisei a pestilent however riV. must ,OCebett react at Isast hes business days in *dirnnc.(iSir stiaiduk,d [slyer's-id You may nate us by phone ar l55 7..2683 to by rier3 at the, &Stress listed in the previous paragraph if sour VIVMettii tray vary in amount vers wit) tell you nn each mentalv statement when year par-cm:mil he rinds and haW Mach 0 srfite 'ear AtunnuuK, oofinont amour', maybe less tan indicated cm ISa nanthiy statement. bnact ii ;tad% or payments stpritsit doing Bre bibrtr nyitio Credit Reporting We may report informatien about your sixourri to crede bureaus Late papnents ro;SsUJ payments or other cletkrits 0 your amount may mst une:AO ru your credit report normally eeport Me. stalas and paymorn his of your imixtint to credit reponwg agenciee each math Ir you tel 117! our own 6 inaccurate orincomplew please write us el It* foliovery address Diseover PO Iles 15316, Wilmington. DE 10350.531,3 Pres-* inctiute your name address home tulephOile ru.gutl9r POO Ac=,nt runber PERIODIC FINANCE CHARGES. Perri* Finance Chainos are 0111,xeri on tronsadiems horn the nate the transaimari is posted to ilttit Amount ;am! Me Mae you pay inn eale Nevi Balance by inalsrm payments rx rec.:erring veins .10.v:ever it you peel the NE* Salem oil yen( rearms billing statement by rho Payment Due Dare shoom an that statemers and you pry the New (talents! by the Forearm Doe Date ori your caren, bang statement we ..u4 no. impose Perste Fmancs Charges 01 07 ounchases mal is. ;Ann -rases lest nnostarpg on the currant stater's& Wo opt pus itte TM* poice Dile:wise you 'all rucer,,m, e bans staterr&it next mutt Mal mduries Periodic Finance Z.:barge., on those now purchases There is no grate period trn Imams hanslers. of cash advances We 107 yOut treeluDOOSIPX groups of purchases cash a:trances and oat/nice ;ranters nail then kinter sot the transactions *Obit each group ov Situ Annual Parceintage Rate 001 example rxirtrarSis subject to a pt Of Iletienal rate and marlines subiect IncVanden! ratenn,d be separate prapo dde rear 10 tt-erer groups as transaction categories Ai the end or each Ming perod we acrnprie balances and Pei iodic Frnanre Charges for east, clay ol rha Veno pernail for eenh transardion caleoory *Ye me Inc fadcarng equation 0 compute Ponallic Finance Ch.arget lor tett transaction catepry Average 0,ety Balance number of :Ilya e he &Nig nartod s ()ally Polo Rare 1! rt.wcy whit tt; are tyseaux 6arge si cense, 131 400 hating suimment for those animists Ther tic add in the ?crock Puma; Charges tor each iranserfort category 0 get Ise iime Puente finance Charges lc/ryn Acationt 100 Average Daly Ratan:ie.; Mown as Zero because 0 he grace oenod mis Pemxbi; Finance Charges apply m die Manor, la a narsmartar co:agar,: We use mu Average Vary Balance tinettking new iransactsms1 method of caleraling ;hob:lance api slrch v.e coolie Penor.10 Fmano Charges We oampute the Average Daily Poem's for each transaction carom by oding up all the theiy balances in A tultror3 omot: for a traocattm iprOgOry and :Swing Me ritai by Me number of rays in the crme e compute tie deity balance fan eri. transochan category ail each Prr; by rust adding the foilatvel la the fnevus days eary beionce hon.sazione mode Mat day fees Ch011ed 11 d0 and Periodic. Finance ab.gos armed on, Me piston day E. dotty Latant<1 ald by then subeer.m: ng any cmditsscil priorsres 11.3100 ryirliod 551001 beitnne el the transacaon category an thei day In asictMline the dear balance lot the first day 015*101107 petrol we etaisidei ISe pteWiett$ dyo balors,nt to nose bean your balarre Igo eith tunsonon imzegtas on der tast day or ;ore pre,rroto. biting period tratisastion rs putted to vour An.a.itint after Inc: clime ;rite titling 1101071:11741! 00010 tofi loot the lialSPCNIII tEi as mg Miner en on Mc first day of din Wino period m whin it is posted to may Aceiount rsa tem 0531700 10 your AMettet are 3)100110 the standard purchase harsztim; category tver Ii050001111000 Cash Ananneo.fransoction 1,.0e Fusence (amigos *104 3* added 10115* oar/table cash advonms nen sard on category and Detience Transfer Transaction Foe Finere Changes vinich are added o the applicable batence tangy apissevieri category Whs..; *07000l bWance transfer 11+10 777155 *0 roVee 17,0 unpaid baleMon or ire batem Panda, rind the Balaece. Tionsfix Tramachon Fee Frnatics, Charges le the standard porclisse Mosacticri category However 15* sperm rate ars, been ;emanated tinder 1* Erefeuit Rats Ilan 13*0010100 impart Laltei of the holaist annste.4 end the Baiancr: Transfer Trans- alion Feu rioartUt Charges 10 the rapticatre hansiscom maegmy todil the sieve! rate wauki have expired For TDD efelecommuscarions Device foe the Deaf) assistance, please call 1400.3474449 Datovar rroptor nodror retord tolophops calls basemen Oat GOP fittehrer reoresenstnves: lor ouelitti rissatorice amPoses The Discotmr can; issued try Narver Pack Member 0DIC 30088288 CitTIP(170 DISC VER New Balance S1,350.71 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $40.00 Payment Due Dole June 29, 2009 Address, e-mail or telephone change Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer: Account Number ending in 1713 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013507100000000004000 Discover More Card Account Summary Closing Date: June 4, 2009 Account number ending in 1713 Payment Due Date June 29, 2009 Minimum Payment Due $40 00 Credit Limit $1,500 00 Credit Available $149 00 Cash Credit Limit $800 00 Cash Credit Available $149 00 Previous Balance Payments And Credits Purc hoses Cosh Advances Balance Transfers Finance Charges New Balance page 1 of 1 $1,30051 3900 + 66 29 + 000 + 000 + 22 91 $1,350 71 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus'` Coshbock Bonus® Anniversary Month March Keep building your rewords with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3 77 + 0.11 S 3.88 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (asswtonce for hearing impaired) see reverse nide 1 Visit Discover.com to pay your bill for no cost, view your latest Account information• earn and redeem rewards and more 2 Coll 1 -800 -DISCOVER 1347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Wnte us of Discover Card, PO Box 30943, Solt lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Automotive $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Dot Dap May 30 May 30 INTERNET PAYMENT • THANK YOU May 12 May 12 IDENTITY THEFT PROTECT 800.347.3089 UT Jun 4 Jun 4 PAYMENT PROTECTION PPD 1.877-883-1959 May 9.. May 9 ADVANCE AUTO PARTS 41252 MECHANICSBURGPA $ -39 00 9 99 11 91 44 39 Finance Charge Summary Average Daily Balances current billing period 31 days Doily Periodic Rates Nominal ANNUAL ANNUAL RATPERCENTAGE PERCENTAGE Pu c a,le� 11350 40 0 05477'0 19 9990 V 19 9940 C $888 $0 0 06847% 24 99% F 24 99% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $22 91 $0 10 10 Important Information 11there is me araart ere page to Itits 'Oak! statement see the back eit each tisee er adddc,nal urporeint inlearaben Ste your Catdmember Agreement. Your Catmerber Agreetnert V.41Z13 iS Ihe lerMS Of y0Q, ACCovni Lost or stolen cards Report uteratheelyt Cat' 14004474683, Baling RightS Summary Case e Errors or Qliestoils Abate Your Bbl if you Mok. your bill is aeons all you reed mere inlet stator abet* a ttensacbort eft your tul1 vase to tie et? a separate sheet of paper at Dtscowitt PO Brix a0421 Sal Imo Daly UT 0415!.0421 as 05ro, an p0000h10 V.it min110000010! you nu tater tat St; days after we sea! y0u the tin! N. on Attach the **Or EY7bient appeared Vcu Can teleehane 00bia *mg Social nel preserve year rsghts le yew letter give este foiwtng niformtaton • Yont name and Accaure neater, • Die Mesa r *Wel of me seaweed error • 110110110 erne and rear 0 you czn, wityou bdeve ileac In an arra If oro e nutui :owe Ink:motion detinntre the Men ere u10-are ;axial Yeti fle nee 1100510 pay any emaintir *ester:010 we are investigating tut 0001110 sat eteigated to fav the lees of yoer bA that ere nal 0113011410 li'rhele we investigate yet: east* vie menet report veu 00(1510100010 or take any tartbrei to reelect the amour! p011001111101 Special Rule tor Credit Card Purchases' If yott have a problem with the guatity of goods ot aearices that yev putrawste wit; 0 ct edit card and you have Mee ei its)* lath le correct the problem with the net *ant voe troy not have to pay the 'emanate 101111500 en the loads or services Yoe have Ihts 0101e01100 Mny when the purchase oil* was men! dee 11111 0015* purertase was ma*o you' hoe* Mate oreethin 100 roses et your matleng address [awe oral of owaie 1100(11015010 er if tee inaued you !re advertisement for me goods or services 10150111101111 OM co4ittedretlaniess• el 1 he enamel or 4cation el pod-ease ) Payments Send rink' your payenot and the lop p00Or.eI ets etaleireratn the:rive-opt provided 00110 send case By 0011100100! check as leSenbed above you aultocze us lo use sirametnon yeur beck to make an caesura ne. bine Opel:Vet from your acme"! at 110160.010011- restate* teeraza ne your check 01000(01100 lie !tame10 as a remit twassatiren it dement's pmeessee as art eitceonte lurid trardfer ea:isles wo, be tor lee atnerd 01tie check *nen 100 00 mfr./matron bore yotx chtt,k 01150106" electronic lend earsfer ends rn.ty be writ drawn from ywa acand ps sena as the Sante day we lecerve your peyment and yeti val! net tenure yew tiled ba111 freer emu financial eistuatem Tee pmeessitie Of your payment may bedsit:eyed it eata seed Cash curespondance 51 ether teems wile yrao patelere if you send the parreat 10 any itteter eddress ol you use an ervekpe 100050(00 the one provece Paymeals screwed ir roper Icern 0100! protatasuat tatty ay 5P).1 *al fret or any dey tail be escorted to veer Account as of 1501 day Payments [Keyed a:CU processing laOtty after 5PM Iceal tme *Vibe erettoted 0'rem Aermure as of tee neat bay 110110000 Inaplaced year envelmes, some your payment le Deceve! PC) Box 6103 Cruel Stream 16011511-0133 Please allow 7-10 days ler delivery 1y000 payment mininied tripod 100 reserve the nett kr rasahriti 11 as an 00rllOtrCOIll delet You can peri your 'resolute payment 011(1111010! amount owe' the telephoret mai 103000 set up tonomur. parte:115 Cat', vs at 1.600.3e 7 -266a Yet Ig need ISIerlePtand your bank account mbar-elm 'Mu mum ensues that sufbraere lures are ;wetable in year balk accost', 811101! mesa:tons must (temple with la 0 law 'NO 01(11111 ask*. to provide the Prsl 11 catip of nu ace:ran! stateroom ZIP cede By entertng 310/e nue Wrs 00 '00 electronic stgreaure. you attl! be rig, eetreg 1011,11 aulitonzasen to a iltra 10and yeta bank to eeducl eat 00500(1703 authorize from yotif 111101000000! ard to meals! debit *cede mates re year bank accorre 1t0tp0. ED ttennt e0(01 0 he atette101na 010UCh parent Yoe must lett ite to amens* each peyntent yeti see *feel aft emceed se* as the L'asuret Ire Payment Due or Me New Ba atiCe 0043141 510100,0(11101 can cancet paymeet however we rem calve note:eat lost three hustriess toys te advance of the sr:hotted payment Yeti may 11103111 by *one el '-80G-347-268a ef tea:131 the actress bated in tee (maws paragraph 11 your papen. 501)01 ameant we nal on eaciri monthly StWoreci Olen )(Jur 7450'01505: be 00(1101111111100 tru eh a wit tee `roof mean Mc parent 011100110(015 he liras than unleated un mom!, ly slaeretia base 1111zr05lloorpolyll000300000511110191110 hairy rtyma Credit Reporting ttie fray !Wad retiree* about yobs account te medr 1)010000 Late payments missed payments er other detatals an y001110011501 may be reflected In your med I reaerl We nomolly settee the stabs and pram; tustory of you• Ampere le credit reporting agnci ees ea* swell bet11,, cidu report 105111000(11111111 reserpete. peesse *Me os at the tob.mme tette'ress Deemer, PO Box 15316, tYlrlaireem DE 19850 5311) Please dude tour name acletess home teleaserme mintier art Account number Grace Period on Purchases tat least 25 days). ta/e beans to arpesc Pram& Fiiimice Charges ea all Iransateues 101011(10 Transact* Date tor the lr11001115100301101010111311110 Ulna statement Un';ess Mama:bon ts busted 10 your Account after the close of itne Meg pereet 111 tante it *cars el whet case we *go M impose Peremis Firer* Cheese an etot 1105$610J01(1100) lee n0!110' 31 the bane pen* to which 0 es *stet le your Atawnt We texenate to Awe Pertodic Frearee Charaies evil tee date you pal yew ertere New Balance by makang paymerls et reaming credits However 4 you pale Ite New Batanix en pal previus 04teig statement 3015 Paper:Due Da te *mem on that Weep statement and yea pay NCIA, Balrerm by :hs 0113,515(511)10 Date ex pit rarest! t043g elatement. tre rol 001(1*0055101 Finence Charges on new purthases. that ts p0101001101111101 *mania; or CUtien1 b,ing statement aVe call leas the -grace pew* ' There 11 One pelted co hat** transtes or cash achmeras Mmimum Finance Charge. We'o11 charge 100 a rentmum FINANCE CHARGE o1$) co for any bang lamed in which Perm* Fri/roe Cherges of less War 32110 we,/11 eteeratse by unposed Annual Fee if yeta Attareit MS en anrouin fee it all be' billed at the *prang 'dearth anniversary /381500' Acacia's ts. open The ardent oI 1111)5011 appears en the statemeal when the fee a bled The *mai fee is nia reltentabte *less ye:trebly us Mal you vest, to dase yaw Atrouto maw 30 cays 0510111011103 01 ft:miry dale td the statement mt which Ice fees billed Yoe we rectierethei reivne even if }eu use your Cant tame I/O) *nee Penodic Finance Charges. We your transatters into groups of caucinases ease advances and Nan* transfers are then tonna! atet the transautons nilltri each g cup by thee Anted Percertiege Rule 11(00100111(41 purchases 0)5110111130 rvormOccal rale and ettadearOS StitleCt 10 a stariecae MD: would 313i101 We refer .0 these gloves as hanserame daimons At the end el each tilting period we compcte Weer:es:cid Penxfic rowed? Charges far %nth day sI the bitting 1(1110100' each mrsaceen sae/tette; 31411100 rho reitealncl efivalon 1550017)1) Peepers Firw.ce Chargt: fa kicalsaoRei 108401y (Armee.: Dina-Bator:el tree. teays rn Sllog tiered) bares !Daily Pertudic Ride) Pk:array 1010051 the finance charge 05010611110! yeti, bang Statement for these einotinis ) Then 5)00150 rap the Pomade Finaece Charges ter ea ca transaction [Marty to get Ine tula• Pttondit Finar* Cretan for fate Account The Avetage Day Baaince is shwa' as zoo tl ton:J:11131Tc grnce penut1 no Pertodic Fearer Charges apply le the haler.* in a bansaeltur category We use 1515/10111050 Data 6a10010'310010113 rem transaceonst method olcalitteahne tett:Warm epee ovh'Cl 111 sepriee Pervert Finarce Charges Var maraca! the Averreee Daei Baartue far each trarsxtine categoni ey add'ing spall Ito (tatty balarees tit a Wog pert* ler a itansactor cadger; aud edee 0,11(5110 try 11*11510311' 01days te Me Wog*** Sae compule the natty batarice for each hansaction ontepery en eace day by fire: adding the letteming to the p100105011111115105 y tolaace traramters wtth a 'Reeser*, Date *Mal day es Shown en pet bong statement artless eartsaemen ts posted lo your Altauel afte, Ma close* 5111501)1(5 1(€rlldlfll!11101011 ocdas ir vie* case the transaction wit 11581111011 to the daily Ulan* as of the brat dev cl del blamer)** In whet a posted re your Amur t tees *argot that day ard P5015101111151111111. Chattems nereed er the promos dive rInd',i tvalance and by then subeacang Any credits and paymenM that are exact agates! the balance e tha Iranian:inn Categ0ny an that day In calculative the darly bar ce for the fest day* !ha felting pee*, we *maim the 'pewees day's 11115*111/01(011 to ham been your Dater* lot each trensaceen netertery en the last day ca year prerred biter.) pen* Al lees charge:: le you, Account are aecte: t the standard purr:base transact,* category with the mime* el CashAevance Transaction Fee Finence Charges went are added 1000 applIcaltrancent ea* 11,01053111)550 and Delmar Transfer Traesattunt Fee Farr nce Chagos which are ace* to :lei apercable hater:at aansfir emmactror artegory Weep the apadfal•CMftgeillticeetreffeve ('10(117851 ha** el the balance eansfer and the Balance Twister Transacban Fee mane Charges to lie standard purchase vansacem emegary Hovemer d spared ram has be* 'emirate-a elver the Default Rate section 111500-011 the unpaid *tame of thc balance transfer 001)11* Balance fiar5'er Trans:men Fee Ftnance Charges in tie apakcatte. °eaves barsfer nansaeber category rime the aaectat fete would have expired For TDDITelecommunications Device for the Deal) assistance please call 1.11.00.341.7449 Discover may emotor andrer record telephone coils beta:eel ram and ()stover represencabves tor golly assert:ince perpeses 01TBiClei Teri Discover card 11 issued by Discower Reek Mem*, FDIC DISC VER New Balance $1,354.98 140.00 Payment Due Dote July 30, 2009 Minimum Payment Due. WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone chonge2 Print change in space above, or go to Discover com Print your e•moil address to receive importonl Account information and special offer_ Account Number ending in 1713 Enter Amount Enclosed Below Please make check payoble to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-108a 000001986456454272014013549800000000004000 Discover More Card Account Summary Closing Date: July 4, 2009 Account number ending in 1713 Payment Due Date July 30, 2009 Minimum Payment Due $40 00 Credit Limit $1,50000 Credit Available $145 00 Cosh Credit Limit 1800 00 Cash Credit Available $145 00 page 1 of 1 Previous Balance $1,350 71 Payments And Credits - 40 00 Purchoses + 21 94 Cosh Advances 0 00 Balance Transfers + 000 Finance Charges + 22 33 New Balance = $1.354 98 You may be able to avoid Periodic Finance Charges, see the reverse side For details Cashback Bonus`` Cashbock Bonus® Anniversary Month March Keep building your rewords with every purchase Start redeeming once you reach 120 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus Tho Period Cashback Bonus Balance 3 88 0.00 $ 3.88 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1500 -DISCOVER (347-2683) for Fast, eosy self•service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Dale Date Jun 29 Jun 29 INTERNET PAYMENT - THANK YOU Jun 12 Jun 12 IDENTITY THEFT PROTECT 800-347.3089 UT Jul 4 Jul 4 PAYMENT PROTECTION PPD 1.877.883.1959 -40 00 9 99 11 95 Finance Charge Summary Average Daily Balances current billing period 30 days Daily Periodic Rates Nominal ANNUAL ANNUAL Periodic PERCENTAGE PERCENTAGE FINANCE RATES RATES CHARGES u chase,, 11361 16 0 05477% 19 99% V 19 99% P PCS 8888 $0 0 06847% 24 99% F 24 99% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Transection Fee FINANCE CHARGES $22 33 10 10 10 4p,ppytknt Inforynat5045 55 tic., 5., :15..5;q5!4.a, »t»: ,dcpe. ▪ tirr '5.51 ddele101155514,53:51 51,4C515rieitt5 $te our Sert.idt.501bel Agseesnersl 5515,5 4:55545:1t555etf AgreAr.e... coda tri Allot Aim.; ct:o Lost or stolen cards P.r4on.r.r»=.1.a'Cll'(:151. 1400 -342.2E82 Baling Itghts Summary A Cesr. 55.1,1x)r4, Alz,ol Yr:a; if )15) 455554 555 :445535454 s" 441555554554 ''55*1 no, i55,5'.44y,5b.4„,,,„5555 1451 3 ))OparIllOr.'): prdacr a.DSX5.4".e. 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Mr day p' yo h 11,1 2,1 515514 are 0.1aryl ..,e eporlo•P f rdlar.rr ;r45456, -51o4 15"155'454, 443,5.55.5.'4,,5: 551 155.55 7):))) r44551-,IV.Olf.1515534 caird"tyy '54551 5454453 1 41555,; r;hicac».. ,;11,v& ad7a,,j For 10D (Telecommunications Device for the Deaf) assistance, please cal 1.800-342./449 ...`,1,:n7.ne Way 511.:5,55e; Lil Vetil l3IJ55I,fl y .1::$51515Yt. ,54551;:4555talivti. 54 11114 5527115 N., sr3)),er s.eq! 54 V55015)55)sr5r,V, ).3,431, 1...4)))LerT14IC DISC VER It pays to DISC VER. WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current bilking period 31 days Balances Rates RATES RATES CHARGES CHARGES Purchases $1 480 43 0 05477% 19 99% V 19 99% $25 13 $0 Cosh Advances $0 0 06847% 24 99% 24 99% $0 $0 V : Variable Rate Information For You This month, the featured Cashback BonusIR1 Redemption Partner is Bed Both & Beyond(RI Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card Need Cash2 Whether it's for an unexpected bill or an emergency car repair, Discover(R) Card can always help Get cash at ATMs nationwide or hove money deposited directly into your bank account Visit Discover com/cash to find out more A Discover(R) gift cord is an easy gift Mom will love Personalize Mom's gift card with a name and message Even get FREE shipping Visit DiscoverGiFtCard com to find Mom's favoute gift this year After 12 months of consecutive inactivity, Discover will begin to assess o $2 50 monthly dormancy fee (c)2010 Discover Bank, Member FDIC 30088288 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683. DISCOVER DISC VER New Balance 51,46255 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due Account Number ending In 1713 544.00 Enter Amount Enclosed Below Payment Due Date June 1, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change on space above $[ Pay online of www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014625500000000004400 Opening Date: April 5, 2010 - Closing Date: May 4, 2 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees I New Balance See Finance Charge Summary section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cosh Advance Credit tine Available $1,469 45 4400 + 12 90 + 000 + 000 + 24 20 + 000 $1,462 55 following transactions $1,50000 $37 00 $800 00 $37 00 You may be able 10 ovoid Periodic Finance Charges, see the reverse side for details T See transaction detail for a description of any fees charged Cashback Bonus* Anniversary Month March Opening Cashback Bonus Balance 8 4 26 New Coshbock Bonus This Period + 000 Cashback Bonus Balance $ 4.26 la barn more rot n m www.Discover.com and select Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1.800-347.2683) Please have your Drscoverm card available 3 Write to us of Discover, PO Box.30943, Salt lake City, UT 84130 For TDD (Telecommunications Device For the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,462 55 Minimum Payment Due $44 00 Payment Due Date lune 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance For example If"y'ou make no additional charges usr.ng this card and each month you pay You will pay df the balance shown an this statement in about And you will end up paying art estimated total of . Only the mmrmum payment a year; $2,624 $54 3 years $1,957 (Savings = $667 ) ( you would like information about credit counseling services, call 1.800.347.1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access. statements, pay bills online and easily track all transactions Make your money worth more5N—find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Other/Miscellaneous 30088288 Trans. Post Date Date Apr 30 Apr 30 INTERNET PAYMENT - THANK YOU $ -44 00 May 4 May 4 PAYMENT PROTECTION PPD 1.877.883-1959 12 90 See reverse side DISCOVER DISC VER it pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 30 days Balances Rates RATES RATES CHARGES CHARGES Purchases $1,47384 0 05477% 19 99% V 19 99% $24 20 $0 Cash Advances $0 0 06847% 24 99% 24 99% 50 50 V v Variable Rate Information For You Need Cashe Whelher 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 bunk account Visit Discover com/cash to find out mote DiscoverfR) gift cards are easy gifts Dads and Grads love Add a personal touch with a matching gift card and greeting card combo Even save $2 with promo code GIFT2 at DiscoverGihCard com through 6/30/10 After 12 months of consecutive inactivity, Discover will begin to assess at 52 50 monthly dormancy fee 30088288 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance 51,456.30 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due 543.00 Payment Due Date July 1, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Pay online at www Di cover com or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272.1084 000001986456454272014014563000000000004300 Opening Date: May 5, 2010 - Closing Date: June 4, 2010 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees 1 New Balance $1,462 55 4400 + 12 84 + 000 + 000 + 24 91 + 000 $1,456 30 See Finance Charge Summary section following transactions For detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit line Available $1,50000 $43 00 $800 00 $43 00 You may be able to ovoid Periodic Finance Charges, see the reverse side for details ' See transaction detail for a description of any fees charged Cashback Bonus*' Opening Cashback Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance Anniversary Month March $ 4 26 + 0 00 $ 4.26 Ta learn, more log in a' www.Discover.com and select Rewords 3 Easy Ways to Contact Us 1 Access your account securely al www.Discover.com 2 Cali 1.800 -DISCOVER (1-800-347-2683) Please have your Discover'=card available 3 Write to us of Discover, PO Box 30943. Salt Lake City, UT 84130 For TDD (telecommunications Device for the Deaf) assistance, please call 1.800-347.7449 aqe 1 of 2 Payment Information New Balance $1,456 30 Minimum Payment Due $43 00 Payment Due Date July 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 24 99% variable Minimum Payment Waming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example ll you make no additional charges using: this cord and each month you pay :You will pay off the balance shown on this statement in about And you will end up paying an estimated total of . Only the minimum payment 8 years $2,608 $54 3 years $1,948 (Savings = $660 ) If you would like information about credit counseling services, call 1.800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morew—find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credit Other/Miscellaneous 30088288 Trans. Post Date Date May 31 May 31 INTERNET PAYMENT - THANK YOU -44 00 Jun 4 Jun 4 PAYMENT PROTECTION PPD 1.877.883-1959 12 84 See reverse side DISCOVER Important Intormat,on If ,J.E,s, 4 :11011,4.3 93.1,,12,1, 1,4 '1e4i3',•ttOtt tteat wkipretica Site your Cattintatrtbet 49,eement. .tt cod. on el. .0.. tg 'No A-ts'si' Last or stoien cards. il.c4or. Rtgl,ts Summ.sty Can,. 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"3 )StArit!' }AS IC DISC VER 1t pays to DISC YR' WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Periodic Other Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 31 days Balances Rates RATES RATES CHARGES CHARGES Purchases $1,467 52 0 05477% 19 99% V 19 99% $24 91 $0 Cash Advances $0 0 06847% 24 99% 24 99% $0 $0 V e Variable Rate Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(RI Redeem $20 Cashback Bonus for o $25 Bed Both & Beyond gift card 30088288 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance s 1,4$0.08 WILLIAM.' CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $43.00 Payment Due Date August 1, 2010 Address, e-mail or telephone change2 Go lo www.Discaver.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below $ Pay online at www Discover com or make check payable to Discover Phone and interne payments mut be mode by 5 O0pm ET for some day posting PO BOX 71084 CHARLOTTE NC 28272.1084 000001986456454272014014500800000000004300 Opening Date: June 5, 2010 - closing Date: July 4, 2010 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Chorged Fees Charged New Balance $1,456 30 43 00 + 0 00 + 0 00 + 0 00 + 23 99 + 12 79 31,45008 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available 31,50000 $49 00 $800 00 $49 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Ta kern mum irx3 :n al www.Discover.com Anniversory Month March $ 4 26 + 0 00 $ 4.26 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.cum 2 Call 1.800 -DISCOVER (1.800.347.2683) Please have your Discoverr& cord available 3 Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103; Carol Stream, Il 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449 page 1 of 2 Payment Information New Balance $1,450 08 Minimum Payment Due 343 00 Payment Due Date August 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $3900 and your purchase APRs for new transections may be increased up to the Penalty APP of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no addrhonal charges using: thi; card and each month you pay You will pay off —.Arid the balance shown .a.n this statement in about you will end up paying an esti.mated total of . Only the minimum payment 8 years $2,595 $54 3 years $1,940 (Savings = $655 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online toils like Paydown Planner to create a plan to pay down your balance, securely access statements. pay bills online and easily track all transactions Make your money worth mores',.— find easy ways to earn and redeem cosh rewords NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Jun 30 Jun 30 INTERNET PAYMENT - THANK YOU -43 00 Fees Jul 4 Jul 4 PAYMENT PROTECTION PPD 1-877-883-1959 $ 12 79 TOTAL FEES FOR THIS PERIOD 12.79 3/11188988 Interest Charged INTEREST CHARGE ON PURCHASES $ 23 99 INTEREST CHARGE ON CASH ADVANCES 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable. password protected statements • See your statement as soon as if's available rather than wait for it to arrive In your mailbox. • Gel 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/paperless i7YJI G D:xcmn bunk l wnbcr Fr)C PA!tit 07 10 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON BALANCE TRANSFERS $ 000 TOTAL INTEREST FOR THIS PERIOD 23.99 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30088288 $ 90 71 171 B8 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER It pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 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 APR) INTEREST E SUBJECT TO INTEREST CHARGE RATEPurchases 19 99% V $1,460 75 $23 99 Cash Advances 24 99% $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 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, wnte to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Ac5g4n1 informoton Your name and account number Dollar amount The dollar amount of the suspected error Dgscrigtonnsf Problem If you think there is an error on your bill, describe what you believe rs 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 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 thot amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question. you are responsible for the remainder of your balance We con 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 hove purchased with your credit card, and you have tried in good faith to corect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must hove used your credit card for the purchase Purchases made with cash advance: from on 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 ore 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 hnish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not poy we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay of least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send rash By sending your check as described above, you authorize us to use information on your check to make an electronic fund toaster 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 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 11 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 SPM local time will be credited to your Account as of the next day If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601 Q7.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 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 I-800.347-2663 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dale (e gthe 15th doy of the month) that occurs before your Payment Due Date If your scheduled payment dale 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 (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode 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 $ law You can set automatic poyment; for (i) statement New Balance, (n) statement Minimum Payment Due, fin) statement Minimum Payment Due plus o hied dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount may be less than rhe 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 authonzotion for your records Amount 0 Full Pay (..,,,j Min Pay ❑ Min Pay t $., n —, Fixed Pay$__..._._...._., Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments,missed payments. or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month Ifou believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on 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 dale 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 fiy the Payment Due Date shown on that billing statemen, we will not impose Interest Charges on new purchases. that rs, purchases first appearing on the current billing statement, or any portion ofpa new purchase, paid by the Payment Due Dote 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 cashadvances As more fully described rn the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on tW billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed You will receive this refund even If you use your Cord during that period How We Calculate Interest Charges •.Daily Balance Method (Including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for eoch balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance For each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits andymenrs and make other adiuslments (including those adjustments required in the section titled "Paying Interest") In cakulating 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 bulling 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 doily periodic rate, for each day in the billing period The total Interest Charges for the billing period ore the sum of the daily Interest Charges For each transaction category for eoch day during that billing period When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your biting 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 odded to the daily balance as of the first day of the billing paned 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 balonce transfer transaction category Credit Balances. If your Account has o 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 agonist this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more akar 6 months, or as otherwise required 6y 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 Discovercard is issued by Discover Bank. Member FDIC 01161i32 30088288 Questions? Visit www.Discover.com or can 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance Minimum Payment Due $1,450.08 $43.00 Payment Due Bale August 1, 2010 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change2 Go to www.Discover.cem or print change in space above Account Number ending In 1713 Enter Amount Enclosed Below $1 1 Pay online at www Discover tom or make check payable to Discover Phone and Internet payments mud be mode by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272.1084 000001986456454272014014500800000000004300 Opening Date: June 5, 2010 - Closing Date: July 4, 2010 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fee: Charged New Balance $1,456 30 43 00 + 0 00 + 0 00 + 0 00 + 23 99 + 12 79 $1,450 08 See Interest Charge Calculation section following transactions for detailed APR information Credit line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,50000 $49 00 $800 00 $49 00 You may be able to ovoid interest Charges, see Additional Important Information for details Cashback Bonus Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To Irarir m 0 I05 ,nut www.DiscoVer.eom Anniversary Month March $ 4 26 + 0 00 $ 4.26 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.com 2 Coll 1.800 -DISCOVER (1.800347-2683) Please have your Drscovere card available 3 Write to us at Discover, PO Box 30943. Solt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Deeice for the Deaf( assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,450 08 Minimum Payment Due $43 00 Payment Due Date August 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you moy have to pay a late fee of up to $39 00 and your purchase APRs for new transoctions moy be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment eoch period, you will pay more in interest and it will take you longer to pay off your bolonce For example If you make no additional charges using this card and each month you pay You will pay off :the balance shown .on this statement ;in about And you will end up paying an estimated total of . Only the minimum payment g years $2,595 $54 3 years $1,940 (Savings a $655 ) f you would like information about credit counseling services, cull 1.800-347--1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your bolance, securely access stotemenis, pay bills online and easily track all transactions Make your money worth more d^—find easy ways to earn and redeem cash rewords NE W I Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Jun 30 Jun 30 INTERNET PAYMENT - THANK YOU $ -43 00 Fees 30088288 Interest Charged Jul 4 - Jul 4 PAYMENT PROTECTION PPD 1.877.883-1959 TOTAL FEES FOR THIS PERIOD $ 12 79 12.79 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 23 99 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess 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 wall 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 C2910 Dr.wei bunk tAairtheoIDC._ PAPtR 0310 Transactions (cont.) Trans. Post Date Dale Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 23.99 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30088288 $ 90 71 171 88 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347-2683). DISCOVER DISC VER DISC VER WILLIAM J CAIVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRT is the annual interest rate on your account Current Billing Period: 30 days TYPE Of BAIANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE TINTEREST Purchases 19 99% V $1,460 75 $23 99 Cash Advances 24 99% $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 immediately' CaII 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 Descrtption^gf 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 m writing You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay t1 amount in question While we investigate whether or not there hos been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on thot amount The charge in question may remain on your statement, and we may continue to charge you interest on 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 omount against your credit limit Your Rights 0 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 io correct the problem with the merchant, you may have the right not to pay the remaining omount 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 cosh advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If 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 omount 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 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 of the financial institution indicated on your check or to process the payment os 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 05 soon as the same cloy 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 oddress 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 ckiy 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, Card Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 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 payment dole (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 (4) digits of the social security number of the primary borrower By providing those number: as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each pa ens 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 on error in the processing of such payment You can cancel o scheduled payment by phone at 1.8 347.2683 or by mail at Discover, PO Box 30421 Soli 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, (u) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a hied dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If rhe scheduled payment is greater than the Minimum Payment Due, any excess will be applied in acc.ordance with your Cardmember Agreement 11 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 Tess than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records _ Amount ❑Full Pay El Min Pay E] Min Pay + $ ❑ Fixed Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month Ifou believe that our report is inaccurate or incomplete, please write us at The following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the dose of the billing period in 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 0 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 poid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statemen, we will not impose Interest Charges on new purchases, that is, purchase: first appearing on the current billing statement, or any portion of o new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period Itis 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 Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, d will be billed of the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Card during that period How We Calculate Interest Charges • Daily Balance Method (including current transactions): We Figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying Interest") In cakulobng 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 doily balance for each transaction category We figure the Interest Charge: 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 odd 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 ore added to the applicable balance transfer rronsoction category Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover'card rs issued by Discover Bank, Member FDIC oi1sK'52 30088288 Questions? Visit www.Discover.com or C011 1.800 -DISCOVER (1-800.347-2683). DISCOVER' DISC VER Nev Balance 51,444.52 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $43.00 Payment Due Date September 1, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments mut be mode by 5 OOpm ET 6r same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014445200000000004300 Opening Date: July 5, 2010 - Closing Date: August 4, 2010 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fee: Charged New Balance $1,45008 4300 + 000 + 000 + 000 + 24 70 + 12 74 $1,444 52 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit line Available $1,50000 $55 00 $800 00 $55 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Cashback Bonus' Anniversary Month March Opening Cashback Bonus Balance $ 4 26 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 4.26 Tu burn mum k m :,, ui www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (I.800.347.2683) Please have your Discoverit)card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Boz 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,444 52 Minimum Payment Due $43 00 Payment Due Dote September 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay o late fee of up to $39 00 and your purchase APRs for new transections may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and n will take you longer to pay off your balance For example lfyou make no additional charges using this cold and each month you pay You will payoff the balance shown `.on this statement :in about And you will end up paying an estimated total of . Only the minimum payment 8 years $2,582 $54 3 years $1.933 (Savings = $649 ) f you would like information about credit counseling services, call 1.800-347.1121 Manage Your Account Online at www.Discover.com Access free online toils like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bulls online and easily track all hansactons Make your money worth more'.--- find easy ways to earn and redeem cash rewords NE WI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jul 31 Jul 31 INTERNET PAYMENT - THANK YOU $ -43 00 Fees Aug 4 Aug 4 PAYMENT PROTECTION PPD 1.877-883-1959 TOTAL FEES FOR THIS PERIOD 3008A?R8 $ 12 74 12.74 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 24 70 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable. password protected statements • See your statement as soon os it's available rather than wad 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/poperless J.•rrtva bunk l.!nm%c. ILD PA1'LN 0710 Transactions (cont.) Interest Charged Trans. Post Data Date INTEREST CHARGE ON BALANCE TRANSFERS $ 000 TOTAL INTEREST FOR THIS PERIOD 24.70 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30088288 $ 103 45 196 58 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347.2683). DISCOVER' DISC VER ti pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 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 RAPurchases 19 99% V Cash Advances 24 9P% V = Variable Rale BALANCE SUBJECT TO INTEREST RATE $1,455 11 $0 INTEREST CHARGE $24 70 $0 Additional Important Information. See your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately Call 1.800347.2683. What To Do If You Think You 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 Ascom inform kon Your name and account number Dollar amount The dollar amount of the suspected error Des40pti4rtof 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 doys after the error appeared on your statement You must notify us of any potential errors m_wnting You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder oF your balance We can apply any unpaid amount against your credit limit Your Rights 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 mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these ore necessary if your purchase was based on an advertisement we moiled 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 o check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above ore met and you ore 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 riot 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 al 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 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, fund; 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 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 hove misplaced your envelope, send your payment to Discover, PO Box 6103 Cord Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit 30088288 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 dole (e g , the 15th day of the month) that occurs before your Poyment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, m the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bonk account. as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or (Arlo 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 rhe scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed or4 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 + S, ! Fixed Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normolly 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, V rlmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying interest We begin to impose Interest Charges on oll 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 rhe billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the bihng 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 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 grace 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 transaction category This means that if you do not poy the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, d will be billed at the beginning of each anniversary year your Account is open The amount of the Fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to dose your Account within 30 days of the moiling or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Cord during that period How We Cakulate 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 "doily balance" we take the beginning balance For each day, add ony 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 colculohna 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 Thus 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 doily 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 doily.bolance 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 cosh 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 frond of your billing statement A credit bolonce 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 Sl 00 or more after 6 months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the De4 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 DiscoverVcard is issued by Discover Bank. Member FDIC U itBR''`s2 30088288 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800.347-2683). DISCOVER' DISC VER New Balance $1,438.81 WILLIAM 1 CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $43.00 Payment Due Date October 1, 2010 Address, e-mail or telephone changeR Go to www -Discover -coin or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below 1 Pay online et www Di:cover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for some day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014388100000000004300 Opening Date: August 5, 2010.= Closing Date: September 4, 2010 Discover More Card Account Summary Account number ending In 1713 Previous Balance Payments And Credit: Purchases Balance Transfers Cash Advances Interest Charged Fee: Charged New Balance $1,444 52 4300 + 000 + 0 00 + 0 00 + 24 60 + 1269 $1,438 81 See Interest Charge Calculation section Following transactions for detailed APR information Credit Line Credit line Available Cash Advance Credd Line Cash Advance Credit Line Available $1,50000 $61 00 $800 00 $61 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus°' Opening Cashbook Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Ta 'corn mute log m ut www.Discover.com Anniversary Month March $ 4 26 + 000 $ 4.26 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1.800.347.2683) Please have your Discover card available 3 Write to us at Discover, PO Box 30943. Solt Lake City. UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 11 60197-6103 For TDD (Telecommunication•, Device For the Deaf) assistance, please call 1-800-347-7449 page 1 of 3 Payment Information New Balance $1,438 81 Minimum Payment -Due $43 00 Payment Due Date October 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased vp to the Penally APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it wit take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will payoff 'the balance shown 'on this statement in about And you will end up paying an estimated total of . Only the minimum payment 8 year, $2,568 $53 3 years $1,925 (Savings = $643 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online toils like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores%r----find easy ways to earn and redeem cosh rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Pod Date Date Aug 31 Aug 31 INTERNET PAYMENT - THANK YOU $ -43 00 Fees Sep 4 Sep 4 PAYMENT PROTECTION PPD 1-877-883-1959 $ 12 69 TOTAL FEES FOR THIS PERIOD 12.69 10088288 Interest Charged INTEREST CHARGE ON PURCHASES $ 24 60 INTEREST CHARGE ON CASH ADVANCES 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess 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 wad for it to arrive in your mailbox. • Gel helpful payment reminders Through c -moll or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up Today al Discaver.com/paperless a;201 Dn::mmt Bunt Mont** F1)1.2 PAPLR(13IQ Transactions (cont.) Trans. Post Date Dat. Merest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 24.60 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30088288 $ 116 14 221 18 Questions? visit www.Discover,com or call 1.800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER It pays to DISC, VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate jAPR) is the annual interest rale on your account Current Billing Period: 31 days TYPE OF BALANCE ANNU {p PERCENTAGE RATEPurchases 19 99e V Cash Advances 24 99% V = Variable Rale BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $1,449 49 50 $24 60 50 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 Doti 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 folbwmg information Accounlidormotion Your name and account number Dollar amount The dollar amount of the suspected error D . rtplion of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe d is a 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 call us, but if you do we are not required to investigate any potential error and you may hove to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in 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 topay 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 1F 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 550 )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 mode with cosh advances from an ATM or with o check that accesses your credit card account do not qualify 3 You must not yet hove fully pard 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 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 lo use information on your check to make an electronic fund transfer from your account at the Financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or 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 60107-6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 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 con 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 dateg the 15th day of the month)that occurs before your Payment Due Date If your scheduled payment date Falls on o weekend or bank holiday, your payent will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing 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 carer an error in the processing of such payment You con cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421 5ah lake City, UT 841130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments moy vary in amount, we will toll you on each monthly bilking statement when your payment will be mode 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 (r) statement New Balance, (n) 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 I1 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 rhe periodic statement based on credit or payments after the Closing Date If yov enroll by phone in our automatic payment service, please filI.in the following blanks below and retain the authorization for your records Amount Full Pay LI Min Pay ❑ Min Pay + $ Fixed Pay$__ —.— Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment, 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 a inaccurate or incomplete. please write us at the following address Discover, PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose Interest Charges on all transactions from rhe 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 d 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 rs, purchases first appearing on the current billing statement, or any portion of new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period It is not le:: 25 days There is no grace period on balance transfers or cash advances As more full described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, d will be billed at the beginning of each anniversary year your Account is open The amount of the Fee appears on the statement when the Fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Cord during that period How We Calculate Interest Charges • Daily Balance Method )including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credit and payments and make other adjustments (including those adjustments required in the section titled "Paying Interest") In colculatine 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 ore the sum of the doily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add o new transaction as of the Transaction Dale shown on your billing statement, unless the transaction is paled to your Account after the close of the billing period in which d occurs, in which case the transaction will be added to the doily balance as of the first day of the billing period in which it is posted to your Account All fees charged to your Account ore 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. 11 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 mare offer 6 months, or os otherwise required by applicable low For TDD (telecommunications Device for the Deaf) assistance, please call 1.800-347.740. Discover moy 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 0tt5Kte2 30088288 DISC VER It pays to DISC VER WIWAM 1 CAIVERT Account number ending in 1713 page 3 of 3 Information For You You can't beat a day of fun at Six FIags)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 sixflogs com/drscover4for99 and purchase with your Discover(P) Card Also, use your cord at Six Flags and save 5% instantly- Discover, the official card of Six Flags Protect your purchases with a SquoreTrade Core PlanI Shop anywhere with your Discover Card and get your warranties through our preferred provider SquareTrade Please visit www dlscovercard com/protection•soluhons%warranty html for details Get cash at the checkout with your Discover card - take care of two errands at once and avoid transaction fees; To see details or find participating retailers, visit Discover com/cashover 30088288 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $1,432.11 WILLIAM) CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $43.00 Paymerit Due Date November 1, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet dyme its mut be made by 5 OOpm ET for same Y posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014321100000000004300 Opening Date: September 5, 2010 - Closing Date: October 4, 2010 Discover More Card Account Summary Account number ending in 171 3 Previous Balance Payments And Credits Purchases Balance Transfers Cosh Advances Interest Charged Fees Charged New Balance $1,438 81 4300 + 0 00 + 0 00 + 0 00 + 2367 + 12 63 $1,432 11 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available $1.500 00 $67 00 $800 00 $67 00 You may be able to avoid interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To koro rwre kra iii o! www.DiKOver.com Anniversary Month March $ 4 26 + 0 00 $ 4.26 3 Easy Ways to Contact Us I Access your account securely or www.Discover.com 2 Call 1.804DISCOVER (1-800.347.2683) Please have your Discovere card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Note payment address) For payments, please send to address on remittance or Discover, PC) Box 6103, Card Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1-800-347-7449 page 1 of 3 Payment Information New Balance $1,43211 Minimum Payment Due $43 00 Payment Due Date November 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using- this card and each month you pay You will pay off the balance shown on this statement in about .And you wit end up paying an estimated tdtol of . Only the minimum payment 8 years $2,554 $53 .3 years $1,916 (Savings = $638 ) f you would like information about credit counseling services, call 1-800347-1121 Manage Your Account Online at www.Discover.com Access free online toils like Paydown Planner to create o plan to pay down your balance, securely access statements, pay bills online and easily track oll transactions Make your money worth moresm ---find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Sep 29 Sep 29 INTERNET PAYMENT • THANK YOU $ -43 00 Fees 30088988 Interest Charged Oct 4 Oct 4 PAYMENT PROTECTION PPD I-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 12 63 12.63 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 23 67 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as It's available rather than wail for It to arrive In your mailbox. • Get helpful payment reminders through e -moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless ;:20 I C Dm.oves bank rMmhev FiY(. ?MIK OJ 10 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 23.67 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30088288 $ 129 77 244 85 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER tt pays io DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate (APR1 is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 19 99% V Cash Advances 24 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $1,441 67 30 INTEREST CHARGE 323 67 $0 Additional Important Information. See your Cardmember 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 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, Solt Lake City, UT 84130-0421 In your letter, give us the following information Accssmt 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 d is a mistake You must contact us within 60 Boys alter 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 hove to pay t ire amount in question While we investigate whether or not there hos been on error, the Following are true We cannot try to collect the amount in queshon, or report you as delinquent on that amount _ The charge in question may reniain 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 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. 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 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 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 i( 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 hove 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 os 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 al 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 nosh 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 of 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 cosh, correspondence or other items with your payment, if you send the payment lo 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, Card Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 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 bolance, over the telephone or you can setup automatic payments through a customer service representative by calking I-800-347.2683 Automatic payments will be deducted on the Payment Due Date unless you request o recurring payment dote (eg 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 bonk holiday In order to schedule monthly payments by telephone, you will need thus statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to ollow us and your bank to deduct eoch payment you authorize, in the amount se:ected by you, from your bonk account You also authorize us 10 Initiate debit or credit enh fes to your bank account, as applicable, to correct an error in the processing of such payment You con cancel.6 scheduled payment by phone at 1.800.347.2683 or by mod 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 moy vary in amount, we will tell you on eoch 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 5 law You can set automatic payments for (i) statement New Balance, 10 statement Minimum Payment Due, (in) stotement Minimum Payment Due plus a Fixed dollar amount, or Irv) 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 IFyour scheduled payment us 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 fil6un the following blanks below and retain the authorization for your records Amount ❑ Full Pay L Min Pay til Min Pay + $_- Q Fixed Poy$__—__... Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report n inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begun to impose Interest Charges on all transactions from the Transaction Date for the Transaction shown on your billing statement, unless a transaction us posted to your Account after the close of the billing period in which it occurs, in which case we begun to impose interest charges on that transaction from the first day of the billing period in which d 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 17,, purchases first appeoring on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing stotement We call thus 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 Agreement titled "How We Apply Payments," we generally apply payment to your Account based on the APR applicable to the balance of each transaction category This means that if you do not poi the New Balance on the current billing statement by the Payment Due Date shown on that billing stotement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the Fee appears on the statement when the fee is billed The annual fee is not refundable unless you ratify us that you wish to close your Account within 30 cloys of the moiling or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Cord during thot 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) We refer to these balances as transection categories We figure the "daily balance" for each transaction category To get the "doily bolance" we take the beginning balance For each day, odd ony 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 oil ustments required in the section titled "Paying Interest") In colculatrnc the daily balance for the first day of the billing period, we consider the "previous day's daily bolance" to hove 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 cokulate daily balances, we odd a new transaction as of the Transaction Dote shown an your bang statement, unless the transaction is posted to your Account after the close of the billing period in which i1 occurs, in which case the transaction will be added to the daily-bolance as of the first day of the billing period in which it is posted to your Account All fees charged to your Account ore 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 bolance 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 n open We will send you a refund of any remaining balance of SI 00 or more atter 6 months, or as otherwise required by applicable low For TDD (Telecommunications Device Tor the Deaf) assistance, please cal 1-800.347.7449. Discover racy monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover'bcard is issued by Discover Bank, Member FDIC 0116K 152 30088288 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 with your payment coupon to the address we provided on your statement This will help you ovoid 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 Need Cosh2 Whether it's for an unexpected bill or an emergency car repair, Discover(R) Cord can always help Get cosh at ATMs nationwide or have money deposited directly into your bank account Visit Discover com/cash to find out more Get cash at the checkout with your Discover cord - take core of two errands at once and avoid transaction fees) To see details or find participating retailers, visit Discover com/cashover 30088288 call1?8Mti E >3kt, k3t RMATION DISCOVER DISC VER New Balance S1,426.10 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due 543.00 Payment ent Due Vale December 1, 2010 Address, email or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below -- Pay online at www Discover com or make check payable to Discover Phone and internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014261000000000004300 Opening Date: October 5, 2010 - Closing Date: November 4, 2010 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credit: Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $1,432 11 4300 + 0 00 + 000 + 000 + 24 41 + 12 58 $1,426 10 See Interest Charge Calculation section following transaction for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $1,500 00 $73 00 $800 00 $73 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus'' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Tu ;mum puce i.m n, u+ www.Discover.com Anniversary Month March $ 4 26 + 0 00 $ 4.26 3 Easy Ways to Contact Us I Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1.800.347.2683) Please have your Discover card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 1l 60197.6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1-800-347-7449 page 1 of 3 Payment Information New Balance $1,42610 Minimum Payment Due $43 00 Payment Due Date December 1, 2010 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Wamfng: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example if you make no additional charges using this card and each month you pay You will pay off the balance shown an this statement in about And you will end up paying an estimated total of . Only the minimum payment 8 years $2,539 $53 3 years $1.908 (Savings = $631 ) f you would like information about credit counseling services, call 1.800-347-1121 Manage Your Account Online at www.Discover.com Access free online toils like Paydown Planner to create a plan to pay down your balance, securely access statements. pay bills online and easily track all transactions Make your money worth moresm--find easy ways to earn and redeem cash rewords NE WI Access your account securely through your mobile phone Transactions Trans. Date Payments and Credits Nov 1 Post Date Nov 1 INTERNET PAYMENT - THANK YOU $ -43 00 Feet 30088288 Interest Charged Nov 4 Nov 4 PAYMENT PROTECTION PPD 1.877.883-1959 TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 12 58 12.58 $ 24 41 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloodable. password protected statements • See your statement os soon as it's available rather than wart 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/paperless 8°.201 i! Dn::nre! bunt Irranbe Kyr: PAYER CEJ i0 Transactions (cont.) interest Charged Trans. Post Date Date INTEREST CHARGE ON BALANCE TRANSFERS $ 000 TOTAL INTEREST FOR THIS PERIOD 24.41 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30088288 $ 141 35 269 26 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER' h pays ro DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rafe (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUALTPPERCENTAGE BALANCEINTERESRATE ECT TO INTEREST CHARGE Purchases 19 99% V $1,438 38 $24 41 Cash Advances 24 99% $0 $0 V = Variable Rale Additional Important Information. See your Cardmember AgreemenL Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1.800.347.2683. What To Do K You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us of Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information AS5.9u t inE9,ym�ft Your name and account number Dollar amount The dollar amount of the suspected error Qescnphon 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 Boys 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 hove to pay thie amount in question While we investigate whether or not there hos been an error, the Following are true We cannot try to collect the amount in question, or report you as delinquent on thot amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mode a mistake, you wiil not hove to pay the amount in question or any interest or other fees related t0 that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We con 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 Not Neither of these are necessary if your purchase was based 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 advance: from on ATM or with o check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above ore met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we hnish our investigation, we will tell you our decision At that pont, If we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay of least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash 8 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 4 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 30088288 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that doe; 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 le g , the 15th day of the month) that occurs before your Poyment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment wit be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing 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 1.800347.2683 or by mad at Discover, PO Box 30421 Solt 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, (n) statement Minimum Payment Due, (111) stotement Minimum Payment Due plus o fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly 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, ony 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 Dote If you enroll by phone in our automatic payment service, please fain the following blanks below and retain the authorization for your records 0 Amount 0 Full Pay L Min Pay Min Pay + $ Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting, We moy report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account moy be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850. 316 Please indicate your name, address, home telephone number and Account number Paying interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless o 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 poy 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 he 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 stotement, or any portion ot a new purchase, paid by the Payment Due Date on your current billing statement We call this the 'grace period 11 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 Agreement 'ruled "How We Apply Payments," we generally apply pas/men to your Account based on the APR applicable to the balance of each transaction category This means that it you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing stotement, then, depending on the amount of your payment and the APRs on other balances, you moy not get a grace period on new purchases Annual Fee. If your Account has an annual Fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Card during that period How We Calculate Interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cosh 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 ony 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 cokulatine the daily balance for the fest day of the billing period, we consider the "previous day's doily balance" to have been your balance on the lost day of your previous billing period This gives us the doily balance for each transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period The total Interest Charges for the billing period are the sum of the doily 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 Transection Date shown on your bill ng statement, unless the transaction is posted to your Account after the close of the billingpenod in which d 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 cotegory 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 (Tetsce nnrsnicatioes Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls behveen you and Discover representatives for quality assurance purposes The Discover`bcard is issued by Discover Bank. Member FDIC 011Gx u&2 30088288 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 o check with your payment coupon to the address we provided on your statement This will help you ovoid additional interest charges and/or late payments, as it con 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 Exclusives NO purchase fee on Discover gih cardsi Use code FREE at DiscoverGiftCord com by 12/31/10 when you place your order ($3 95 value per card) Not applicable to residents of CO, HI, ME, NJ, TN and VT A $2 50 per mo servicing fee applies after 12 mos of nonuse after activation unless prohibited by law (c)2010 Discover Bank, Member FDIC 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 30088288 5WAreifOrploWlygi,RMATION DISCOVER' DISC VER' New Balance $1,426.10 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due: $0.00 Payment Due Date January 1, 2011 Address, email or telephone chonge2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below If sending payment, please pay online www Discover com or make check payable to Discover PO BOX 71084 CHARLOTTE NC 28272.1081 000001986456454272014014261000000000000000 Opening Date: November 5, 2010 • Closing Date: December 4, 2010 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fee: Charged New Balance $1,426 10 000 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $1,426 10 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,50000 $73 00 $800 00 $73 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Cashback Bonus' Anniversary Month March Opening Cashback Bonus Balance $ 4 26 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 4.26 Tu kin, mum b , :,, r,i www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.cem 2 Call 1.800 -DISCOVER (1.800.347-2683 Please have your Discovers card available 3 Write to us et Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 11 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800347-7449 page 1 of 3 Payment Information New Balance $1,426 10 Minimum Payment Due $0 00 Payment Due Date January 1, 2011 Late Payment Warning: IF we do not receive your minimum payment by the date fisted above, you may have to pay a late fee of up lo $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using, this card and each month you pay 'You will pay df the balance clrown .on this statement ;in about And you will end up paying an 'estimated total of . Only the minimum payment 8 years $2,540 $53 3 years $1.908 (Savings = $632 1 ( you would like information about credit counseling services, call 1-800.347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores— -find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Trans. Post Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD 0.00 2800$891$Year-to-Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 $ 141 35 269 26 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement es soon us it's available rather than wait for it to orrive ,n 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/paperless ..2011: a.e: rn5r tiw i tJ mo* r 30088288 PAPER 0310 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683. DISCOVER DISC VER' II pays ro DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual Interest rale an your account Current Baling Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE INTEREST SSUBE ECT TO INTEREST CHARGE RATE (APR) RAT Purchases 10 99% V SO SO Cash Advances 24 99% SO SO V = Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost sir stolen cords. Report immediately' CaII 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, gwe us the following information Account.thimakan Your name and account number Dollar amount The dollar amount of the suspected error Description of P.,ro_blern If you think there is an error on your bill, describe what you believe is wrong and why yov believe il it a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors n wntina 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 hos 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 hove to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights 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 corect 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 550 (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 cord for the purchase Purchases made with cash advances from an ATM or with a check that occesses 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 wwriting of 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 hnish 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 lop portion of this stulemeni in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial mstitvtion 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 lose information from your check 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 tend the payment to any other address or if you use an envelope other Than the one provided Payments received in proper form at our processing facility by 5PM local lime on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next doy 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 it returned unpaid, we reserve the right to resubmit i1 as an electronic debit 30088288 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 con 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 gthe 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date Falls on a weekend or bank holiday, your payment will be processed the business 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 informanon You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each 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 1.800347.2683 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 pament If your payments moy 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 fund: 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, (11) statement Minimum Payment Due, (rn) 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 os 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 greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Bolonce Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Cbsing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount Full❑Pay Min Pay ❑ Min Pay + ❑Fixed Poy$ Bank Routing # Bank Account # Frequency Credit Reporting. We moy 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 narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, fame telephone number and Account number Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless o transaction rs posted to your Account after the dose of the billing period in which it occurs, in which case we begin to impose intere,t 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 mak in_g payments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due fate shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period Itis not lthan 25 days There is no grace period on balance transfers or cash advances As more full described in the section of your Cordmember Agreement tilled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each tronsaction 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 o grace period on new purcases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the Fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee 0 billed You will receive this refundbven if you use your Cord during thot 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 promotionalterms)We refer to these balances os transaction categories We figure the "daily balance" for each transaction category To get the "doily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract 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 lost 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 muhiplying the daily balance For each transaction category by its daily periodic rote, for each day in the billing period The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we odd o new transaction as of the Transaction Date shown on your biling statement, unless the transaction is posted to your Account after the dose of the billing period in which d 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 hansochon 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 offer 6 months, or as otherwise required by applicable law For TDD (Telecommunications Devke 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 Discovercard is issued by Discover Bank, Member FDIC DI15K'52 30088288 Questions? visit www.Discover.com or colt 1.800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER Information For You Since you have activated your Discover(R) Payment Protection benefits, there is no minimum monthly payment due, Interest Charges, tote fees or Payment Protection monthly fees 30088288 giniVRA Ri3�8d f JRMATION DISC•VER DISC VER New Balance $1,426.10 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due. $0.00 Payment Due Date February 1, 2011 Address, e -moil or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below If sending payment, please pay online www Discover com or make check payable to Discover PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014261000000000000000 Opening Date: December 5, 2010 - Closing Date: January 4, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees, Charged New Balance $1,426 10 0 00 + 0 00 + 000 + 000 + 0 00 + 0 00 $1,426 10 See Interest Charge Calculation section following honsochons for detailed APR information Credit Line Credit Lme Available Cash Advance Credit Line Cash Advance Credit Line Available $1,50000 $73 00 $800 00 $73 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Cashback Bonus"' Opening Cashback Bonus Balance New Coshback Bonus This Period Cashback Bonus Balance iu innn mute log ,nut www.Diecover.com Anniversary Month March $ 4 26 + 000 $ 4.26 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I.800 -DISCOVER (1.800347.2683) Please have your Discoverescard available 3 Write to us of Discover, PO Box 30943, Salt lake City. UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, Il 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449 page 1 of 3 Payment Information New Balance $1,426 10 Minimum Payment Due $0 00 Payment Due Dote February 1, 2011 Late Payment Warning: 11 we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up lo $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges usingthis card opd each month you pay You will pay off the balance shown .on this statement in about And you will end up paying on esirmoted tote( of . Only the minimum payment 8 years $ 2,539 $53 3 years $1'908 (Savings = $631 ) f you would like information about credit counseling services, call 1-800.347,112 I Manage Your Account Online at www.Discover.com Access free online toils like Paydown Planner to create a plan to ay down your balance, securely access statements. pay bulb online and easily track all transactions Make your money worth more SY--find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Trans. Post Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 28008898$Year-to-Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 $ 000 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected stotements • See your statement os soon os it's ovolloble rather than wait for it to arrive 1n your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless ?.201�e.nus. Cavi m!. -m n:. 11)C ?APER O310 30088288 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800.347-2684 DISCOVER' DISC VER UM, ro DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Baling Period: 31 days TYPE OF BALANCE ANNUALE PERCENTAGE R) Purchases 19 99% V Cash Advances 24 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $0 $o INTEREST CHARGE s0 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 City, UT 841300421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description ._f_F1s241er9 If you think there is an error on your bill, describe what you believe is wrong and why you believe it rs a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errorsy) writing You may call us, but if you do we are not required to investigate any potential error: and you moy have to pay the amount in question While we investigate whether or not there hos 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 mode a mistake, you wnl not have to poy the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights 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 marling 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 same rules apply to the disputed amount as discussed above After we knish 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 an delinquent Payments. You may pay all or port of your Account balance al any time However, you must pay at least the Minimum Payment Due by the Payment Due Dale Send only your payment and the top portion of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use Information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transection 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 doy 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 lo 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 SPM local time will be credited to your Account as of the next day If you have misplaced your envelope. send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Yov 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 ouiomatrc payment; 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 (en, the 15th day of the month) that occurs before your Poyment Due Date If your scheduled payment dale Falls on a weekend r bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your elec romc signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount seeded 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, LJT 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 L15 law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (in) statement Mrmmum Payment Due plus o fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due os listed on your monthly bulking statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment us greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement Iryour sc.heduled 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 fid -in the following blanks below and retain the authorization for your records Amount ❑ Full Pay El Min Pay E. Min Pay + S_ ,__ ..._ ❑ Fixed Pay$___ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus late payment,missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report IT inaccurate or incomplete, please write us at she following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose Interest Charges on all Transactions from the Transaction 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 pard the New Balance on your previous billing statement by the Payment Due Date shown on That billing statement, we will not impose Interest Charges on new purchases. that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the 'grace period It is not less than 25 days There is no grace 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 transaction category Thus means that iiF you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee, If your Account has an annual fee, d will be billed at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual Fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is bulled You will receive this refund even if you use your Cord during that period How We Calculate Interest Charges • Daily Balance Method Including current transactions): We figure Interest Charges for each bulling 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 os transaction categories We figure the "daily balance" for each transaction category To get the "doily balance" we take the beginning balance for each day, add ony new transactions and fees and any Interest Chorges 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 colculatme the daily balance for the First day of the billing period, we consider the "previous day's daily balance" to hove 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 bulling period The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category For each doy 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 penod in which d occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period m which au: 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 hos a credit balance, the amount it 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 o refund of any remaining balance of $1 00 or mare offer 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 Discoverecard is issued by Discover Bank, Member FDIC olicK192 30088288 Questions? visit www.Discover.com or coil 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER Information For You Since you have activated your Discover(R) Payment Protection benefits, there es no minimum monthly poyment due, Interest Charges, lote fees or Payment Protection monthly fees 30088288 grOnkg RMATION DISCOVER DISC VER New Balance $1,426.10 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due, $0.00 Payment Due Date March 1, 2011 Address, e-mail or telephone chonge2 Go to www.Dis over,com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below $( If sending payment, please pay online OD www Discover com or make check payable to Discover PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014261000000000000000 Opening Date: January 5, 2011 • Closing Date: February 4, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,426 10 0 00 + 0 00 + 0 00 + 0 00 + 0 00 + 0 00 $1,426 10 See Interest Charge Calculation section following transochons for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $1.500 00 $73 00 $800 00 $73 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' • Anniversary Month March Opening Cashback Bonus Balance $ 4 26 New Coshback Bonus This Period + 0 99 Cashback Bonus Balance $ 5.25 Ta burn rome 4,p n, 4.11 www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call l -800 -DISCOVER (1.8001 47.2683) Please have your Discover® card available 3 Write to us of Discover, PO Box 30943, Solt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,426 10 Minimum Payment Due $0 00 Payment Due Date March 1, 2011 Late Payment Warning: If we do not receive your minimum payment by the dab listed above. you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no addihanal charges using: this cord and each month you pay 'You will pay off the balance shown on this statement :in about And you will end up paying an estrmated total of - Only the minimum payment 8 years $2,538 $53 3 years $1.903 (Savings = $630 ) f you would like information about credit counseling services, call 1-800347-1121 Manage Your Account Online at www.Discover.com Access free online tads like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more SM--- find easy ways lo earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Trans. Post Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 28001189 $Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 $ 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Eostly access up to 24 months of downloadable, password protected statements • See your stotement os soon os it's available rather than watt for tt to orrive in your mailbox. • Get helpful payment reminders through e -mod or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless 4:201 11un4 r.S'.nb< FO'C, ?n PER OJ 10 30088288 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER 1l pct's to DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rale on your account Current Billing Period: 31 cloys TYPE OF BALANCE ANNUALTtPERCENTAGE BALANCEISUBJECT TO INTEREST CHARGE E Purchases 10 00% V $0 $0 Cash Advances 24 99% $0 $0 V . Variable Rate Information For You Your Discover(R) Payment Protection benefits are now active Once your benefit activation period ends, product fees, late fees. minimum payment and Interest Charges will resume Your APRs prior to benefit activation will apply subject to any promo rate terms See the interest Charge Calculation section For details 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 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 believer 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 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 hos been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in 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 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 ore dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with 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 hove been more than $50 (Note Neither of these are necessary if your purchase was based an 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 cord far the purchase Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us tit waling at Discover, PO Box 30945, Solt Lake City, UT 841300045 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 al 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 may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, it you 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, Card Stream, IL 601076103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 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 I-800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e g , the 15th doy of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing 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 carer: on error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO 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 sell you on each monthly billing statement when your payment will be made and how much it will be You must ensure Mot sufficient funds are available in your bank account, and all transactions must comply with U $ law You can set automatic payments for (i) ;fatement New Balance, (n) statement Minimum Payment Due, Or) 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 rhe scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than rhe amount indicated on the periodic statement bused on credits or payments ager 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 D Full Pay Li Min Pay El Min Pay + $ __..._.._._.. �, ❑ Fixed Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments,missed payrnenis, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report rs inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on o 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 con avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") 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 or any portion of a new Purchase. paid by the Payment Due Date on your current billing statement New Purchases ore Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each boiling period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such os Balance Transfers How We Figure the Dally Balance for Each Transection Category We start with the beginning balance for each dayThe beginning balance for the first day of the billing period is your balance on the fast day of your previous billng period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transooions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the doily balance for each Transaction Category by its doily periodic rote We do this for each day in the billing period Thrs gives us the interest charges for each Transaction Category To get a daily periodic rata, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standai d 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 0 money that is owed to you You may make charges against this amount if your Account is open We will sand you a refund of any remaining balance of $ 1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovermcard is issued by Discover Bank, Member FDIC 30088288 RZNrevur Questions? visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800.347.2683). DISCOVER' DISC VER New Balance Minimum Payment Due $1,358.57 $41.00 Payment Due Date April 1, 2011 WILLIAM J CALVERT . PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change2 Go to www.Discover,com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below s Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 00pm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014013585700000000004100 Opening Date: February 5, 2011 • Closing Date: Mardi 4, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credit: Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,426 10 10000 + 0 00 + 0 00 + 0 00 + 1198 + 20 49 $1,358 57 See Interest Charge Calculation section fallowing transactions for detailed APR information Credit line $1,500 00 Credit line Available $141 00 Cash Advance Credit Line $800 00 Cosh Advance Credit Line Available $141 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashbock Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To ream nw:e log m m www.Diwover.com Anniversary Month March $ 5 25 t 0 02 $ 5.27 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1.800.347.2683) Please have your Discover (y card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover. PO Box 6103, Carol Stream, 11. 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information NevBalance $1,358 57 Minimum Payment Due $41 00 Payment Due Date April 1, 2011 Late Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a lute Fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and 1 will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will pay off the balance chawn do INS statement in about .And you will end up paying an estimated total of • Only the minimum payment 8 years $2,389 $50 3 years $1,818 (Savings = $571 ) f you would like information about credit counseling services, call 1-800.347-1121 Manage Your Account Online at www.Discover.com Access Free online tads like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mon: w- -find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Feb 28 Feb 28 INTERNET PAYMENT • THANK YOU $ •100 00 Fees .3005151288 Interest Charged INTEREST CHARGE ON PURCHASES $ 20 49 INTEREST CHARGE ON CASH ADVANCES 000 Mar 4 Mar 4 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 11 98 11.98 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 rt to arrive 1n your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless V2010 7o:,wPr Hunt Mombef NYC FAP1R 0710 Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON BALANCE TRANSFERS S 0 00 TOTAL INTEREST FOR THIS PERIOD 20.49 2011 Totals Year -to -Date 30088288 TOTAL FEES CHARGED IN 2011 $ 11 98 TOTAL INTEREST CHARGED IN 2011 20 49 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-26831. DISCOVER' DISC VER It pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate CAPRI is the annual interest rate on your account Current Billing Period: 28 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 19 99% V Cada Advances 24 99% V e Variable Rale BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $1,335 95 $20 49 $o $0 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 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 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 writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore 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 mode 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 Arc 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 al the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current marling 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 I 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 on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you outhorize 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 os 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 io any other address or if you use an envelope other than the one provided Poyments received in proper form of our processing facility by 5PM local time on ony day will be credited to your Account a; 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 os an electronic debit 30088288 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 g , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment dale 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 (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit enh les to your bank account, as applicable, to correct an error in the processing of such payment You can cancel o scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Soh lake City UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all rronsocttons must comply with U 5 law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (iii) stotement 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 os listed on your monthly bilking statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is realer than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your 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 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 L Min Pay r: Min Pay + 3____.____..__—, t. i Fixed Pay$_... Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment, missed payments, or other defaults on your Account may be reflected in your credit report We normolly report the status and payment history of your Account to credit reporting agencies eoch month Ifou believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You con 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"( 1f you paid the New -Balance on your previous billing statement by the Payment Due Dote shown on that billing statement. we will not impose interest charges on new. Purchases or any portion of a new Purchase. paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance' for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances. such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We 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 doily 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 o daily periodic rate, we dividdee 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 Caregory Balance Subject to Interest Rate. Your statement shows a Balance Sublect to Interest Rote It shows this For each tronsoction category The Balance Subject to Interest Rate is the average of.the daily balances during the billing period Credit Balances. If your Account hos 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 dny remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable jaw 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 RLNr WOO 30088288 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance 51,416.03 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due. $42.00 Payment Due Dote May 1, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below $1 1 Pay online at www Discover com or make check payable to Discover Phone and Internet payment must be made by 5 OOpm ET For same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014160300000000004200 Opening Date: March 5, 2011 ; Closing Date: April 4, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cosh Advances Fees Charged Interest Charged New Balance $1,358 57 50 00 + 71 52 + 0 00 + 0 00 + 12 49 + 23 45 $1,416 03 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,50000 $83 00 $800 00 $83 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Cashback Bonus Anniversary Month March Opening Cashback Bonus Balance $ 5 27 New Coshback Bonus This Period + 0 21 Cashback Bonus Balance $ 5,48 To ieum mine bg :0 u+www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1.800•DISCOVER (1.800.347.2683) Please have your Discovery card available 3 Write to us of Discover, PO Box 30943, Solt Lake City, UT 84130 (Nota payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 00197-61 03 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449 page 1 of 2 Payment Information New Balance $1.41603 Minimum Payment Due $42 00 Payment Due Date May 1, 2011 late Payment Warning: If we do not receive your minimum payment by the date fisted above. you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be Increased up to the Penally APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance For example If you make no additional charges using This card and each month you pay You will pay df the balance shown 'on this statement in about And yOu will end up paying an esttmyted total of . Only the minimum payment 8 years $2,519 $53 3 years $1,894 (Savings = $625 ) f you would like information about credit counseling services, call 1.800.347-1121 Manage Your Account Online at www.Discover.com Access free anlrne toils like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm —find easy ways to earn and redeem cash rewards NEW I Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Dote Date Mar 31 Mar 31 INTERNET PAYMENT • THANK YOU $ -50 00 Merchandise 30088288 Fees Mar 25 Mar 29 Apt 4 Mar 25 JOSEPH JAMES JEWELERS MECHANICSBURGPA $ 27 56 Mar 29 WINE & SPIRITS 21 1 1 ENOLA PA 43 96 Apr 4 PAYMENT PROTECTION PPD 1.877.883•I959 $ 12 49 TOTAL FEES FOR T1115 PERIOD 12.49 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 wail 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 E20i_D..;.,,..,bur1: r.wb.lrye. RAPU1C,7is Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 23 45 000 000 23.45 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30088288 $ 24 47 43 94 Questions? Visit www.Discover.com Or call 1.800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER Ir pays ro DISC VER WILLIAM J CALVERT Account number ending in 1713 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 RATE { L PERCENTAGE ) BALANCE LANG AE SUBJECT TO INTEREST CHARGE Purchases 1999% V $1,381 46 $2345 Cash Advances 24 99% $0 $0 V = Vartable Rale Information For You ""ATTENTION - Please note that your PAYMENT DUE DATE will change on statements you receive after May 1, 2011 Your new Payment Due Date will be MAY 28, 2011 Please note that your current Payment Due Date is printed at the top of the first page of your statement Please note your due date will be at least 25 days after the close of each billing period (at least 23 days after the close of billing periods that begin in February( Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call I-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 whot 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 call us, but if you do we are not required to investigate any potentiol errors and you may hove 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 on that amount But, if we determine that we made a mistake, you will not have to poy 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 cord, and you hove tried in good faith to correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 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 marled lo 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 hove 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, Sall Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we knish 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 Ilse 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 cosh, 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, Card Stream, IL 60197.6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 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 gthe 1 Sth day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on o 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 (4) digits of the social security number of the primary borrower By providing those number, 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 corer: an error in the processing of such payment You can cancel o 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 ore available in your bank accourr, and all transactions must comply with U 5 law You can set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (in) 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 os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment 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 alter 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 r] Full Pay L_ I Min Pay ❑ Min Pay + $ Fixed PoyS Bank Routing # Bonk Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credtt report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on transaction, fee or interest charge from the day we add r 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 Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the NewBolonce 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 hrst appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transection Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances. such as Balance Transfers How We Figure the Daily Balance forlach 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 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 ad(ustments 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 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 Tran -,action Category by 365 We odd up all the doily interest charges The sum rs the total interest charge for the billing period How We include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We odd Cosh Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rote. 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 cal 1-800-347-7449. Discover may monitor artd%or record telephone calls between you and Discover representatives for quality assurance purposes The Discovere`'card is issued by Discover Bank, Member FDIC Itt'vrwui 30088288 Questions? Visit www.Dlscovor.com or call 1 -800 -DISCOVER (1-800-347.2683). DISCOVER` DISC VER' New Balance Minimum Payment Due: 51,400.19 542.00 Payment Due Date May 28, 2011 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending m 1713 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments mud be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272.1081 00000)986456454272014014001900000000004200 Opening Date: April 5, 2011 - Closing Date: May 2, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credit: Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance 51,41603 5000 + 000 + 000 + 000 + 12 35 + 21 81 51,400 19 See Interest Charge Calculation section following hansachons for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $1,50000 $99 00 5800 00 $99 00 You may be able to ovoid Interest Charges, see Additional Important Information for details Cashback Bonus Opening Coshback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To burr ma,e log men www,Discover.com Anniversary Month March $ 5 48 + 003 $ 531 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.com 2 Call 1.800 -DISCOVER (1.800.347.2683) Please have your Discovers" cord available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1.800-347-7449 page 1 of 2 Payment Information New Bolance 51,400 19 Minimum Payment Due 542 00 Payment Due Date May 28, 2011 Late Payment Warning: If we do not receive your minimum payment by the date fisted above. you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning; If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this cord apcl each month you pay You will pay off the balance shown .6n this statement in abxut And you will end up paying en Qstrntoted total of . Only the minimum payment 8 years $2,483 552 3 years $1,873 (Savings = 5610 ) 1 you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily Crock all transactions Make your money worth mores"' ---find easy ways to earn and redeem cash rewards NE Wt Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits May 1 May 1 INTERNET PAYMENT • THANK YOU $ -50 00 Fees 30088288 May 2 ' -May 2 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR T1-115 PERIOD $ 12 35 12.35 Interest Charged INTEREST CHARGE ON PURCHASES $ 21 81 INTEREST CHARGE ON CASH ADVANCES 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess 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 wail for it to arrive in your mailbox. • Get helpful payment reminders through a -moil or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discaver.com/paperless V20 ti D :over buoL M FO!( ?MIR '0:1:0 Transactions (cont.) Trans. Post Date Date Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 000 TOTAL INTEREST FOR THIS PERIOD 21.81 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 $ 36 82 TOTAL INTEREST CHARGED IN 2011 65 75 30088288 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER WILLIAM! CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rote (APR( is the annual interest rote on your account Current Billing Period: 28 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 19 99% V Cash Advances 24 99% V = Variable Rate BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $1,422 97 $0 $21 81 $0 Information For You "ATTENTION - The day of the month that your payment is due has changed Your new Payment Due Date is printed at the top of the first page of your statement Please note your due dote will be at least 25 days after the dose of each billing penod except that it will be at least 23 days after the dose of each billing period that begins in February 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 City, UT 84130-0421 In your letter, give us the following rnformahon Account information Your name and account number Doliar 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 writing You may call us, but if you do we are not required to investigate any potential eras and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Cord 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 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 o check that accesses your credit cord 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, 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 of least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cosh By sending your check as described above. you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund frontier, the transfer will be for the amount of the check When we use information from your checkto make an electronic fund transfer, funds may be withdrawn from your account 05 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 will be credited to your Account as of that day Payments received at our processing facility after SPM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream. IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the nght to resubmit it as an electronic debit 30088288 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 con 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 1 Sth 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 (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authoize us to initiate debit or credit entrees to your bank account, as applicable. to correct an error in the processing of such payment You can cancel o scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt lake City, UT 84130.0421. however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (urs) statement Minimum Payment Due plus o fixed dollar amount, or (Iv) a fixed dollar amount If your scheduled fixed payment is no' enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment For that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill•in the following blanks below and retain the authorization for your records Amount ❑ Full Pay I ' Min Pay ❑ Min Pay + S.._..._ _...___........, � Fixed Pays...._ _.... Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment, 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 eoch month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on o transaction fee or interest charge From the day we add r: to the daily balance We continue to impose interest charges until you pay the total amount you owe us You con avoid paying interest on Purchases as described below However, you connot avoid paying Interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") 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 or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring 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 beginning balance for each day The beginning balance for the first doy of the billing period is your balance on the last day of your previous balling 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 doily balance for each Transaction Category by its daily periodic rate We do This for each day in the billing period This gives las the interest charges For each Transaction Category To get o daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge For the bulling period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We odd Cosh 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 o Balance Subject to Interest Rote It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account hos o credit balance, the amount is shown on the front of your billing statement A ciedn 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 os 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 R!NF LOU I 30088288 Questions? visit www,Dlscover.com or call 1 -800 -DISCOVER (1-800.347-2683). DISCOVER DISC VER" New Balance $1,427.62 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $43.00 Payment Due Dale June 28, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Pay online of www Discover com or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-108h 000001986456454272014014276200000000004300 Opening Date: May 3, 2011 - Closing Date: June 2, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,400 19 42 00 + 33 00 + 0 00 + 0 00 + 12 59 + 23 84 $1,427 62 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500 00 $72 00 $800 00 $72 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Tu learn n, 'e krl m m www.Discover.com Anniversary Month March $ 551 + 011 $ 5.62 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.com 2 Call 1.800 -DISCOVER 11.800.347.2683) Please hove your Discovers cord available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449 page 1 of 2 Payment Information New Balance $1,427 62 Minimum Payment Due $43 00 Payment Due Date June 28, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this cord and each month you pay You will payoff the balance shown an this statement ,M about And you will end up paying an estimated tato{ of • Only the minimum payment 8 years $2,541 $53 3 years $1,910 (Savings = $631 ) f you would like Information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online Cods like Paydown Planner to create a plon to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more s^ _find easy ways to earn and redeem cash rewards NE WI Ac6e4s your account securely through your mobile phone Transactions Trans. Pod Date Date Payments and Credits May 24 May 24 INTERNET PAYMENT - THANK YOU $ -42 00 Restaurants May 28 May 28 PIZZA GRILLE 2 CAMP HILL PA $ 3300 X088288 Jun 2 Jun 2 PAYMENT PROTECTION PPD 1.877.883.1959 TOTAL FEES FOR THIS PERIOD $ 12 59 12.59 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean Iess clutter, more convenience Easily access up to 24 months of downloadable. password protected statements • See your statement as soon os it's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through a -mod or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today of Discover.com/paperless 220 i 0 Om...! bunk e.Nom'uv FJK ?AF1R WI 0 Transactions (cont.) Merest Charged Trans. Post Date Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 23 84 0 00 000 23.84 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30088288 $ 49 41 89 59 Questions? Visit www.Discover.com or cull 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER If pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 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 ANE AL PERCENTAGE (APR) INTAE TERSAUBJECT TO INTEREST CHARGE RAPurchases 19 99% V $1,404 56 $23 84 Cash Advances 24 99% $0 $0 V = Variable Rale Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cords. Report immediately' Cah 1.800-347.2681 What To Do 1f 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 writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount In question While we investigate whether or not there has been an error, the Following ore true We connot 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 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 ore dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the nght 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 marling address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advenisement we mailed to you , or if we own the company that sold you the goods or services 1 2 You must have used your credit card for the purchase Purchases mode 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 CIN, 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 os 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 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 payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we -receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other sterns 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 of 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 os an electronic debit 30088288 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 dote (e g , the 15th day of the month) that occurs before your Poyment Due Dale 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 (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each 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 o scheduled payment by phone at 1.800-347.2683 or by mail at Discover, PO Box 30421, Salt take City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment 1f your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much 1 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, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o laxed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover she 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 r. greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement Iiyour 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 till -in the following blanks below and retain the authorization for your records Amount El Full Pay Min Pay r] Min Pay + $__ Li Fixed PayS..___.........__.__. Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover', PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name; address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o 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 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") If you paid the Newt °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 o new Purchase, paid by the Payment Due Date on your current billing statement New Purchases ore Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first ngunng the "doily 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 Daffy 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 Test 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 odiustments (rnduding 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 Transection Category We odd Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standaid Purchase Transaction Category . , Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rate It shows this for each transection category The Balance Subject to Interest Rote is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $ 1 00 or more after 6 months, or as otherwise required by applicable law For TDD (telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and%or record telephone calls between you and Discover representatives for quality assurance purposes The Discovermcard is issued by Discover Bank, Member FDIC itLN't:oo 1 30088288 Questions? Visit www.Dlscovor.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance 51,42047 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due 542.00 Payment Due Date July 28, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below sr Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET For same day posting PO BOX 71084 CHARLOTTE NC 28272-108c 000001986456454272014014206700000000004200 Opening Date: June 3, 2011 - Closing Date: July 2, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance 51,427 62 4300 + 0 00 + 0 00 • 0 00 + 12 53 + 23 52 $1,420 67 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit line Available 51.500 00 57900 580000 $79 00 Cashback Bonus" Opening Cashback Bonus Bakance New Cashback Bonus This Period .. Cashback Bonus Balance To Icor, mo.e log m o, www.Discover.com Anniversary Month March $ 5 62 + 0 00 $ 5.62 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Discover'vcard available 3 Write to us at Discover PO Box 30943, Solt Lake City, UT 84150 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 11. 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,420 67 Minimum Payment Due $42 00 Payment Due Date July 28, 2011 Late Payment Warning: If we do not receive your minimum payment by the dote listed above. you may hove to pay a tote fee of up to $35 00 and your purchase and balance transfer APRs for new Transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance For example If you make no additional charges using, this card and each month you pay You will poy off .the balance shown On this statement in about And you will end up paying an estimated total of . Only the minimum payment 8 year; $2,528 553 3 years $1'901 (Savings = $627 ) f you would like Information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, poy bilis online and easily track all transactions Make your money worth more s" —find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jun 28 Jun 28 INTERNET PAYMENT • THANK YOU -43 00 Fees Jul 2 Jul 2 PAYMENT PROTECTION PPD 1-877.883-1959 $ 12 53 TOTAL FEES FOR THIS PERIOD 12.53 Interest Charged 30088288 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 23 52 0 00 0 00 23.52 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean Less clutter, more convenience Easily eccess up to 24 months of downloodable- password protected statements • See your stotement as soon as it's available rather than wait for it to arrive in your mailbox. • Gel helpful payment reminders through a -moil or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless ane I r) Owcrrve: burl: 1flba FJK_ APLPAPLitti7IU 2011 Totals Year -to -Dote TOTAL FEES CHARGED IN 2011 S 61 94 TOTAL INTEREST CHARGED IN 2011 113 11 30088288 Questions? visit www.Discoveneom or call 1.800 -DISCOVER (1-800-347.2683(. DISCOVER DISC VER n pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRI is the annual interest rote on your account Current Billing Period: 30 days TYPE OF BALANCE ANTE (L PERCENTAGE Purchases 19 49% V Cash Advances 24 99% V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $1,431 82 $0 INTEREST CHARGE $23 52 $0 Additional Important Information See your Cardntember 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 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 Descnption 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 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 hos been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in 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 queshon. 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 0 you ore dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with 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 malting 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 theurchase Purchases made with cash advances from an ATM or with a check that accesses your credit cord accountdonot qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still di ssatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Solt lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount os discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe on °mount and you do not pay we may report you os 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 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 03 to use information on your check to make an electronic fund transfer from your account al the financial institution indicated on your check or to process the payment os a check transaction 11 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 send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by SPM local time on any 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, Card Stream, IL 60197.6103 Please allow 7-10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 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 dole (e gthe 1 Sth doy 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 (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount seected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You con cancel a scheduled payment by phone at 1.500.347.2683 or by mod at Discover, PO Box 30421, Soh Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available m your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (ti) statement Minimum Payment Due, fin) 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 os listed on your monthly baling 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 IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the 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 L_.1 Amount Full Pay LJ Min Pay ❑ Mn Pay + $_ , El Fixed Poy$____..........._ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus late payment, 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 reporhng agencies each month If you believe that our report is inaccurate or incomplete, please write us at rhe Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on transaction, fee or interest charge from the day we add it lo :he daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the NewBalance on your previous billing storement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase. paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Merest Charges • Day 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 Dally 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 tronsaceons 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 rote We do this for each day in the billing period This gives us the merest charges for each Transaction Category To get a daily periodic rare, we divide the APR that applies to the Transaction Category by 365 We odd 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 Transection Category We add all other fees to the standai d 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 hos a credr balance, the amount is shown on the front of your billing statement A credit balance is money rhat is owed to you You may make charges against this amour if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or os otherwise required by applicable law For TDD (Telecommunications Device for etre 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 GNI not 30088288 Questions? Visit www.Dlscover.com or call 1.800 -DISCOVER (1-800.347.2683). DISC•VER DISC VER New Balance S1,429.23 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $43.00 Payment Due Date Auyuct 28, 2011 Address, email or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet dpayments must be mode by 5 OOpm ET for same Y poshng PO BOX 71084 CHARLOTTE NC 28272-1082 000001986456454272014014292300000000004300 Opening Date: July 3, 2011 • Closing Date: August 2, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments Arid Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,42067 4500 + 16 74 + 0 00 • 0 00 + 12 60 + 24 22 $1.,429 23 See Interest Charge Calculation section following transections for detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500 00 $70 00 $800 00 $70 00 Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To lean mo:e Io2:n o+ www.Discover.com Anniversary Month March $ 562 + 0 10 $ 5.72 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1 -B00 -DISCOVER (1.800-347-2683) Please have your Discover8 card available 3 Write 10 us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecammumcations Device For the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,429 23 Minimum Payment Due $43 00 Payment Due Date August 28, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example f you make no oddihonal charges using: this cord and each month you pay You will pay off 'the balance shown :on this statement .in about And you will end up paying an ethni ed total of . Only the minimum payment 8 years $2,544 $53 3 years $1.912 (Savings = $632 ) f you would like information about credit counseling services, call 1-800.347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan toay down your balance, securely occess statements, pay bills online and easily track at transactions Make your money worth more —find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jul 28 Jul 28 INTERNET PAYMENT • THANK YOU $ -45 00 Warehouse Clubs Jul 28 . Jul 28 BJ WHOLESALE #0025 CAMP HILL PA $ 16 74 Fees Aug 2 Aug 2 PAYMENT PROTECTION PPD 1.877.883.1959 $ 12 60 TOTAL FEES FOR THIS PERIOD 12.60 ir404182)18 INTEREST CHARGE ON PURCHASES $ 24 22 INTEREST CHARGE ON CASH ADVANCES 000 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 -mod or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless 1:17010 Unrmer burl Member t-D'f: PAPLR UT O Transactions (cont.) Interest Charged Trans. Post Dab . Dab INTEREST CHARGE ON BAIANCE TRANSFERS $ 000 TOTAL INTEREST FOR THIS PERIOD 24.22 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30088288 $ 74 54 137 33 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347.2683). DISCOVER DISC VER It pays is DISC VER WILLIAM J CALVERT Account number ending in 1713 page2of2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account Current Biting Period: 31 days TYPE OF BALANCE ANNUAL APERCENTAGE RATPurchases 19 99% V Cash Advances 24 99% V = Variable Rale BALANCE SUBJECT TO INTEREST RATE $1,42691 50 INTEREST CHARGE $24 22 30 Additional Important Information See your Cardnsember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cords. Report immediately) Can 1.800.347.2683, What To Do W 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 8413x0421 In your letter, give us the following information Account informarron 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 0 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 coil us, but if you do we are not required to investigate any potential error: and you may have to pay the amount in question While we investigate whether or not there hos been an error, the following ore true We cannot try to collect the amount in question, or report you as dehrsgvent 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 to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights 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 mile: of your current mailing oddress, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchose was based on an advertisement we mailed to you , or it we own the company that sold you the goods or services 2 You must have u•ed your credit cord for the purchase Purchases mode with cash advance: from an ATM or with a check that accesses your credit card occounl 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 os 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 cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund tronsfer, the transfer will be for the amount of the check When we use information horn your check to make an electronic fund transfer, funds may be withdrawn from your account as soon os the some day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, conespondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided Payments received in proper lorm at our processing facility by 5PM local time on any day will be credited to your Account os 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 Streom, IL 60107.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit 30088288 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 dote (e gthe 15th dayof the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number, 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 sieected by you, from your bank account You also authorize us to Inihate debit or credit entries to your bank occount, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.804347.2683 or by marl at Discover, PO Box 30421 Salt take 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 to your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (iv) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment rs 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 IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount 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 hll•in the following blanks below and retain the authorization for your records Amount 0 Full Pay LJ Mm Pay Min Pay + $_. ❑ Fixed PoyS_ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus tate payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly 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 wide us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying interest We begin to impose interest charges on a transaction, fee or interest charge from the day we odd 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 Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") 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 or any portion of a new Purchase. paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Cakulate Wettest 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 Daly Balance for Each Transaction Category We start with the beginning bolance 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 odd any interest charges accrued on the previous day's doily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dote 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 darty periodic rate We do this for each day in the billingperiod This gives us the interest charges for each Transaction Category To get a daily periodic tate, we dividthe APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balonce 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 Rote. Your statement shows a Balance Subject to Interest Rote It shows this For each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account hos 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`ecard is issued by Discover Bonk, Member FDIC RL:v! tuff i 30088288 Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800.347.2683). DISCOVER DISC VER New Balance 51,447.34 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due Account Number ending in 1713 Enter Amount Enclosed Below $43.00 Payment Due Date September 28, 2011 Address, e-mail or telephone change$ Go to www.Discover.com or print change in space above $1 Pay online at www Discover com or make check payable to Discover Phone and Internet payments mus; be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014473400000000004300 Opening Date; August 3, 2011 - Closing Date: September 2, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,429 23 50 00 + 3072 + 0 00 + 0 00 + 12 76 + 24 63 $1,447 34 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,50000 $52 00 $800 00 $52 00 Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To icorr: mnse loci otwww.Discover.com Anniversary Month March $ 5 72 + 0 10 $ 5.82 3 Easy Ways to Contact Us 1 Access your account securely at www,Discover.com 2 Call l.800 -DISCOVER (1.800-347-2683) Please have your Discoverticard available 3 Write to us at Discover, PO Box 30943, Solt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, Il 60197-6103 For TDD frelecommunications Device for the Deaf) assistance, please call 1.800.347-7449 page 1 of 2 Payment Information New Balance $1,447 34 Minimum Payment Due $43 00 Payment Due Date September 28, 2011 Lata Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more In Interest and it will take you longer to pay off your balance For example If yoti make no additional charges using; this card and each month you pay You will pay ofl .the balance shown on this stalement in about .And ySti will end up paying an estimated total Qf - Only the minimum payment 8 years $2,584 $54 3 years $1.936 (Savings = $648 ) f you would like information about credit counseling services, call 1.800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a pion to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more^'`^—find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Aug 26 Aug 26 INTERNET PAYMENT • THANK YOU $ •50 00 Merchandise Aug 1 1 Aug 11 DICKS SPORTING GOODS MECHANICSBURGPA $ 30 72 Fees Sep 2 Sep 2 PAYMENT PROTECTION PPD 1-377-883-1959 $ 12 76 TOTAL FEES FOR THIS PERIOD 12.76 INTEREST CHARGE ON PURCHASES $ 24 63 INTEREST CHARGE ON CASH ADVANCES 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 cis soon os ti's ovailoble 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 o paper copy of your statement anytime • Sign up today at Discover.com/paperless 2 1(} Dnrtr.et bunk Mronhe:t FLYC" PARR Crj 1(1 Transactions (cont.) Interest Charged Trans. Post Date Dote INTEREST CHARGE ON BALANCE TRANSFERS $ 000 TOTAL INTEREST FOR THIS PERIOD 24.63 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30088288 $ 87 30 161 96 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER h pct's to DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rale on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE R) BALANCE SUBJECT TO INTEREST CHARGEATATRE Purchases 19 49% V $1,451 02 $24 63 Cash Advances 24 99% $0 $0 V = Variable Rale 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 Cry, UT 84130.0421 In your letter, give us the folbwing information Account rnformohon Your name and occount number Donor 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 writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the Following ore 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 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. 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 ore dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with 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 adverisement we marled 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 obove 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 ar 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 cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or 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 informationhom your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution • The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form of 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 rs returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 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 con 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 payment dole (e g , the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business 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 Inst four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount se acted by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to carer an error in the processing of such payment You can cancel a scheduled payment by phone at 1.8M347.2683 or by mail at Discover, PO Box 30421 Salt lake City, UT 84130-0421, however we must receive nonce 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 (,) statement New Balance, (n) statement Minimum Payment Due, 1111) 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 os listed on your monthly biling statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment *greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your 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 rhe 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 bebw and retain the authorization for your records _ Amount 0 Full Pay J Min Pay ❑ Mm Pay +_. ❑Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment, missed payments, or other defaults on your Account may be reflected in your credit report We normolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transection, he or irrerer charge from the day we add i• 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 os described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the NewBalance on your previous billing statement by the Payment Due Date shown on that billing statement. we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance 1n full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges : Daily Balance Method (including current transactions): We calculate interest charges each billing perrod by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The be inning balance For the first day of the biting 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 transochons 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 (,nclud,ng those adjustments required rn the "Paying Interest" section) How We Figura Your Total Interest Charges We multiply the doily 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 rote, we divide the APR that applies to the Transaction Category by 365 We odd 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 Cosh Advance Fees to the applicable Cash Advance Transaction Category We add oil other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Sublect to Interest Rate It shows this for each transaction category The Balance Sbbbject 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 thus amount if your Account ,s 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 Duscovermcard is Issued by Discover Bank, Member FDIC RZNi'Lour 30088288 Questions? Visit www.Dlscovor.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance $1,440.89 WILLIAM 1 CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due: S43.00 Payment Due Dale October 28, 2011 Address, e-mail or telephone change Go to www,Discover.cam or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET for some day posting POBOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014408900000000004300 Opening Date: September 3, 2011 - Closing Dale: October 2, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credit: Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,447 34 4300 + 0 00 + 000 + 000 + 12 71 + 23 84 $1,440 89 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credit line Cash Advance Credit line Available $1,50000 $59 00 $800 00 $59 00 Cashback Bonus° Opening Cashback Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance To learn orwww.Discover.com Anniversary Month March $ 5 82 1- 003 5.85 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Coll 1.800 -DISCOVER (1.800.347.2683) Please have your Discoveratcard available 3 Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 11 60197-6103 For TDD (Telecommunications Devitt For the Deaf1 assistance, please call 1.800.347.7449 ,111111. page 1 of 2 Payment Information New Balance $1,440 89 Minimum Payment Due $43 00 Payment Due Date October 28, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transodions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges '411'9 Shit card and each month you pay You will pay off the balance shown on this statement, in about Md you will end up paying an esIirngted total of . Only the minimum payment 8 years $2,572 $54 3 years $1,928 (Savings = $644 ) I you would like information about credit counseling services, call 1-800347-1121 Manage Your Account Online al www.Discover.com Access free online tools like Poydown Planner to create a plan to pay down your balance, securely access statements, poy bits online and easily track all transactions Make your money worth more'"—lied easy ways lo earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Dote Payments and Credits Sep 28 Sep 28 INTERNET PAYMENT • THANK YOU $ -43 00 Fees Oct 2 Oct 2 PAYMENT PROTECTION PPD 1-877-883-1959 $ 12 71 TOTAL FEES FOR THIS PERIOD 12.71 Interest Charged 30088288 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON GASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL IN1ERES1 FOR THIS PERIOD $ 23 84 0 00 0 00 23.84 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Iess clutter, more convenience Easily access up to 24 months of downloodable, password protected statements • See your statement as soon os It's available rather than wall for it to arrive in your mailbox. • Get helpful payment reminders through a -mod or text messages on your mobile phone • Print o poper copy of your statement anytime • Sign up today at Discover.com/paperless i21)10. J.x:rtv-r bunk l ymhty FT(:: PAPER (JJ 10 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30088288 $ 10001 185 80 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER` DISC VER ft pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 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 LANCTE (APR) �SUBJJECT TO INTEREST CHARGE TE Purchases 19 99 V $1,451 71 $23 84 Cash Advances 24 99% $0 $0 V = Variable Rale 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 City, UT 84130-0421 In your letter, give us the Following information Account information Your nome 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 rs wrong and why you believe d is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potenhal errors in writing You may call us, but rf 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 hos bean an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in 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 ore dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good Faith to corect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, at 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 l 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 os 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 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 payment as a check transaction If payment is processed os an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make on electronic Fund transfer. funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use on envelope other than the one provided Payments received in proper form at our processing Facility by SPM local time on any 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, 1L 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit d os an electronic debit 30088288 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 paymentsthrough a customer service representative by calling 1-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request 0 recurring payment dote (e g , the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment dote Falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account inlormanon You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct eoch payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You con cancel a scheduled payment by phone of 1.80347.2683 or by mail at Discover. PO Box 30421, Solt 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 5 low You con set automatic payments for (r) statement New Bolance, (11) statement Minimum Payment Due, (n[) statement Minimum Payment Due plus a fixed dollar amount, or (w) a fixed dollar amount If your scheduled fined payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is,greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement 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 omounl may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale If you enroll by phone in our automata payment service, please fill-in the following blanks below and retain the avthor¢ation for your records Amount `.._1 Full Pay (_ Min Pay Min Pay + S E Fixed Pays_ Bank Routing # Bank Account # Frequency Credit Reporting, We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly 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 Boe 15316, Wilmington, DE 19850-5310 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 odd 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 Put -choses as described below However, you connot avoid paying interest on Bolance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") 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 or any portion of a new Purchase, paid by the Poyment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing stotement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full eoch month, then, depending on the balance to which we apply your payment, you moy not get a grace period on new Purchases How We Calculate Interest Charges •_Daily Balance Method (including currenttronsoctions): 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 Daiy Balance For Each Transaction Category We start wth 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 odd any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted io 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 rote We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a doily periodic rote, we divide the APR that applies to the Transoction Category by 365 We odd 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 Category We add Cosh Advance Fees to the applicable Cash Advance Transaction Category We odd all other fee: to the stondatd Purchase Transaction Category Balance Subject to Interest Rote. 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 o credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed 10 you You may make charges against this amount if your Account is open We will send you a relund of any remaining balance of S1 00 or more after 6 months, or a: otherwise required by applicable jaw 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 assuronce purposes The Discover°card is issued by Discover Bank, Member FDIC K[ rivi 30088288 Questions? visit www.Discovor.com or call I -800 -DISCOVER (1-800.347-2683J. DISCOVER DISC VER New Balance $1,435.03 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due Account Number ending in 1713 S43.00 Enter Amount Enclosed Below Paymerit Due Date November 28, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET For some day posting PO BOX 71084 CHARLOTTE NC 28272.1084 000001986456454272014014350300000000004300 Opening Date: October 3, 2011' - Closing Date: November 2, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,440 89 4300 + 000 + 000 + 0 00 + 1265 + 24 49 $1,435 03 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $1,50000 $64 00 $800 00 $64 00 Cashback Bonus" Opening Cashback Bonus Balance . New Cashbook Bonus This Period Cashback Bonus Balance To loom mo,e ion _n of www.Discever.cem ary Month March 5 85 0 03 5.88 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.cam 2 Coll I -800 -DISCOVER 11-800-347.2683) Please have your Discover® card available 3 Write to us at Discover, PO Box 30943, Salt Loke City, UT 8.1130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 11 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 Of 2 Payment Information New Balance $1,435 03 Minimum Payment Due $43 00 Payment Due Dote November 28, 2011 late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs Ior new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will lake you longer to pay off your balance For example Ilyou make no addinanal charges using This card and each month you pay You will poy off the balance shown on this statement :in about And you will end up paying an estimated total of - Only the minimum payment 8 years $2,556 $53 3 years $1'920 (Savings = $636 1 f you would like Information about credit counseling services, call 1.800.347-1 121 Manage Your Account Online at www.Discover.com Access Iree online tools like Paydown Planner to create a plan to pay down your balance, securely occes statements, pay bills online and easily track all transactions Make your money worth more5m—find easy ways to earn and redeem cosh rewards NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Od 27 Oct 27 INTERNET PAYMENT • THANK YOU $ -43 00 Fees Nov 2 Nov 2 PAYMENT PROTECTION PPD 1-877-883-1959 TOTAL FEES FOR THIS PERIOD $ 12 65 12.65 Interest Charged 30088288 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 24 49 0 00 0 00 24.49 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily eccess up to 24 months of downloodoble, password protected statements • See your statement os soon os it's available rather thou wail for d to arrive m your mailbox. • Get helpful payment reminders through e•mad or text messages on your mobile phone • Print o paper copy of your stotement anytime • Sign up today of Discover.com/paperless '6' 1010 Dmetver tart 1M,m%,e. Ii) PAPtR (1710 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30088288 $ 11266 21024 Questions? visit www.Discover.com or C011 1 -800 -DISCOVER (1-800-347.2683). DISCOVER DISC VER` it pays 10 DISC VER WIWAM J CALVERT Account number ending in 1713 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 BALANCEBBECT TO INTEREST CHARGEINTEREST NAE Purchases 1999% V $1,443 06 $24 49 Cash Advances 24 99% $0 10 V = Variable Rale 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 Yov 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 take City, UT 84130-0421 In your letter, give us the fdbwing information Accour+r rnformahon Your name and account number Dollar amount The dollar amount of the suspected error Description of Proo'em If you think there is an error on your bill, describe what you believe!: wrong and why you believe it is 0 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 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 hos been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mode a mistake, you will not have to pay the amount in question or any interest or other fees reloted to that amount While you do not have to pay the amount in question, you are responsible For the remainder of your balance We con apply any unpaid amount against your credit limit Your Rights 0 You Are Dissatisfied With Your Credit Card Purchases If you ore dissatisfied with the goods or services that you have purchased with your credit cord, and you have hied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amovnt 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 moiled to you , or if we own the company that sold you the goods or services I 2 You must have used your credit card for the purchase Purchases made with cash advances horn on ATM or with 0 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 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above Aher 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 os 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 porton of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or 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 ham your check Io make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cosh, 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 of our processing tacdny 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 hove 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 os an electronic debit 30088288 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a ggreater 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 gthe 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount se:ected by you, from your bank. account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You con cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Soli 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 'hat sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments For (i) statement New Balance, (u) statement Minimum Payment Due, fin) 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 Poyment 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 *greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement 1Fyour 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 fdl•in the following blanks below and retain the authorization for your records ^- Amount El full Pay (.� Min Pay n Min Pay + $., E Fixed Poy$__._ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you connot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New ltalance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges •Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances. such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the Tast day of your previous biting period We add any interest charges accrued on the previous day's daily balance and any new tronsactions 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 odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We odd Balance Transfer Fees to the 'applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Sublect to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate its the average of the daily balances during the billing period Credit Balances. If your Account hos a credit balance, the amount is shown on the front of your billing statement A credit balance 0 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 05 otherwise required by applicable law For TDD f!elecommunications Device for the Deal) assistance, please call 1.800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover` cord is issued by Discover Bonk, Member FDIC itZNeevu 30088288 Questions? Visit www.Dlscovar.com or call 1 -800 -DISCOVER (1-800-347-2683. DISCOVER DISC VER New Balance 51,421.15 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $42.00 Poyment Due Date December 28, 2011 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet dyments must be made by 5 OOpm ET for some Y posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014211500000000004200 Opening Date: November 3, 2011 - Closing Date: December 2, 2011 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,435 03 50 00 + 0 00 + 000 + 000 + 12 53 + 23 59 $1,421 15 See Interest Charge Calculation section following transections for detailed APR information Credit Line Credit line Available Cosh Advance Credit Line Cash Advance Credit Line Available $1,500 00 $78 00 $800 00 $78 00 Cashback Bonus" Opening Cashback Bonus Balance. New Cashback Bonus This Period Cashback Bonus Balance To team mt.,. iog :n o+ www.Discover.com Anniversary Month March $ 5 88 + 0 03 $ 5.91 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1 -B00 -DISCOVER (1.800.347-2683 Please have your Discovers card available 3 Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449 1 of 2 Payment Information New Balance 31.421 15 Minimum Payment Due $42 00 Payment Due Date December 28, 2011 tote Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example Ifyou make no additional charges usingthis cord and each month you pay :You will pay off the balance shown 6n tilts statement Sin about .And ydu will end up paying an estimated total of . Only the minimum payment 8 years $2,527 $53 3 years $1'901 (Savings = $626 ) f you would like Information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more'," —find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Data Payments and Credits Nov 27 Nov 27 INTERNET PAYMENT • THANK YOU $ -50 00 Fees Dec 2 Dec 2 PAYMENT PROTECTION PPD 1-877-B83-1959 $ 12 53 TOTAL FEES FOR THIS PERIOD 12.53 Interest Charged 30088288 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 23 59 000 0 00 23.59 NOTICE • SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon os it's available rather than wait for rt to arrive in your moilbox, • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today of Discover.com/paperless ,62:110 Dme,ver bun& l m,n e, FD PAPER (0 !O 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30088288 $ 125 19 233 88 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRI is the onnual interest rate on your account Current Billing Period: 30 days TYPE Of BALANCE ANNUAL T{ALERCENTAGE BALANCE SUBJECT TO INTEREST CHARGEAE INTERESTRAE Purchases 10 99e V $1,436 45 $23 59 Cash Advances 24 99% 10 10 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1.800.W-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 folbwing 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 writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We connot 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, 4 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 hove to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights 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 hove hied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary 4 your purchase was based on an advertisement we mailed to you , or 4 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 84130-0945 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 al 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 trap ter from your account at the financial institution indicated on your check or to process the payment as a check transection If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or it you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received of our processing facility offer 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 os an electronic. debit 30088288 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that doe: 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 dalee g the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business cloy prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and -your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing 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 carer an error in the processing of such payment You con cancel o 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 pament If your payments moy 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 5 law You can set automatic payments For .(i) statement New Balance, (n) statement Minimum Payment Due, (in) 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 liyour scheduled payment is greater than the New Balance on your billing statement, that poyment 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 El Full Pay _Min Pay ❑ Min Pay + $ ❑ Fixed Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment, missed payments, or other defaults on your Account moy be reflected rn your credit report We narmolly 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 he following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transaction, fee or interest charge from the day we add it to rhe doily 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 Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") IF you paid the New Balance on your previous billing statement by the Payment Due Dote shown on that billing statement. we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by firs- 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 Dally 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 lost 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 rn 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 rsterest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the bitting period This gives us the interest charges for each Transaction Category To get a daily periodic rote, we divide ase APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fess 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 odd all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows o 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 Bonk, Member FDIC Kirwreuu 1 30088288 Questions? Visit www.Dlscovar.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance $1,407.71 WILLIAM J CALVERT PO BOX 60408 K NG OF PRUSSA PA 19406-0408 Minimum Payment Due: 342.00 Payment Due Dale January 28, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below 1 Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014077100000000004200 Opening Date: December 3, 2011 - Closing Date: January 2, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance 31,421 15 50 00 + 0 00 + 0 00 + 0 00 + 12 41 + 24 15 $1,407 71 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available $1,50000 $92 00 $800 00 $92 00 Cashback Bonus"' Anniversary Month March Opening Cashback Bonus Balance , $ 5 91 New Cashback Bonus This Period + 0 03 Cashback Bonus Balance $ 5.94 To iooro mc•e 103 ,,, n' www.Discever.eom 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1.800-347-2683 Please have your Discover® card available 3 Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remilance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $1,407 71 Minimum Payment Due $42 00 Payment Due Date January 28, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above. you may have to pay a late Fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be Increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay You will payoff the balance shown :on this statement 'in abqut And you will end up paynig an estimated total of , Only the minimum payment 8 years 32,494 $52 3 years $1,883 (Savings = 3611 ) 1 you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools tike Paydown Planner to create a plan to pay down your balance, securely access statements, poy bits online and easily track all transactions Make your money worth more.5' —find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Dec 28 Dec 28 INTERNET PAYMENT • THANK YOU $ -50 00 Fees Jan 2 Jan 2 PAYMENT PROTECTION PPD 1-877.883-1959 $ 12 41 TOTAL FEES FOR THIS PERIOD 12.41 Interest Charged 30088288 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 24 15 0 00 000 24.15 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess 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 wail for it to arrive in your mailbox. • Get helpful payment reminders through e -mod or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless ;7,20 I (: D, -o ^r Bunk Mosvnbti I:YC BAPLR P:! 10 2012 Totals Year -to -Date 30088288 TOTAL FEES CHARGED IN 2012 $ 12 41 TOTAL INTEREST CHARGED IN 2012 24 15 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER It pays to DISC VER WILLIAM ) CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rale on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE ECT TO INTEREST CHARGE RATE (APR) INTEREST Purchases 19 99% V $1,423 19 $24 15 Cash Advances 24 99% $0 $0 V = Variable Rate Additional Important Information See your Cardmembor Agreement. Your Cordm ember Agreement contains all the terms of your Account Lost or stolen cards. Report immed atelyt Cali 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 Descrrphon of Problem 1f you think there is an error on your bill, describe who! 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 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 o 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 ore 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 mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we marled to you , or if we own the company that sold you the goods or services I 2 You must hove used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you ore 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 os 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 may be withdrawn from your account as soon as the some day we receive your poyment, 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 of our processing tacihty by SPM 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, fl 601974103 Please allow 7.10 days for delivery If your payment is returned unpaid. we reserve the right to resubmit it as an electronic debit 30088288 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Poyment Due, or a greater amount that does not exceed your current Account balance, over the Telephone or you can setup automatic payments through o customer 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 dayof the month) that occurs before your Poyment Due Dote 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 (4) digits of the social security number of the primary borrower By providing those number 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 corer! an error in the processing of such payment You con cancel o scheduled payment by phone at 1.8:M347.2683 or by mad at Discover, PO Box 30421, Salt lake City, UT 84130.0421, however we must receive notice at least three business doys in advance of the scheduled payment If your payments moy 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 5 low You can set automatic payments for li) statement New Balance, (ti) statement Minimum Payment Due, lilt) statement Minimum Payment Due plus a fixed dollar amount, a liv) a fixed dollar amount If your scheduled fixed payment is not enough to covet 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 lithe scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordonc.e with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be proceseed only for the amount of your New Balance Your automatic payment amount nny be less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale 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 LI Min Pay ❑ Min Pay + S___.-.._.. U Fixed Bank Routing # Bank Account # Frequency Credit Reporting. We moy report information about your Account to credit bureaus late payment, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month Ifou believe that our report is inaccurate or incomplete. please write us at the following address Discover, PO Bon 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from he day we odd r 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 ovoid paying interest on Balance Transfers or Cash Advances How to Avoid Par ngg Interest on Purchases ("Grace Period") If you paid the New -Violence 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 Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full eoch month, then, depending on the bolonce to which we opply your payment, you may riot ger a grace period on new Purchases How We Cakulaie Interest Charges • Daly Balance Method (including current transactions): We calculate interest charges each billingperiod by first figuringthe "daily balance" for each Transaction Category Transaction Categories include standard urchases, standard Cosh Advances and different promotional balances, such as Bolonce Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add ony new transactions or fees as of the later of the Transaction Date or the first day of the billing period in whch -tie 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 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 rote, we divide the APR that applies to the Transection Category by 365 We odd up all the daily interesl charges The sum es the total interest charge for the billing period How We Include Fees We odd Balance Transfer Fees to the applicable Bolonce Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add oil other fees to the standard Purchase Transaction Category Balance Subject to Interest Rote. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject ro 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 the front of your billing statement A credit balance is money that is awed to you You may make charges against this amount if your Account is open We will send you o 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 Discover4)card is issued by Discover Bank, Member FDIC RLN I .iLI 30088288 Questions? visit www.Dlscovor.com or call 1.800•DISCOVER (1.800-347-2683). DISCOVER` DISC VER New Balance $ 1,433.36 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $43.00 Payment Due Date February 28, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet payments mud be mode by 5 OOpm ET For some day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014333600000000004300 Opening Date: January 3, 2012 - Closing Date: February 2, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cosh Advances Fee; Charged Interest Charged New Balance $1,407 71 50 00 + 3900 + 000 + 0 00 + 12 64 + 24 01 $1,433 36 See Interest Charge Calculation section following transactions for detailed APR information Credit line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available $1,50000 $66 00 $800 00 $66 00 Cashback Bonus"' Anniversary Month March Opening Cashback Bonus Balance $ 5 94 New Cashbock Bonus This Period + 0 12 Cashback Bonus Balance $ 6.06 To leorn nc:e rot m of www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800.DISCOVER (1.800.347.2683 Please have your Discover® cord available 3 Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449 aae1of2 Payment Information New Balance $1.43336 Minimum Payment Due $43 00 Payment Due Date February 28, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be Increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example Jfyou make no additional charges using, this cord and each month you pay You will pay off the balance shown an this statement in about .And you will end up paying an estimated total of • Only the minimum payment 8 years $2,551 $53 3 years $1,917 (Savings = $634 ) f you would like information about credit ounsehng services, call 1.800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely otters statements, pay bills online and easily track all transactions Make your money worth mores —find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jan 27 Jan 27 INTERNET PAYMENT • THANK YOU $ -50 00 Restaurants Jan 29.. Jan 29 RED ROBIN #333 HARRISBURG PA $ 39 00 Fees Feb 2 baotoampa Feb 2 PAYMENT PROTECTION PPD 1-877.883.1959 $ 12 64 TOTAL FEES FOR THIS PERIOD 12.64 INTEREST CHARGE ON PURCHASES $ 24 01 INTEREST CHARGE ON CASH ADVANCES 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as d's available rather than wait For it to arrive in your moilbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com/paperless 4;20 IC Dn:vrver Bunk rdnmbn 1UC Dalt% U710 Transactions (cont.) !merest Charged Trans. Post Date Date INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 24.01 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30088288 $ 2505 48 16 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER It pays 10 DISC VER' WILLIAM J CALVERT Account number ending in 1713 page 2of2 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 RATE Purchases 19 99% V Cash Advances 24 99% V = Variable Rale BALANCE SUBJECT TO INTEREST RATE $1,414 31 $0 INTEREST CHARGE $24 01 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Cog 1.800347.2683. 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 84130-0421 In your letter, give us the following information Account information Your nome and account number Dollar amount The dollar amount of the suspected error Descrrptrorr of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is o 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 cull us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to core ed the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been mode in your home state or within 100 mile: 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 adverisement we mailed to you , or if we own the company that sold you the goods or services I 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with o 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 os discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay of least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope 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 os a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or 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, Card Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it or. an electronic debit 30088288 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 dote (e gthe 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 lour (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you wit be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount seeded by you, from your bank account You also authorize us to initiate debit or credrt entries to your bank account, as app�Iicable, to correct on error in the processing of such payment You can cancel a scheduled payment by phone at 1-8W-347.2683 or by mail at Discover, PO Box 30421, Sok 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 m your bank account, and all transactions must comply with U S law You can set automatic payments for (1) statement New Balance, (u) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Mrnrmum Payment Due If rhe scheduled payment *greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your 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 0 Full Pay ❑ Min Pay ❑ Min Pay + $ (..._ i Fixed Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indiccre your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on transaction, fee or interest charge from the day we add r to the doily 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") 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 or any portion of a new Purchase. paid by the Payment Due Date on your current billing statement New Purchases ore Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transections 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 odlustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Merest Charges We multiply the doily balance For each Transaction Category by its daily periodic rate We do this for each day in the billing perrod This gives us the interest charges for each Transaction Category To get o 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 ro 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, phase call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovere'card is issued by Discover Bank, Member FDIC R2wreva 1 30088288 Questions? Visit www.Dlscovar.com or toll 1.800 -DISCOVER (1-800-347-2683). DISC•VER DISC VER New Balance S1,444.25 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due. $43.00 Payment Due Dale March 28, 2012 Address, e-mail or telephone change2 Go to www.Discover,com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below $f 1 Pay online at www Discover com or make check payable lo Discover Phone and Internet payments must be made by 5 OOpm ET For same doy posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014442500000000004300 Opening Date: February 3, 2012 - Closing Date: March 2, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credit: Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,433 36 50 00 + 2500 + 0 00 + 0 00 + 12 74 + 23 15 11,444 25 See Interest Charge Calculation section following transactions for detailed APR information Credit line Credit line Available Cash Advance Credit Line Cosh Adwnce Credit line Available 11,50000 155 00 1800 00 15500 Cashback Bonus" Opening Cashbook Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To !nom ^1c,e i r. www.Discover.com Anniversary Month March $ 6 06 + 009 $ 6.15 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.com 2 Call I.800 -DISCOVER I I.800.347.26831 Please have your Discoverncard available 3 Write to us at Discover PO Box 30943, Solt lake City. UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 11 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347.7449 1/011, page 1 af 2 Payment Information New Balance $1,444 25 Minimum Payment Due 143 00 Payment Due Date March 28, 2012 late Payment Warring: If we do not receive your minimum payment by the date listed above, you may have to pay a tole fee of up to 135 00 and your purchase and balance transfer APRs for new transactions may be increased vp to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will lake you longer to pay off your bolance For example If you make no additional charges using; this card and each month you pay 'YoU will pay off .the balance shown `on On:. statement in about And you will end up paying an estimated total of . Only the minimum poyment 8 years 12,582 154 3 years $1'932 (Savings = 1650 ) f you would like information about credit counseling services, call 1.804347.1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to poy down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more —find easy ways to earn and redeem cosh rewards NEWI Access your account securely through your mobile phone Transactions Trans. Post Dote Date Payments and Credits Feb 28 Feb 28 INTERNET PAYMENT . THANK YOU 1 -5000 Services Feb 8 Feb 8 5T JUDE MAIN DONATIONS MEMPHIS TN $ 2500 Fees Mar 2 Mar 2 PAYMENT PROTECTION PPD 1.877-883.1959 $ 12 74 TOTAL FEES FOR THIS PERIOD 12.74 INTEREST CHARGE ON PURCHASES $ 23 15 INTEREST CHARGE ON CASH ADVANCES 0 00 NOTICE SEE REVERSE SIOE 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 d's available rather than wail for it to arrive in your mailbox. • Gel helpful payment reminders through c -moll or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up lodoy at Discover.com/paperless 4:201.1 On::nvcr I w6 MMn!xe Fi}r: PAPLR 031;0 Transactions (cont.) Interest Charged Trans. Posi Dab Dat. INTEREST CHARGE ON BALANCE TRANSFERS 000 TOTAL INTEREST FOR THUS PERIOD 23.15 2012 Totals Year -to -Date 30088288 TOTAL FEES CHARGED IN 2012 $ 37 70 TOTAL INTEREST CHARGED IN 2012 71 31 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347.2683). DISC•VER DISC VER' 1l paysro DISC VER' WILUAM J CALVERT Account number ending in 1713 page 2of2 Interest Charge Calculation Your Annual Percentage Rale IAPRI is the annual interest rate on your account Current Bolling Period; 29 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 19 99% V Cash Advances 24 99% V = Variable Rate BAIANCE SUBJECT TO INTEREST RATE 81,458 31 SO INTEREST CHARGE $23 15 SO Additional Important Information See your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards, Report immediately) Call 1.300.347.2683, 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 841300421 In your letter, give us the folbwing information Account information Your nome and account number Dollar amount The dollar oinounl of the suspected error Pescrrp for 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 call us, but if you do we are not required to investigate any potential error: and you may hove 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 o mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you ore responsible for the remainder of your balance We con 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 cord, and you have tried in good faith 10 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 mile: of your current matting address, and the purchase price must have been more than 850 (Note Neither of these are necessary if your purchase was bosed on an odverisement we mailed to you , or if we own the company that sold you the goods or services I 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 oll of the criteria above are met and you are still dissatisfied with the purchase, contact us in wntng at Discover, PO Box 30945, Salt lake City, UT B4130-0045 While we investigate, the same rule; apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must poy 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 cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account al the financial institution indicated on your check or to process the payment as a check transaction 11 poyment 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 os 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 of 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 SPM local tune will be credited to your Account as of the next day If you hove misplaced your envelope, send your payment lo 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 rt as an electronic debit 30088288 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 le hone or you can setup automatic payment: through a customer service representative by calling I.800.347. 683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dole (e g , the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on o 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 mFormcrion You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number* 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 bunk account You olio authorize us to initiate debit or credit entries to your bank account. as apOicoble, o corect an error in the processing of such payment You can conal a scheduled payment by phone at 1.804347.2683 or by marl at Discover, PO Box 30,42 I, Lake Cry, 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 rni.ot ensure that sufficient funds are available in your bank account, and all tramachons must comply with U S law Yov con set automatic payments for (i) statement New Balance, (u) statement Minimum Payment Due, (nil statement Minimum Payment Due plus o fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Dve as listed on your monthly billing statemerr, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment rsgreater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment rs 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 rise amount indicated on the periodic statement based on credits or payments oiler the Closing Dote If you enroll by phone in our automatic payment service, please fill•m the following blanks below and retain the authorization for your records Amount E Full Pay Cl; Min Pay ❑ Min Pay + $ Fixed Pay$_____ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies eoch month If you believe that our report is inaccurate or incomplete. please write us at 'he following address Discover, PO Box 15316, Wilmington, DE 19854 316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transaction, fee or weer charge from ire day we add r to rhe 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 descnbed below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period's) If you paid the NewEalonce on your previous billing statement by the Payment Due Date shown on that billing stotement, we will not impose interest charges on new Purchases or any portion of a new Purchase. paid by the Payment Due Dale on your current billing statement New Purchases ore Purchases that fist appear on the current billing statement How We Apply Payments May Impact Your Grace Period 11 you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you moy not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each bulling 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 Bolance Transfers How We Figure the Day Bolance 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 lost day of your previous bulling 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 odlustments (including those adjustments required in the "Paying Interest' section) How We Figure Your Total Interest Charges We multiply the doily balance For each Transaction Category by its daily periodic rote We do this for each day in the billing period This gives us the interest charges for eoch Transaction Category To get a doily periodic rate, we divide the APR that applies to the Transaction Category by 365 We odd 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 Cosh Advance Transaction Category We add all other fees to the vandal d Purchase Transaction Caregory Balance Subject to Interest Rote. Your statement shows a Balance Subject to Interest Rate It shows this for each tran:oction category The Balance Subject to Interest Rate is the overage of the doily balances during the billing period Credit Balances. If your Account hos a credo balance, rhe amount is shown on the front of your billing statement A credo 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 DO or more after 6 months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347.7449. Discover moy monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discoverwcard is issued by Discover Bank, Member FDIC xztvrtuOI 30088288 Questions? Visit www.D1scover.com or call 1.800 -DISCOVER (1-800-347.2683). DISCOVER DISC VER New Balance $1,431.42 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Poyment Due $43.00 Paymerit Due Date Apri 28, 2012 Address, email or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Pay online at www Discover coin or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014314200000000004300 Opening Date: March 3, 2012 - Closing Date: April 2, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Bolance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,444 25 50 00 + 0 00 + 0 00 + 0 00 + 12 62 + 24 55 $1,431 42 See Interest Charge Calculation section following transactions for detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available-. $1.50000 $68 00 $800 00 $68 00 Cashback Bonus'' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To loom rote Iog n otwww.Discover.cem Anniversary Month March $ 615 + 0 03 $ 6.18 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call l-800•DISCOVER (1.800.347-2683) Please have your Drscovere card available 3 Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103. Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf( assistance, please call 1-800.347.7449 page 1 of 2 Payment Information New Balance $1.431 42 Minimum Payment Due $43 00 Poyment Due Date April 28, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be Increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges u'vrng chi cord and each month you pay :You will pay off the balance shown on Ihi> statement :in about And you will end up paying an esirmated total of . Only the minimum payment 8 years $2,548 $53 3 years $1,914 (Savings = $634 ) 1 you would like information about credit counseling services, call 1.800.347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance. securely access statements, pay bills online and easily track all transections Make your money worth more'^—find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Mar 28 Mw 28 INTERNET PAYMENT - THANK YOU $ -50 00 Fees Apr 2 Apr 2 PAYMENT PROTECTION PPD 1-877-883-1959 $ 12 62 TOTAL FEES FOR THIS PERIOD 12.62 Interest Charged 30088288 INTEREST CHARGE ON PURCHASES $ 24 55 INTEREST CHARGE ON CASH ADVANCES 000 INTEREST CHARGE ON BALANCE TRANSFERS 000 TOTAL INTEREST FOR THIS PERIOD 24.55 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 os it's available rather than wail for it to arrive in your mailbox. Get helpful payment reminders Through e•mod or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today al Discover.com/paperless 7;70 t n Dnrnvar bunk bei k0'C: ?MIR fr7 t0 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30088288 $ 50 41 95 86 Questions? visit www.Discover.com or call 1-800 DISCOVER (1-800.347-2683). DISCOVER DISC VER It pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 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 AA EUAL PERCENTAGE R) BALANCEASUBJECT TO INTEREST CHARGE RTE Purchases 19 09% V $1,446 48 $24 55 Cash Advances 24 99% 10 $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 immediately' Con 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, Solt Lake City, UT 841300421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error De criptron of Problem If you think there ro 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 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 ore true We cannot try to collect the amount in question, or report you os 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 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. 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 'four Credit Card Purchases If you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 1 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 84130-0045 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 os delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay al 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 11 payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you -end 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 os an electronic debit 30088288 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 g , the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account Information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number, 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 seeded by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable. to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421 Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (r) statement New Balance, (n) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus o fixed dollar amount, or (iv) o fixed dollar amount If your scheduled fixed payment IS not enough to cover the Minimum Payment Due as heed on your monthly billing statement, your scheduled payment for that month will be increased lo cover the Minimum Payment Due If rhe scheduled payment *greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement lFyour 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 Tess than the amount indicated on rhe 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 n Min Pay + $ , ❑ Fixed Pay$ Y Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We =molly report the status and payment history of your Account to credit reporting agencies eoch month If you believe that our report is Inaccurate or incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transection, 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 an 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 paid the New Balance on your previous billing statement by the Payment Due Date shown on that bilking statement. we will not impose interest charges on new Purchases or any portion of a new Purchase. paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories Include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other odiustmerts (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the doily balance for each Transaction Category by its daily periodic rate We do this for eoch day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rare, 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 Transection Category We odd Cash Advance Fees iso the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category - Balance Subject to Interest Rote, 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 strewn on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable low For TDD (Telecommunications Device for the Deaf) assistance, please can 1.800.347.7449. Discover may monitor and jor record telephone calls between you and Discover representatives for quality assurance purposes The Discover°card rs issued by Discover Bank, Member FDIC xz LAX 30088288 Questions? Visit www.Dlscovor.com or call 1.800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER New Bolance 51,42433 WILLIAM 1 CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due 543.00 Payment Due Date May 28, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below sr 1 Poy online of www Discover com or make check payable lo Discover Phone and Internet payments murf be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014245300000000004300 Opening Date: April 3, 2012 - Closing Dale: May 2, 2 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments Arid Credit: Purchases Bolance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,431 42 4300 + 0 00 + 000 + 0 00 + 12 56 + 23 55 51,424 53 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available' 51,500 00 17500 5800 00 575 00 Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To loom mase ie; :n of www.Discover.com Anniversary Month March 5 6 18 + 0 03 1 6.21 3 Easy Ways to Contact Us 1 Access your account securely at www,Discover.cam 2 Call 1.800 -DISCOVER (1.800-347.2683) Please have your Drscovere cord available 3 Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For paymeres, please send to address on remittence or Discover, PO Box 6103, Carol Stream, 11 60197.6103 For TDD (Telecommunications Device for the Deafl assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance 51,424 53 Minimum Payment Due 543 00 Payment Due Date May 28, 2012 Late Payment Warning. If we do not receive your minimum payment by the date listed above, you may have to pay o late fee of up to 535 00 and your purchase and balance transfer APRs for new Transactions may be increased up to the Penally APR of 24 99!o variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If'you make no additional charges using 'hi; card and each month you pay You will pay df the balance shown :an IhIS. aateroent in about And you will end up paying an 'eslrrnafed 10491 of • Only the minimum payment 8 years 52,536 553 3 years 51.906 (Savings = 5630 ) f you would like information about credit counseling services, call 1-800.347-1121 Manage Your Account Online at www.Discover.com Access Tree online tools like Paydown Planner to create a plan toay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more'`''—find easy ways lo earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Trans. Pest Date Date Payments and Credits Apr 27 Apr 27 INTERNET PAYMENT • THANK YOU 1 -43 00 Fees May 2. May 2 PAYMENT PROTECTION PPD 1-877.883-1959 $ 12 50 TOTAL FEES FOR TH15 PERIOD 12.56 Interest Charged 30088288 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 2355 0 00 000 23.55 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Iess clutter, more convenience Easily cccess up to 24 months of downloadable. password protected statements • See your statement as soon as it's availoble rather thon wad for it to arrive in your mailbox. • Get helpful payment reminders through a -mod or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.cam/paperless I CIU:s:awer bunk tlnmber F'J`C: PAPER (3 i() 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 S 62 97 TOTAL INTEREST CHARGED IN 2012 119 41 30088288 Questions? visit www.Discover.com or call l.800 -DISCOVER (1-800.347-2683. DISCOVER DISC VER It pays to DISC VER WILLIAM 1 CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Cakulation Your Annual Percentage Rate (APR( is the annual interet rate on your account Current Billing Period: 30 days TYPE OF BALANCE ARANTNUAL PERCENTAGE RI Purchases 19 99% V Cash Advances 24 99% V = Variable Rale RESSUBJECT TO INTEREST $1,434 22 EO INTEREST CHARGE S23 55 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contain: all the terms of your Account Lost or stolen cards. Report immediately) Call I -BOO -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 mformahon Your name and account number Dollar amount The dollar amount of the suspected error De:criptron 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 mull 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 ore riot required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in 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 to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you ore responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are DissotisFed Wsth Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have trued in good faith to correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must hove been made in your home state or within 100 mules of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary 11 your purchase was based on an odver'isement we moiled to you , or if we own the company that sold you the goods or services 2 You must have used your credal card for the purchase Purchases mode 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 11 all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing of Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount os 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 os delinquent Payments. You may pay all or part of your Account bolonce at any time However, you must pay at least the Minimum Payment Due by the Payment Dye Dale Send only your payment and the top portion of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize u; to use information on your check 10 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 a: 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 OS 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, conespondence 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 of 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 offer 5PM local time will be credited to your Account OS of the next cloy If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Card Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it os an electronic debit 30088288 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 I-800.347.2683 Automatic payments will be deducted on the Payment Due Dote unless you request o recurring payment date (e g , the 15th day of the month) that occurs before your Poyment Due Dote If your scheduled payment dare 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 lo provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each 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, es correct on error in the processing of such payment You can cancel a scheduled payment by phone at 1• 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 payment may vary in amount, we will tell you on each monthly bilking statement when your payment will be made and how much it will be You must ensure than sufficient funds are available in your bank account, and all transactions must comply with U 5 low You con set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, pu) :latement 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 heed on your monthly billing statement, your scheduled payment for That month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement IF your scheduled payment r, 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 emu* mdrereed on the periodic :'agement bused oe 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 t] Full Pay 7] Min Pay ❑ Min Pay + 3. _ ❑ Fixed Poy/__.._._.. . Bank Routing # Bank Account # Frequency Credit Reporting. We moy report information about your Account to credit bureaus Tate payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmclly report the status and payment history of your Account to credit reporting agencies each month If you believe that our re is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 10850 .5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on transaction, Fee or interest charge horn 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 descnbed below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") 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 or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases shot first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in Full eoch month, then, depending on the balance to which we apply your payment, you may not ger a grace period on new Purchases How We Cakulate Merest Charges • Daily Balance Method )including current transactions): We calculate interest charges each billing period by hrsr figura the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances. such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance Ior each day The beginning balance For the first day of the billing period is your balance on the fast day of your previous billing period We add any interest charges accrued on the previous day's doily 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 lo your Account We subtract any new credits and payments We make other adjustments (including those odlustments required in the "Paying Interest" section) How We Figure Your Total Merest Charges We multiply the doily balance for each Transaction Category by its daily periodic rote We do This for each day in the bilking 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 srando'd Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject ro 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 hos 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 moy make charges against this amount if your Account 0 open We will send you a refund of any remaining balance of El 00 or more after 6 months, or an otherwise required by applicable law For TDD (Teleconmsunlcations Device for the Deaf) assistance, please can 1800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover ®cord is Issued by Discover Bonk, Member FDIC UM- tuuI 30088288 Questions? visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347.2683). DISCOVER DISC VER New Balance 51,473.91 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $86.00 Payment Due Date June 28, 2012 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card Minimumpayment due includes o post due amount of $43 00 Phone and Internet payments must be made by 5 OOpm ET for some day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014739100000000008600 Opening Date: May 3, 2012 - Closing Date: June 2, 2012 Discover Mare Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance 51,424 53 0 00 + 0 00 + 0 00 + 0 00 + 2500 + 24 38 51,473 91 See Interest Charge Calculation section following transactions for detailed APR Information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available: 51,50000 $000 5800 00 5000 Cashback Bonus" Opening Cashback Bonus Balance New Cashbock Bonus This Period Cashback Bonus Balance To exn 'rive I01 In a,www.Discover.com Anniversary Month March 5 0 00 + 000 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll I -800 -DISCOVER (I.800-347-2083) Please have your 0iscovere card available 3 Write to us at Discover, PO Box 30943, Solt Lake City, UT 84130 (Not o payment address) For payments, please send lo address on remifonce or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD {Telecommunications Device for the Deaf) assistance, please cell 1-800.347.7449 page 1 of 2 Payment Information New Balance 51,473 91 Minimum Payment Due' $86 00 Payment Due Date June 28, 2012 'Include:. past due amount of $43 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late Fee of up to 535 00 and your purchase and balance transfer APRs for new transactions may be Increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance For example If you make no odd rlonot charges . using this cord and each month you pay You will pay off the balance shown on this statement in about And you will end up paying on estimated total of, , Only the minimum payment 8 years 52,591 f you would like Information about credit counseling services, call 1.800.347.1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bits online and easily track all transactions Make your money worth morew—find easy ways to earn and redeem cosh rewards NEWI Access your account securely through your mobile phone Transactions Fees Trans. Post Date Date May 28 May 28 LATE FEE TOTAL FEES FOR THIS PERIOD $ 25 00 25.00 Interest tmrged 30088288 INTEREST CHARGE ON PURCHASES $ 24 38 INTEREST CHARGE ON CASH ADVANCES 000 INTEREST CHARGE ON BALANCE TRANSFERS 000 TOTAL INTEREST FOR THIS PERIOD 24.38 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as Ws available rather than wad For d to arrive in your mailbox. • Get helpful payment reminders Through e-mail or text messages on your mobile phone • Print a paper copy of your statement onytime • Sign up today al Discover.com/paperless C201fi Jixnve, hunk rNvniuv 117C FAPLR V) 11J 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 S 87 97 TOTAL INTEREST CHARGED IN 2012 143 79 30088288 Questions? Visit www.Discover.com or call 1 -BOO -DISCOVER (1-800-347.2683(. DISCOVER DISC VER It pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR1 is the annual interest rate an your account Current Billing Period: 31 days TYPE Of BAIANCE RATE U PERCENTAGE Purchases 1999% V Cash Advances 24 99% V = variable Rale NTERE TRSA�ECTTO $1,43629 50 INTEREST CHARGE 524 38 50 Additional Important Information See your Cardmember Agreensent..Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Coli I.800.347.2683. What To Do 11 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 informohon Account information Your name and occounl 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 writing You may cell us, but if you do we ore not required to investigate any potential errors and you may have to pay the amount in question White we investigate whether or not there hos been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remora on your statement, and we may continue to charge you interest on that amount But, if we determine That we mode o 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 opply any unpaid amount against your credit limit Your Rights 0 You Are Dissatisfied With Your Credit Card Purchases If you ore dissatisfied with the goods or services that you hove 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 thot sold you the goods or services 1 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 oI 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 84 130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we hnish 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 cosh By sending your check as described above, you authorize us to use information on your check to make on electronic fund transfer from your account of the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, 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 al our processing facility by 5PM local time on ony day will be credited 10 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 60107.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the rig to resubmit it es an electronic debit 30088288 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER 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 con 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 dayof the month) that occurs before your Poyment Due Date If your scheduled payment dale Falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order o schedule monthly payments by telephone, you will need this statement onetyour bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as ;aur electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount seiected by you, from your bank account You also authorize us to Initiate debit or credit entries to your bonk account, as applicable, to career an error in the processing of such payment You can cancel a scheduled payment by phone at I.B1M347.2683 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 ordinance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statemenr 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 transaction; must comply with U 5 law You con set automate payments for (i) statement New Balance, (11) 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 morph will be increased to cover the Minimum Payment Due 11 the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement Iryour scheduled payment 15 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 rhe amount indicated on rhe periodic statement based on credits or payment after the Closing Dale II you enroll by phone in our automatic payment service, please fill -In the following blanks below and retain 'he authorization for your records Amount ❑ Full Pay ❑ Min Pay ❑ Min Pay + f_ ......_ ❑ Fixed Bonk Routing # Bank Account # Frequency Credit Reporting. We may report rnformotion about your Account to credit bureaus Late payment, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 10850.5316 Please indicate your name, address, frame telephone number and Account number Paying Interest We begin to Impose interest charges on a transaction, fee or rnreresr charge from the day we add r to the doily 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 Cosh Advances How to Avoid Poyinngg Interest on Purchases ("Grace Period") If you paid the NewBalance on your previous billing statement by the Payment Due Date shown on char billing statement. we will not impose interest charges on new Purchases or ony portion of a new Purchase. pard by the Payment Due Date on your current billing statement New Purchases ore Purchases rat first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in Full eoch month, then, depending on the balonce to which we apply your payment, you may not ger a grace period 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 "doily balance" for each Transaction Category Lnnsoctron Categories include standard Purchases, standard Cash Advance: and different promotional balances. such as Balonce Transfers How We Figure the Daly Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first doy of the billing period rs your balonce on the Lost 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 transections or fees as of the laver of the Transaction Date or the first doy of the billing period in which .-lie transaction or fee posted to your Account We subtract any new credits and payments We make other odluslments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the doily balance for each Transaction Category by Its daily periodic rate We do this for each day in rhe billing period This gives us the 'merest charges for each Transaction Category To get a daily periodic rue, we divide the APR that applies to the Transaction Category by 365 We odd 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 Cosh Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Coregory Balance Subject to Interest Rote. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Sublecl to Interest Rale is the average of the daily balances during the bring period Credit Balances. If your Account hos o credit balance, the amount Is shown on the Front of your billing statement A ciedr 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 balonce of $ 1 00 or more akar 6 months, or as otherwise required by applicable law For TDD (Telocernmvnications 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 Discoverrocard is issued by Discover Bank, Member FDIC 30088288 K(NIEa01 Questions? Visit www.Dlscovor.com or call 1.800 -DISCOVER (1-800:347-2683). D15C•VER` DISC VER New Balance 51,533.31 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $131.00 Payment Due Date July 28, 2012 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below SE 1 Please make check payable to Discover Card You ore overlimit Pay the sum of the monthly minimum payment plus the overlimit amount of $33 31 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014015333(00000000013100 Opening Date: June 3, 2012 - Closing Date: July 2, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cosh Advances Fees Charged Interest Charged New Balance $1,473 91 0 00 + 0 00 + 0 00 • 0 00 + 3500 t 2440 $1,533 31 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Crede. Line Available Cash Advance Crede: Line Cosh Advance Credit Line Available $1.500 00 $0 00 5800 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information For details Coshbock Bonus Opening Cashbock Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Tu Burr mine Liu :n CA www.Discover.com Ann iversary Month March $ 000 + 000 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.600 -DISCOVER (1.800-347.2683) Please have your Discover€card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, it 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,53331 Minimum Payment Due' $131 00 Payment Due Date July 28, 2012 'Includes past due amount of $86 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to poy a tote fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will poy more in interest and it will take you longer to pay off your balance For example Cf you make no odditronal Gliorges . using this card and each month you pay ' You will payoff the bolGrice shown on tfus statement m about And• you will end- tip poyrmg an estimated tato! of. , Only the minimum payment 8 years $2,673 f you would like information about credit counseling services. call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bits online and easily track all transactions Make your money worth more s'^—find easy ways to earn and redeem cash rewards NEW( Access your account securely through your mobile phone Transactions Fees Trans. Date Jun 28 Post Date Jun 28 LATE FEE TOTAL FEES FOR THIS PERIOD $ 3500 35.00 �3Uu�r�Lt38 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 24 40 000 000 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 wad 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 02'10 Ow:trerr bonk JNim6er tiyc NAnnn (J IQ Transactions (cont.) Trans. Past Date Dab Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 24.40 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 122 97 TOTAL INTEREST CHARGED IN 2012 168 19 30088288 Questions? visit www.Discover.com or coil 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER Itpays so DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rale on your account Current Billing Period: 30 days TYPE OF BALANCE ANNUALTPERCENTAGE BALANCAPR) E E SUBJECT TO INTEREST CHARGE Purchases 19 99% V $1,48567 $24 40 Cash Advances 24 99% $0 $0 V = Variable Rate Additional Important Information Soo 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 11 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, Solt lake City, UT 94130.0421 In your letter, give us the following information Account informahon Your name and occount 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 writing You may call us, but if you do we are not required to investigate any potential error: 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 os 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 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. you are responsible for the remainder of your balance We con 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 hove purchased with your credit card, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price 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 cord for the purchase Purchases mode 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 os 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 os 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 only your payment and the top portion of this statement in the envelope provided Do not send cosh By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction 11 payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, it you send the payment io any other address or if you use an envelope other than the one provided Payments received in proper form of 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 poyment is returned unpaid, we reserve the right to resubmit it os an electronic debit 30088288 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does riot exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling I-800-347.2683 Automatic payments will be deducted on the Payment Due Dote unless you requed a recurring payment dote le g, 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day' pnor 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 (4f digs s of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this outhonzalion to allow us and your bank to deduct each payment you authorize, in the amount se acted by you, from your bank account You also authorize us to initiate debt 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 1.8t�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 telt 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 5 law You con set automatic payments for (i) statement New Balance, (11) statement Minimum Payment Due, fie) statement Minimum Payment Due plus a Fixed dollar amount, or liv) 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 rsreater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF9your 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 rhe 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 E Min Pay E Mm Pay t I S_.._,,.___..., Fixed Payi.....___._ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment, missed payments, or other defaults on your Account may be reflected in your credit report We normolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transection, 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 ovoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New -Balance on your previous billing statement by the Poyment Due Dote 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 Purchases that first oppear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you moy not get a grace period on new Purchases How We Calculate Interest Charges • Daily bolance Method Including current transactions): We calculate interest charges each billing period by first hgunng the "daily balance" for each Transaction Category Tronsochon Cotegories include standard Purchoses, 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 beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dote 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 I sierest Charges We multiply the doily balance for each Transaction Category by its daily periodic role We do this For each day in the billing period This gives us the interest charges for each Transacnon Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charge: 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 Cosh 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 fiat is owed to you You moy 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 moy monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discovera'card is issued by Discover Bank, Member FDIC 30088288 Questions? Visit www.DIscovar.com or call I.300 -DISCOVER (1-800.347-26B3). DISC VER DISC VER New Balance $1,594.54 WILLIAM 1 CAIVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due 5177.00 Payment Due Dole August 28, 2012 Address, a -mad or telephone chonge2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card You ore overtired Pay the sum of the monthly minimum payment plus the overhmd amount of $94 54 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014015945400000000017700 Opening Date: Jut), 3, 2012 - Closing Date: August 2, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Pees Charged Interest Charged New Balance 51,533 31 0 00 + 000 + 0 00 + 0 00 + 3500 + 26 23 $1,594 54 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credo Line Cosh Advance Credit L,ne Available 51,50000 5000 5800 00 50 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Opening Cashbock Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance to Wow. mune L,9 .nut www.Discover.com Anniversary Month March 0 00 + 0 00 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I.800•DISCOVER (I.800.347.26831 Please have your Discover' card available 3 Write to us at Discover, PO Box 30943. Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449 page 1 of 2 Payment Information New Balance 51,594 54 Minimum Payment Due' 5177 00 Payment Due Date August 28, 2012 'Include; pa;t due amount of $131 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a lote fee of up to 535 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will poy more in interest and it will take you longer to pay off your balance For example .F you make no odditlonat charges . using "this cord and each month you pay You will pay off the balance..hpwn On this statement in about And you will end 142 paying an estimated total of, , Only the minimum payment 8 years 52,753 1 you would like 'Mon -notion about credit counseling services. call 1.800.347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily hock all transactions Make your money worth more "—find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Fees Trans. Dab Jul 28 Date Jul 28 LATE FEE $ 3500 TOTAL FEES FOR THIS PERIOD 35.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS 26 23 000 000 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 os it's available rather than wad for it to orrive 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/paperless iA)1()Dmravrr bunt Monber FIYC ?AILR SI!Ii) Transactions (cont.) Trans. Fos! Date " Date Interest Charged TOTAL INTEREST FOR THIS PERIOD E 26.23 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 157 97 TOTAL INTEREST CHARGED IN 2012 194 42 30088288 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347.2683). DISCOVER DISC VER It pays to DISC VER WIWAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRI is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE BATE { L PERCENTAGE APRI INTEREST SREJE T TO INTEREST CHARGE Purchases 19 99% V $1,545 97 $26 23 Cash Advances 24 9O% $0 SO V = Variable Rale Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Cal 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 Cry, UT 84130-0421 In your letter, give us the following information Account information Your nome and account number Dollar amount The dollar amount of the suspected error Descrrprron 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 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 ore 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 mode a mi take, 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 con apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you ore dissatisfied with the good: or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been mode 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 odverrsement we mailed to you , or if we own the company thot sold you the goods or services I 2 You must hove used your credit cord for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card occount do not qualify 3 You must not yet hove fully pard For the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing of Discover, PO Box 30945; Salt Lake Cry, 1JT 84130.0045 While we investigate, the same rules apply to the disputed amount as discussed above After we knish our investigation, we will tell you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at 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 of the financial institution indicated on your check or to process the payment as a check transaction II payment is processed as an electronic fund transfer, the transfer will be lor 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 yourcheck 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 poyment to any other address or if you use on envelope other than the one provided Payments received in proper form of our processing facility by 5PM local time on any day will be credited to your Account as of that day Poyments 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 Cord Stream, IL 60107.6103 Please allow 7.10 days for delivery 11 your poyment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 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 outomalic payment through a customer service representative by calling I.800-347.2683 Automatic payments will be deducted on the Payment Due Dote unless you request a recurring payment date (e g , the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date fats on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order so schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number, 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 se'ected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as apOicable, io cared on error in the processing of such payment You con cancel a scheduled payment by phone at 1347.2683 or by moil al Discover, PO Box 30421, Soh lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled pament If your payments may vary in amount, we will tell you on each monthly bilking statement when your payment will be made and how much it will be You must ensure that sufhcrent funds are available in your bank account, and all tansoctions must comply with U 5 low You can set automatic payments for (r) datement New Balance, (ir) statement Minimum Payment Due, (1ii) 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 increosed to cover the Minimum Payment Due If the scheduled payment is greaser than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credit or payments after the Closing Dale If you enroll by phone in our automatic payment service, please hll•rn the following blanks below and retain 'he authorization for your records Amount ❑ Full Pay iI Min Pay D. Min Pay + S__ _._ LJ Fixed Pays____..__.-_ Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment, 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 0 inaccurate or Incomplete, please write us at rhe following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose, interest charges on a transaction, fee or interest charge from she day we odd r to the doily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying mlerest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") 11 you pard the New -Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daly Balance Method (including current transactions): We colculote interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categcies 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 beginning balance for each day The beginning balance For the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transection 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 dolly balance for each Transaction Category by it daily periodic rote We do this for each day in the bulling perrod 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 odd up all the daily interest chorges The sum is the total interest charge for the bulling period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We odd Cosh Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the sandal Purchase Transaction Coregory Balance Subject to Interest Rote. Your statement shows o Balance Subject to Interest Rate It shows -his 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 hos a aedr 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 thus amour if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or on 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 30088288 KZNFEcr1 Questions? Visit www.D1scover.com or call 1 -800 -DISCOVER (1.800.347.2683). DISCIVER DISC VER New Balance Minimum Payment Due $1,656.83 5225.00 Payment Due Dale September 28, 2012 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change2 Go to www.Dincover,com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below Please make check Payable to Discover Card You ore overlimit Pay the sum of the monthly minimum payment plus the overlimit amount of 5156 83 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014016568300000000022500 Opening Date: August 3, 2012 - Closing Date: September 2, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,594 54 000 + 0 00 + 000 + 0 00 + 35 00 + 27 29 $1,656 83 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Crede Line Available Cash Advance Credit Line Cash Advance Credit Line Available 51,50000 5000 5800 00 5000 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus,; Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To Morn muse keg :n ul www.Discover.com Anniversary Month March $ 0 00 t 0 00 $ 0.00 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800 -DISCOVER (1.800.347.2683) Please have your Discover card available 3 Write to us at Discover, PO Box 30943, Solt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1.656 83 Minimum Payment Due` $225 00 Payment Due Dole September 28, 2012 'Includes pant due amount of 517700 Late Payment Warning: If we do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will poy more in interest and it will take you longer to pay off your balance For example If you make no oddittonq( Charges . using this card and each month you pay You will pay oFf the balance shown on this statement in about And you will'end up,paying ort estimated foie! ot. , Only the minimum payment 8 years $2,835 f you would like information about credit counseling services, call 1-800.347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bilis online and easily hack all transactions Make your money worth moreSN— find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Fees Trans. Post Date Date Aug 28, Aug 28 LATE FEE TOTAL FEES FOR THIS PERIOD $ 35 00 35.00 Vas INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 27 29 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily cccess 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 o paper copy of your statement anytime • Sign up today at Discover.com/paperless g2U160nrrcrrI k tAnmhe. I LC PAPLR U71V Transactions Trans. Post (cont.) Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 27.29 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30088288 $ 192 97 221 71 Questions? Visit www.Discover.com or call 1 -800-DISCOVER (1-800=347.2683). DISCOVER DISC VER It pays re DISC VER WILLIAM J CALVERT Account number ending in 1713 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 AANNUAjERCENTAGE BALANCE ECT TO INTEREST CHARGERATE RATE Purchases 19 99% V $1,607 71 $27 29 Cash Advances 24 99% $0 $0 V = Variable Rate Information For You "'Discover Home Loans State Licensing Info" Not all applicants are approved Terms and conditions opp'y AZ Mortgage Banker LIC No 0919392, Licensed by the Dept of Corporations under the CA Residential Mortgage Lending Act, Regulated by the CO Division of Real Estate, GA Residential Mortgage Licensee #33265, IL Residential Mortgage Licensee #M8 6760852 -Dept of Financial Regulation, 100 W Randolph, 9th Floor, Chicago, 1L 60601, MA Mortgage Lender & Mortgage Broker LIC #MC837915, Licensed by the MS Dept of flanking and Consumer Finance, Licensed by the NH Banking Dept, NJ Residential Mortgage Lender LIC, OH Mortgage Broker Act Mortgage Banker Exemption #MBMB 850150 000, OR Mortgage Lender LIC #ML -5100, Licensed by the PA Dept of Banking, VA Exempt Company Registration, Licensed in WA under the name of DFS HL Inc , Consumer Loan IJC 4CL.837915, Discover Home loans, Inc 's NMLS #837915 Not available in NV, NY & RI Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately, Call I-800-347.26113. 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 Descrrpnon of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe rt 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 call us. but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error; the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge rn question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mode 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 mise 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 cord account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria obove are met andou ore still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or port of your Account balance at any time However, you must pay of least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope piovided 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 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 cosh, correspondence or other items with your payment, if you send the payment 10 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 °Bei 5PM tocol 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, Card Stream. IL 60197-6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30088288 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or o greater amount that does not exceed your current Account balance, over the telephone or you can setup outomotic 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 payment dale (e gthe 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 (4) digits of the social security number of the primary borrower By providing those number; 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 se'ected by you, from your bank occount You also authorize us to initiate debit or credit enh res to your bunk account, as applicable, to correct an error m the processing of such payment You can cancel a scheduled payment by phone at 1-8M347.2683 or by mail at Discover, PO Box 30421 Soh lake Crry, 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 wrth U 5 law You can set automatic payments for li) statement New Balance, lu) statement Minimum Poyment Due, fin) 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 heed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment rs reater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If -your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic poyment amount maybe less thou The amount indicated on the periodic statement based on credits or payments after the Closing Dale If you enroll by phone in our automatic payment service, please fulbrn the following blanks below and retain the authorrzotion for your records Amount ❑ Full Pay LJ Mtn Pay ❑ Min Pay + $ 7 Fixed Poyf_-_�_-, Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payment;, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 1085(}5316 Please indicate yore 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 balance We continue to impose interest charges until you pay she 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 Advonces How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Holance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase. paid by the Poyment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Merest Charges - Doily Balance Method {including current transactions): We calculote interest charges each billing period by first figuring the "doily 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 begtnnug 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 bulling period We add any interest charges accrued on the previous day's daily balance and any new transactions and leas We odd anynew transactions or fees as of the later of the Transaction Date or the first day of the billing period to which te transaction or fee posted to your Account We subtract any new credits and payments We make other odjustments (including those adjustments required in the "Paying Interest° section) How We Figure Your Total Interest Charges We multiply the doily balance for each Transaction Category by its daily periodic rote We do this For each day in the billingperrod The gives us the interest charges for each Transaction Category To get o daily periodic rote, we divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge for the bulbng period Hew We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cosh Advance Fees so the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Caregory Balance Subject to Interest Rafe. Your statement shows a Balance Subject to Interest Rate It show; this for each transaction category The Balance Subject to Interest Rote is the average of the daily bolonces 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 n 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 jaw For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.3477449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality ossuronce purposes The Discoverwcard is issued by Discover Bank, Member FDIC GM LOU l 30088288 Questions? visit www.Dlicov r,com or call I -800-DISCOVER (1-800.347.2683). DISCOVER' DISC VER New Balance $1,719.26 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due $275.00 Payment Due Date October 28, 2012 Address, e-mail or telephone chonge2 Go to www.Discover.com or print change In space above Account Number ending in 1713 Enter Amount Enclosed Below Please make checkayable to Discover Cord You ore overlimrt flay the sum of the monthly minimum payment plus the overlimit amount of $219 26 PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014017192600000000027500 Opening Date: September 3, 2012 - Closing Dale: Oc Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Tronsfers Cosh Advances Fees Charged Interest Charged New Balance $1,656 83 000 + 000 + 0 00 + 0 00 + 3500 + 27 43 $1,71926 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credn: Line Cosh Advance Credit Lux Awdable $1,50000 $000 $800 00 $000 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Anniversary Month March Opening Cashbock Bonus Balance 5 000 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 0.00 Tu I Torr. num ,g .n ur www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.com 2 Coll 1.800 -DISCOVER II -800.347-2683) Please have your Discover card available 3 Write to us a' Discover, PO Box 30943, Solt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) ass stance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $1,710 26 Minimum Payment Due` $275 00 Payment Due Date October 28, 2012 'Includes past due amount of $225 00 Late Payment Warning: If we do not receive your minimum payment by the dole listed above, you may have to pay a late fee of up to $'35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Warning: II you make only the minimum paymen' each period, you will pay more in interest and it will take you longer to pay off your balance For example If you moke no odd tions( charges .balance using this cord and each month you pay You will pay off the sh6wn on this storement in about And you will end up paying an estimated totol of, , Only the minimum payment 8 years $2,918 If you would like information about credit counseling services, call 1.800.347.1121 Manage Your Account Online at www.Discover.com Access free online tools like Poydown Planner to create a plan to pay down your balance, securely access statements. poy bills online and easily track all transactions Make your money worth more find easy ways to earn and redeem cash rewards NE WI Access your account securely through your mobile phone Transactions Fees Trans. Post Date Date Sep 28 Sep 28 LATE FEE 3500 TOTAL FEES FOR THIS PERIOD 35.00 "SiblitV8 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS 27 43 000 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION D1SC•VER Paperless statements mean Iess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as ti's available rather than wait for tt to arrive in your mailbox. • Get helpful payment reminders through email or text messages on your mobile phone • Print o poper copy of your statement anytime • Sign up today al Discover.com/paperless 5201(1 01,11,/x1 hunt t nniri t0' PAPER 0710 Transactions (cont.) Trans. Post Dab Dab Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 27,43 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 227 97 TOTAL INTEREST CHARGED IN 2012 249 14 30088288 Questions? Visit www.Discover.com or call 1.800•DISCOVER (1.800.347.26831. DISCOVER' DISC VER 1DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2of2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE Purchases Cash Advances V = Variable Rate ANEUAL PERCENTAGE RI 1999b V 24 99% BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $1,670 04 $27 43 $0 $0 Additional knportont 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 on error on your statement, write to us at Discover, PO Box 30421, Solt Lake City, UT 84130-0421 In your letter, give us the following information Account mformahon Your name and occount number Dollar amount The dollar amount of the suspected error Description of Prob'em 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 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 ore 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 mode o 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 ore dissatisfied with the goods or services that you have purchased with your credit cord, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 mules 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 moiled 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 Purchoses 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 fullyy 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, Solt 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 pail of your Account bolance at any tome 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 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 of you use an envelope other than the one provided Payments received in proper form of 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 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 os an electronic debit 30088288 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 dote (e gthe 1 Sth 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 (4) digits of the social security number of the primary borrower By providing those numbers as your electronic :rgnoture, 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 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 m your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (11) statement Minimum Payment Due, (nil 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 os 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 renter than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than rhe 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 [7]Full Pay l__J Min Pay ❑ Mm Pay+ $ LiFixed PayE__ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report Is inaccurate or incomplete, please write us at the following address Discover; PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account"number Paying Interest We begin to impose interest charges on transaction, fee or interest charge hom 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 Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New -Balance on your previous billing statement by the Payment Due Dote shown on that billing statement. we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases Hew We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances. such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance For each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily bolance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dote 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" :action) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rote We do this for each day in the bdhn 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 odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We odd Balance Transfer Fees to the.applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate it shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device fur 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 Discovere'card is issued by Discover Bank, Member FDIC LW t 30088288 Questions? Visit www.Dlscover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER DISC VER` New Balance 51,783.68 WILLIAM J CALVERT 4227 NANTUCKET DR MECHANICSBURG PA 17050-7649 Minimum Payment Due $327.00 Payment Due Bate November 28, 2012 Address, email or telephone change Go to www.Discover.com or pnnl change in space above Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card You ore overlimit Pay the sum of the monthly minimum payment plus the overlrmit amount of $283 68 PO BOX 71084 CHARLOTTE NC 28272.108h 000001986456454272014017836800000000032700 Opening Date: October 3, 2012 - Closing Date: November 2, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $1,719 26 0 00 + 0 00 + 0 00 + 000 + 35 00 + 29 42 $1,783 68 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $1,50000 $000 $800 00 $0 00 You may be able to avoid Interest Charges, see Additional Important Information for details Cashback Bonus' Anniversary Month March Opening Cashback Bonus Balance $ 000 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 0.00 To kuru muse L,q ,,,www.Discover.com 3 Easy Ways to Contact Us Access your account securely at www.Discover.com 2 Call l -800 -DISCOVER (1.800.347.2683 Please have your Discover' card available 3 Write to us at Discover, PO Box 30043, Solt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 1 of 2 Payment Information New Balance $1,78368 Minimum Payment Due' $32700 Payment Due Dote November 28, 2012 'Includes past due amount of $275 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24 99% variable Minimum Payment Waming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no addrnonptchp(ges . using this card and each month you pay You will pay off the balance shown on this statement in about And you will end up.payrng on estimated total of. , Only the minimum payment 8 years $2,997 f you would like information about credit counseling services. call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online took like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more^.•... find easy ways to earn and redeem cash rewards NE VVI Access your account securely through your mobile phone Transactions Fees Trans. Post Date . Date Oct 28 Ocf 28 LATE FEE TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 3500 35.00 $ 29 42 000 000 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon os it's available rather than wad for II to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print o paper copy of your statement onyhme • Sign up today al Discover.comfpoperless C. r0I ^ om o toN i u ,t: 1114,nto i NYC:. RAPER CO iV Transactions Trans. Post (cont.) Dab Date Merest Charged TOTAL INTEREST FOR THIS PERIOD $ 29.42 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 $ 262 97 TOTAL INTEREST CHARGED IN 2012 278 56 30088288 Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800.347.26831. DISCOVER DISC VER hears to DISC VER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rale on your account Current BiII'n9 Period; 31 days TYPE OF BALANCE ANTE I L PERCENTAGE APR) Purchases 19 99% V Cash Advances 24 99% V : Variable Rate BALANCE SUBJECT TO INTEREST RATE $1,733 46 $0 INTEREST CHARGE $29 42 s0 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, Solt lake City, UT 84130-0421 In your letter, give us the following inlormolion Accowit information Your name and account number Dollar amount The dollar amount of the suspected error Descnptron of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe t is o 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 call us, but if you do we are not required lo 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 ore true We connot 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 shot we mode 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 hove to pay the amount in question, you are responsible for the remainder of your balance We con 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 ciedit card, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must hove been made on your home state or within 100 miles of your current mailing address, and the purchase price must have been more than 550 (Note Neither of (hese are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 2 You must hove used your credit card for the purchase Purchases mode 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 84130-0945 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 os delinquent Payments. You may pay all or part of your Account balance a1 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 inbrmation 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 o 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 os the same day we receive your payment, and you will not receive your check back from your hnoncial 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 of our processing Iacarty by 5PM local time on any day will be credited to your Account a; of thot 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 misploced 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 rs returned unpaid, we reserve the right to resubmit 1 os an electronic debit 30088288 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 con setup oulomatrc payments Through a customer service representative by calling 1-800-347.2683 Automatic payments will be deducted on the Payment Due Date unless you requed a recurring payment date (e g , the 15th doy of the month) that occurs before your Payment Due Date II your scheduled payment date falls on a weekend or bonk holiday, your payment will be processed the business doyrior to the weekend or bank holiday In order so schedule monthly payments bystatementtelephone, you will need this statement andyourbank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each 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 of 1.8W-347.2683 or by mad of Discover, PO Box 30421, Solt 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 statoment when your payment will be made and how much it will be You must ensure that sufficrenl finds are available in your bank account, and all transochons must comply with U 5 low You con set automatic payments for (r) statement New Balance, hi) statement Minimum Payment Due, (nr) stotement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to covet the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment For that month will be increased to cover the Minimum Poyment Due If the scheduled payment *greater than the Mmrmum Payment Due, any excess will be applied in occordonce with your Cardmember Agreement IFyour scheduled payment is greater Than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may less Than rhe amount indicated on the periodic statement based on credits or payments offer the Closing Dale If you enroll by phone in our automotic payment service, please fuR•in the following blanks below and retain the authorization for your records Amount Full Pay a Min Pay ❑Min Pay + 5.... fixed Bank Routing # Bank Account # Frequency Credit RepsMMng. We rnoy report information about your Account to credit bureaus Late payment:, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month 11 you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on o transaction, Fee or interest charge horn the day we add r 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 an Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period") If you paid the New Balance on your previous billing statement by the Poyment 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 ;hat first appear on the current billing statement How We Apply Payments Moy Impact Your Grace Period If you do not pay your New Balance in full eoch 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 hgunng the "doily balance" for each Transaction Category Transaction Categories include standord Purchases, standard Cosh Advances and different promotional bolances, such as Balance Transfers How We Figure the Dray 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 doy 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 transections or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the doily balance for each Transaction Category by its daily periodic rote We do this For eoch day in the billing period This gives us the interest charges For each Transac+ion Category To get a daily periodic rate, we divide the APR thot applies to the Transaction Category by 365 We odd 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 Category We add Cosh Advance Fees to the applicable Cash Advance Transaction Category We add all other fee: to the rondo d Purchase Transaction Category Balance Subject to Interest Rale. 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 oFthe 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 balancers 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 Si 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 moy monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover`Dcard is issued by Discover Bonk, Member FDIC limquu i 30088288 Questions? Visit www.D(scovar.com or call 1 -800 -DISCOVER (1-800.347.2683). DISCOVER DISCOVER New Balance 60.00 30 SDSN6A01 0002456 WILLIAM J CALVERT 4227 NANTUCKET DR MECHANICSBURG PA 17050-7649 Minimum Payment Due I ' S381.00 'l-aymentlsi o Date — December 25, 2012 Address, e-mail or telephone change; Go to www.Discover.com or print change in space above. Account Number ending in 1713 Enter Amount Enclosed Below Tett APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 6103 lilrrrll Ilrllrrrlrrrll CAROL STREAM IL 60197-6103 11111111 IfblrJrrrLll 1111 IIrlI.,i ,II l,,ll 000001986456454272014000000000000000038100 Opening Date: November 3, 2012 - Closing Date: November 30, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance *1,783.68 1,783.68 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00 $0.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1,500.00 $0.00 *800.00 *0.00 Cashback Bonus* Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month March $ 0.00 + 0.00 Cashback Bonus Balance To barn more, log In at www.Discever.com $ 0.00 page 1 of 2 Payment Information New Balance $0.00 Minimum Payment Due $381.00 Payment Due Date December 25, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late Fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 24.99% variable. Manage Your Account Online at www.Discover.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money worth moresm—find easy ways to earn and.redeem..cash rewards NEW! Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Coll 1 -800 -DISCOVER (1.800.347.2683). Please have your Discover® card availob e. 3, Write to us at Discover PO Box 30943, Salt Lake City, UT 8.410 (Not a payment address) For payments, islease send to address on remittance or Discover, PO BOx 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deal) assistance, please call 1.800.347.7449. Transactions Date 'Date Payments and Credits Nov 30 Nov 30 CHARGE OFF ACCOUNT -PRINCIPALS $ 1,783.68 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 .bterest.Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30088288 $ 262.97 278.56 NOTICE: SEE. REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 aieo+er Bank, Menem FDIC PAPEe.031O 30088288 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347.2683). DISCOVER' DISCOVER It pays 10 DISCOVER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Baling Period: 28 days TYPE OF BALANCE BATE�PERCENTAGE Purchases 19.99% V $0 Cash Advances 24.99% $0 V . Variable Rate BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE $0 30 Additional knportant Information See your Cprdmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1400-347-2683. 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 leiter, 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 tt iso 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 cad 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 onyour statement, and we may continue to charge you interest on that amount. But, if ffra we determine t we mode a mistake, will not have to pay the amount in question or any interest or other fees related to that amount. While you do not hove to pay the amount In question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the ggoods or services that you have purchased with your credit card, and you have hied in good faith to correct the probtem 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 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 metand 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 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 payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of Inc check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back From your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or 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. 0 you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 601976103. Please allow 7-10 days for delivery. 0 your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. 30088288 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER You can pay ur monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the tele one or you can setup automatic payments through a customer service representative by calling 1-800.347- 683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring 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 dayprior to the weekend or bank holiday. In order to schedule monthly payments bytelephone, you will need this statement andpyour bank account information. You will be asked to provide the last Four 14) 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 payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347.2683 or by mail at Discover, PO Box 30421 Salt'lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for (1) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) o fixed dollar amount. If your scheduled fixed payment is not enough to cover the Minimum 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 isreater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. li9your 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 Fdl.in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay 0 Min Pay ❑ Min Pay + S , 0 Fixed Pay$ Bank Routing #• , Bank Account # , Frequency: Croda 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. Ifbelieve that our report is inaccurate or incomplete, please write us at the following address: Discover PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest: We begin to impose interest charges on o 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 con avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid !winos Interest on Purchases ("Grace Period") 11 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 first appear on the current billing statement. How We Apply Payments Ma Impact Your Grace Period It you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges Daly Balance Method (including current transactions): We cakulate 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 beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the lost day of your previous billing period We add any interest charges accrued on the previous days 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 odd.up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Foes We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cosh Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rab. 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. 1f 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 o refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable low. For TDmmuth D (Tel.conications Device for e Deaf) assistance, please call 1.800.347-7449. Disago9 for and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank, Member FDIC RZNFEOOI Questions? Visit www.Discover.com or call 1.800 -DISCOVER (1-800-347-2683). DISC•VER SX2 9S,Z000 /0V9NSOS DISC" VER New Balance $0.00 30 SDSN6A010000227 WILLIAM J CALVERT 4227 ``NANTUCKET DR MECHANICSBURG PA 17050-7649 Minimum Payment Due Account Number ending in 1713 $381.00 Enter Amount Enclosed Below Payment Due Date December 25, 2012 Address, e-mail or telephone ci angeR Go to www.Discover.cem or print change in space above. Text APP to DISCOV• to receive a ink to our free mobile app and pay your bill in seconds from anywhere! PO BOX 6103 11111111 llrlIrsletrll CAROL STREAM IL 60197-6103 LILdLirnr111ri1oLkrLll IIILnnlldl ILrliril 000001986456454272014000000000000000038100 Opening Date: November 3, 2012 - Closing Date: November 30, 2012 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cosh Advances Fees Charged Interest Charged New Balance $1,783.68 1,783.68 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00 $0.00 See Interest Charge Cakulation section following tronsactions for detailed APR information Credit Line Credit Una Available Cash Advance Credit Line Cash Advance Credit Line Available 11,500.00 $0.00 3800.00 $0.00 Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Anniversary Month March $ 0.00 + 0.00 Cashback Bonus Balance To learn more, login al www.D'rscover.00m $ 0.00 page1of2 Payment Information New Balance Minimum Payment Due Payment Due Date 10,00 3381.00 December 25, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a We fee of up to 335.00 and your purchase and balance transfer APRs For new transactions may be increased up to the Penalty APR of 24.99% variable. Manage Your Account Online at www.Discover.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money worth more SM—find easy ways to eam and redeem cash rewards NEWI Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1.800 -DISCOVER (1-800.347.2683). Please have your Discover® card available. 3. Write to us at Discover PO Box 30943, Salt Lake City, UT 8410 (Not a payment address) For payments, ease send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 601974103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. Transactions Trans. Post Date Date Payments and Credits Nov 30 Nov 30 CHARGE OFF ACCOUNT -PRINCIPALS $ 1,783.68 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Merged TOTAL INTEREST FOR THIS PERIOD 3 0.00 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30088288 $ 262.97 278.56 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downioadable, password protected statements. • See your statement as soon as it's a4ailable 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 o paper copy of your statement anytime. • Sign up today at Discover.com/popterless 07010 DIKcve' Bank, Member FDIC PAPE 0310 30088288 Questions? Visit www.Discover.com or call 1 .800 -DISCOVER (1.800-3472663). DISCOVER 5XZ LiZ0000LOV9NSOS DISCOVER Pays10 DISCOVER WILLIAM J CALVERT Account number ending in 1713 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annul interest rate on your account. Current tiling Period: 28 days TYPE OF BALANCE ANNUALERCENTAGE RATE (APR) Purchases 19.99% V Cash Advances 24.99% V . Variable Rate BAIANCE SUBJECT TO INTEREST RATE So SO INTEREST CHARGE So So Additional Important Monnotion See your Cardrnember Afgreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Cab 1-800347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think then 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. pescrialion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe disc; mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in in writin . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to coped 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 wig not have to pay the amount in question or any interest or other fees related to that amount. While you do not have toy the amount in question, you ore responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rfahts If You Ate Dissatisfied With Your Credit Card Purchases 0 you are dissatisfied with the goods or services that you lave 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 mode 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 wrdir at: Discover, PO Box 30945, Solt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,rrt we will dell you t our decision. At that point, iF we think you owe an amount and you do not pay we may report you 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 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 send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing Facility by SPM local time on any day will be credited to your Account as of that day. Payments received at our processing focilty after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope, sand your payment to Discover, PO Box 6103 Carol Stream, IL 601974103. Please allow 7.10 days for delivery. IF your payment Is returned unpaid, we reserve the rigit to resubmit it as an electronic debit. 30088288 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Important Information r:' Isere is more Marr Inc Pape to this erring slatenceml See the back o -each page for adenoid erpurant tnlcnrraben See your Cardmember Agreement. Your Car*r:emberA;peenel cc aua al the Isms 01 year Accovni Lost or stolen cards Report cameo aaly' Cap 1-B00•347.2683. Billing Rights Summary Ir Case of Enamor OueslideM About Your BFI I1 you thud your MR is wrong, or p you need more mtornlabor ltpn a uansoohec on your DA, . wn10'1 r us cit a imamate sharer of paper n; D(00111 1. PO Ear 53421 Salt Lake Gay UT AV ;C-0421 as soros Ae possible MI nem!. hoar ham you rl r :n than 0C days after we tante you Ito kV. IM, on wrurh lhr sour or muttan! appeared You can telephone us Lan deg so iaa!I hot preserae your rights Ir your leiter give us he foeovang information • Your ramp and Account number • 1 ne cdf sr amount et Me suspected error • Descnbe Re on! and ecp or i you can, *try yah behave there le an or nr 11 ya, iron more ,o5rmr0ram d.'se n e the nem you ere amara eat You do not have to pay any amount in question while 0031 are al v300gatrw tut you are its 0111131 d fe pry the parts DI your Dal that ere not 0 guen.oi Winn v,o investigate your I (0111 an we =not repo l you as delinquent GI take :pry eci0n IC c3leri rhe arruni soar euesboo Special Rule for Credit Card Purchases' If you have u patient win in quality 01 gads o+ sercioes 001 you purc!1ase0 w'nti a tient card, and yea have tett el good Tint IC CRferi the. emblem well the merchant you may not have to pay Ito remit op amount the on ,he ; owls se Serums hue have 1M5 erorecticn a! 7 when the purchase phare was erre char 050 a011 the purchase sires made in your name state or mlhm 100 al=es al your riro rg address Mem em oral or operate the merdlart or if vre roasted you the advertisement for !Ire goods 7r son des al; pun:hasis ars (000ned reaariess nl the 0nraunt or 50ealem of pur0t!aso ) Payments Send 7110 your payment and Me lop porton cI Con statement In the n rtmhpe prowled Do net send Iasi; By sensing your check as destnhes 0507:2 you mato02e us I7 use Wenner r, an your check la Italie an electrons: hind master from yolratreum al the 60arrna° institution incite, on yaw check 0110 proems he gorier! as a check 5 1(0atlkh1 tl payment is pmces5ec as ao eete0eC fund transfer the transfer net De for the amaurt of the check 11 ter. 11040110111000511 yota check t0 make ar electronic lend Dar suer ru+zk n:;;Y he miidrawn front rano mrM as 0001::s dee same day we receive your paymen i. and you MI net :rc! eyour Med( basil 0:0011 year 6nanaal msbu!xm The processing 7f /en' paynierIt may to delayed it you send cash marespinderme or other hers with yes tamer!. mat Send the payment ^, any o3er a&UesS Or 11 VOL: use fir enve ope ohne, Iran the cure premed Pa ane ds recoiled in proper forma; cur prexsSun) `eel1ry S0 5PM Mimi uric or any say Yid be creend !o your Arco irlr as _I that day Payments (curved at ;xn pracessmg faddy altar 6P:1 local tone *,i he thudded to iso Atm. n! as of the net airy If you nave misplaced 7010101010310001 your payment to Orcver PO Balt 6100 Carol Stream IL 601976/03 Please 31100 T-10 days for delivery II yuto payment is 1tun0d unpaved vin ewers 110 nuhl to r_rsabmit it as an Menem deist You can pay your Montan payment era greater amdhnll ower the Telephone, and you can sol up au. 0030 payments CaO us a! 1.8t0-341-2.355 You we need lies Atatemot and your bank acahmt ricarn1t[m You must an51J 0 Thal sofa:int runes are AtliAble m your hank accent. arm or tri J 50107 ns must cl0rtpty r015'3 S law You vii he ,risked to pl000de Poe fest ti omits of yam a'.c:luni siaternent ZIP male By entering close neuters as van elech00t1 signature, you wet be agreeing to inn authonra'ran to mJ7a us and your hank 10 deduct each paymerty,v authorize from your hank amour! art r0 tenet detail or vein 0 a:e5 M soca, bank account as amoral*.etwren: an error to he processing of such payment You must tell us die airman! cf east' paynte t a you can wrest ail010.0111 such as ter Minium Psyrrenl Due or the New lye ante on earl: state ;w_nm Yeu tan sante: a payment. invent rya rust rerene nonce at least duce bustles drays 01 advance of :he achnluk:d payarxnrt You may nrn.ry us by phone or ' •800 (4? -2E50 or try nail ar the actress ksg l in the pr00i1 paragraph If your payments vary n amcwnl we mil ;ell ye, on, each monthly Ca:ereel wren, your payment sal be male and hour rnrch pull be Your au!anaio: payment 5017050111017 be !vas than: Rica at cit the mammy sate e,lt bei ee ant amts n payfliens upon during nn hd pay cycir, Credit Roporting We may report lrfcrmaa.n about your account lo coeds bure900 Late payments missed payments. er ober d04uf5 on your aurum may be rerlecter, in your meal o31015 4Ye normally mood the s6ws and payavaut history cif war 0W11r! k; credal rending agencies 0001 rurit I! voa 0011(• that our rend ,s r010010t0 x n:jrrpkle. {pease wile us at the !iming address 010000he. PO Bos 100316, t`idinry!nn DE 19850 551( 1alE4a1e (111)1;2 y ar name address none le epY.yre nuttier ani Account planer Grace Period on Purchases (at least 25 days(. We begot n impose Periods Fit aoce Cfarges on all lrmrsaclons Fran t.10 Transaction Dale tor Ire 11300003110 as show, c0 your tailing statement beless n transadso a auslod to yam iecounl after to Mast of the Kling perm: of which 0 mans el wh'd1 case -.100 hop 00 impose Pervert !Anton CtxgeS on tart 11900(1000 freer the first dey of the b7'oc pencil in Mutt. e,0 possei to 70'ar A:csun: We pongee to repose Penedos Prince Charges La0al et :dale you pay your enure New Ba'ance by meanie, payments or remving erects However if you paid Moe New Balance on your (11000 s Ming statement ay re Paprerf Due Date shown on that D!'i.sng statement and you pay the New Balance ty the Payment Doe Dantean year rumen! ging statement. eve vrb rear rapoti0 Pem+Aic Finance Charges an new, purchases, that us presses its: :wearing or the torrent tr1110 st3lea1ent ',Are can I:•s the'grace 8010: ' There is no grace period on baiance transfers Oh cash advances Minimum Finance Charge. We w,I charge you a minimum FINANCE CHARGE of 02 00 for any D:;:mg pence m which Per wire Frra-ce Cham es of less Iran 52:10 would other511e be reposed Annual Fee lima Accont noes an annus: lee 't va 1 y, b11kd at the begcn:rr of each anniversary year your Acour: Is nen The amount o1 the !pe 0(00500110111110010(110510 ren. 5 Defied The manual fee >5 not refundable inte55 soap. n0l4 1 o Mar Vora m1h Ire dn5e your Ammo!, mem ,ill say's e! lhnt ira''.my or ee!very dale of Ire statement c. n04•d^ She fee n b!let Yob w4i re0urse Ihii (Chane even if set Use your Card dung that ;,eon Panodic Finance Charges. We soot your traus cbors men groups of 5aylf hsrs uas!1 adv 01315 a^d 5001ni:e t:oust, s art Then krh0n sod the Frame:10 ;011s 'mho o tach 0101Aa fly IherAr.nns.1 Percentage Rale Fe; elar tyle punia555 subject (., a prr,nbtalal rale and pnrrha4es soiled lc a stareve ode would De separate grasps tie refer :ct these piens a5 Ice:ea: t o o rrtr90les At m0 end ellac : talhng ;emnd wit cratp.3 trafances mut Pernik Fi5rem Charges fru earn day 01 Me 11111 5 lanai 0/10111111 IransArnen rategilrj We uses plc 1:55 mrra equalise to 00011171 Pends F0'IIOCc Glagesla each aancaiden category (Ammar: Oaey Ba'-a'Fcc) Mmes icon in 001(19 ireread} Rees (Dc'dy Ponu•J'c Relel (You may er to the :finance d1arge summary on your bffine satemenl (CT Rese amounts) Then rim ads cp the Periodic Finance Charges ter seen transe0100 ca!e3aay huger 1110 5050711110110 Fnarral CreatCh fur man Att 3i15 Pau Ayeage Daly Banta is slalom as zeia if 001011lail of Ingrace t end 10 Peoudic Flynn Charges apply re the Planar:in a Da003 hue category We use lee Average Daey B0snre grinning new 11011000100101 met rad Of carculanng the tattier upon wrath vac amass, Per•eds: Finance Chacgrs Stie rampcur tl e Avrrrcpe Daily Beane for each terse:tion category 7y adding up all the da.`y 010131 e& 111 a 011019 peoe1 Mr a transactor, category and d111311 g the Mta' mime rurrDer DI days n Me 01108 per,a We compute the daily Inhume for each lian500tton colegory on ead1 day by fir;; adding Ma Idk;iling to the previous days d_L 7 balance frallea(bleO With a Transact',', 010,10115101 day as shorn cit your bpsng statement unless the Dansa.n0n ts posted ie yo.,r A0ceral ate' tna chose 0i the 011;11419 period atwitter, tt occurs 11 wroth case the 11ana00t50 w&i he added to Mhu:laity balances es e0 the fist day of the biting periodic one01 d is posted to your Account 'sea &argerd lilt day:art 1.011,110 reran~: Changes accrued a• no ?somas da; s natty baler:* and ay !Mao suxrattlg any areas and p•_aymen5 that art ap;ired Menai the balance ceIle iromacsyn 0 1CgOry or that day In caia:ta;rr:p the daily ha101 ce forme first day o! (0 bithrrg period, we insert, tare the<•c..s tay's dal; balance to haw: Mien year 10311/10110 eaci'v0100C10n: attr;ory rn Re last day 7` year preaorm Odi,nf pond at Mrs charged to you' Accord are added t the standard purchase 110111 ebur category *nth the excr hdn of Cash Advance Transaction Fee France Charges which are adds.! to he applicattrittottiorisockante. catoi(.ry ar,d Balance Tr:rosier Transaction Foe Poo nee Chutes yhrch are edited to 1(0, 7 j0ca7e 0aLarce transit!, tralsac!rx: 0Regcry When the se- 1A4.t4t4,5A.4, r[11440vie the unpaid balance ti the balance transfer am) the Solent* Tenter T;ansaehon Fee ^mems Charges 10 the standare purx/aso transaction mom HOWeVer If ate spent 3!e has brain 'emanated anise !hoe D010:1 Rce sector we Max: the unpaid beware c1 Mu 0010000 k3nster arc IN: Balance rear seer Transall o, Fent Ftaa^ce Charges m Ile app`Ic*bin Delance harder transact= category uab the special rate- would have viand For TDD ITelecommunrations Device for the Deaf) assistance please call 14100347.7449 Newer may motor erne, record telephone calls between you end Oosrarsr representatives kit quoely assurance purposes The D,s0rner caro is issued by NUM!' Bonk Member FOIL 017015191 DISC VER' New Balance S1,457.27 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due S43.00 Payment Due Date August 39, 2009 Address, e-mail or telephone change? Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer: Account Number ending in 1713 Enter Amount Enclosed Below $ 1. Please make check payable to Discover Card or pay online 01 Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014572700000000004300 Discover More Card Account Summary Closing Date: August 4, 2009 Account number ending in 1713 Previous Balance Payment Due Date August 30, 2009 Payments And Credits Minimum Payment Due $43 00 Purchases Credit Limit $1,500 00 Cash Advances Credit Available $42 00 Balance Transfers Cash Credit Limit $800 00 Finance Charges Cash Credit Available $42 00 New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details page I of 1 $1,354 98 44 89 122 33 000 0 00 + 24 85 $1,457 27 Cashback Bonus' Cashbock Bonuses Anniversary Month March Keep budding your rewards with every purchase Start redeeming once you reach $20 Cashbock Bonus(R) Opening Cashbock Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3 88 + 0.24 $ 4.12 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information. earn and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347-2683) for fast, easy self-service ophons or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions 50 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Jul 28 IDENTITY THEFT FEE REFUND • MONTHLY Jul 30 INTERNET PAYMENT - THANK YOU Jul 5 CIGARS 4842850400 PA Jul 6 Jul 6 IHOP 588 WOODBRIDGE VA Payments and Credits Jul 28 Jul 30 Merchandise/Retai Jul 2 Restaurants Other/Miscellaneous Jul 12 Jul 12 IDENTITY THEFT PROTECT 800.347-3089 UT Aug 4 Aug 4 PAYMENT PROTECTION PPD 1-877.883-1959 -4 89 -40 00 70 49 2900 9 99 12 85 Finance Charge Summary Average Daily Balances current billing period 31 days Daily Periodic Rates Nominal ANNUAL ANNUAL PES RCENTAGE PPERCENTAGE Pu cf �a'ee� A $1464 28 0 05477% 19 99% V 19 99% C�talt�$ $0 0 06847ro 24 99% F 24 99% The rotes that apply to your Account ore either fixed (F) or they may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $24 85 $0 $0 $0 Important Information if there ism ere ear ere page-to ems bEry statement See the back of each u.cta ler aide mei important information See your Cardmember Agreement. Your CarraenterAiyeerner4 contains a5lhe leans of yon A.rcoeni Lost or stolen cards Read immsamelyl Cali 1400.347.2603. Billing Rights Summary In Case of eras Or Guestrs Abate:Yaw 517 If you Mink your ba is wrong, or d you need mere mIcaelaoon abzil a landslide on your b 0. rare to us cm a separate steel of paper at D;srxyiut. PO c"ox ,30421 Sat lav Cty UT 9412.-0421 as SCK.' s possible :'de INN hear tram yru nn tabu hen BO days eke, wE.seiy, you ex feet 176 nn wrist the error or prober, appeared You cell leieohbne us but drag sic Milt not preserve your nghIs Ir yore 'letter give us the biasing n'crmater • Your name and Acceen number • The does r aimpet of me suspected error • Describe the ecru! and eg3ac! F you can. wiry you believe there rs an erne,: 11 yc: r:tlrd acne intimation descn10 the item: you are unsure about You do not have ;a pay any amount le question whit 00 are ntreskgaunc tut you are et i °impaled lc par the pars 5f your 56 !hal ere nn; n auestvm Valle we investigate your mesion we coo 1111 report you as delinquent or take any action re detect the amount ye,, question Special Rule for Credit Card Purchases- II you l .* a p'oblent nth the guahly of ids 0! services Dat yey purchased will a bed; card, and you have triton good Int% to correct the problem with the merchant you may not have to pay due rnntaa1 1 amountdue on the goods or 5ernoes You here this bri nes:ion only vdien the plrchas: puce was more Mar 550 end the putanase eves rade rn your Kant slate or wihin 100 mats al your mailing address (Uwe own or operate the merchant or . we malted you the titherese dent fur the goads or services all puh:hascs are covered rarer-leas of the 0000,1 or human of purhase Payments Send only your payment and Me lop porgy cf his staloIT e, tin N1 enae-we provided Do rel send cash By smiting your check a; Sescobee above you Wheeze u5 to use Wamm2Rir, o-1 your fleck In make an 555,1101,0 haft transfer from your accawe at Ire firearm- nstilule0 indicated egi yrvrr check Cr Ib (moss Hie to niee! 01 a choreic uan500555 It cartel* pocessec as an e.SC500:C fund transfer 11e vat*ster vall',.P. for Me amount of the check ternt: vse information from yo1T check b mate en tiler:nomc fend transfer run's may he en0;d'awn tram yru' 00.rnfnt as snort es he same day we reaxxr beyrn 5 . and you :ill nal receive Yore ted, Pali from your Enamel mStr:: ino The prcrcesseig of your payment may be d4i4e0; you semi cosh axrespordalCe cr ether dens with year payment if you send Me pa'yrnert te any 0a'er adding. a tf yue use an ervetclpe drier than the one vowed Payments received re proper brm a: oor pro 051cy tadily y' SPI.i locyri erre or any day 0,1 be .credited to yea Armin as of Ilial day Payments io er.srd a: m r pmcessnrg !a i ly aper51" 3 itr,;al time %el be needed to man Acx+unt es of b+e ne5, buy If tau have misplaced you; envelope, send y5r payment la Orseautir PO Box 6153 Carel Stream IL 60197-5153 P!case alloy 7-.10 days lcrr &&Mary h y;15 payment h 015/0015 tnlpcld we rine hie the ac11110 ras::bent it aerie electronic richt You ren par you: mrananun payment el a greater amount oaf the telephone. and y+w can set up atconotr11 payments Call u5 at 1.001.1.3,57.2155;t You 041 Beed linos s lever:t and your bank acm::m irdemmalra Mu intim ensu* Ola! sirft,reni funds are ratable m your hank account aim dl 1arsamtons must nano!), oath U 5 low You vn3 he askcc to mode the I:r51 5 093of y,ur 0cauni statement ZIP curie By entering Most non be* as your tlee:Yonit signature, yen.: sett! be eg555 55, lc this authorization la alow us and your bank to deduct eagr parer; lrki authorize font your barb 0500am and to hlnal5 debt en credo pries* Kra bank amour' as epp• 1td.+°e.:•c! torted en error 1! Nie processing of such payment You must lef) us the amount of each payment or yea ran select an amomtl such 55 ON 6:rnmum Payment Due or the New Da arae on tad: stareme s You can cancel a Payment. however we mist recover notice of kasl trice business days s'1 arlvnnte of the schN1l lecl payment You may notify us by phone at 1400-347-2683 at 1.5 rad at doe aadreas lisle f in erre perms 01, palag0pl ll your paymem spry r amount we '81 :eh ye, an tars 00:151'55 sa:e5 eat anon yeti% payment sett be 1 e55, and how march it wit be Yew 0,01730r: payment amount may be 14.15 01ar. 0110,15' err. Nat monthly slater lent based dr: credits 0 par lni apolnal drrnny the Wiimy oboe Credit Roporting We may report r ift: mater) about your account 1:mat bureaus rale payments missed parents. or o55e; defaults on yoi;r am :crni may be reftecteu rot your ore& +150* WC lsa0nolly report the status and 505nvin history of your amount !e credit reporting agenem0 each mrrdi II yap bel,evc hat out report r5 005410/815 01 a!Co peace. pemse wale us at he 151031,01d''Jes1 061110.01. PO Boa 15316• 'red ring'0r1 DE 19850 5510 Please rtcknle tour name a4i!es5 hate telepara'f turtle, am ACM:111 n0mb01 Grace Period on Purchases (al feast 25 days). Pie beam :o impose Period, r. Finance Charges on ell Irulsacocr's Son the Transactor Date for he bra nsa,.trem as shorn: an your b!krg 5hdeni0 t cr,iess c Irorsadr0: rs ousted to your i,rcotad after the cbyse of me baling tut 0r1 In eomeh it ;x'surs n whr;h case vat bap; to Impose Person thrum, etargeS on awe transaa¢n bon Ire 5151 day o: the b9Mg penal in which r. s poste: 1e baa Awuun: ttie w hired Id 0po5e P,noduc Finance Changes mud tne date you Pay your entire New Balance by making payments or remising erodes However if yah paid the Nen Baena an wan prer:c00 Wing statement xy the Payment Out Date SrEJW1 a+ that d?f..g statement and you pay 0!c New Balance by to Pa) 0141: Doe Date tut your raven! blimp statement we vat- nal impose.Prrrd'c Omar t Charges an new purchsk's, Mats purchases fast appearing or dm cuoetl 51nn statement We call Ory Me 'grace prima " There 11 ea grade period 001,3101105 hansYrs or cash advances Minimum Finance Charge. We all charge you a manimum FINANCE CHARGE 052 55 for any bang pence h which Periodic Frraoce Charges or less Man $210 eiould 015505515 brfa.posel Annual Fee if your Ascuant ries an annual lee ihnin be bulled et tit beg1r0n5 nl each anniversary yea your Arnaud 1s puce The armlet of the fee appears en the sltemerr when the feels tined The annual fee %s net refundable unless yr,L note, Lis that ;boa met, ender y1 rrAmoted awOlm 30 nays el Ilse rang CA delivery dare of the stafen'.efe W. which 01e lope 15 Milled 506 w4 remove lhrs (0 1115 M•0!1 d you use bow Card during that periee Periodic Finance Charges. We van bloc lslnsso:lo4re rude gm ,r.'S of:ardtases cash adurnxes and Nonce t!arSfefs and then Who, xmn the tansacnms :slim each poem by Mee i71m, Percentage Rate Fcr example purrAases sobbed to a p!onr ectal rate and punier es salmi to a standard rete woad be separate groups We hider a these grav1s as Iransa:.trr+ ramr.'(foaes :.t the end of rain 40153 419851 eye. cranp..'0 to anew and Penolhl Finance Charges is earl; drug ul Ihr: bang penad eatn lrursannza rateg:rd :';e use Me fcft5entg C5uah5n tic Cannot 5000dle F trance Chargef ter cad+0*10051lo; category tAvetag!: Gary Bah me) limes (days m 6819 period) ernes (Deny Pointer Rine) (You may refer se the trance charge summary 1x1 Your bang Statement for Mese amounts ) Then we aa: up the F,nodic Finante Charges for east transactor category le get ire lam Por lir. Finame1 .Cnoier,r tax pa Account Tnt! Average D04)' Batdn:e rs slvral es mro it because or Oa: grace poral nu Penudre Fianna Charges aptly to the batons in a trensa3315' category we use the Arentge. Diary Sawn. (marling new ren5.al.ramo) melh:C 0! catruheng the balance dorm such ire ngxrse PenObrc Finence Charges We ample Nle Average 01141 Urania far each tarsector category by ad1ng up all the ds1:y balancea :n a h Iieg pence ler a lianas-con 02;55515 and dividing Nle tial by the cumber al days am the bang pe+cd We compute the dart' balance fes each b„nsaet,on category on eail da, by yrs; adding Ole 1a,^.rwranq :0 he p'ee'roue day 0 dory balance transactions with a Trarsac0e" Dave of dial doses shown en your bang statement. unless lite transactions posted is yore Account alter he close of the bflnlg pent,' m 0han rt occurs re wh:th case m•: tan 59 chon anal be added to It,.:faay balance as of the lust day rl 111'01109 period if, winch l lo posed to your Arzxrunt 'eras charged Ilial day and Puhndlc Finance Charges ecuued Cr the previous days ruby balance and ay then subtracting any credits and payr,•ents that are applied 300:11M:he Pelona. of he henSaCtnn category on Orval day 1 caludatnp tee daily banned for the fit day al the hitting pored, +ec ra+'s 1r 1'1141:1C„e da y's dxly la500 114 have been your warm, tor, oath t0051Saetrin category nn the Ids; day of yea prtvrus biting period At lees charged le yam Account art added x the standard purchase transaction catego , with !ire c^rcestian of Cash Advance Transaction Fee Finance Charges 1vhch are added M Nle 11414*n aaet�c�q }Qti'•��ri�t@tpilaacr.*eon raingc!Y and Balance Transfer Trans.wtm' Fee Rhonda Charges a:htdm are aoeled be ttto aue00able 1Kfta:m'ramie, transaction a utgery When.. the spec mems msocve :e unpaid balance of he balance transfer and the Balance Trenstr Transaction pee France Charges to the standard purdnse transact= a tegory Havnlver if Me 55401131 rata his been •em1nate0 0nlaer the Default Rate 1051011 NV le;x the unpa xi 50kan:x ct 11* bolanoe b'51' and the Baan00 r,to,'r T'ansacMm Fee Fc lance Charges a, the app7Catae balance transfer aencacaat category until the speclo1 rate would have mired For TDD (TeI0communicatlons Device for the Deaf) as5151ance please call 1400.347.7449 Discover may rn5rn a ardor record telephone rolls hen ren }tan end Discover representanues for deafly assurance purposes The Discme4 rare is essled by Discover Bank Member FDC OITBK191 DISC VER New Bolance Minimum Payment Due. $1,451.86 $43.00 Payment Due Date September 29, 2009 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer: Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online CO Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014518600000000004300 Discover More Card Account Summary Closing Date: September 4, 2009 Account number ending in 1713 Payment Due Date September 29, 2009 Minimum Payment Due $43 00 Credit Limit $1,50000 Credit Available $48 00 Cosh Credit Limit $800 00 Cosh Credit Available $48 00 page 1 of 1 Previous Balance $1,457 27 Payments And Credits 43 00 Purchases 12 80 Cash Advances 0 00 Balance Transfers 0 00 Finance Charges 24 79 New Balance = $1,451 86 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback Bonus® Anniversary Month March Keep budding your rewards with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 4 12 0.00 4,12 How Can We Help You? It's your choice - 3 ways to help Please hove your Discover Card available For TDD (assistance for hearing iinpoired) see reverse side 1 Visit Discover.com to pay your bill For no cost, view your latest Account information, eam and redeem rewards and more 2 Call 1 -800 -DISCOVER (347-2683) For fast, easy self-service options or to peak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous 50 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Aug 30 Aug 30 INTERNET PAYMEI'IT - THANK YOU Sep 4 Sep 4 PAYMENT PROTECTION PPD 1.877.883-1959 .43 00 12 80 Finance Charge Summary Average Daily Balances Daily Periodic Rates Nominal ANNUAL ANNUAL RATES PERCENTAGE PPEERENTAGE Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES current billing period 31 days Pu c a'et $1460 95 0 05477:0 19 99% V 19 99% $24 79 Cc6�A gga88 $0 0 06847% 24 99% F 24 99% $0 The rotes that apply to your Account are either fixed (F) or they may vary (V) as noted above $0 $0 Important Information Ittecre is mere than ere poee to Pus berg statement see the back of each peee kir :Ade meal Revenant irrlenratien See your Caremember Agement. You, Car*iiember Arfeernerl center* Ii the terve of yoet Ilkoaatt Lost or stolen cards Report inroodia4,1Ca8 1-800-347-2683. Bitting Rights Summary tr Ca* ni Ewers or GetellOnS Abell) Your 3d if vex thine your bit s woo, or !yoe need more teleinieton abed a trametion on your vote 10ite e separate steer of paper at Disebeer. PO Sox etre 21 So3 Ins& a4 UT P413[141421 as srxer• as possible We mire! 6100 6010 yea rte Ceres Mee OC daye after we sem you the fee! Nit on welch the err ger regent) appeared You con I eitohorte us but drxrg So All !ICA preservo your rights le year bitter ave este lo.iovorre reformairen • Your pante and Amore reimber • The eater amount of Me suspected emir • Desreree tpti 1110 aril erode if yam can. etre ycei believe there re an error II yeti need 11Ve in10117181011 viesentic the ewe you ere amen) etteut YOU Cb n'allnwe 555 pay an't 00100105In question hthrle we are et yeeegothig be ye: 350 555)1 obligated le pay the earls 01 per eat Mai Oe net or eaceerm !Mule we investigate yore western we creiner repel yar as der:queer tole iny 1,-..a, to were Me emirt you euestem Special Rule for Credit Cat d Purchases- If yoti have a geblen) with Me quality of eras � services 11W, wee pereetaeee with a civet card. mid ye%) have Med in geed het le cermet the ;abler), wren the reerethare erre may riot have 0000y nernaning mewl due en :he goods or seroces You hove this ereleceen only when the purchass once wee matt Thar S50 and the 001011001 0011 ra00 in your !some state or within 106 rnsee 01 pee 1350535 10051000 elwo am or operate 51, 1550555555,1 or VV.? makt y00(110 a dveruee ment for me g000s 00 serves all eon:rases are moiled regardiees tee soOrol er Heerlen 1 pertase Payments Seed only yoa payment 55011 00 top poem n of leis statement in the erveope pets:Wed Du net send ease Sy senting your cite dt as des entree oboe y011 ears:eve us to use nomitterie en yNtr cregk 5, 100,15 5511 elect mow brie eemsfer tern yew account at Me Enema; instrabm meal= on yew cheek or te process Die portiere ae a the/k breisantlon ilparnertsr processeo sis ae eectronic fund tram's.: Me !twister et be lar Me riotint of the check 'When 01ese mformation from your tteck to make ar electremc '.0)2 111155411 feeds cosyOe maid:awn from 15(51315,3,51501 tts 0315.1 ,0. the Sanle day 10150551111 your priymeet. and 401)55 10) net 1001100 ;Am thed bank 05111 >5551 intarspe instireeen The processing of your per nag may be cliVeyed jot: Seed rash earespenderre (II ther 005,11 1110 yes palencrl. yet:sr:lel the parevieet ei any riMer address crI you use an enTOre(5se elan the One Pr<riced Pairrimes rerrived in proper form ot our promisee) tan/ 105PM toca'i !re; et ay by wd be ereOsed ye:ea:count as of Inat day Paymeets reLoveri alk procesevig fatifey alter 51361 lecel bre teat be ere 1550i Aecoute as of the nee: eay 1 !gm nave emplaced yOUt envelope, send yore frayieeni Otscover PO Bee 6103 Duel Soso 53. 055097-6155(5 P502S0 25100 7-555 days rDiddiVF,,ry It your payment retuned unpzatl 101, teserlat 00 right 110150005 It 00 50 extreme Liebe You can rev your car:cerium metre e greater Weevil °ere the telephone, erd you see set up enterer. payments Caii *11 1.806-e47.26fie 0551 2051 need tree severeerit and purr Lank eceount ineererreeon You .nusi enure Met surcrent kir& are averrebbe tri yeer bank accept one DS trarsactions must ttomply tee $ law You MIN: neerg ro prove& the Net 5 eyes el per eve:get Ma:terve: ZP axle By entererg those waters a$ 'reef eleetrunis sigareure. yet eiii! be aer eerie 10 theneva:teen to a bite es aid yew benk to decreer ear, 00n:005 Yea authOnze from or 5155155, 51050555.1 and to imeate deed re erode erne es re yea bent( =gent as appirahef. 5000,505555115055050 Me preceserne o cub paymem yeu most t21! us the amount of ea:di p5501100 0' you ran otlea 50l511 Ss the Istersetio Payment Due or he New Da mice en earth slater:tint You Gen cancel a porter); noweer 104 mus:rtrxwo 001100 Masi throe busmen dzys m adeeeec ef ere echedirkel payenent You may natty us by *ferret): '01C-347-2683 00 5115 mal al the ac -dress limed in the ere-roe peraerephyew' peeve's:re ewe'. emcee:a we will :Hi ye, or e3& monthly 551'1,111011 %1-110I' veur payment vie be made met how rerch 4 wit te Yoe Automat:0 payment amount mey eess Man redirmice en Me mese stetemeet baud on cxenils par reels zregeed dunret Pre beteg cycle Credit Reporting We may report refermaeon about yutii account 10 stedri bete:Tres Late eayments reresed payments, or other:Oche.% on p501 100005151 may be re:teeter et eferr creel report We normally report the staras a ref payrnte, festered yore Aurant s; cede reportmg agencies ceret 1111 50555 5503 beteet Il1 011110)4515 $mermerato or recorrbeee. 15105550 5010 is al the !promo:: hertrese ChSCOceI. 550 950 15316. 56inlr910, 5555 19553513115 Plea:* your name aderess nee* teegerine merle, ard Accome number Grace Period on Purchases tat lease 25 days). Ole teem 0500550015 Pei ionc Finance Cita rips en al tramatAro Orer (re TronsecItor Date ter Me traesouren as .51-o11 cr. hoot bang statement unless e Marisa:bp 5005501150 your Ar.count attar the cIoSe of tic tAng pcnod where it even II eAct case ere txxj,c to Impose. Peewee Fine rex ChereTs en True 1101511051104' !ten the first day of the bailee; perai weed, r: pee:retro your Auteent We teentirec to onpose Pew& FtritInCe Cbarees untrl lee dale you r.4.1) 5505.51 15150115 Now Gaiance by making payinenls or moving merles Hoerever you peg the New flataecv co your previous bring statement 110 5110 Pommel Out 05 re shown oi lher tetreg statement awl yet; pay rho New Device by the Payrneet rwie Date en rut rurrent Wog Metre -Kee we velt i1011115515510 Porde emerice Chimes en new purrewees, Mat v pureetrees first ap50555Ii55t 00 tee eurrere b,hrg, eatenee We 5111 (0 Ire fvx:e petial 1011510 150551054 pe,tod baienee transfers ct cash aterances Minimum Finance Charge. We wit cheep yee a rnmimum FINANCE CHARGE of $7 0) ler any being period m which Perrodic Finance Doges 0) 1055 than S2 i10 would 00100001 he imposed Annual Fee It vete Rector)! ries 00 anneal fee immli be billed at the beemning Meech anniversary .0001 your Acceure te erre) The eneent 01 t lee fee appears ee samement Mice the 10l0 billed The annual fee )s not reltardeble imus nobby us !nal yo.e weer le dnse whet:a:mad Oen 30 eays 011t. matey] delvery dale ef thn sisterxint whig-h the ine tailed Vet, Wiv' MUNI, reivit even ft you uSe Kier Core) euring that Peeoe Periodic Finance Charges. We sort your temsarines ore grebes of turchases cose adv.:fryers and bream:0 transfers are then ferther 05,55 51111 traisocIicots rethtri pcup by I lx.er iktr...rid Percentage Rale For exarbp* puntases subject to s erceneteval and puediases sales) to a standard rate would ee -separate graves We refer to these gioti 25 as 5111r15353i511, 00I5.90020 At me e.nd et each telling gored ere eorripc'e eel:me:es:tee Perim*. Fromm Charges tor Nth very el the hiteg pi:rater each tersachm caterpri `Mt tisc the tefowej ecoaKel te ccertpote Pensee Femme Charges 051 0356 earsaelion category (Average Drury Dalai reel eniee vetye Woe pcsitip) butts ;Day Puttr,k Rohe 1Yoa may refer er 11155 10580150 charge summary on your berg eealemert fee thee:amounts 1 Then 00 85555.5511115 Ferree:re Ftisrice Charges tr eau) tiantsthen category to get tne tele Perettic Snahral Charges fix feet Actzunt TM:Ave:age Daily Beerce H el emer ae zero it blt:;41L/Stlii9,E once p000d 00 5515,550 FInarr.o enorgrs. apply tc the balenre la a transeeter Lategoie: tele tree the Average Dere Baeintte futclubino 110011 transactions) metiv of celcuarine the 1,313M00 !port wench we Peeve() Fin:mere ;bargee 'No eerepele the Average Daily Ba are* tor exer trarsactree cateeory by adding up ail 240..1,4 baianeee 05a Wring 5)11roe bar a e airsaceer rate eore and dvadieg rbe brat ey Inv eumeer of days er lee Mb past We compute the daily bahme fro earl) hensaction entegoryer eact day by fro: arithng timer; le ihe preeeLs dae 0 ear tqiince va0;(1.c s wit a Ttarta=r 55310 415105 day es grown en your being statement. :tribes tee transsoirn 50010155550 yea Acceal after the close or tee teling pentad wheal it Mewl ;r tehth caSe ;tar sada': MI 5115 53115115 10reu daily balance as o100 bet day of en Wang period in whice 11 is peeve to veer or:court VJS 01,790111131 day are Penedic Finance CAN peS At:uaati at the previrtus days merle Wier:cc and sty then subescrag any ciedes ard payreen thal ere apeeed against the balance d the transettron categori or that day le r2lueatirp the daily baraece ?or ere feet day ce the tatting penod, an.sk*, the '1}e:1136 day's deb, tee rine rievn Mon your Ware for frith PK:Baal:I, 111550405051 00 the Iasi day o5y05u preergs 015r9 perice1 At fees charged 10 55001 Account are ante re the standard pureherm transactor cateeere with Me eseeerion of CeshAdVar,C* Transactor) Fee Finance Charges which 55410555511155555510 aPPIthetelifeeNteeeFlarg, campdy alDoi:awe Torneer Traticactcol 05155 0(1501115 Ctoeges 0,hot ate at:Alert le the arrekatile Loire:co mansfer earisacriert 111155(505) Whet! the* . ttilDittit•Wilexe the unpaved beerec of the :salmi)* transfer and the Balance Troreer Trarrar.tor Fee FlraPCD 5513030510 Bre standare purchase 5101101000501 0551955051 However d feu specie! rate rere been Mena:rated creer the D.:fact:Rate recto, we Mow the unpord baCtro.e 5111>05 balance transfer ret tee Balance ri1055te ansachon Fee Frionete 55.11559515 10 the apeecatte berairce ansfer earreaoiren eateppey the rote would have reeved For TDD (Telecommunications Device for the Deaf) assistance please ea111400-147-7449 05S03501r111151 inn rttocamkt record relepbene CNN heeeeen emu end Discover reoresentaeves Ice quetly :15011110ee puroses 151e Det4:ovne 155050 issued by (*never flank 611501101 013155 01751(191 DISC VER New Balance $1,445.49 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due S43.00 Payment Due Dote October 30, 2009 Address, e-mail or telephone change? Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer. Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272-1082 000001986456454272014014454900000000004300 Discover More Account number ending in Payment Due Dote Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available Card Account 1713 October 30, 2009 $4300 11,50000 15400 1800 00 15400 Summary Closing Date: October 4, 2009 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges + New Balance You may be able to avoid Periodic Finance Charges, see the revere side for details page I of 1 $1,451 86 4300 + 12 75 + 000 + 000 23 88 $1,445 49 Cashback Bonus'' Cashback Bonus® Anniversary Month March Keep building your rewords with every purchase Start redeeming once you reach 120 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period 4 12 Cashback Bonus Balance $ 4.12 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD lassistance For hearing impaired) see reverse side 1 Visit Diccover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER 1347-2683) for fast, easy self-service options or to speck with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions 50 Fraud Liability Guarantee Use your Discover Cord with confidence Trans. Post Date Date Payments and Credits Sep 29 Sep 29 INTERNET PAYMENT - THANK YOU 3 -43 00 Other/Miscellaneous Oct 4 Oct 4 PAYMENT PROTECTION PPD 1-877-883-1959 12 75 Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Periodic Daily Periodic PERCENTAGE PERCENTAGE FINANCE Balances Rotes RATES RATES CHARGES current billing period 30 days Pu c t�A�B $1454 81 0 05477% 19 99% V 19 99% $23 88 CuJ�10 0 06847% 24 99%F 24 99% 10 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Transoction FINANCE CHARGES $0 10 Important Information C dere is more if nr 0t page to this bung statement See the back a cad! page iter adrk0cral imporant alternaLsl See your Cardmember Agreement, Your Candmenter Agreerrei t contexts 211he lends el your 'shoot Lost or stolen cards Report am•:edlasdy" Cad 1.806347-261, Blliing RighIe Summary it Case of amps or Questions About Your Brl 11 ycu lira your b d r0 , song, or it you need ewe mlomta on abo vl a t,ansaClon on you tel!. wee 0 us cal a separatesteel o paperratDemotes. POErr.31Y421 Sall Lake. City UTAa13n-0d21 assoonas,eas1l.eWemeshhp:!41lanynunnOen!hal&^,daysate,ue:tentyoumerim11rn wraith the era of p'oterr. appeared You can telephone us twlt euro so w l '40 p(Eserne 600 rights Ir you leder give us the Ice0v;mg w!aTliien • Your name and Accnun=. cumber • The dotal artaint of the suspected mor • D taTbe Me error aid expean d y ou can, lwtry you believe zn10o 11 eel e!ro1 II ye.: reed morn pi naloft riesonire the San you are went 010 4 You 11th nor have to Arany amain( td question %tile we are ervastigatinq hal you are gr. ohrgated Ic oat, the pars of your bill that ere ore m queatxol 'While we rovestoate your Question pee,. ranot regal yno as dSnouore CA take any a0kun let 40:4 the an04Lr.l you eileSenn Special Rule for Credit Card Purchases' If you hat a (110le1n with c!e quality rl gads c: aer10es tot you pu+ala10C watt 0 credit car& and yro h07e bed in good lair to cared the problem anti re 00,40101 yo1, may till have io pay Ix: re0100149 at•t0 1410111. tel the ••.,oddo 0r serocos You have Mus proteCt!en only whoa th1 purchase farce was more tar Sfti and the 014101 ase was made rr your home state or ;vdh;r,106 row GI year mall g address III we own or perate the nercnao' Or if ere Ina.lee yr,,, the advertisement for toe goods or ae40001 all pun:haws arc coveted rega,lees el the amt 1n! or 1000tcm oi purdlase': Payments Sand only year payment and the lop p 14001 L♦ thus statement rn V•.e enve ope moaned Do ncl send cash Sy sencmg year check 3s 0eswbed abt1e you authorize as l0 use otonn0(41 0 on yMn 0h00k to lake an a eCtren 0 lune Iransrer Iran your antrum at the frrarraa rnsn5u !rya nvsc10 . on yea' Check 0410 (recess the paynner! as a check Ir robs" 11 pa.mer.1!s processes as ar' eect,onrd fund traas'er the arms* %n!I be for the amount r3 the check Whet, we 350 m!crmaucn from your deck !o make an electronic fund Irarsler 4av s ma -y he mil hewn from your in.ran t as same .'s The same ;.lay %e recerv0 your pcyment. and ylua MI not x000415 your deed pati Prtdu you fmancat rnstaL;s:m The plocessing of your payment may be (101•yed i' ya: send cash 01 15(pa0Enre or Oleo itetn5 with ytur payment; if you send the payment 0 any ether address a d you use an envoqte other Ihan the one pro.'e 03 PaylI0nI5 rercl4104 tc ry0140 lore' at cur processing facam by 5PM local tyre or any ray ell be mooted to your Account os of that day Payments retie -eon a: our ;m010551;9 1;7futy after 5P53 local time will he manned to your tartar• as of hoe next wry It you nave nls(llacetl you! envelopes, sera your payment le 0040Ove! PO Box 6103 Carol Stearn IL 60197.610:1 Phase altos 7-10 day0Ion d(wery If your payment* n:tur'>110 urp;ad VR reset:v 0111 rwhl lel rasshm:t n as an ei'ctr:nuc debt You tan pay yeurmimetan payment 04 a peals 002 0nl Ver the telephone and you tan set up ateon:aylt (laymen LS Call us at 1.61!;-347-268'3 You :•evil need Ihls s00lemerl and your bank account atkrtnalne You most ensure re that S 600eni tunes are available In you; hatia account. art 21 aa•sactnns imus! oomph? 011115 !adv You AP* he asked ze prowde the frsl ti ey:s of yva1000,!t slate/ en: ZI' axle By wavily,' 1 -host nun less as your electronic smn.1 111, you 01i! be ag'eerrS 10 m5 allttanzad x114 311w us and your bank 10 deduct each. payment you aulhdn7.e from weer bank Konen and l0 ,0) de0J m,' credit moos to v o book accaart as epparahte. en tArtil 2n 0101 111010(140105040(1(1100011(00(010: YLu rust 1Ni as he aln0um cl emit payment 0r ;rad tan select. 0.100!1.0! 2u5:41 as the !:.nrmtln Payrlem Cue cr ere New 133 zee 0n ca;J I statement You; Can cancel a payment, hawevcr we mus: !Strive nothx: a! (cast throe Is 011(57 days et adramx ulrhe scheduled paymctll `Mu may nary us by oh1me a! ' 800.047.2663 dr by mail at fie endless listed i1 the 1'401005 paragraph If your paytnents Mary r; 3moant we Yak cel! 50 P' 000(1 or rah), soarer; Maher eo,x payment yn0 be rode 1111 how reach 00((be Your 004001011! parent amount may he loss than. indurlee140, the mrrrtn40 statement trios v+: 00016 or parnemt5 0(401011 r11n!0( rrtr bd'rg 0410 0 Credit Reporting We may repad information aap01 you' acc0u111 fi meek, harem Late payments missed payments, or01c: delaa:s on yeer Now -rimy be 'elected to yarrxec41 moot Vic none (1 ropm the status aro pay^1n! 01010110 ytxr MTas! Id ad! .4(04101(1 agencies spite. run11 1160.i belt: ire that our report Iraxurale a m:nrrpete p 001 Hme ta at the !p 00004 address °ismer. DO Box 15316.10l,n u1,,, DE 19850.5318 (kw* include your nano a k'O41S hale teWv.re rumhar ant Aoaltnl rnm,l)el Grace Period on Purchases (at least 25 days). We bcgnl 401401;1 0 Penult Finance Charges: or, all (ran500h1xrs born the Transatton Dale ihe tra nsacir'n as shower tin you. tdI:ng statement unless n Marsala, is Ousted to yew Account after the ck)se of Mrtr. 11'4ng (0rxxi hs Witch it wars at n11010010 vee br:3:n to impose Perocit I';rar.e Charges on the:! 4400401041 :rpm Ito 5415( dal• of the Wing paned n wild' c r5 (rSled to yWr A:cove: 4'Ve tontroue to:mpose Periodic Finance Charges teed the date y'W pay rte entire New 50.0100 by making payments or fece11109 civets However d you pard the Nen Balance on yam plc 0!000 Pang dale:not by toe Payment Due Date s4nvn on that Nene statement and VW pay the New Dean(» by the Payment Due Date on your narest billing statement. we tad: not 4:r,1:;r. Pollock Fin0100 Charges on new purchases, liar tv purc0,oscl (1041 tip noarolg or tlr- current tr krg statement We tali ass the 'grace periodThere is no grace period on balance eanshas a ash advances Minimum Finance Charge. :1'e -all charge you a minimum FINANCE CHARGE 0(£2 00 for any bdrng pence m wluth Periodic Frame Charges of less than £2 03 "rsnul4 314 014080 he041(10 :0 Annual Fee 11ytork:coa t has an annual lee r tal be billed at the bearding ng of each anm'12rsary /ea your Account :s open. Thea noon! 01 the fee aCCea10 (xl the statement when the !(.:. tis W!eci The annual: lel isnot refundable umk;s ye: ncldi us!hat you wish to dense yourk:onnl within 30 days o; Iles 141103 or detwery date of Mw Moment c ...tad fie fee n billed You w 1' rdde'we 4has retort even d you use your Card during Ihat 0100110 Panodic Finance Charges.1Vc sat you, transacts -ins ran groups trf mutinies -nosh ativ.l00:es and ba.enc:e transfersand then further sort ! a kan50crxx161r!Ihw tzch group by Ih rAmtu01 Percentage Rale Fcrexampe p14d10ses 51r11ed to a promotional rate and purchases sd:7•ct to a standard rule would be separate groups We reter,0 Metre groups as transaction cny0rses At the end 01 sac, Map palati we c:omp::'.e balances and P:.•na, i0 Franc Charges kw emit 114.01 the bang petal fur each Irersac, tin ca!agory 240 use me (:4;0wirr,/ eca:abtm to cor1Aute Fcrcado France Charges br each transaction category rkvm age Garry Salance! Was iays'n b'w:u( tlerr.,d} Vets!Daely Perm, Rate) Nem may titer to the trance Charge summary on your b1Bm0 statement for d:e5e r.ma;rrs 1 Men yin 000 1(1 the Por o^tc Finance Cba ,es for each transaction category 10 get lite Ida, FlvDde Finance 1)60441110101(0411(1(01111003404.10,0 Daily Batanx,0 slto.vil as aso 1f becauts t O'the grace pmsul no Peuudro Rowel, Charges apply to the (ahem: r1 i1 Uan530umm;20190r0 We use the average Darr ftain010 (01105 9110.1 kam:m ains! mr_:hct o! r_a1railekog the balance :1;x50 which x urease Pentair Finance Chamfers We 1031(1110 1:0 Average Cady Be arty ter each transaction cale43r1 Cry ad1ng up all 8a daily balances w a balms) period ler a !tarma00n category and 4vk;•ry the total by toe nlmb1 of days :n the 141114 rg 410400 We compute the Baty balance ice each u00sadlon category or rad' cay by firs: adding Me I1Lr 0149 ;o rite p eruus days ear y bats traretath 010 with a '0,5115802n Date o Mal day as shown cS your biting sta!en101t. unless the transaction is posted to year Addict ate, the dose ar me bulog period In what rt ecaus is whit case the 11a4153c1,50 n•1i be added to the da:Iy balance as of the Psi day el dxt billing period In Vali n d la posusd 1n your Amcor: 'sea cheroot 1101 day and Nordic Finanna Ch;ages matted a' the rearms days lady balance and by then subtracting any credits and cement that are 0,•111500 against the balance of the hansac;an 0 1`gory on that day In calculating Ste dal; heronry for :he hist day or the hitting pedal; we abasiat the 't0eeal,14 d/y;e daily balance k";!13,12 hoer your bmance 111 each eansad:0n cakgory on the Last day o' year prra mus tatirf teed FJ: fees chargee to your .4ccourd are atetc X the standard pushese trorsaclgr caleg0rr with Che e3aet1r30 of Cash Advance Transactor? Fee Fetance Charges whmcel ars added M the applicatringguelgtoaction ain.(y y and Balance Tenter Traesacteut Fee 14:404100 Charges what are added to tr: aorta -able hafrrcei ranter tralsa00x 045:90ry 'When the sn . E4 ,4kgre tePetove sa unps1d be'2rce 01 the 5alance transfer arid Ile Seance Tra; <'er Transaction Fee Finance Charges to Be standa d poi&ase transacam ntegw,y HCwovw tithe sper:u 1 ram las ban •nnlaratetasat41110 0013.1 Rate secion we leave the ugord balance of the balance ('deafer anal Ihrt Seance Tr ars!er Transar,4nn Foe F5!a.od Charges In the appya+tde oa!a000 banister manse:ken category until the SPeaal rate would nave 0xpred ForTOD (Telecommunications Device lot the Deaf) assistance please call 1.000-347-7449 Cscoye1 may mereor andro; record telephone cads h•ev4t you and Uncover rapre001011ei kr ;catty assoenoe purposes The Discover' a!n is Issued by Discover Stink Mo115o, FDIC 01050191 DISC VER New Balance Minimum Payment Due. 51,480.72 544.00 Payment Due Dote November 29, 2009 WILLIAM J CALVERT . PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 1713 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online CV Discovercard com PO BOX 71084 CHARLOTTE NC 28272.1084 000001986456454272014014807200000000004400 Discover More Card Account Summary Closing Date; November 4, 2009 Account number ending in 1713 Payment Due Dale November 29 Minimum Payment Due $44 00 Credit limit 51,500 00 Credit Available $1900 Cash Credit limit $800 00 Cosh Credit Available $1900 Previous Balance 2009 Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You may be able to avoid Periodic Finance reverse side for details page I of 1 51,445 49 4300 + 52 96 + 000 + 000 + 25 27 • $1,480 72 Charges, see the Cashback Bonus`' Coshbock Bonus® Anniversary Month March Keep building your rewords with every purchase Start redeeming once you reach 520 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 4 12 + 0.09 $ 4.21 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance For hearing impaired) see reverse side 1 Visit Discover-com to pay your bill For no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1 -800 -DISCOVER (347-2683) for Fast, easy self-service option: or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Solt lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous Gasoline $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date Oct 30 Post Date Oct 30 Nov 4 Nov 4 Oct 3 Oct 5 INTERNET PAYMENT - THANK YOU PAYMENT PROTECTION PPD 1-877-883-1959 TURKEY HILL #280 ENOLA PA -43 00 13 06 39 90 Finance Charge Summary Average Daily Balances current billing period 31 days C caAiE$id6288 $0489 31 Daily Periodic Rales 0 05477% 0 06847% Nominal ANNUAL ANNUAL Periodic PERCENTAGE PERCENTAGE FINANCE RATES RATES CHARGES Transaction FINANCE CHARGES 19 99% V 19 99% $25 27 $0 24 99% F 24 99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Pr portant Information if there is more iton one rage to Mrs bling statement see the bac* event' page kir additeral important adouralen See your Cardmember Avec meat. Your Cardmereber Agreement cnintains ai the terms of your Aecomil Lost a stolen cards Repaid immeemulit CII 1 -OO -347-2683. Billing RightsSummary In Case el biers or Questions About Nevi Bill If Nub* your Mli rs %lora od you :reed more inlet nialion about a retaliate:0r your b5. sate to user a 1010 511001 of paper nt Never PO Era .10421 Sal Lake Ci y U7 M1311.0421 es soon as passable Wo most hear horn inn on inkOr 00 C lay1; Apr we on yen the rest NU nn which the error or ;nobler ,ippelned You can telephone us be demo so will not preserve your noes lo your reter owe tete foriovang informatron • Your mime and Account number • The data r amount of the suspected MY • Descabe the error are ecpkim if you op. you lailreall there1500 error If yeti reed 'sore irk:ensign deschlre the Sem you are aware about Yee do not have 'ropey any amount In guesten vitae we are ovestgating 001 you are 005 t.,10tgated pay the carts el sour bA that ole not m odessem Vsmite we investigate your questron we mom tepost yots as delinquent or hake erg, rrIcar to cermet the amour t yeir coesbon Special Rule for Credit Card Purchases- II you haver a poblerri with the i Itysi 6'0040 01101105 Lety30 pea:haste oil) 00110111 cat Lend 501 511(011 tri good turtr to comet Me problem with the meichad you may 001 00015 so pay ale reetarang amount due on the goods or services Yoc have ltas wolectice coy Wier the 505011101 or ice 1030 01010 tar 99:t 5413 051 ourcrese was made en your honte state or within Igh :rues 01 your merino address (Uwe own cooperate 040 410001001 Or ti we loaded you the advertisement for the goals or serves at curchasce are coveted moan:Leas of the amount or Ccaren et purMase Payments Send :KA: your poynei1 and the top portion 00 150 slats:nee in the erve•ope mudded Do eel send CR111 By senceg your check as descnbere above you auduarze us lo 511 idormerm on your check In mole en demotic hind nans`er from your entice at Ihe fineentai inslitolum hentozed yea check or 10 weal% lit Porten 11551011110 nosathon pyrtert is pncesseo so ah tectrorr [fund Lanier the transfer wit be for the amount or the check When we .0001300000100 torn yellit cheer to nuke er electronic fund trar der funds tray he milerawn from your actaint so $911161s the Win* day xo recepo your payment and you will net rcerryll your thed ati5 0011 your (manual instaatem The processing of year p1155010 may be erased 0 yd. serer cosh correspondence or other 'Inns with your perleet. 0 you send :he payment ta any ester address w d ram 681 10 erivekpe air:eh/In iOle one preceerd Pas-nes(s received is 1:ropm len at our oreser)%ng faddy boSPM coal trio or any day will be maenad yOkir keno nt 00 0511101 day Payments recerdire at cm processing facidy alter 51A`A Meal time will he audited:0 yore ;aura as of Me nerkoy 11 you have emplaced your enveloar, sone west Kyocera ()scorer PO Box 6101 Carol Sean 1 00197-8103 Please Arow 7-10 11.36,0 ler delivery 11 your payment rs at dirted ringed 0311 100111010 Mut right 01 01051110111 it as an elecitenic doS You 1100 111 your resew payment 0*00 greater arnaunt ever Me telephone. And top tan set ue auctuar. payments Cal us al 1850-31172003 too yea need Ibis statement and year bank 2Crant it Hort-gore You must ensure Mel $uffrnient funds are evadable m your hank account ano tnirsactons n,LV coop!F with U 9 Mw eske5 to proode the fel S asp of 51011 0051300001 statement ZIP cafe By emeiti itj thiltif- nun bee as yeur erecdronic SKinttline. you ‘6611 be tlgteeara I11130s authorize:rat to arta:. us and your timik e deduct each pared ol authonte from y301 hank 1=1i ot and to iniaaM danet ttr 55.355011105150505500 ecCage as apparel:fa. to if,fre fa an end in foe roccessov tt' rtich payment You ells' tell re' 1510 001011011061eOd10055i0351 of you can selec: emote sash as the tbmmuni Payment Due a Ihe New 133 !cote 01 0300 Wieners. Yori can cancer a payment huwever we 10661 rOCOmt? nOtiCe at least three husoress days or advance of Me scheduled parent You may nerty us by atone et 'A50347,2683 er by nail al the aediess fisted in 000 10131300 paragraph If your payinentan vary m amount, we wd. :010 510. art eacS mo albs/ stalerr err Oren your uaynent wit be made and her: much rt wil 05 Your automatic payment 01'O1011 10155 he less dos rol,calxtf cm the monthly statement 15015511 10 MAO; 11 par :ants a1*114011 :1Urrig b05r9 11.50 Credit Reporting We 114 report crammed about your account to eerie bureaus Late i50ynena missal trainees. cr °Seidel -dulls or yea account may be reflected 5541 015011 ,i.1.,031 We menially tepee the status a el payekte hosiery (glue Arbour! 011 1000041 reporting agencies each exert Ibo., believe Mat ma ream as ma:curate m mestopiete. please wriM us at the torewing address Discover PO Boa 1215. *thr6119ton 001 19851053113 4051 radiate 0001 00101 atietass 00100 0141011.0 iturtte6an6-1. 0011005 (54101051 Grace Period on Purchases I at least 25 days). We bean 0 inpose Pence c. Finance Charges co Ininsactams horn the Transaction Date for the trenSenlien PS ShOwn CII 90O1 1:4111•41 Walt:cent 10o/615s transaethr wr.,ostort to pet ACCOunt after the CiuSe Vine hataig 61e5OO 113 whir.O mx-46 so Moth case 06n tra6got ottpose Permit. Froorce Charges 00 1000 113Traactism horn the resider of the biles peace in which peaca 10 50)' Accor: We contrive 6010001 Pontiac Finance Chahjes unel Me dare you pay 5101 0101400 New Balance by making paymeres Orll20i501g0105SS Hosevet II you pee the New Balance an your prevous bring stalernent %Me Payment Due Date Maim oo the billing statement and you pay the New 13tho(r.• by the Paynamt Die Date en yadt Nernst! gang statement. we toll rePttSpoSe P0fe01 Plnatlee CtlareaS On new Furfbasser 110010 ivra00500 ra1tt ai,0001419 or! tk current Yin Votaress We car 0r the -grace period ' Dem is re grace period at balance Moister s Gash advances Minimum Finance Charge WniI etaige you 00510101100 FINANCE CHARGE 092 03 lor any %lino ;erred in which Perrodic France Ch woes of less tratn $2 tIO would otherwise 515 50 Annual Fee 051102131c050150001050103! fee 10010511 baled at the basemen; 51 tech anniversary year 611611A111e050 rs open The amount ,e1 the fee appears on he statement vfien the fee is billed The annual lee is ne refundable unless yr:rat:arty us that yore 1.0-511t6/ dose yottskstetnt roe. 31505 Me mailing Or deleery dem of the slater:eel 0110150511,0 bile: You wrIl received -as refund even Oven use your Card dunng that teed Penodic Finasen Charges. We sort your !Tenser:Mrs into groups rif puritases rash attar -cues apd 514.10115 Itansfe6 sate then helm sort the Lana:Cie:Seethe each group by tharArrael Percortmee Rate Foreseer10 protheses subcd 3 mom:Omar rale and purdtaws s“er111 to a standard rum would oe separate rags We refer re these 0(10050 00 transarbon notegorres At the end or each lading period are compute balances and Permen lotrooreol Charges kw Kart day el the tullog punct *0033 15011110100 calegnei n'W 00 (150 Vea,vyj co,,A16o te COANite Fenoex FINWICe C11611910 fOf ea Ch transaction 11at459015 IA:image arty Balancer larrIS tett:6 Nett19 penes) lures (their P11149 0010) (You may refer to the finance charge Witirtary on you bawl sWemerl fa these a mimes ) The wt. add co the Penalic ;mance Charges far ea:A trtansacIten category 10901 00 tura, Penothr, Firtarat Chooses ke your Acteamt Ths, Average Nay Banco 1:016n -410s Into d hosaubri 51 03 grace gored no Peiroom eineesur charges amity to the balani In a 10(n03005 category We use Me averrige Davy ElcInote heduding new Oar:sat:WM.) tnethen orcalculahho the balance r0ot:n:0er nyiose Pacer; Finance Charges 301miriade de Arcane Defy BaAna er eauer trar0000Inn category. Oy adding up the daily balances ru a billing p1053 1003 nauseam,: :altars:hi and dwdrrig he tact by the numx, 01111*yO0100 bdIrrig pace We 00105 01111 the 1150 50105001 for 50010 005000000011 category On eael day by tit Pete; the ft:lit:mho to go ptcylks drws Pa, y balance Pansactrans with a Trarisacaos Oslo that dav as shown co your Nang statement unless Me transaction is posted to y0,1A1113000nt ate' lfl0e!08001l11504rlI:0195110300111w00511 10111000 to wotch cww the non sgclar vdi be added 53(00 15015 balmier A0 a the fest day of the Wing 5111300050w1.3511l11 pasted to },12 Amount tees charged !hat day and Pllicen Finance Cr:does ancherd cm the Le Tarsus iisr; a tarry balance and by (wen subtracting 0005 0041005 at4 ;erica* 001 0.5 paired agadist the balance of the transaction cadegary or Mal day to cal:via:qv the dais. ba:ance 50 :010 last day c! Me Wire period, wit mossier the tfreeteo, day's darly balance to haw 0,0(10 '/00, Nuance fra each 1611111150tten CiangWy nn the 4151 :16,y Of your ote-oous httr-6161ennti AS fees charged to your Actcurd ere steed t the standard air:hese transaction category:vet the ceded:ion of 0550 A001050 Transaction Fes Finance Charges whch aro !Aden' to the applcatitrirkologemmaerce. Catn9rany and Drainer Transfer Tiensactear Fee hnnnce: Charges Ord: are aureole, the tiaptCable halnear.16ansfor toms:nom, 55109 015 When the scretedlOttsitKiTis. 54NiAcve Me armed balance cf the borante transfer and the lionce Tessier Transanbao Fee Proonce Charges 10 810 standee cord-ose transact= eatery liowove• d the specel raf ha0 bnen •ernintated runnier the Dafauzl Rate section we leave. the uripad balance 615(1 0050115 transfer 0l011151001001030 hamster Tr ansadm Fee Finance Charges r0 te apace*, Delano bendier eancaciren category Onti the special rate 0014500 1.01.30 espied For TDDITelecommuncations Device fa the Deaf) assistance please call 1.800.347.7449 Discover may mordor enact record telephone cads retween you end Discover repoesentaaves tor ottrAlly ass.tance purposes 011'34081 The CosCalten att IS lEsUK1 by Discover Bank 130.001001 FDIC DISC VER New Balance Minimum Payment Due. Account Number ending in 1713 $1,495.49 $45.00 Enter Amount Enclosed Below Payment Due Dale $ I December 30, 2009 Please make check payable to Discover Cord or pay online ® Discovercard com WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer: 000001986456454272014014954900000000004500 Discover More Card Account Summary Closing Date: December 4, 2009 page 1 of 1 Account number ending in 1713 . Previous Balance $1,480 72 Payment Due Dale December 30, 2009 Payments And Credits - 44 00 Minimum Payment Due $45 00 Purc hoses + 34 38 Credit Limit $1,500 00 Cash Advances + 000 Credit Available $4 00 Balance Transfers + 0 00 Cash Credit limit $800 00 finance Charges + 24 39 Cash Credit Available $4 00 New Balance = $1,495 49 You may be able to ovoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Coshbock Bonus® Anniversary Month March Keep budding your rewards with every purchase Start redeeming once you reach $20 Coshback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 421 + 0.05 $ 4.26 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cod, view your latest Account information, earn and redeem rewards and more 2 Coll 1 -B00 -DISCOVER 1347-2683) for fast, easy self-service options or to speak with o Customer Service Account Manager 3 Write us of Discover Card, PO Box 30043, Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Dale Dale Payments and Credits Nov 29 Nov 20 INTERNET PAYMENT -THANK YOU Merchandise/Wei Dec 3 Dec 3 BEER AND SODA DEPOT ENOLA PA Other/Miscellaneous Dec 4 Dec 4 PAYMENT PROTECTION PPD 1.877.883.1959 -44 00 21 19 13 19 Finance Charge Summary Nominal Transection Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rotes RATES RATES CHARGES CHARGES current billing period 30 days Pu c a�•e�,� $1485 12 0 05477% 10 99% V 1999% $24 30 $0 C��AkENba�g$ $0 0 06847% 24 99% F 24 99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) os noted above Important Information 1; there is mane bar ole page to nus b Niv statement see the back of each page Ser ;ddnar:;l erportnc infcrmalo e See your Cardmember Agreement Year Car :met' er Agreement Uo'tons a1 the terms of yes; Accoum Lost or stolen cards Report umoyatoW Call 4.800947.2683. Blliing RghIs Summary b+ Case h! Etres o! Questions About alar ail 11 you think you bat is vnoo . or d you need tnore InIcielatiort abojt a Iransardiee On your btW. rare toes cit a separate sheet of paper at Gamow. PO any :4421 Sail loam ray UT tel ar..S421 as scat as possible We robs; hear Man you nn Ulm !ha, CO dar atter eve sen: you toe fact hi, on va0 the erro, or prpb:ralt appeared You car leteptano us but d.•zrg ori "Ail not preserve your rights In you letter give us he f0`iovarg information • Your name and kt0Junl mutate • The dealt amount el the suspected error • Des:: ibo the ..no oral Gay um A you tan win/ pod believe Mere is ail error 11 coeluted 0000 mk:mtatxei describe he dem yet are royale ;steed You i not have to pay arty anKriml to **shoo s:•M:e we are o!vesegahnc but you are sit oiergmtad tc :ay the pans of year ba Mal ere not in auesurxl 4M1e we investigate yeti 0005lwn we canal: tee ee oat as deinauere CO take any:�bm to runH:e:t ;Me emir! you cuestnn Special Rule for Credit Caul Purchases- It year have a problem wllh he lawhry of grads o: services dal you pi saseo ::ah a credit card. and yo; hoa rine in good fait 10 correct the problem with the ram chant you may not have io pay die remaining anneal rit.o on the graltie or serve os You have his protection 03150100 ['eschew once was more liar S5t mad the parerose Das made m your home state or within 101, mires of year mating address (11 mere omen or Operate ale merwlla•t ore eve mailer: pis (rte advertisefnenl for the goods or services atpanthas00ant ethanol regarleespfthe am)0ntori000100tit porhase:, Payments Send MO yo.tr payment and the lop patio0 el bus Saten:VI in he a e-epe pro r:fed Ou nal send ossa By sexing your abed" 35 deSalbea above you aud'4rze as to use information on yMlr thee* 10 make an Neel room hind transfer gout your acSlml sat Ihe 6na:!caa0 motor Am o thetheC on your check 0 fn process 31e payment a5 a cheek transaction: d cermet is pnco55e0 as er e.ec!romc fund transfer Me 'feaster MI be for ole amour.' 0 the creak 0..lerr we ..Se ndormatooir hr. your deck t0 make ar elec4dtrc land transfer rutds mar be Waimea front vrur 400 (00 a5 Soot as the same day At recrrxo suer payment. and ynu void net u:rcree your fief: oat* 1w it your fl sari 011 msht.5trm The prOtlossotg 0f your payn!e31 nay 00 re97yed r you wind rash a aresporl 0010 or enter 10100 0091 year pn•.anen:. tl yet: Sen,^, :he payment a any ether anwess a If you use an envekpe otter than the one. ;roweea Payments renewed it proper tern a; our pram sera `zanier by 5Pkt local erre Or any 4a9 sell be crooned to yea Arimeart as of !bat dog Payments reeenfd a: ow processrg harry alter 5FM !recti tore will he credited lo y0111 Atoms: as of the next say If you have rn:sp laced your einetope, sere yc lr payment 10 Orsr_0ar PG Deo 61D3 Carol Steam IL 80197.61013 Freese allow 7 dav5 far delivery if y0111 payment is reoxtee impart we !esentt the right fit rasobm:t r as an rectrcturs debt You can pay your rznuntnn 0aymeet et 8 greater amoum 0m the'elephvure, and you can set uD ouprraaa payments Cal :A al 1.01T. Ara wei need This alaterterit and ya;r bank account sformratmn tea tram' en5are:f at salaam: funds are available yard hank account are; a/ lr a•5a tons must 000110y :nth 9 S law Yob 0141 he asked to pram. & the first :i digits of your amount s 3tertw!1t ZMa1@ fly eaten ng hoose 1i311hers as Yarm 00101,orna signature, mew will be agreeing 1010 auttror,z voe to adau as noel your bank tit,;edutl each puyrnert yeti authorise from year bank mcour1 and to mlgah Carat or credit l.ft05 0 your bank occoura as appalab . to tame::; an error !r the preccss0g nsuch paymerli You must lea: ars the macaw et each payment a yea can atter:: air onwr',att oath as 100 ie lsnlrt Payment Due or rte New [Mande on tact l statr,•:w_rr1 You can cancel a paymenti however we must !mime nonce al least Chace horsiness days in advance of the seiserd:kA payroll You may Inlay ra by phone al ' •Se0.347.2683 or try Taal at the actress 4sIod in the 11104101/0 Paragraph yoar payments vary m amnia we nit :sago. or: an monthly sa:cuter: weer your payment will be made and hew Toch d mil he Your autana0e payment amount may he less than: indicated ort the monthly staeenlwnt baser art credits or parr Innis atgaei1 ilea if; the bdkng cone Credit Reporting We may repod mammas -an ahem per account 10 aledr bureaus Late payments missed payments. a other detains on your atuurx maybe sellsIter Ft ram welt report We morally ream the 10050s a:ri payment: history of yov Axone! le oedit reponnu; warancies each myth 10 vo. believe drat an report 5 06030/10 a ncslmp0e. please wnte us at the !aiuwnu address 0..v_„ -an, PO Bon 15316, r:dmruert DE 19850 5715 Please rrCu.k our name address 00001001905010 ,varl.rer aur. Accnar number Grace Period on Purchases (at least 25 daysk tare ttegnl w name Peuiota Finance Ctu!ges c all transacno^s beam the Tran0arltor Date for he ha Isar:atm as shown: en your G1mg s;aterent unless a barsadam 40 ousted to !sour caecum after the cuss o` the bArng pentad in which it mimics Al 41:1r case vee begin fa repose Ferenc 1'marce [Merges on 110? transacocn `rax the first gay of the Orme Know which 010 p00001110100? Atywn: We maltase to impose Peneevc Finance Charges e011 041ak you pay your entire New Bonne by making payevr,s or le 0nang melds Huerver if you pare de New Balance 05 your prev:c;a bine we s131ement to :le Paynert Gut Cate shawl ria anal 031x10 statement tad you pay re New Samara by the Peani nt D;te Date on year rnrant b1i g statement. x: 01. riot imposer Penn1c Finance Charges on tees, purchases. 31st 0 purchase; first apccanag o0 the current b.10g s!alerrren: rale cap hs tit 0 90ace period' There is 0.0 Tau period ore 1J3ia0: a translas a cash 3W000e3 Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $2 03 tor any 1080198104 to which Frieda France Chanes of less than $2 iN3 waub eater:mac be imposed Annual Fee 11 rcurAfc?Jnt has en trirma1 lee it Vali be billed at the hegmning nl cant ann4 ersary yea! your Accour: is open The aro7nt at the fee appeat5 en Me stalertent when the fee: cs Gated The annual fel: a ere manida0bie isdess yoi nobly us that;nu wish to dose yaw Account wdhm 30 days et the na1:nv9 of Cr•1rvery date of 1140 Statement G1 what the fee rs Mod You will reserve Ras retard even d 9041 use yew Card during that period PenodicFinance Charges. Wesort pia trarnsa,0lxmainto grnapsofpuxtlases case advances and baancetransfers arethenhmhorsortthe.0ans0cQnnlsnanihcachprotpaby. then Ar:n 3E Percentage Rate For example purchases subletl to a promobatal rale and purchases s0tyeet to a sardard nee would be separate gu,ps We refer ;e the.* mesas as Irarsaiaior categories At the end c! each baling period :se comp:ie balances :rd Penal,: Fr gone Charges :a warh d;n of lit bcknu portal our oat lra'5ac 510 category -:fie creme the fulIckaing eruaken 10 content Pcno3ic France tC.harges for each kar0atf!00 category IA,r4age GailyBaiar0co) tines toms sr, 000n!l period' Many Permde Relei (Yeo may refer to the `mance charge summary or, you doing statement for Mese erneunts } Their we add to die Penodtc rntiSe a C0311901 far earn 1rarsectst: c31egery to get lid tufa R•cd:r• Finance Caarccs la y,01 An:xpn me Ava;age Dae, Basaye r3 slw.vn as 21:10 ;1 beause ur the grace pema1 no Poor dt Emmett: Charges ap{iy 10 Ih+, tr0lanm to a 10053/1400 ategery 91011150 Aar:n ge Davy Bamro: (mdratng new transacts:n l method n1 calculating the balance, ,1100 0(094 w80 mylnse Periodic Finance Charges We romex.lr din Average tally Beam* for each tiarvachret category 0y addag vp all the dory balance; rn a billing per 01 fora 118:05310500551310,50/0413010411.090015101491118 itemt0r of mays n the bI!Ime pored We: ampule the dada balance ler cath transaction imlepory or. each day by fes: adding sore Wowing to Ihe 0.•ev00i S daas (Sar y balance dansacear0 with a Tranal:00' Dale 0` that day es 010010 Ce year brig statement. sinless are hNrsaCec01 is posted to year Actr!et atter Ilse ooze or the biting paned In what it create In which 10000 Ihe ;fansach04' wri tom^ added ra rho daily balance as oath', srs0 day al ale billing 00,404150 which d 4s P05etc 0r parr asv:nu 1 'era charged hit day and Perealic Fina. Charges acarmd CC the prcerrus !u76 chat? balance and ay Men 5ubnec109 any acnes and paymao5 that are ayfmd against Me ttatance 0111;, San sac: no 0ategcm; ch that day 10 calaratmp Me daily tisane Ta Me host day o! de Wog peno1•; w01141'5x140 100 '011V11.0,0 days daily bounce Y nave hmtn your banrnra• fa each transaction ca:!ir:rn y on the salt day d year 0/101000 billing paned Al: lees charges to your.Acccurt arc 1cdes 1c the 053040rd put:hese traroactior categlr; w1111 the ;o a 1i a of Cash Advance Transac W n Fee Finance Charges which are added to he apps'��'`y�r{yre(V-¢ 't015-.. col, ov and Balancer Transfer T,arsadtcv! Foo F4rance Charges which are aeeed k1 Me eapheaule Lamar transtertr0lsamori 031% 019 When the veteaar!a!e Wove 1 o unpaid ba'ance of me balance tra001or and the tioNn0e Transfer Transaction Fee Frear•:e Charges to the standard purchase tr3r0acern category However d the 9p octal rate has been 'Intro led ander eat Default Ram secbeh vee eau the mama( balance el de balance transfer and tit: Baance Ba's'e• rransay:1 m Tae. Fir mace Charges ist re apokc3b10 balance banger yent a:aim category u„ 4i the special rale *mad have tweed For TDD 1Tetecommunications Device to the Deaf) assistance please call 1.600347.7449 Dscovver!nayntrirdorartier recordtelephone calls r11veenymrand Discover ret eaent30000:'nquality51301, amazes.* purposes The 005covee m at ss r stied by Discover Bank Member FDIC 01790/1101 DISC VER New Balance $1,489.07 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due: $41.00 Payment Due Date February 1, 2010 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer: Account Number ending in 1713 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercord corn PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014890700000000004400 Discover More Card Account Summary Closing Date: January 4, 2010 Account number ending in 1713 Previous Balance Payment Due Dote February 1, 2010 Payments And Credits Minimum Payment Due $44 00 Purchases Credit Limit $1,500 00 Cash Advances Credit Available $1000 Balance Transfers Cash Credit Limit $800 00 • Finance Charges Cosh Credit Available $1000 New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details page I of 1 $1,495 49 4500 + 13 13 + 000 + 000 + 25 45 $1,489 07 Cashback Bonus Cashback Bonus® Anniversary Month March Keep building your rewards with every purchase Start redeeming once you reach $20 Cashback Bonus(R) Opening Cashback Bonus Balance New Cashback Bonus This Period $ 4 26 + 0.00 Cashback Bonus Balance $ 4.26 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, viewour latest Account information, earn and redeem rewards and more 2 Coll 1.800 -DISCOVER 1347-2683) For fast, easy self-service options or to speak with o Customer Service Account Manager 3 Write us at Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Dec 30 Dec 30 INTERNET PAYMENT - THANK YOU -45 00 Jan 4 Jon 4 PAYMENT PROTECTION PPD 1-877.883-1959 13 13 Finance Charge Summary Average Daily Daily Periodic Balances Rates current billing period 31 days c � Pu c a^8388 $1494 11 so Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE RATES RATES 0 05477% 19 99% V 1999% 0 06847% 24 99% F 2499 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Transection Periodic Fee FINANCE FINANCE CHARGES CHARGES $25 45 $0 10 $0 Important Information is there 1s more Man me page lo this NEIN slatenrcmt see the back o`each page it at Ida urea important rlama;•on See your Cardmember Agreement. Your Car:reen ter Algreetrerl csrtaers al the ler es orf you; Account Lost a stolen cads Reay Im.' nit" Call 1.800.347.26113. BIlling Rights Summary Iv Cave et ErorS or Ouestans About veer bi t If yt a bulk your D::l is *tong, o' d you need;nem vita mater: about a teansacbMn en your bII. w?de to es i e eeparate sheet of paper at D:u:O, e . PO Ens. 30421 Sail Lake Cdy UT h413(t 4?1 as v,.e as posing ."+'e mitet hear hum you nn ia!er Mien "n0 days idler tae seam you the first N i en wench the slur or prgb'leen. appeared You car teieohene as btu dosing so will not preserve your eghts In your letter give urs the 'Pawn donator • Your came and Account manlier • The datar amount of rhe susp eted error • DeScnbe rift: ems mot espial If you tan. wiry boo believe there is an ermt Ur, reed brae intonesion describe the Stmt yaa are ut der Bial You day ria have no pay any amount In question wiot we Ore stvesudabne txn you are rail otuigtted to pay the pars of your be; that ere no! ,r: auesuen 'While we investigate your gaestcc'i we Canal: repnrl yon as delrquert Pi take any ale el 10 tmne't the ancon year a oration Special Rule for Credit Card Purchases- Ilya, have a problem mth we mainly rt goods m1 serves that you pert tesee *rah a c,wht mt. and yon have acid ,n goad fait, to correct the problem wit the me:chart Incyr nifty at have to pay the remove arra ie die on the Burd; or serraces Yee have this pet -Metter ply Wien the pr r'chae pI re wag more tar S50 and he purchase Was made In your home state or within 1 Oti :ries of your Meg addres, (0 me ewe or ooerate the mercnael rx c we tnaPEd you the adeereseeierit for the goods 0r series all mirehases are mimed regard:ess of the amount or ic:.'i!een of purdtase ) Payments Sind only your payment and the lop moor, C( this sa;errert in the a ooa-gpe provided Oe net send cash by Fencing your dieck as desutext above +au aut:crse IS to use *torment:your Check 191131e an electronic 1,ne trans'er from Roy 0r euni at the firemma- 1nelili b tt ar11011000 CO yore check re to f%ig015 fie (+ti'l'er! as a � `x -tar ifyinsardein .t payment re p Ocessae as a•• e.ertron:c toed tran<s!ei 7:a vender 011 be tontine amour.: of (0.0 cheek Whet, We rye intonation ftor, your dyeeS A make an Oct:V etre Lin.4 Eret'sier funk n•ay be he:Arahn Iron Smart a_i.nird as tory as the same day we rebuses your paymer, i. and you :mall ma mow year rancid, lards troll )vur Enemata mstriAnn The pen essieg fir yearn payment may be de*a're0.' t1 yo:, sere( cosh correspondence. or other items with Stair payrnont a yea send the lknyeneet by any eater address or !1 you use an ebivelope other Man the one promised Payments templed le proper form at our processing tacitly by';iPM local Ire or any y will be credited t0 your Accoer t as of That day Paymer t5 recurred a: our preteesing faddy after SPM lee -el trn0 will he ermined to •tram A1_munt as o1 too next wry It you nave misplaced yrtut envelope, sem! 9)u1 payment 10 Discover PO Sex 6103 Carel Steam IL 60197E105 Pease aKca 7-10 dies for ddnvey if your payment hs funned Lmp ad we reserve the right le risobrh r it as an e )azrcreri, dohs: Yet can pay y0in t'ihanten payment or a greater amount oyer the 0lephore. and pi! can sot up au:araac payment CaO aS at 1.8011.317-20ft3 You vat, need lies Slatt,nes i and yes:, bards eaount wlmrrnahen You ,rams ensure 11- net o fret furls are aeadubie m year hank account aro all tr ssactons must x50190 vnth U S law You *el he aged LCI provide the frit 5 dyes of pxa accau m sWernent ZIP cote Ey entering :.hose etil to is as Your electronic signature. you iv a! be agreeing lo Pim Al lem:atm to glow 1:& and your bank to deduct earn paymert ymu authorize from your Nett a:count and to neat debit or audit eria.e310 VGn bank account as app 001$5. nt area ; an ora in the all iiing m such payment You rust tell us tar amount of each paylnert a yar tan select an ammo. such as bee 6tinv:,um Payment Ove or hie New Ba since on tad I statement You can Cance! a payment new e r we must tacewe 001100 a! loot three business days r ala anco of he ;ct dl:1e t payment You may natty us by *trine al . eft 34? -2E85 cr 9M1• rad at the andress *1010 in the ;venam preempts if yoar pa'yrnenes Sari 10 anitxrit. we wt yeti ye,: a': each nienlhry sa;eirecn wrier your payment sot be enride and 1)00+ retch a will be You automata: payment amount may he less than e'ddmix'd era tie m0.nty slae0'1e4t brie_' ben 1001151 m lui01 eats revel duhny Ino bdrg ty0le Credit Reporting We may report infermason about yrrer account k credo borrows Late payments missed Shipments, air obiet detaue;• en your aaralt maybe reelected In your aed1 ne ext We nom!a!ly retain the statue ilei payment history of your Argue to cied.f repOrlriq ageoc f15 each rte'It 11 veil b:l:cur Mar me report Is r,a:xealale'J• n✓ irigMe 0. yease wine is at the takoneno adders 601100er. PO Box 15316, tVdmrytl DE 13958 5313 Pletasr. -'lurk your name adeasss ha:ie lealial the nu,riear and At'Cea,t [lento Grace Period on Purchases (at least 25 days). We tiolnr t0 rntu, c Periodic Finance Charges on al Immo:lions from tire Transaction pate 'art no transaction as sham en your bang &talar ent unless 0 ttarsaaem a ausled to 011) Account aten Ire 0k0ra of me bilin; yield In wheth it nears stn which case vxe begin to impose Peri ttic Firerx Flanges on Pea transaction from the first der of the here penal x' :•Mich n is posted 10 you; ACan;n. We umbnve to repose Periodic Finance Charges anal by dale year pa., your attire New Mance by making eayneeras or iv: ening credits However d you pale the Nem ba:a"ece a1 year piesecu5 bring statement Pi is Paymert Due Date shown oe that alley statement and you pay 1110 New BAY= by the Payment D;Y_- Date on y!N1 10>010111,hemp mat Vent. `:eve wit: nor r nper.,0 Por,9ic France Charges on new pulthrlseS. Ina* 10 purhase; firs: a,0101arung or the Oaten! statement We car hs!re'grace perm(' There,1 00 grace pea iod on balance bansiels 0r ::ash aloins Minimum Fiance Charge 130.0111 eilatge Sac 110001011101 FINANCE CHARGE of 52 00 for any Phil pence m Much Por.odre Finance Charges of less mar £2 00 «Orli otherwise 1)1 M:p0514 Annual Fee If rC1.-Ana:ant ins 00 arnua! lee n .0! be baled at the i nn:ng n1 each anniversary gess year Account is. teen The :mount et the fee appears an die statement when the ter: et diked The aroma' fee is nor retundab!e teles pct notify us !hat you wish to dose yew Aotani west 30 caps o' the 04009 sir delivery de:e;il bhp 114 eniont G^ Own, i flet lee foiled YOL err receive Ibis refund even army s0 yoar Card during that Rote Periodic Finance Charges. We rail your Iransaclwns ren armies of ;Utilises ;:ash ads lme:es and baits- ha asters and then 0tethai sed the hansaarois will :tech group by IhyrAr1s 0t ?erceetage Rate Nonexempt: pen:bases suited to a piomuboal rale and purd',ases s>s oo1 Ie a standard one mild be separate groups We refer ,0 these 91111 l as Iransarlhr' categories At tem end h,f each hiring period we c:ompu'.e balances rind Penudr Franco Charges fa earl; day ul Pie (nape peremi far ,+.ash tansac1cn category Yt use 110 Viewing 00:,av:,0 to compete Penick Finance Charges for each transaction category rAverage Daly balance) strifes (ear, m 0.10 1. item.* !nes tOeigy relook Rate) (Yee; may refer t0 he finance change summary on your DAN 01lemera for these 0 n1a:Ns j Then we add tap Me Rosario Fm dere Charges for eacn transaction category to ger Pr_ talc Pehredc Finan» Crergec ler yea Annul:t Pte Aveiage party' Bato oo ue sheen as zeio 1f hruaus0 01 the: grace fin bat no Pe cdc Firemen Charges apply le the tr:laor. In a transa"1Nn rategOly Ytra 0511110 Ara:fnrdi Das' Balance ('n1 ,Amg 11010 !rensadrr151 nietrx of caieueehng the bu0.noe:1Pt r inti ch •xe umese Periodic Finita• Charges We mottle lit Average Daly Behan for each hernatltnn category my addr', up all !ere day balances in a billing pato' for a lra:'saaan laleeery and drvelmg Me rola; Ry the number et days Irl the tells og pev.Jd We compute the, daily balarre fur each uensaaan .a!eeocey on cane day by fire: adding me fallowing :o the p:eras days da, y tialvro ;mesac:tons WO a TransaCaDn Dale a' that day es snows. en your bdnng sia!ement. sinless let ban5a10n s Hosted to year AJ1Ouni ate, yea close N the bang peed m whzn A ocaee rr w1rd1 case rhe hansaaon vii be added M the daily Matinee as of the 51st day ct foxi biting penal !r1 sync^ d x posted to your Aaanall '000 charged that day and Penni*: (irony Chau pee acaa0d Cr the provrus ere; e lady talar se and oy the 1j0110ccng arty credits aid payment that are applied against the balance of 110 transaction calegor, or that day to calculating the defy baance fen lie first day nl the hitting pond, we nnrsetl :he 't-evxas day's dahy biline to hose been yeti, Coerce Ir,, yeti ran5acicn cautery on the lest day of *icor eremous Of mg paled AS lees dlargea t0 Seat Account art eared. "cthe standard ou:haae (rarsulior categsry;eaih the 111Ce3Scn of Cash Adraece transaction Fee Finance Charges whit are graded o the apelesoetrueivelypoyinvpacticie category and fialanra Transfer 7,305a -foe Feeo F:eanco Changes whet are 1100501 111 tlei eoefirsh!e taatat xr :anter transacts, UA, W:1y Whore the. r. .FYCve the unperO barr'e Cl the batence transfer arca the 6o(ance Trsr?cr Transachan Fee France Cnargcs 10 the 4:ane is purchese transact Gregory Home t the Speed ate has brat •ernrakal older the Default Rata section ave leave: the unpaid baanc a ei the ba1anxe parser gift the Baine 1, ar&'er Transacle.r, Fes Pince Cl aiges e: the apple00110 ba1adce h rifer barman= category wet the special rate .ocld nacre exalted For TDD ITelecommunicatiOns Device for the Deaf) assistance please call 1.800-347-7449 DScover may 000000 ander record Ielephoro calls het ten you end Disco/en reeresento!1vee Lu cu; city as5v steux purposes Tte DI ones 000: is esand by Discover wank Idemam FDC 01090;101 DISC VER New Balance $1,483.54 WILLIAM ) CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due Account Number ending in 1713 544.00 Enter Amount Enclosed Below Payment Due Date March 1, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space obove Please pay online ® www Discover tom or make check payable to Discover PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014835400000000004400 Opening Date: January 5, 2010 - Closing Date: February 4, 2010 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payment: And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance See Finance Charge Summary section Ear detailed APR information Credit Line Credit line Available Cosh Advance Credit Line Cosh Advance Credit tine Available 31,489 07 44 00 i 13 08 + 0 00 + 0 00 + 25 39 • 0 00 $1,483 54 following transactions 31,50000 $1600 380000 31600 You may be able to avoid Periodic Finance Charges, see the reverse side for details See transaction detail for a description of any fees charged Cashback Bonus` Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Anniversary Month March 3 4 26 + 000 $ 4.26 Ta learn: more lag ,n er www.Discover.com and select Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1.800 -DISCOVER (1.800.347.2683) Please have your Discoverecard available 3 Write to us at Discover, PO Boz 30943, Solt Lake City. UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449 page 1 of 2 Payment Information New Balance 31,483 54 Minimum Payment Due 344 00 Payment Due Date March 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to 339 00 and your purchase APRs for new transactions may be increased up to the Default APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example IF you make no additional charges using this cord o'nd eoth month you pay: 'You will pay off the balance shown on this statement ':rn about . And you will end up paying an estimated total of Only the minimum payment 7 years 32,335 355 3 years $1,985 (Savings = $350 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more'`"—find easy ways to earn and redeem cosh rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Other/Miscellaneous 30088288 Trans. Date Feb 1 Feb 4 Post Date Feb 1 Feb 4 INTERNET PAYMENT - THANK YOU -44 00 PAYMENT PROTECTION PPD 1-877.883-1959 13 08 See reverse side DISCOVER parta9t 1010f mama .1!•E',, 4 M.:7,P aiaii ripe • (0,1 vlory. k atul Sve your Canimembet Agreement. Y. CA .40 ifl* •No Lost or stolen cards, ttLaor, Cz,r, -I-800.147.2E43 Billing Rights Summary 'n is (Nis.1.411(Tre.A1.7s.)1 ill: 47Uff, TOW , /Seer, kI 4,71.1 n a ii.eriarale, paiecr DFire),,:l. PO Eta 3li42 LeikeCily le:4131,312' a,aS ocet, Pie 'rei's rrui' hare Per, raii nr) e'er ihe .,ott onr.M. ers: iter9 yief Pler rli^ 'cant neteie • 11xi (tied, 7 NMII et lie ii.ri,irfserix! eke' • Cie-theL1N7 &wan .1 y...1,17u tI 7 7L.0C.10 tleiLents: Or,7.ryci. ;ire irsure Aly VA.-,11f7s1,3o,rj it !!!,:ii7dniir l'ia.71 yew.or: SW. 77177 7p7'174J7s c r7 taw eau, ID eeilie:ln .rrfAl von 0Jel777i Special Rale tnr Credrt Card Purchases Ill ys-.1i '1; 'yr reirprift Or: yriii fi7'dvisr...:7.,81 i '',7711...!•,1 or•e. , rP.1 n n‘,-Mant iinir enrl: peiy et -le arrexre. 3e ar • 77..6. or You 1,;vr. •ca Birl;7 hr s6,66 • s"rE kr. IS4.`5 L.1 y, ra! 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Voi (71:1(7(5771 "7771(1(1767 779577' mtre, y(Ael,..'7.C.C/Ur ti.en !"' t(i'. .77177, 86775'111' 117 1177fl71l,7(e '740. a"7,6l• flnk 'lel,' 77,6 14ji1 DB '677S3477. P1,..47t. p7,'75 "(17 771 Grace Person on Pturnases (ot least 25 days] rexise 517717(r7.57 -t77177 ' -7575177,-,"o: '1g; T :77.s,,lwolCc(' '77,0 11317(11,1Ic'161'7167' 717:7191 .1344i's a (7717(171717 7177,171; !his ..1) h 0-g 4? 3..iia176 1, .6 »!'' tkkj 17:77747 PArntir 7172.1.7771 .6 '711 "277777 677(7' r..c. 717, 277167. „177:. c<do Fps e. F ClaerIPSikse, jS4 pay P.A. enrmkkiN e1717.5 :shfr, 'Id ti.etirsIV.' •Wit,vs..; perry: Hiviever 1 517..7 ;mid 5,3,7,75', o' 'M. 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',1'e 'J77•7.: yiki 113 :FINANCE CHARGE .;.tS, 77"1 44:771.!ri73 pyrtAr Ae,;!, Ps7.'Y:1, 77'7''.. .777176 .P.F.SS15s, bs '77 7175 Annual Fee 71 ata e .14:1 cr. 1,.7 1,"1•77inivetioy Nal rpt, appe.irkC"1t167t-'l161(,¼'lI7.t 441 ME ton 7111(171 -,117.17 :1131 sVuSs Ai, :',..:Id7r:.5:601117.,i1sr,-.171 yfyy -.1.11.?;;1:1cs ;MI :11 IN, 70 P,S (ekell e15,- yna tn,r, Ce, n'3 (17767:rain,: Chl,t,""A 777" ).7, rms-i arr: :r`iee air." 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C7.712,-..S.57C1 71a 417 770. day y "-a trC 1:7 88iie•=leerzele e, a!'t". 66' 177 47.77-7:77470 t)V.E ee oy 4,130088277 tfy c:" '77(17417.7 (161 174314 i•ans-re:eoe isHiSjf I4r Veil day ee hi p7100 51. te0",6010911' 77.7 7(7111.40," 110744111755 rtai,00t srvn wri'- ((((7 ('7751:'7' rz.0, Tqlos.?...4,011 471'7717.71 (7, 7>,.•7 571,7tris c17i15i177 err! fla.ae::ie liaixI-ni Frier ,3775 ChrvIc. yin •-.11 yr. 177c3.04 711:1(00,, For MO relecommurecahans Demo for the Deaf) eaststance. please call 1.800.347. (449 7,7171[7. 175e747111 rOf OM '1" 11....St.;1:A. 77:747(7 1'w 5(7.7111,11isire ;)"..e(1.117 777711717 DISC VER it pays to DISC VER WILLIAM J CALVERT Account number ending in 1713 poge 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 31 days Balances Rates RATES RATES CHARGES CHARGES Purchases $1,495 68 0 05477% 19 99% V 19 99% $25 39 $0 Cash Advances $0 0 06847% 24 99% 24 99% $0 $0 V = Variable Rate Information For You Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any porhan of a new purchase, paid within 25 days of the Closing Date on this billing statement 30088288 Questions? Visit www.Discover.com or call I -800-DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance S1,475.36 WILLIAM J CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Minimum Payment Due Account Number ending in 1713 $44.00 Enter Amount Enclosed Below Payment Due Dote Apra 1, 2010 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Please pay online ® www Discover corn or make check payable to Discover PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014753600000000004400 Opening Date: February 5, 2010 - Closing Date: March 4, 2010 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance See Finance Charge Summery section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available $1,483 54 44 00 + 13 01 + 0 00 + 0 00 + 22 81 + 000 $1,475 36 following transactions $1,50000 $24 00 $800 00 $24 00 You may be able to avoid Periodic Finance Charges, see the reverse side for details See transaction detail for a description of any fees charged Cashback Bonus{' Anniversary Month March Opening Cashbook Bonus Balance $ 4 26 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 4.26 lo kern mow lag m e' www.Discover.com and seIeci Rewords 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800.DISCOVER (1-800-347-26831 Please have your Discover'cord available 3 Write to us of Discover, PO Box 30943. Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449 page 1 of 2 Payment Information New Balance $1,475 36 Minimum Payment Due $44 00 Payment Due Dote April 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this card and each month you pay 'You will pay df the. balance shown on tilts statement in about .And you will end up paying an 'esh.mated total of . Only the minimum payment 8 yeas $2,653 $55 3 years $1,973 (Savings = $680 ) 1 you would like information about credit counseling services, call 1.800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to y down your balance, securely occess statements, pay bills online and easily track all transactions Make your money worth moresm—find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Payments and Credits 011ier/Miscellaneous 30088288 Trans. Dote Mar 1 Mar 4 Post Date Mar I Mar 4 INTERNET PAYMENT - THANK YOU -44 00 PAYMENT PROTECTION PPD 1.877-883-1959 13 01 See reverse side DISC•VER- Import:nit dormabop rd3,r, 11.a,, oft 4r f, • t311,9 411 frhy uac< o See your Cardnossber Agmernent. cosio .411 1 soo Lo( or stolen cards. 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WIWAM J CALVERT Account number ending in 1713 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 28 days Balances Rates RATES RATES CHARGES CHARGES Purchases $1,488 26 0 05477% 19 99% V 19 99% $22 81 $0 Cash Advances $0 0 06847% 24 99% 24 99% $0 $0 V = Variable Rate Information For You Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Dote on this billing statement This month, the featured Cashback BonuslRi Redemption Partner is Bed Bath & Beyond(R) Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card See the entire year's worth of expenses The year end summary can streamline the way you manage your expenses by showing you every transaction on your Discover Card account throughout the calendar year Online you'll see the total amount of all your transactions, including payments, purchases, and credits Go to Discover com/summary todoyl 30088288 Questions? Visit www.Discover.com or call 1 -800 -DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance Minimum Payment Due $1,469A5 $44.00 Payment Due Dale May 1, 2010 WILLIAM 1 CALVERT PO BOX 60408 KNG OF PRUSSA PA 19406-0408 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 1713 Enter Amount Enclosed Below 1 Pay online at www Discover com or make check payable to Discover Phone and internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986456454272014014694500000000004400 Opening Date: March 5, 2010 - Closing Date: April 4, 2010 Discover More Card Account Summary Account number ending in 1713 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance $1,475 36 44 00 + 12 96 + 0 00 + 000 + 25 13 + 000 81,469 45 See Finance Charge Summary section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available 81.500 00 $30 00 $800 00 $30 00 You moy be able to avoid Periodic Finance Charges, see the reverse side for details t. See transaction detail for a description of any fees charged Cashback Bonus' Opening Cashback Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance Anniversary Month March $ 4 26 + 000 $ 4.26 1a learn mare rag :n m www.Discover.com and select Rewords 3 Easy Ways to Contact Us 1 Access your account securely al www.Discover.cem 2 Call 1.800 -DISCOVER (1-800-347-2683) Please have your Drscavere%card available 3 Write to us of Discover, PO Box 30943. Salt lake City, UT 84130 For TOD (Telecommunications Device For the Deaf) assistance, please call 1.800.347-7449 page 1 of 2 Payment Information New Balance $1.469 45 Minimum Payment Due $44 00 Payment Due Date May 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transections may be increased up to the Default APR of 24 99% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will lake you longer to pay off your balance For example If you make no additional charges using this cord and each month you pay You will pay df the balance shown on this statement .in about And you will end up paying an estimated total of . Only the minimum payment 8 years $2,638 $55 3yeah $1,965 (Savings = $673 ) If you would like information about credit counseling services, call 1.800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morem—find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Other/Miscellaneous 30088288 Trans. Posl Date Dote Mw 31 Mar 31 INTERNET PAYMENT - THANK YOU -44 00 Apr 4 Apr 4 PAYMENT PROTECTION PPD 1.877.883.1959 12 90 See reverse side DISCOVER You con pay your monthly Minimum Payment Due, over the telephone or you can setup automatic 1-800-347-2683. Automatic payments will be ded date (e.g. the 15th day of the month) that occurs weekend or bunk holiday, your payment will be to schedule monthly paymentstelephone you will asked to provide the last four (4) digits of the social your electronic Signature, you will be agreeing to thi authorize, in the amount selected by you, from your your bank account, as applicable, to correct an err payment by phone at 1.800.347.2683 or by mail must receive notice at least three business days in a we will tell you on each monthly billing statement that sufficient funds are avoilahle in your bank acc You can set automatic payments for (i) statement N Payment Due plus a fixed dollar amount, or (iv) a fi the Minimum Payment Due as listed on your monthly increased to cover the Minimum Payment Due. If the excess will be applied in accordance with your Ca Balance on your billing statement, that payment will payment amount may be less than the amount indic Closing Date. a greater amount that does not exceed your current Account balance, is through a customer service representative by calling ed on the Payment Due Date unless you request a recurring payment e your Payment Due Date. If your scheduled payment date falls on a the business dayprior to the weekend or bank holiday. In order need this statement and your bank account information. You will be urity number of the primary borrower. By providing those numbers as authorization to allow us and your bank to deduct eoch payment you account. You also authorize us to initiate debit or credit entries to in the processing of such payment. You can cancel o scheduled Discover, PO Box 30421 Salt lake City, UT 84130-0421 however we nce of the scheduled payment. If your payments may vary in amount, your payment will be mode and how much it will be. You must ensure at, and all transactions must comply with U.S. law. Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum dollar amount, If your scheduled fixed payment is not enough to cover billing statement, your scheduled payment for that month will be he led payment is greater than the Minimum Payment Due, any ember Agreement. If your scheduled payment is greater than the New rocessed only for the amount of your New Balance. Your automatic on the periodic statement based on credits or payments after the 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: 0 Full Pay ❑ Min Pay [J Min Pay + $ , 0 Fixed Pay$ Bank Routing #: , Bank Account #: Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each mon h. Ifou believe that our report is inaccurate or incomplete, please write us at the following address: Discover. PO Box 15316, Wilmington, mington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number Paying Interest. We begin to impose interest charges on a transaction fee or interest charge from the day we odd it to the daily balance. i1Ne continue to impose interest chorges 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 !wing Interest on Purchases ("Grace ?eriod") IF you paid the New Balance on your previous bilk statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Pur that first appear on the current billing statement. How We Apply Payments MayImpact Your Grace Period Il you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get o grace period on new Purchases. How We Cakulate Interest Charges Daly Balance Method (including current transactions): We cakulate interest charges each billing period by first figuring the "daily belongs" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure dee Darty Balance for Each Transaction Category We start with the beginning balance for eac t day. The beginning balance for the first day of the billing period is your balance on the Iasi 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 Igter 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 dharges 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. r �. How We Include Fees We add Balance Transfer Fees to the applicable Baksnce Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We odd all other fees to the standard Purchase Transaction Category. Basan. Subject to Interest Rat.. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Intere* Rote is the average of the daily balances during the biting period. Crodit balances. If your Account hos a credit balani e, 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 Deal) aMsislenc., please call 1.800.347.7449. DiaQQ nitor and/or record telephone calli between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFEOO1 Questions? Visit wwtv.Discovar.com or call 1.800 -DISCOVER (1.800-347-2683 . DISCOVER' SXZ LZZ0000 tOV9NScS DISC VER ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cosh Advonces Fees Charged Interest Charged New Balance 51,783.68 555.05 + 50.00 + $0.00 + $0.00 + $0.00 + 50.00 51,728.63 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line 51,500 Credit Line Available Cosh Advance Credit Line Cosh Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. $o S800 50 Contact Us Discover.com 1-800.347.2683 J Make Check payoble to Discover Please fold on the perforation below, detach and return with your payment Discover More Card Account number ending in 1713 Open Date: Jon 23, 2013- Close Date: Feb 22, 2013 Cardmember Since 2008 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Poyment Due' Payment Due Date " Includes post due amount of: $1,728.63 $595.00 March 17, 2013 $543.00 Late Payment Warning: If we do not receive your minimum payment by the dote listed obove, you may have to pay a lote fee of up to 535.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24.99% variable. Minimum Payment Warning: If you moke only the minimum payment each period, you will pay more in interest and it will take you longer io pay off your bolonce. For example: 1f Yb1t epi no { ihot of titorgex.: ua1ng tfn* ar 04 rttofatk You pay tiff ibt. alarm, we on i3 srolernotti. to 0664 Artdyouwili end.iip Only theminimumpayment .............__.4..y_ears ' S1,729 f you would like information about credit counseling services, call 1-800.347.1121. REWARDS Cashback Bonus® Opening Balance New Cashbook Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com $ +5 —$ Anniversary Month March 0.00 0,00 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Flog. d' not iafcL clip: or pie, Pay Qiillfl4 Pay by sone: 4,4940:34746$3 WILLIAM J CALVERT 4227 NANTUCKET DR MECHANICSBURG PA 17050-7649 3008828& Internet payments must be received by 5PM ET to be credited os of the same day Address, e-mail or telephone changed? Note changes on reverse side 000001986456454272014017286300307950059500 Account number ending in I Minimum Payment Due New Balance Payment Due Date Amount enclosed 1713 5595.00 51,728.63 March 17, 2013 PO BOX 6103 CAROL STREAM IL 60197-6103 WILLIAM .1 CALVERT Account number ending in 1713 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 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, Soli Lake City, UT 84130-0421. You must write to us within 60 days offer the error apaeored on your statement. 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. The Billing Rights Notice further exploins your rights. A copy of this notice is available at https://discover.com/billingrights. Payments. You may poy all or port of your Account balance at ony time. However, you must poy of least the Minimum Poyment Due by the Payment Due Dote. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cosh. If you pay by check, you authorize us to use information on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as 0 check tronsoction. If a payment is processed os 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 occount as soon as the some day we receive your poyment, and you will not receive your check bock from your financial institution. The processing of your poyment may be delayed if you send cosh, correspondence or other items with your poyment, if you send the poyment to any other address or if you use on envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local lirne on any day will be credited to your Account os of that doy. Payments received of our processing focility after 5PM local time will be credited to your Account os 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 doys for delivery. If your poyment is returned unpoid, we reserve the right 10 resubmit it as an electronic debit. Payments made online or by phone will be credited as of the doy of receipt if made by 5 PM Eostern time. You can poy your monthly MinimumPayment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup outomotic payments through a customer service representative by calling 1-800-347-2683. Automatic poyments for the billing period shown on your statement will be deducted on the Payment Due Date shown on )hot statement, or the next automatic poyment date referred to on your statement, unless you request a recurring payment dole (e.g., the 15'" day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment dote falls on a weekend or bonk 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 bonk account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this outhorizotion to ollow us and your bank to deduct each poyment you outhorize, in the amount selected by you, from your bank occount. You also authorize us 10 initiate debit or credit entries to your bank account, as applicable, to correct on error in the processing of such poyment. You can cancel o scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130-0421; however, we must receive notice of least three business days in advance of the scheduled payment. If your payments may vary in omount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open Date: Jan 231 2013 - Close Dote: Feb 22,.2013 Poge 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions must comply with U.S. law. You con set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due as listed on your monthly biting stotement, your scheduled payment for that month will be increased to cover the Minimum Poyment 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 poyment is greater than the New Bolonce on your billing statement, that payment will be processed only for the amount of your New Balance. Your outomotic payment omount may be less than the omouni indicated on the billing statement based on credits or payments offer the Close Dote. If you enroll by phone in our outomotic poyment service, please fill-in the following blanks below and retain the authorization for your records. Amount: LI Full Pay U Min Pay L! Min Pay+ S (.I Other Amount$ ; Bonk Routing #: Bonk Account # Monthly on the ' Payment Due Date LJ Close Date Day of month (insert date) Credit Reporting. We may report informotion about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19650-5316. Pleose include your name, oddress, home telephone number and Account number. Paying Interest. Your due dole is al least 25 doys after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due dote each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Tronsaction Dote or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Chorges. We Use the Daily Balance Method (including current transactions) to calculote the Balance Subject to Interest Rote. For more information, please call us of 1-800-347-2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rote. It shows this for each tronsaction category. The Balance Subject to Interest Rate is the overage of the doily 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 ogainsi this amount if your Account is open. We will send you o refund of any remaining balance of 51.00 or more after 6 months, or as otherwise required by applicable low, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and/or record telephone calls between you and Discover representatives for quolity assurance purposes. The Discover0 card is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Addre City 3ib6288 1....._. Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next pope DISC VER CONTACT US A Web Access your account securely 01 Discover.com sr Transactions Payments and Credits 0 Mobile Manage your account anytime, anywhere al m.Discover.com Trans. Date Feb 13 Discover More Card Account number ending in 1713 Open Dote: Jon 23, 2013 - Close Dote: Feb 22, 2013 Page 3 of 4 Phone1-800 InquDiscovryer Mail Payments 1 -800 -DISCOVER Discover Discover (1-800-347-2683) PO Boer 30943 PO Boz 6103 TDD 1-800-347-7449 Solt Lake City Carol Stream UT 84130 IL 60197-6103 Post Date Feb 13 IDENTITY THEFT PROTECT SETTLEMENT REFUND (800)347-5538 -55.05 Fees TOTAL FEES FOR THIS PERIOD Interest Charged 2013 Totals Year -to -Date TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 S 0.00 5 0.00 $ 0.00 S 0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 19.99% V $0.00 50.00 Cash Advances 24.99% 50.00 S0.00 V=Variable Rote 30088288 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION WILLIAM J CALVERT Account number ending in 1713 Open Dote: Jan 23, 2013 • Close Dote: Feb 22, 2013 Poge 4 of 4 30088288 DISCOVER' CARDMEMBER AGREEMENT TL23CD.1210 Thank you for choosing Discover® card. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this Agreement. Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We have included a "Definitions" section for your reference on page 4. ACCEPTANCE OF AGREEMENT You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the Account. You may, however, reject the "Arbitration of Disputes" section as explained in that section. CHANGES TO YOUR AGREEMENT The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required by law, we will give you advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law. USING YOUR ACCOUNT Permitted Uses You may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions. Authorized Users You may request additional Cards for Authorized Users. You must notify us if you wish to cancel the authority of an Authorized User to use your Account. Joint Accounts If your Account is a joint Account: • each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and • any notice we mail to an address provided by either of you for the Account will serve as notice to both of you Checks If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer or Cash Advance. You may not use these Checks to pay any amount you owe us. Credit Authorizations We may not authorize a transaction for security or other reasons, We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card, Check or Account number. Credit Lines We will tell you what your Account credit line is. You must keep your Account balance below your Account credit line. If you do not, we may request immediate payment of the amount by which you exceed it. We may establish a lower credit line for Cash Advances. We may increase or decrease your Account credit line or your Cash Advance credit line without notice. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 business days. FEES (See your Pridng Schedule for Additional Fees) Late Fee If you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a Late Fee. The fee is $25 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed. Returned Payment Fee If you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if the payment is honored after we re -submit it. The fee is $25 if you were not charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. Returned Check Fee We will charge you a Returned Check Fee each time we decline to honor a Check. The fee is $25 if you were not charged a Returned Check Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the amount of the Check. Research Fee We may charge you a Research Fee of S5 for each copy of a billing statement or sales slip that you request. We will not charge this fee if you request copies in connection with a billing dispute. ©2010 Discover Bank, Member FDIC -1- ANNUAL PERCENTAGE RATES ("APRs") (See your Pricing Schedule for the APRs, including Penalty APRs, that apply to your Account) Variable APRs Your Pricing Schedule may indude variable APRs. These APRs are determined by adding the number of percentage points that we specify to the Prime Rate. Variable APRs will increase or decrease when the Prime Rate changes, The APR change will take effect on the first day of the billing period that begins during the same calendar month that the Prime Rate changes. An increase in the APR will increase your interest charges and may inuease your Minimum Payment Due. Penalty APR When It Applies Each time that you do not pay the Minimum Payment Due by the Payment Due Date we may: • terminate any promotional APRs on new transactions; and • increase your APRs for new transactions to Penalty APRs. We will not apply a Penalty APR to Cash Advances. How It Affects Your Account To determine the variable Penalty APR for a new transaction: • We add up to 5 additional percentage points to the otherwise applicable APR. • We set your Penalty APR based on your creditworthiness and other factors. These factors include your current APRs and Account history. • When we first determine the Penalty APR, we use the Prime Rate that is in effect for the billing period in which you did not pay the Minimum Payment Due by the Payment Due Date. t o tiahr e Will Notify You We will notify you of the date a Penahy APR will take effect. The Penalty APR will only apply to new transactions with a Transaction Date more than 14 days after we provide the notice to you. We May Reduce It We will review your Account from time to lime as required by law to determine if any Penalty APR should be reduced. MAKING PAYMENTS Payment Instructions • You must pay us in U.S. dollars. All checks must be drawn on funds on deposit in the U,S. • You must pay us for all amounts due on your Account. This includes charges made by Authorized Users. • We may refuse to accept a payment in a foreign currency. If we do accept it, we will charge your Account our cost to convert it to U.S. dollars. • We can accept late payments, partial payments or payments marked 'payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement. • We uedit your payments in accordance with the terms contained on your billing statement. • If you mail your payment to an address other than the address designated on your billing statement, there may be a delay in processing and crediting the payment to your Account. Minimum Payment Due You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the greater of: • S20; or • any past due amount plus the greater of: — 3% of the New Balance shown on your billing statement (excluding any Interest Charges and Late fee shown on your billing statement); or — any Interest Charges and Late Fee shown on your billing statement, plus 315 (not to exceed 4% of the New Balance). The Minimum Payment Due may also include amounts by which you exceed your Account credit line, It will never exceed the New Balance. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due is rounded up to the nearest dollar. How We Apply Payments We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. INTEREST CHARGES How We Calculate Interest Charges—Daily Balance Method (including current transactions) We calculate interest charges each billing period by first figuring the "daily balance' for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period. • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. -2- • 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 Bal ce 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. INTEREST CHARGES Paying Interest When Interest Charges Begin We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us, You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ('Grace Period') 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, or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. OTHER IMPORTANT INFORMATION Default You are in default if: • you file bankruptcy or another insolvency proceeding is filed by you or against you; • we have a reasonable belief that you are unable or unwilling to repay your obligations to us; • you die or are legally dedared incompetent or incapacitated; • you fail to comply with the terms of this Agreement or any Agreement with us or an Affiliate, induding failing to make a required payment when due, exceeding your Account credit line or using your Card or Account for an illegal transaction. If you are in default, we may declare the entire balance of your Account immediately due and payable without notice. Collection Costs If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys' fees, court or other collection costs, and fees and costs of any appeal. Merchant Disputes If you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a credit to your Account. You assign to us your claim for the credited amount against the merchant and/or any third party. At our request, you agree to provide this assignment in writing. Automatic Billing Arrangements You may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us to provide this updated information to any such merchant at our discretion. You must contact the merchant directly if you wish to stop automatic billing. Our Privacy Policy We send you our Privacy Policy when you open your Account and annually. Contact us or visit Discover.com if you would like a copy. Please read it carefully. It summarizes: • the personal information we collect; • how we safeguard its confidentiality and security; • when it may be shared with others; and • how you can limit our sharing of this information. Reporting to Credit Reporting Agencies We may from time to time review your credit, employment and income records. We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. If you believe that information we reported is inaccurate or incomplete, please write us at Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home phone number and Account number. Our Communications with You You agree that our personnel may listen to or record phone calls between you and our representatives without additional notice to you including calls we make to collect debts. We may use any medium permitted by law including mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail, text messages and calls to your cell phone (which may be at your expense) to contact you about your Account or to offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, you must either call us at 1 -800 -DISCOVER (1-800-347-2683) or write to us at Discover, PO Box 30961, Salt Lake City, UT 84130-0961. Please include your name, address and Account number. Unauthorized Use You must notify us immediately if: • your Card is lost or stolen; or • you believe someone is using your Account or a Card without your permission. Cancellation of Y Account • You may cancel your Account, You will remain responsible for any amount you owe us under this Agreement. • Any joint Accountholder may cancel a joint Account. However, -3- both of you will remain responsible for paying all amounts owed. • We may cancel, suspend or not renew your Account at any time without notice. Purchases and Cash Advances in Foreign Currencies If you make a Purchase or Cash Advance in a foreign currency, we will convert it to U.S. dollars using a rate we choose. This rate will either be a government -mandated rate, a govemment-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made. We use the rate in effect on the conversion date for the transaction. This rate may be different than the rate in effect on the Transaction Date for the transaction. Governing Law This Agreement is governed by applicable federal law and by Delaware law. Severability If any part of this Agreement is found to be invalid, the rest of it will still remain in effect. However, if the Class Action Waiver in the "Arbitration of Disputes" section is invalidated in any proceeding in which you and we are involved, then the "Arbitration of Disputes° section will be void with respect to that proceeding. Enforcing this Agreement We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Assignment of Account We may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. CONTACT US Unless we tell you otherwise, you can notify us: • by phone at 1-800 DISCOVER (1-800-347-2683) or • in writing to Discover, PO Box 30943, Salt lake City, UT 84130-0943. When writing, please include your name, address, home phone number and Account number. You must contact us within 15 days after changing your e-mail address, mailing address or phone number. DEFINITIONS "Account' means your Discover card account. 'Affiliate" means our parent corporations, subsidiaries and affiliates. "Authorized User° means any person you authorize to use your Account or a Card, whether you notify us or not. "Balance Transfer" means a balance transferred from another creditor to your Account. "Card" means any one or more Discover cards issued to you or someone else with your authorization. °Cash Advance" means the use of your Account to: • obtain cash from participating automated teller machines, financial institutions or other locations; • purchase lottery tickets, money orders, casino chips, foreign currency or similar items. "Check" means any check we send to you to access your Account. "Pricing Schedule' means the document entitled, "Pricing Schedule, which lists the APRs that apply to your Account and other important information. "Prime Rate means the highest rate of interest listed as the U.S. Prime rate in the Money Rates section of The Wall SheetJournal on the last business day of the month. "Purchase" means the use of your Account to purchase or lease goods or services at participating merchants. "We," "us" and "our' refer to Discover Bank, the issuer of your Card. "You," "your" or "yours' refer to you and any other person (s) who are also contractually liable under this Agreement. "Transaction Date" means the date shown on your billing statement for a transaction or fee. ARBITRATION Agreement to arbitrate. If a dispute arises between you and us, either may choose to resolve the dispute by binding arbitration, as described below, instead of in court. Any claim (except for a claim challenging the validity or enforceability of this arbitration agreement, including the Class Action Waiver) may be resolved by binding arbitration if either side requests it. This includes claims and disputes relating to any other Account or agreement you have or had with us. THIS MEANS IF EITHER YOU OR WE CHOOSE ARBITRA- TION, NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION. CLASS ACTION WAIVER. ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit. -4- Your Right to Go To Small Claims Court. We will not choose to arbitrate any claim you bring in small claims court. However, if such a claim is transferred, removed or appealed to a different court, we may then choose to arbitrate. Governing Law and Rules. This arbitration agreement is governed by the Federal Arbitration Act (FAA). Arbitration must proceed only with the American Arbitration Association (AAA) or JAMS. The rules for the arbitration will be those in this arbitration agreement and the procedures of the chosen arbitra- tion organization, but the rules in this arbitration agreement will be followed if there is disagreement ARBITRATION between the agreement and the organization's procedures. If the organization's procedures change aper the claim is filed, the procedures in effect when the claim was filed will apply. For a copy of each organization's procedures, to file a claim or for other information, please contact: • AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.org (phone 1-800-778-7879) or • JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www.jamsadr.com (phone 1-800-352-5267). If both AAA and JAMS are completely unavailable, and if you and we cannot agree on a substitute, then either you or we may request that a court appoint a substitute. Fees and Costs. If you wish to begin an arbitration against us but you cannot afford to pay the organization's or arbitrator's costs, we will pay those costs if you ask us in writing. Any request like this should be sent to Discover, PO Box 30421, SA Lake City, UT 84130-0421. If you lose the arbitration, the arbitrator will decide whether you must reimburse us for money we advanced for you for the arbitration. If you win the arbitration, we will not ask for reimbursement of money we advanced. Additionally, if you win the arbitration, the arbitrator may decide that you are entitled to be reimbursed your reasonable attorneys' fees and costs (if actually paid by you). Hearings and Decisions. Arbitration hearings will take place in the federal judicial district where you live. A single arbitrator will be appointed. The arbitrator must: • Follow all applicable substantive law, except when contradicted by the FAA; • Follow applicable statutes of limitations; • Honor valid claims of privilege; • issue a written decision including the reasons for the award. The arbitrator's decision will be final and binding except for any review allowed by the FAA. However, if more than $100,000 was genuinely in dispute, then either you or we may choose to appeal to a new panel of three arbitrators. The appellate panel is completely free to accept or reject the entire original award or any part of it. The appeal must be filed with the arbitration organization not later than 30 days after the original award issues. The appealing party pays all appellate costs. The appellate panel may order that the loser of the appeal pay the winner's costs and attorneys' fees. Any arbitration award may be enforced (such as through a judgment) in any court with jurisdiction. Other Beneficiaries of this Provision. In addition to you and us, the rights and duties described in this arbitration agreement apply to: our Affiliates and our and their officers, directors and employees; any third party co-defendant of a claim subject to this arbitration provision; and all joint Accountholders and Authorized Users of your Account(s). Survival of this Provision. This arbitration provision shall survive: • closing of your Account; • voluntary payment of your Account or any part of it; • any legal proceedings to collect money you owe; • any bankruptcy by you; and • any sale by us of your Account. You May Have the Right to Reject Arbitration. You may reject the Arbitration of Disputes section but only if we receive from you a written notice of rejection within 30 days of your receipt of the Card. You must send the notice of rejection to: Discover, PO Box 30938, Salt Lake City, UT 84130.0938. Your rejection notice must include your name, address, phone number, Account number and personal signature. No one else may sign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. However, if you previously had the chance to reject an arbitration agreement with us but did not, you may not reject it now. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you once sent us a rejection notice on a different account or card, you must send us a new rejection notice or else this arbitration agreement will apply to any disputes with us relating to your other accounts or cards. Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If 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. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 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. What Will Happen After We Receive Your letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter, We will also tell you if we haw already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error. • We cannot try to collect the amount in question, or report 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. • 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. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 1i2.day5 telling us that you still refuse to pay. If you do so, 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 reported you as delinquent, and we must let those organaations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first S50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to 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 550. (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 same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, 8 we think you owe an amount and you do not pay, we may report you as delinquent. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL Discover° Cardmembers are provided with 5500,000 Scheduled Air Travel Accident Insurance against Accidental Loss of Life arising ACCIDENT INSURANCE from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased with your Discover card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft. SECONDARY RENTAL CAR COLLISION Discover° Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. if you rent a COVERAGE vehicle for 31 consecutive days or less (or 45 days under certaai circumstances) with your Discover card, you may be eligible for benefits under this coverage. 2417 TRAVEL ASSISTANCE 24/7 Travel Assistance provides Cardmembers and their families a wide range of free travel assistance benefits For more information and a description of these plans, features, benefits, definitions, exclusions, and information on how to file a claim, please go to Discover.comlmybenefits or call 1 -800 -DISCOVER (1-800-347-2683). -6 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre -Paid, on 1 day of , 2014 upon the following: William J. Calvert 4227 Nantucket Drive Mechanicsburg, Pa 17050 By: W William T. Molczan, quire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30088288 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for th., Argument Court.) CAPTION OF CASE (entire caption must be stated in full) DISCOVER BANK vs. WILLIAM J CALVERT No. 13 -4304 CIVIL Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT 2. Identify all counsel who will argue cases: (a) for plaintiffs: William T. Molczan, Esq., Weltman, Weinberg & Reis, Co. L.P.A. (Name and Address) 436 Seventh Avenue, Suite 1400, Pittsburgh, PA 15219 (b) for defendants: William J. Calvert (Name and Address) 4227 Nantucket Drive, Mechanicsburg, PA 17050 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: JUNE 27, 2014 Date: Ma\ ` I 701 Lk INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. ADMINISTRATOR (not the Prothonotary) after the case is relisted. 7Pade4,, 4. If argument is continued new briefs must be filed with the COURT g /9 Signature Print your name Plaintiff Zanl Attorney for IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CML DIVISION DISCOVER BANK, Plaintiff, vs. WILLIAM J CALVERT, Defendant. i Case No.: 13-4304 CML ORDER OF COURT AND NOW, to -wit, this 'Z-rday of 3 - , 2014, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is enter d in favor of Plaintiff for $1,728.63 with interest at the rate of 6.00% per annum from the date of judgment, and costs. c' rn cc) r'i CFri- d -tin, -<� V C Dc r C -i r ,- WWRIO 30088288 oF l•)L ED -0F F:L.L t PRO MONO TA, 21714 AUG _7 PH 3 5v IN THE COURT OF COMMONQ�.[Q'T fAL' AND COUNTY, PENNSYLVANIA C L'V'�ION DISCOVER BANK Plaintiff vs. WILLIAM J CALVERT Defendant. Case No.: 13-4304 CIVIL TYPE OF PLEADING PRAECIPE FOR JUDGMENT PER ORDER OF COURT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T Molczan, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2500 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 30088288 $1728.63 atatIG,66?ct atib e,Ut ii(0q(Digse 8_ Th4J3cRsc ok� (flcIed IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. WILLIAM J CALVERT Defendant. Case No.: 13-4304 CIVIL PRAECIPE FOR JUDGMENT PER ORDER OF COURT TO THE PROTHONOTARY: Kindly enter Judgment against the Defendant, WILLIAM J CALVERT, in the amount of $1728.63 computed as follows: Amount Awarded: $1728.63 Interest at the interest rate of 6% From the date of judgment TOTAL: $1728.63 Attached is a copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG & REIS, CO., L.P.A. By: .&Z William T Molczan, Er uire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2500 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 Plaintiff's address is: c/o Weltman, Weinberg & Reis, Co., L.P.A., 2500 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219 And Defendant's address is: 4227 NANTUCKET DRIVE, MECHANICSBURG, PA 17050 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that the parties against whom Judgment is to be entered according to the Praecipe attached are not members of the Armed Forces of the United States or any other military or non-military service coveredby the Soldiers and Sailors Civil Relief Act of 1940. The undersigned further states that the information is true and correct to the best of the undersigned's knowledge and belief and upon information received from others. WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T Molczan, E uire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2500 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#30088288 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. WILLIAM J CALVERT, Defendant Case No.: 13-4304 CIVIL ORDOI OF COURT AND NOW, to -wit, this 2:4day of 34.A. , 2014, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $1,728.63 with Interest at the rate of 6,00% per annum from the date ofjudgment, and costs. WWR# 30088288 C— N, N) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. WILLIAM J CALVERT Defendant. WILLIAM J CALVERT 4227 NANTUCKET DRIVE MECHANICSBURG, PA 17050 Case No.: 13-4304 CIVIL NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on / (xx) Assumpsit Judgment in the amount of $1728.63, plus interest at 6% per annum, plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of (xx) Court Order ( ) Non -Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration Award ( ) By Consent Prothonotary By:' PROTHONOTARY (OR DEPUTY)