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Home My WebLink About13-4508 Supreme Cout•to f� , e�nnsylvania tiv WR # 30145597 C A Pit SJS Co I ,of�Common, leas ' For Protormta h Use On • � IVI Cover�SheCt. : C UMBER Docket No: 00 I77e information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers as required by law or rules of court. Commencement of Action: S 1a Complaint ❑ Writ of Summons ❑ Petition E Transfer from Another Jurisdiction 03 eclaration of Takin C DISCOVER BANK Lead Plaintiff's Name: Lead Defendant's Name: T NATHAN P BEAHM I O Are money damages requested? ® Yes ❑ No Dollar Amount Requested: ® within arbitration limits N (check one) ❑ outside arbitration limits A Is this a Class Action Suit? ❑ Yes 13 No Is this an MDJ Appeal? ❑ Yes W No Name of Plaintiff /Appellant's Attorney: William T. Molczan,47437 ❑ Check here if you have no attorney (are a Self- Represented [Pro Sel Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Protection Administrative Agencies • Malicious Prosecution M 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 E3 Product Liability (does not include r3 Employment Dispute Mass tort) Discrimination C ❑ Slander /Libel/Defamation ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other: ❑ Other: I ❑ Other: O 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 f3E �r=� "�GTf�iidU�IA ELY i!? fUG — I PPI 9: p7 '31111IRLAND COUNTY PENtis YLWA,NIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: - % �vO , V�! �.13 vs. COMPLAINT IN CIVIL ACTION NATHAN P BEAHM 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 30145597 C A Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No NATHAN P BEAHM 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 19 ANNETTE DR ENOLA, PA 17025 5. Defendant applied for and received a credit card bearing the account number,XXXXXXXXXXXX7078. 6. Defendant made use of said credit card and has a current balance due of $5118.36. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11 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, NATHAN P BEAHM, INDIVIDUALLY, in the amount of $5118.36 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, WEINB & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434 -7955 FAX: 412- 338 -7130 WWR## 30145597 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 Discover More Card Account number ending in 7078 Open Date: Mar 24, 2013- Close Date: Apr 23, 2013 Cardmember Since 2010 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $5,002.04 New Balance $5,1 18.36 Payments and Credits — $0.00 Minimum Payment Due * $998.00 Purchases + $0.00 Payment Due Date May 18, 2013 Balance Transfers + $0.00 ' Includes past due amount of: $861.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $81.32 date listed above, you may have to pay a late fee of up to $35.00 and your New Balance $5,118.36 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99% variable. See Interest Charge Calculation section following the Minimum Payment Warning: If you make only the minimum payment each Transactions section for detailed APR information period, you will pay more in interest and it will take you longer to pay off your Credit Line $4,800 balance. For example: Credit Line Available $0 lf you make noaddithondtcharges You will payofFthe And youvtillendup using thts card and each month balanceshown�rt thcsang an estimated total_ Cash Advance Credit Line $1,200 yoli pay... stateme n gbout:< of r Cash Advance Credit Line Available $0 Only the minimum payment 17 years $12,141 You may be able to avoid interest on Purchases. If you would like information about credit counseling services, call 1-800-347-1121. See reverse for details. REWARDS Contact Us Discover.com Anniversary Month 1 -800- 347 -2683 Cashbdt:k Sonus® December _j Opening Balance $ 0.00 Please make check payable to Discover. You are overlimit. New Cashback Bonus This Period + $ 0.00 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period — $ 0.00 overlimit amount of $318.36. Cas hback Bonus Balance To learn more, log in at Discover.com Make Check payable to Discover. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. i ;Payment Coupon Pay Online Pay by P�t Account number ending in 7078 Please �a not fold; clip or staple Discover.com ©1 800- 347.2683 Minimum Payment Due $998.00 1'111 hIlllil it Bill it lllii�illl��ll��l�lllllll 'I�I�'I��III New Balance $5,118.36 Payment Due Date May 18, 2013 NATHAN P BEAHM 19 ANNETTE DR Amount enclosed Is ENOLA PA 17025 -1802 PO BOX 71084 CHARLOTTE NC 28272 -1084 30145697d Internet payments must be received by SPM ET to be credited as of the same day. I'll'�'llll� l llllll'lll "111111'I�'��'I� I� ' II'� Address, e-mail or telephone changed? Note changes on reverse side. EXHIBIT 000001986451021655478051183600162500099800 NATHAN P BEAHM Account number ending in 7078 Open Date: Mar 24 2013 - Close Date: Apr 23, 2013 Page 2 of 4 Important Information You must ensure that sufficient funds are available in your bank account, and See your Cardmember Agreement. Your Cardmember Agreement all transactions must comply with U.S. low. contains oil the terms of your Account. Lost or stolen cards. Report immediately! Call 1- 800 - 347 -2683. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed What To Do If You Think You Find A Mistake On Your Statement dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar If you think there is an error on your statement, write to us at: Discover, PO amount" payment is not enough to cover the Minimum Payment Due as listed Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 on your monthly billing statement, your scheduled payment for that month days after the error appeared on your statement. You may call us, but if you will be increased to cover the Minimum Payment Due. If the scheduled do we are not required to investigate any potential errors, and you may have payment is greater than the Minimum Payment Due, any excess will be to pay the amount in question. The Billing Rights Notice further explains your applied in accordance with your Cordmember Agreement. If your scheduled rights. Please see your Card member Agreement or visit payment is greater than the New Balance on your billing statement, that https : / /discover.com /billingrights for a copy of this notice. 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 Payments. You may pay all or part of your Account balance at anytime. billing statement based on credits or payments after the Close Date. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only, your ppayment and the bottom portion of this statement If you enroll by phone in our automatic payment service, please fill -in the in the envelope provided. Uo not send cash. If you pay by check, you following blanks below and retain the authorization for your records. 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 Amount: 0 Full Pay 0 Min Pay Min Pay+ $ or to process he payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the Other Amount$ Bank Routing #: check. When we use information from your check to make an electronic fund Bank Account # 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. Monthly on the [I Payment Due Date 11 Close Date The processing of your payment may be delayed if you send cash, Day of month (insert date) 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. Credit Reporting. We may report information about your Account to credit Payments received in proper form at our processing facility by 5PM local time bureaus. Late payments, missed payments, or other defaults on your Account on any day will be credited to your Account as of that day. Payments received may be reflected in your credit report. We normally report the status and at our processing facility after 5PM local time will be credited to your Account payment history of your Account to credit reporting agencies each month. If as of the next day. If you have misplaced your envelope, send your payment you believe that our report is inaccurate or incomplete, please write us at the to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. days for delivery. If your payment is returned unpaid, we reserve the right to Please include your name, address, home telephone number and Account resubmit it as an electronic debit. Payments made online or by phone will be number. credited as of the day of receipt if made by 5 PM Eastern time. Paying Interest. Your due date is at least 25 Boys after the close of each You can pay your monthly Minimum Payment Due, or a greater amount that billing period (at least 23 days for billing periods that begin in February). We does not exceed your current Account balance, over the telephone or you can will not charge you any interest on Purchases if you pay your entire balance setup automatic payments through a customer service representative by by the due date each month. We will begin charging interest on Cash calling 1- 800 - 347 -2683. Automatic payments for the billing period shown Advances and Balance Transfers as of the later of the Transaction Date or the on your statement will be deducted on the Payment Due Date shown on that first day of the billing period in which the transaction posted to your Account. statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15" day of the month) How We Calculate Interest Charges. We Use the Daily Balance Method that occurs before your Payment Due Date or Close Date. If your scheduled (including current transactions) to calculate the Balance Subject to Interest payment date falls on a weekend or bank holiday, your payment will be Rate. For more information, please call us at 1- 800 - 347 -2683. 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 Balance Subject to Interest Rate. Your statement shows a Balance Subject your bank account information. You will be asked to provide the last four (4) to Interest Rate. It shows this for each transaction category. The Balance digits of the social security number of the primary borrower. By providing Subject to Interest Rate is the average of the daily balances during the billing those numbers as your electronic signature, you will be agreeing to this period. 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 Credit Balances. If your Account has a credit balance, the amount is shown authorize us to initiate debit or credit entries to your bank account, as on the front of your billing statement. A credit balance is money that is owed applicable, to correct an error in the processing of such payment. You can to you. You may make charges against this amount if your Account is open. cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by mail at We will send you a refund of any remaining balance of $1.00 or more after Discover, PO Box 30421, Salt Lake City, UT 84130 -0421; however, we must 6 months, or as otherwise required by applicable law, or upon request made receive notice at least three business days in advance of the scheduled to the address in the Contact Us section on page 3 of your billing statement. payment. If your payments may vary in amount we will tell you on each Discover may monitor and /or record telephone calls between you and monthly billing statement when your payment will be made and how much it Discover representatives for quality assurance purposes. will be. The Discover@ card is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email 38i To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISCOVER Discover More Card Account number ending in 7078 Open Date: Mar 24, 2013 - Close Date: Apr 23, 2013 Page 3 of 4 CONTACT US 0 Web ® Mobile © Phone ® Inquiry 0 Mail Payments Access your � Manage your 1- 800 - DISCOVER Discover Discover account securely account anytime, (1- 800 - 347 -2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1- 800 - 347 -7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60197 -6103 Transactions Trans. Date Post Date Fees Apr 18 Apr 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 81.32 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 81.32 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 $ 140.00 TOTAL INTEREST CHARGED IN 2013 $ 306.83 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 18.99% V $5,041.27 $81.32 Cash Advances 23.99% V $0.00 $0.00 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www .discover.com /interesicharges 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION NATHAN P BEAHM Account number ending in -7078 Open Date: Mar 24 2013 - Close Date: Apr 23 2013 Page 4 of 4 30145597 VERIFICATION (3e1Lk , f_ rr% GIB - Aoo ploori,11 Sow (Rl�c r (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 Services. Date J uL`� 111 , 1 201 - Q (Signature) DB Servicing Corporation servicing affiliate For Discover Bank PO Box 3025 New Albany, OH 43054 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy cn car.' Richard W Stewart �= Solicitor OFFICE O TK SKRIF:= r • Discover Bank vs. Case Number Nathan P Beahm 2013-4508 SHERIFF'S RETURN OF SERVICE 08/06/2013 08:43 PM- Deputy Jeff Kolodzi, being duly sworn according to law, served the requested Complaint& Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Nathan P Beahm at 19 Annette Drive, East Pennsboro, Enola, PA 17025. JE O DZI, DEPUTY SHERIFF COST: $44.95 SO ANSWERS, August 07, 2013 RONNNY r R ANDERSON, SHERIFF (c)CnuntySuite Sheriff,Teleosoft,Inc. F4L,ED-OFFIC- 40F THE PROTHONOTARY 2013 AUG 30 AM I.1: I I CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff V. DOCKET NO. 13-4508 NATHAN P. BEAHM Defendant ANSWER TO COMPLAINT ON THIS d\ I day of (A& A_ , 2013 come the Defendant, Nathan P. Beahm, by and through his attorneys, Lawrence V. Young, Esquire and CGA Law, P.C., and files the within Answer to Complaint averring that: 1. Admitted. 2. Denied as stated. The defendant has never received any notification from DB Servicing Corporation and has absolutely no knowledge as to whether DB Servicing Corporation is or is not an affiliate, independent agent, subcontractor or has any other relationship with Discover Bank,the named Plaintiff. 3. The answer to Paragraph 2 is incorporated by reference. 4. The identity of the Defendant is admitted. (0074030911) 5. Denied as stated. The averment of Paragraph 5 suggests that there was a written application and that there exists some written agreement between the parties. If so, the applicable rules of civil procedure require that a copy of the writing which forms the contract between the parties be attached to the Complaint. None is attached. To the extent that the Complaint seeks to recover not just a principal amount, but various fees, interest, late charges, etc., a copy of the written contract between the parties is required. 6. By reasons given in Paragraph 5 above, the averments of Paragraph 6 is denied as pled. It is unclear what the "new balance" consists of, or whether these charges are consistent with the agreement made by the Plaintiff and Discover, but which is allegedly being administered by a third party, DB Servicing Corporation. 7. While the Defendant has missed a monthly payment, the ability to accelerate and demand the entire balance would, by its very nature, be an element of the contract between the parties, which has not been attached. If the contract is alleged to be verbal, however, then the terms of that verbal contract should be averred as well. 8. The averments in all of the preceding paragraphs are incorporated by reference. For the reasons stated above, the averments of Paragraph 8 are denied as stated. {00740309/1} 2 WHEREFORE, it is requested that judgment not be entered as requested. Respectfully submitted, CGA LAW FIRM, P.C. By: —��CGI.IPi�� Lawrence V. Young, Esq 'r Counsel for Defendant,Nathan P. Beahm CGA Professional Center 135 N. George Street York, Pennsylvania 17401 (717) 848-4900 (717) 843-9039 E-mail: lyoung@cgalaw.com Supreme Court I.D. No.: 21009 {00740309/1) 3 VERIFICATION NATHAN P. BEAHM, hereby verifies that the statements made in the foregoing Answer are true and correct to the best of his knowledge, information and belief. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities. Nathan P. Beahm (00165148/1) ( IN THE COURT OF COMMON PLEAS OF°CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff i v. DOCKET NO. 13-4508 NATHAN P. BEAHM Defendant CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of the Answer on the following parties via United States First Class Mail, Postage'Pre-paid: William T. Molczan Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Date: By. Lawrence V. Young, Esquir Counsel for Defendant,Nathan B. Beahm CGA Professional Center 135 N. George Street York, Pennsylvania 17401 (717) 848-4900 (717) 843-9039 E-mail::lyoung ?a cgalaw.com Supreme Court I.D. No.: 21009 I (0074030971) - - 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 13-4508-CIVIL vs. MOTION FOR SUMMARY JUDGMENT NATHAN P BEAHM, 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 c -1 _0 �� Z X11 f/7t- 1 -G to C7 ZO pf N WWR#30145597 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 13-4508-CIVIL vs. NATHAN P BEAHM, 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 $5,118.36 with interest at the interest rate of 6.00% per annum from 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 November 04, 2013, 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# 30145597 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 September 18, 2012; and that $5,118.36 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 $5,118.36 with interest at the legal interest rate of 6.00% per annum from date of judgment, and costs. Respectfully Submitted: B Will aI'm T. Molczn, q uire PA ID#47437 Weltman,Weinberg& Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30145597 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs. COMPLAINT IN CIVIL ACTION NATHAN P BEAHM 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 30145597 C A Pit SJS `" • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No NATHAN P BEAHM 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 19 ANNETTE DR ENOLA, PA 17025 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX7078 . 6. Defendant made use of said credit card and has a current balance due of $5118 . 36. 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, NATHAN P BEAHM, INDIVIDUALLY, in the amount of $5118.36 with interest at the statutory rate of 6. 00 °s per annum from date of judgment and costs. . - William T. Molc. n,47437 WELTMAN, WEINBre & REIS CO. , L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 WWR# 30145597 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` • Discover More Card Account number ending in 7078 Open Date:Mar 24,2013-Close Date:Apr 23,2013 Card member Since 2010 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $5,002.04 \ / New Balance $5,118.36 Payments and Credits — $0.00 Minimum Payment Due" $998.00 Purchases + $0.00 Payment Due Date May 18,2013 + Balance Transfers $0.00 •Includes past due amount of: $861.00 + Cash Advances $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $81.32 date listed above,you may have to pay a late fee of up to$35.00 and your New Balance $5,118.36 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99%variable. See Interest Charge Calculation section following the Minimum Payment Warning:If you make only the minimum payment each Transactions section for detailed APR information period,you will pay more in interest and it will take you longer to pay off your Credit Line $4,800 balance.For example: Credit Line Available $0 yow tirtctke'noaddtTt`oaa!diarges- YOu pgoff.the<:.:,Mtiyouylk ':. ' ',." Cash Advance Credit Line $1,200 u i.thiscardandioch.na0 t ' . WakB 9ivricnt this,-,0 payegon,, - *co pay,::. . . - ;etatemeni,in aboutb: ., - Cash Advance Credit Line Available $0 Only the minimum payment 17 years $12,141 You may be able to avoid interest on Purchases. If you would like information about credit counseling services,call 1-800-347-1121. See reverse for details. \ J REWARDS Contact Us Discover.com Cashback BonusO Anniversary Month 1-800-347-2683 December J Opening Balance $ 0.00 Please make check payable to Discover. You are overlimit. New Cashback Bonus This Period +$ 0.00 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period —$ 0.00 overlimit amount of$318.36. Cashback Bonus Balance $ 0.00 To learn more,log in at Discover.com Make Check payable to Discover. Please fold on the perforation below,detach and return with your payment. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Rtiyrnerit rOUPOa; " ':' : :'-ill ACy OiIilje Pcisj by Phone Account number ending in 7078 Please'do:no..fold,clip or staple:- .DiscoVer.com,' :� 1.. 00347.2683 '" Minimum Payment Due $998.00 I'IIII'II IIIIIIIiIiiiill111111i1 'IliIIliHH1!1111111'III14lll New Balance $5,118.36 Payment Due Date May 18,2013 NATHAN P BEAHM % "' 19 ANNETTE DR 4.=:-,7'6.-' Amount enclosed $ ENOLA PA 17025-1802 • PO BOX 71084 CHARLOTTE NC 28272-1084 301451597d Internet Iuh'll1 llll�'l'IIIIIII'111"1111111 hI'iI'llimill"'I1"'ll'I payments must be received by 5PM ET to be credited as of the same day. Address,e-mail or telephone changed?Note changes on reverse side. EXHIBIT 00000198645 1021655478051183600162500099800 NATHAN P BEAHM Account number ending in 7078 Open Date:Mar 24,2013-Close Date:Apr 23,2013 Page 2 of 4 Important Information You must ensure that sufficient funds are ovoilable in your bank account,and See your Cardmember Agreement.Your Cardmember Agreement all transactions must comply with U.S.law contains al the terms of your Account. Lost or stolen cards.Report immediately!Call,h-800-347-2683. You can set automatic payments for:(I)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus o fixed What Tq Do If You Think You Find A Mistake On Your Statement dollar amount,or(iv)Other dollar amount. If your scheduled"Other dollar If you think there is an error on your statement,write to us at: Discover,PO amount'payment is not enough to cover the Minimum Payment Due as listed Box 30421,Salt Lake City,UT 84130-0421.You must write to us within 60 on your monthly billing statement,your scheduled payment for that month days after the error appeared on your statement. You may call us,but if you will be increased to cover the Minimum Payment Due. If the scheduled do we are not required to investigate any potential errors,and you may have payment is greater than the Minimum Payment Due,any excess will be to pay the amount in question. The Billing Rights Notice further explains your applied in accordance with your Cardmember Agreement.If your scheduled rights. Please see your Cardmember Agreement or visit payment is greater than the New Balance on your billing statement,that h$tps://discover.com/billingrights for a copy of this notice. payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the Payments.You may pay all or part of your Account balance at any time. billing statement based on credits or payments after the Close Date. However,you must pay at least the Minimum Payment Due by the Payment Due Date.Send only/our_payment and the bottom portion of this statement If you enroll by phone in our automatic payment service,please fill-in the in the envelope proyied.Do not send cash. If you pay by check,you following blanks below and retain the authorization for your records. authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check Amount: E Full Pay OMin Pay 0Min Pay+$ or to process the payment as a check transaction.If a payment is processed as an eledronic fund transfer,the transfer will be for the amount of the 0 Other Amount$ ; Bank Routing#: ; check.When we use information from your check to make an electronic fund Bank Account# t • ransfer,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. Monthly on the 0 Payment Due Date 0 Close Date The processing of your payment may be delayed if you send cash, 0 Day of month(insert date) 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. Credit Reporting.We may report information about your Account to credit Payments received in proper form at our processing facility by 5PM local time bureaus.Late payments,missed payments,or other defaults on your Account on any day will be credited to your Account as of that day.Payments received may be reflected in your credit report.We normally report the status and at our processing facility after 5PM local time will be credited to your Account Payment history of your Account to credit reporting agencies each month.If os of the next day.If you have misplaced your envelope,send your payment you believe that our report is inaccurate or incomplete,please write us at the to Discover,PO Box 6103,Carol Stream,IL 60197.6103.Please allow 7.10 following address:Discover,PO Box 15316,Wilmington,DE 19850-5316. days for delivery.If your payment is returned unpaid,we reserve the right to Please include your name,address,home telephone number and Account resubmit it as on eledronic debit.Payments made online or by phone will be number. credited as of the day of receipt if made by 5 PM Eastern time. Paying Interest.Your due date is at least 25 days after the close of each You can pay your monthly Minimum Payment Due,or a greater amount that billing period (at least 23 days for billing periods that begin in February).We does not exceed your current Account balance,over the telephone or you can will not charge you any interest on Purchases if you pay your entire balance setup automatic payments through a customer service representative by by the due date each month.We will begin charging interest on Cash calling 1-800-347-2683.Automatic payments for the billing period shown Advances and Balance Transfers as of the later of the Transaction Date or the on your statement will be deducted on the Payment Due Date shown on that first day of the billing period in which the transaction posted to your Account. statement,or the next automatic payment date referred to on your statement, unless you request a recurring payment date(e.g.,the 151'day of the month) How We Calculate Interest Charges.We Use the Daily Balance Method that occurs before your Payment Due Dote or Close Date.If your scheduled (including current transactions)to calculate the Balance Subject io Interest payment date falls on a weekend or bank holiday,your payment will be Rate. For more information,please call us at 1-800-347-2683. 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 Balance Subject to Interest Rate. Your statement shows a Balance Subject your bank account information.You will be asked to provide the lost four(4) to Interest Rate. It shows this for each transaction category. The Balance digits of the social security number of the primary borrower.By providing Subject to Interest Rate is the overage of the daily balances during the billing those numbers as your electronic signature,you will be agreeing to this period. 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 Credit Balances. If your Account has a credit balance,the amount is shown authorize us to initiate debit or credit entries to your bank account,as on the front of your billing statement. A credit balance is money that is owed applicable,to correct an error in the processing of such payment.You can to you. You may make charges against this amount if your Account is open. cancel a scheduled payment by phone at 1-800-347-2683 or by mail at We will send you a refund of any remaining balance of$1.00 or more after Discover,PO Box 30421,Salt Lake City,UT 84130-0421;however,we must 6 months,or as otherwise required by applicable law,or upon request made receive notice at least three business days in advance of the scheduled to the address in the Contact Us section on page 3 of your billing statement. payment.If your payments may vary in amount,we will tell you on each Discover may monitor and/or record telephone calls between you and monthly billing statement when your payment will be made and how much it Discover representatives for quality assurance purposes. will be. The Discover®card is issued by Discover Bank,Member FDIC. TL23N CHANGE OF ADDRESS If correct on front,do not use.Please print clearly in blue or black ink,in the space provided. Street Address Home Phone Work Phone City Email 38illig97 To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISCOVER* _ _ _ Discover More Card Account number ending in 7078 Open Date:Mar 24,2013-Close Date:Apr 23,2013 Page 3 of 4 CONTACT US CoWeb Mobile Phone Inquiry Mail Payments Access your Manage your O 1-800-DISCOVER ® Discover 0 Discover account securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere ai TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60197-6103 Transactions Trans.Date Post Date Fees Apr 18 Apr 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 81.32 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 81.32 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 140.00 TOTAL INTEREST CHARGED IN 2013 $ 306.83 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 18.99% V $5,041.27 $81.32 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestchorges 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION NATHAN P BEAHM Account number ending in 7078 Open Date:Mar 24,2013-Close Dote:Apr 23,2013 Page 4 of 4 1 30145597 VERIFICATION STEPHEN A (361—k— , i L.1Ti G-R"TSOt.I CA. P,pc�2T nG r- pj Rl.c�S (Name) (Title) 99 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 Services. Date J uL`? 11{ 2013 (Signature) DB Servicing Corporation servicing affiliate For Discover Bank PO Box 3025 New Albany, OH 43054 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA DISCOVER BANK Plaintiff v. DOCKET NO. 13-4508 NATHAN P. BEAHM Defendant ANSWER TO COMPLAINT ON THIS 7 day of 4tnjLk3* , 2013 come the Defendant, Nathan P. Beahm, by and through his attorneys, Lawrence V. Young, Esquire and CGA Law, P.C., and files the within Answer to Complaint averring that: 1. Admitted. 2. Denied as stated. The defendant has never received any notification from DB Servicing Corporation and has absolutely no knowledge as to whether DB Servicing Corporation is or is not an affiliate, independent agent, subcontractor or has any other relationship with Discover Bank,the named Plaintiff. 3. The answer to Paragraph 2 is incorporated by reference. 4. The identity of the Defendant is admitted. (0074030911) 5. Denied as stated. The averment of Paragraph 5 suggests that there was a written application and that there exists some written agreement between the parties. If so,the applicable rules of civil procedure require that a copy of the writing which forms the contract between the parties be attached to the Complaint. None is attached. To the extent that the Complaint seeks to recover not just a principal amount, but various fees, interest, late charges, etc., a copy of the written contract between the parties is required. 6. By reasons given in Paragraph 5 above,the averments of Paragraph 6 is denied as pled. It is unclear what the "new balance" consists of, or whether these charges are consistent with the agreement made by the Plaintiff and Discover, but which is allegedly being administered by a third party, DB Servicing Corporation. 7. While the Defendant has missed a monthly payment,the ability to accelerate and demand the entire balance would, by its very nature, be an element of the contract between the parties, which has not been attached. If the contract is alleged to be verbal, however, then the terms of that verbal contract should be averred as well. 8. The averments in all of the preceding paragraphs are incorporated by reference. For the reasons stated above,the averments of Paragraph 8 are denied as stated. {00740309/1) 2 • WHEREFORE, it is requested that judgment not be entered as requested. Respectfully submitted, CGA LAW FIRM,P.C. By: i iLae V- Lawrence V. Young,Esq Counsel for Defendant,Nathan P. Beahm CGA Professional Center 135 N. George Street York,Pennsylvania 17401 (717) 848-4900 (717) 843-9039 E-mail: lyoung@cgalaw.com Supreme Court I.D.No.: 21009 (00740309/1) 3 VERIFICATION NATHAN P. BEAHM, hereby verifies that the statements made in the foregoing Answer are true and correct to the best of his knowledge, information and belief. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to unworn falsification to authorities. Nathan P. Beahm (00165148/1) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff v. DOCKET NO. 13-4508 NATHAN P. BEAHM Defendant CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of the Answer on the following parties via United States First Class Mail, Postage Pre-paid: William T. Molczan Weltman, Weinberg&Reis Co., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 Cr Date:/44,94-t- 0),_q 02,08 By: _eye- V Lawrence V. Young, Esquire�� Counsel for Defendant, Nathan B. Beahm CGA Professional Center 135 N. George Street York,Pennsylvania 17401 (717) 848-4900 (717) 843-9039 E-mail: lyoung @cgalaw.com Supreme Court I.D.No.• 21009 (00740309/1) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY,PENNSYLVANIA CIVIL ACTION DISCOVER BANK Plaintiff, v. NO.: 13-4508-CIVIL NATHAN P BEAHM, Defendant. 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. r r C 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 names) 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: 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 January 23,2011 through April 23,2013,attached hereto as Exhibit"1",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"1" 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 September 18,2012. 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"1"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: $5,118.36 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.Mocczan, quire Pa.I.D.#47437 Wellman,Weinberg&Reis Co.,L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh,PA 15219 (412)434-7955 WWR:30145597 DEFENDANT'S VERIFICATION I, ,(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 and correct copy of Plaintiff's First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the 4 day of T'1 0 V b cir , 2013,upon the following: Lawrence V. Young,Esquire CGA Law Firm 135 N. George Street York,PA 17401 By: /Are New Balance Minimum Payment Due Account Number ending in 7078 DISCOVER $4,742.40 $135.00 Enter Amount Enclosed Below PaymentDue Date $ February 18,2011 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. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478047424000000000013500 Opening Date: December 19,2010- Closing Date: January 23,2011 page 1 of 3 Discover More Card Account Summary Payment Information New Balance $4,742.40 Minimum Payment Due $135.00 Account number ending in 7078 Payment Due Date February 18,2011 Previous Balance $0.00 Late Payment Warning:If we do not receive your minimum Payments And Credits - 0.00 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 + 4,560.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 23.99%variable. Interest Charged + 0.00 Fees Charged + 182.40 New Balance $4,742.40 Manage Your Account Online of 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 $4,800.00 Make your money worth more sm—find easy ways to earn Credit Line Available $57.00 and redeem cash rewards Cash Advance Credit Line $1,200.00 NEWT Access your account securely through your Cash Advance Credit Line Available $57.00 mobile phone You may be able to avoid Interest Charges,see Additional 3 Easy Ways to Contact Us Important Information for details. 1. Access your account securely at www.Discover.com , 2. Call 1-800-DISCOVER(1.800.347-2683) Please have your Discover*card available. Cashback Bonus° Anniversary Month 3. Write to us at Discover,PO Box 30943, y Salt Lake City,UT 84130(Not a payment address) December For payments,please send to address on remittance or Opening Cashback Bonus Balance $ 0.00 Discover,PO Box 6103,Carol Stream,IL 60197.6103 New Cashback Bonus This Period + 0.00 For TDD(Telecommunications Device for the Deaf) Cashbook Bonus Balance $ 000 assistance,please call 1-800.347-7.449. To learn more,log in at www.Discover.com ui p Transactions EXHIBIT Trans. Post Date Balance Transfers Jan 3 Jan 3• CHASE CARD SERVIC************4358PE DE $ 4,560.00 APR 0.00%EXPIRES 02/2012 Fees Jan 3 Jan 3 BALTRANS FEE $ 182.40 TOTAL FEES FOR THIS PERIOD 182.40 Interest Charged, TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 182.40 TOTAL INTEREST CHARGED IN 2011 0.00 30145597 • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discovercom/paperless 02010 Discover Bank,Member FDIC PAPER 0310 30145597: Questions? Visit www.Discover.com or call 1-800-DISCOVER(1-800-347-2683). DISCOVER • DISCOVER tDISCOVER' NATHAN P BEAen Account number ending in 7078 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Baling Period:36 clays TYPE OF BALANCE ANNUAL BALANCE SUBJECT TO INTEREST CHARGE RATE AR INTEREST Purchases 0.00% $0 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $2,766.40 $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 1.800-347-2663. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84130-0421. In your letter,give us the following information: Account information:Your name and account number. Dollar amount:The dollar amount of the suspected error. Descri 'on of Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mists e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors' i i . 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 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 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 cash,correspondence or other items with your payment,if you end s the payment 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. • • • 30145597 • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • • • • • You can pay ur monthly Minimum Payment Due,or a greater amount that does-not exceed your current Account balance, _ over the telephone e 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 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 apOicable,to correct an 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 payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments For:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess w01 be applied in accordance with your Cardmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ; ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: 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 Merest 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 payyour 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 th ing statement. We call this e" race period. It is not less than 25 days. There is no grace period on balance a 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 on 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 biped. You will receive this refund even if you use your Card during that period. Flow We Cakufale bond Charges•Daly Balance Method(including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms(for example,standard purchases,standard cash advances and each purchase,balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the"daily balance"for each transaction category. To get the'daily balance"we take the beginning balance for each day,add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments(including those adjustments required in the section titled"Paying Interest"). In calculating the daily balance for the first day of the billing period,we consider the"previous day's daily balance"to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its dairy periodic rota,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges For each transaction category for each day during that billing period. When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs,in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. s. 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(Telecommunication;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 01TBK172 30145597 • • New Balance Minimum Payment Due Account Number ending in 7078 DISCOVER $4,602.40 $133.00 Enter Amount Enclosed Below Payment Due Date March 18,2011 Pay online at www.Discover.com or make check payable to Discover. Phone and internet payments must be mode by 5:00pm ET for same . day posting. NATHAN`P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478046024000000000013300 Opening Date: January 24,2011 - Closing Date: February 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,602.40 Minimum Payment Due $133.00 Account number ending in 7078 Payment Due Date March 18,2011 Previous Balance $4,742.40 Late Payment Warring:If we do not receive your minimum Payments And Credits • 140.00 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $4,602.40 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information Credit Line $4,800.00 cddihtsttwtft trg tlte#saldttJ uPPCY. Credit Line Available $197.00 m` 4 °f ng ltis coot ant# thiv atalomenl e4f Cash Advance Credit line $1,200.00 0.004 fn Cash Advance Credit Line Available $197.00 Only the minimum 13 years $8,504 You may be able to avoid Interest Charges,see Additional payment Important Information for details. $154 3 years $5,555 y (Savings=$2,949) Cashback Bonuse If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashbock Bonus Balance $ 0.00 , New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more,log in of www.Disoover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discover®card available. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Nat a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197.6103. NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance;please call 1-800.347-7449. • Transactions Trans. Post Date Date . Payments and Gedis Feb 18 Feb 18 INTERNET PAYMENT-THANK YOU $ -140.00 • Fees . • . TOTAL FEES FOR THIS PERIOD $ 0.00 • X57 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • Paperless statements mean less clutter, more convenience Eosily access up to 24 months of downloadoble,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/papedess 02010 Dixover Bank,Member FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 182.40 TOTAL INTEREST CHARGED IN 2011 0.00 30945597. Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). 1I • DISCOVER ',pays NATHAN P BEAHM • DISCOVER' Account number ending in 7078 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 BAIANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 0.00% $0 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $4,715.30 $0 V.Variable Rate Information For You Every Purchase Counts! Every time you use your Discover(R)card,you earn unlimited cash rewards automatically. Use your card for everyday purchases,monthly bill payments or for something special. Make your money worth more-today and every day! Need Cash? Whether it's for an unexpected bill or an emergency car repair,Discover(R)card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more. This month,the featured Cashbook Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashbook Bonus for a$25 Bed Bath&Beyond gift card. Additional Important In(annation 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. Descriptior,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 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 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 said 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 yo u are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope 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 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 bcal 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. 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • • You can pay ur monthly Minimum Payment Due,.or.a greater amount that does not exceed your current Account balance, -over the one-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 of the month)that occurs before your Payment Due Date. If your scheduled payment dafe 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 ban) account,as applicable,fo 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 a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enaigh to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will 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 after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: 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 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. flow to Avoid Paying Interest on Purchases("Grace Period") If you paid the NewBolance 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 Interest Charges-Daly Balance Method(Including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the 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 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!Merest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate, We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest 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 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 card is issued by Discover Bank,Member FDIC RZNFEOOt • 30145597 Questions? visit www.Discover.com or D'c��VE� call 1-800-DISCOVER 11-800-347-2683). i7 New Balance Minimum Payment Due Account Number ending in 7078 DISCOVER $4,452.40 $130.00 Enter Amount Enclosed Below Payment Due Dare April 18,2011 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. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 2 8272-1 084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478044524000000000013000 Opening Date: February 24,2011 - Closing Date: March 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,452.40 Minimum Payment Due $130.00 Account number ending in 7078 Payment Due Date April 18,2011 Previous Balance $4,602.40 Late Payment Warning:If we do not receive your minimum Payments And Credits - 150.00 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $4,452.40 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information I€Yov r+s+t gt�tC+ 4 0 A yot xvfll Credit Line $4,800.00 addfinotsal.� . ) egy�tuplsayuagter Credit Line Available $347.00 usir this carder esTttmatec€tatal�sf Cash Advance Credit Line $1,200.00 mohlft rtTtpU>• Cash Advance Credit Line Available $347.00 Only the minimum 13 years $8,318 payment You may be able to avoid Interest Charges,see Additional 15 $5,4 Important Information for details. $150 3 years (Savings 4$5,903) Cashback Bonus' If you would like information about credit counseling services, Anniversary Month call 1-800.347-1121. December Opening Cashback Bonus Balance $ 0.00 , New Cashbook Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To born more,leg in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.cem Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discovere card available. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn • For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1.800-347.7449. Transactions Trans. Post Date Date • Payments and Credits Mar 18 Mar 18 INTERNET PAYMENT•THANK YOU $ -150.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 1101 21v 7 _ TOTAL INTEREST FOR THIS PERIOD $ 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 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 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 182.40 TOTAL INTEREST CHARGED IN 2011 0.00 30145597 Questions? Visit www.Discover.com or r��"E� call 1-800-DISCOVER(1-800-347-2683). D'S 1► aYs 00 NPaYs NATHAN P BEAHM Account number ending in 7078 • page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:28 days . TYPE OF BALANCE R PERCENTAGE BALANCE C SSUB U ECf TO INTEREST CHARGE TE Purchases 0.00% $0 $0 Cask Advsiecss 23.99% V $0 $0 Balance Transfers 0.00% $4,570.25 $0 V •Variable Rate Information For You This month,the featured Cashbock Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashbock Bonus for a$25 Bed Bath&Beyond gift card. Your credit score has never been more important. Sign up for Credit ScoreTracker today and you'll receive: access to your Experian credit score and report and alerts that notify you of certain changes to your credit score. Enroll today at Discover.com/CreditScoreTrocker or call 1-866-708-0672. for only 32.99/month Wallet Protection helps notify card issuers&monitors your credit activity For 90 days if your wallet is lost or stolen. Visit Discover.com/walletprotection or call 1-877.623.8014 to learn more or enroll. 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 leiter,give us the following information: Account informo»ri. 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 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 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 made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope 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 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,II.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. 30145597 • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER • You can pay r 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 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, o correct an 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,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.llyour scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the Following blanks below and retain the authorization for your records. • Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ 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 roo.s 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 avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cosh Advances. bow to Avoid Paying Interest on Purchases("G a Period") It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Pe iod If you do not pay your New Balance in full each mon ,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Cakulats Interest Charges-Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance'for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the 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 ast 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 day 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. Flow We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. • Credit Balances. II 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 Deal)assistance,please cal 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 RZNFEOO1 • 30145597 • Questions? Visit www.Discover.com or DISCOVER' call 1-800-DISCOVER(1-800-347-2683). dIS S New Balance Minimum D Account Number ending in 7078 DISCOVER $4,347.40 $127.00 Enter Amount Enclosed Below • • Payment Due Bate t • May 18,2011 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. • NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in spoce above. 000001986451021655478043474000000000012700 i Opening Date: Mardi 24,2011 - Closing Date: April 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,347.40 Minimum Payment Due $127.00 Account number ending in 7078 Payment Due Date May 18,2011 Previous Balance $4,452.40 late Payment Warning.If we do not receive your minimum Payments And Credits - 130.00 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 Cosh Advances + 0.00 APR of 23.99%variable. Fees Charged + 25.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $4,347.40 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information lt i*::le Xa04 Cff ` uut TVVlJ( Credit Line $4,800 00 o difiamal olsn es viibalaaeeil so Wifray' ' Credit Line Available $452.00 VHang tlns a and ott is atn mettl ' `.04total of• 0404 4.0 nn Cosh Advance Credit Line $1,200.00 "' Cash Advance Credit Line Available $452.00 Only the minimum 13 years $8,261 payment You may be able to avoid Interest Charges,see Additional $5,321 Important Information for details. $148 3 years (Savings=$2,940) Cashback Bonus• If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more,log in otwww.Diseover.eom 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to I down your balance,securely access statements,pay Please have your Discover®card available. bilk online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth more sM—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197.6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800.347-7449. Transactions -- Trans. Post Date Date Payments and Credits Apr 19 Apr 19 INTERNET PAYMENT-THANK YOU $ -130.00 Fees - Apr 18 Apr 18 LATE FEE $ 25.00 30 x597 TOTAL FEES FOR THIS PERIOD 25.00 Merest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discover.com/paperless 02010 Discover Bonk,Member FDIC PAPER 0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 S 207.40 TOTAL INTEREST CHARGED IN 2011 0.00 30145597 Questions?Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). • NATHAN P BEAHM DISCOVER it 10 DISCOVER' Account number ending in 7078 page 2 of 2 Interest Charge Calculation' • Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Bilisg Perio&31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 0.00% $0 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $4,431.43 $0 V.Variable Rate Information For You 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. For only$3.99 a month Discover Wallet Protection helps notify card issuers&monitors your credit activity for 90 days if your wallet is lost or stolen. Visit Discover.com/Wallet or call 1-877-623-8014 to learn more or to enroll. Protect your purchases with a SquareTrade Care Plant Shop anywhere with your Discover Card and get your warranties through our preferred provider SquareTrade. Please visit www.discovercard.com/protection-solutions/warranty.html for details. Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do if You Think You Find A Mistake On Your Statement IF you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84130-0421. In your letter,give us the following information: Account information;Your name and account number. Dollar amount:The dollar amount of the suspected error. Description of Problem:IF you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in_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 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 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 urchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or port of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Duo 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 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. • 30145597 • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER • • • You can rmo� Minimum Payment Due - t -.. y monthly oym Due,or a greater amount that does not exceed your current Account balance, over the telephone or 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. the 15th of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank iroli ,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.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.lithe scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.lUyour scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ Bank Routing#: ;Bank Account 41: ;Frequency: Credit .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 u believe that our report is inaccurate or incomplete,please write us at the blowing 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 tine 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. ow to Avoid Paying Interest on Purchases("Grace Period" It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases,or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace P- rod If you do not pay your New Balance in full each mon ,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 Charges-Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance'for each Transaction Category. Transaction Categories include standard Purchases,standard Cosh 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 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 daffy balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges For each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees-to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front ofyourbilling 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 amore 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 and/or record telephone calls between you and Discover representatives for quality assurance purposes. - The Discovere card is issued by Discover Bank,Member FDIC RZNFEO01 30145597 • • Questions? visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7078 DISCOVER S4,220.40 S125.00 Enter Amount Enclosed Below Payment Due Date $ June 18,2011 Pay online at www.Discover.com or make check payable to Discover. Phone and interne payments must be made by 5:00pm ET for same day posting. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478042204000000000012500 Opening Date: April 24,2011- dosing Date: May 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,220.40 Minimum Payment Due $125.00 Account number ending in 7078 Payment Due Date June 18,2011 Previous Balance $4,347.40 Late Payment Warning:If we do not receive your minimum Payments And Credits - 127.00 payment by the date listed above,you may have to pay a kite 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $4,220.40 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information yov ntalFeFSO y p And r (f t Credit Line $4,800.00 a thvmal eiuuges fhebctfdnciseftixwx up fw r ru' Credit Line Available $579.00 vxtr+gtl+tk01*.4. *tht$*'k'emetit .e0:60,0dtotalpf Cash Advance Credit Line $1,200.00 each reaalialTt[ry'>rr}ats>�t?,; Cash Advance Credit Line Available $579.00 Only the minimum 13 years $8,134 payment You may be able to avoid Interest Charges,see Additional $5,204 Important Information for details. $145 3 years (Savings o$2,930) Cashbacic Bonuse If you would like information about credit counseling services, Anniversary Month call 1-800.347-1121. December Opening Cashback Bonus Balance $ 0.00 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800.347-2683) to pay down your balance,securely access statements,pay bl Please have your Discover®card avoiloe bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 8410(Not a payment address) Make your money worth moreSM—find easy ways to earn - For payments,please send to address on remittance or and redeem cash rewards- Discover,PO Box 6103,Carol.Stream,IL 60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347-7449. Transactions Trans. Post Date Dab Payments and Credits May 18 May 18 INTERNET PAYMENT-THANK YOU $ .127.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 F+ieoa r5 7 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER r Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble,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/papertess ®2010 Discover Bank,Member FDIC PAPER 0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 207.40 TOTAL INTEREST CHARGED IN 2011 0.00 • 30145597 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER 11-800-347-2683). DISCOVER it pays DISCOVER" NATHAN P BEAHM Account number ending in 7078 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Bing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE Purchases 0.00%(APR) $$25.00 RATE $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $4,297.00 $0 V=Variable Rate Information For You Every Purchase Counts) Every time you use your Discover(R)card,you earn unlimited cash rewards automatically. Use your card for everyday purchases,monthly bill payments or for something special. Make your money worth more-today and every day) Get your Experian(R)credit report and score plus alerts when your credit score changes. Enroll in Credit ScoreTracker today at Discover.com/CreditScoreTracker or call 1-866-708-0672. For only$3.99/month Wallet Protection helps notify card issuers&monitors your credit activity for 90 days if your wallet is lost or stolen. Visit Discover.com/wallet or call 1.877.623.8014 to learn more or enroll. Additional Important information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen curds. Report immediately) Call 1-800-347-2683. What To Do if You Think You Find A Mistake On Your Statement IF you think these 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 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 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 writing at: Discover,PO Box 30945,Solt Lake Ci yi ,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 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 baak 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,1160197-6103. Please allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the right to resubmit it as an electronic debit. • . 30145597 • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • • • You can pay r monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the tele orator 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 clay 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 apOicable,to correct 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 notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If-your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. IF you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ['Min Pay ❑ Min Pay+$ ❑Fixed Pay$ 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 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( ace 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. )jaw 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 hr$erest Charges•Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daly Balance for Each Transaction Category We start with the 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 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(Telecommunkations Device for the Deal assistance,please cal 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 RZNFEOOt • • 30145597 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Due Account Number ending in 7078 DISCOVER $4,085.40 $122.00 Enter Amount Enclosed Below Payment Due Dare $ July 18,2011 Pay online at www.Discover.com or make check payable to Discover. Phone and Internet payments must be made by 5:00pm ET for scene day posting. NATHAN P BEAHM . 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478040854000000000012200 Opening Date: May 24,2011 - Closing Date: June 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,085.40 Minimum Payment Due $122.00 Account number ending in 7078 Payment Due Date July 18,2011 Previous Balance $4,220.40 Late Payment Warning:If we do not receive your minimum Payments And Credits - 135.00 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $4,085.40 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information If,yatttn kesto Ypiy. p r [Md roi.vwt1l ett $4,800.00 azdlata fidios e f*iaact slm up rtl}Credit Line Credit Line Available $714.00 veer b1sca 3ond a01}ttsstateme T es#im lafal4 Cash Advance Credit Line $1,200.00 ear Cash Advance Credit Line Available $714.00 Only the minimum 12 years $7,976 You may be able to avoid Interest Charges,see Additional iJOYment Important Information for details. $141 3 ears $5,075 3 y ears a$2,901 ) Cashback Bonuse If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more,lob in of www.Diseover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discover®card available. bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth mares—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1.800.347-7449. Transactions • • Trans. Post Date Date • Payments and Credis Jun 18 Jun 18 INTERNET PAYMENT-THANK YOU $ -135.00 . Fees TOTAL FEES FOR THIS PERIOD $ 0.00 krloes)CJ1 r5 7 _ TOTAL INTEREST FORTH'S PERIOD $ 0.00 • 3U74� . NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperiess 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 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 D'tscovercom/papedess ®2010 Discover Bank,Member FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 207.40 TOTAL INTEREST CHARGED IN 2011 0.00 • 30145597 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). D' Y G DISCOVER it pays to NATHAN P BEAHM DISCOVER' Account number ending in 7078 page 2 of 2 Interest Charge Calculation - Your-Annual Percentage Rate(APR)is the annual interest rote on your account. Current Wing Period:31 clays TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 0.00% $25.00 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $4,169.27 $0 V=Variable Rate Information For You YOUR ACCOUNT IS PROTECTED. DON'T FORGET TO TAKE ADVANTAGE OF YOUR PAYMENT PROTECTION BENEFITS. Take the time you need to get back on your feet during the hard times in life. We are also here to help you celebrate special life events! Activation is quick and easy-simply call 1-877-883-1959. Identity Theft Protection provides daily 3-bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/itp or call 1-866-515-5302 to learn more or to enroll. For only$3.99 a month Discover(R)Wallet Protection helps notify card issuers&monitors your credit activity for 90 days if your wallet is lost or stolen. Visit Discover.com/Wallet or call 1-866-240-7937 to learn more or to enroll. Additional Important Intonation 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. Descriptio 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 inciting. 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 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 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 jn 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 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 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. 30145597 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 paymentsthrough 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 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 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 pa ent you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800347.2683 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 payment. IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments For:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,an excess will be applied in accordance with your Cardmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ; ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or other defapults 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 198505316. 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 avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. ow to AmOd Paying_Interest on Purchases("Qrsice 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. . A- •1111.,IIt. 11.1 11•0-..•I - I you•o not pay your New Ba once in �II sac mon ,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 Charges-Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daly Balance for Each Transaction Category We start with the 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 Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Role. 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 and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFEOOI 30145597 Questions? Visit www.Discover.com or DISCOVER' 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Duet Account Number ending in 7078 DISCOVER $3,963.40 $120.00 Enter Amount Enclosed Below • Payment Vue Date $ • August 18,2011 , . Pay online at www.Discover.com or make check payable to Discover. Phone and internist payments must be made by 5:00pm ET for same day posting. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478039634000000000012000 Opening Date: June 24,2011 - dosing Date: July 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $3,963.40 Minimum Payment Due $120.00 Account number ending in 7078 Payment Due Date August 18,2011 Previous Balance $4,085.40 late Payment Warning:If we do not receive your minimum Payments And Credits - 122.00 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $3,963.40 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information A+54pu tm(;ettp Yom,wtJ 010ff ittd y+st w+Ill end $4,800.00 addonal t the#artcs sc up payu at Credit line Credit Line Available $836.00 rj ng0ustm . ' m asllmafadSSatal�af Cash Advance Credit Line $1,200.00 `i� �>.i Cash Advance Credit Line Available $836.00 Only the minimum 12 years $7,854 payment You may be able to avoid Interest Charges,see Additional $4,960 Important Information For details. $138 3 years (Savings=$2,894) Cashback Bonus* If you would like information about credit counseling services, Anniversary Month call 1-800.347-1121. December Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To leorn more,log in er www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.cem Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discover®card available bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 841130(Not a payment address) Make your money worth moreSM—find easy ways to earn . For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deal) mobile phone assistance,please call 1-800-347-7449. • Transactions TDates Post • Payments and Credits Jul 18 Jul 18 INTERNET PAYMENT•THANK YOU $ -122.00 . Fees TOTAL FEES FOR THIS PERIOD $ 0.00 ittribrri7 TOTAL INTEREST FOR THIS PERIOD $ 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 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 Discovercam/paperless 02010 Discover Bank,Member FDIC PAPER 0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 207.40 TOTAL INTEREST CHARGED IN 2011 0.00 30145597 Questions?Visit vvww.Discover.com or call 1-800-DISCOVER(1-800-347-2683). DISCOVER Ir pays w DISCOVER DISCOVER NATHAN P BEAHM Account number ending in 7078 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current aaiirg Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 0.00% $25.00 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $4,036.00 $0 V=Variable Rate Information For You Save 5%instantly at your local Six Flogs or online at SixFlags.com when you use Discover! You'll save 5%instantly on Season Passes,admission tickets,The Flash Pass,VIP Tours,parking,food,merchandise and more. Go big at Six Flags this summer and save big with Discover! Identity Theft Protection provides daily 3-bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/itp or call 1-866-515-5302 to learn more or to enroll. For only$3.99 a month Discover(R)Wallet Protection helps notify card issuers&monitors your credit activity for 90 days if your wallet is lost or stolen. Visit Discover.com/Wallet or call 1.866.240.7937 to learn more or to enroll. 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 informsa:Your name and account number. Dollar amount,The dollar amount of the suspected error. Descriptio 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 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 fried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current moiling address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a cheek that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope 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 cheek 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 maybe 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 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. 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • • You can pay our monthFy Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the tole one or you can setup automatic paymentslhrough 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 prior to the weekend cc 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 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 net 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 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.IUyour scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ 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 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. ow to Avoid Paying.Interest on Purchases("Grace Period") It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases,or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that 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 C$w-ges-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 adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. R shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFEOO1 • 30145597 Questions? visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). • DISCOVER New Balance Minimum Payment D Account Number ending in 7078 $3,843•40 $117.00 I Enter Amount Enclosed Below • Payment Due Liar. I September 18,2011 • . . - 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. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478038434000000000011700 Opening Date: July 24,2011 - Closing Date: August 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $3,843.40 Minimum Payment Due $117.00 Account number ending in 7078 Payment Due Date September 18,2011 Previous Balance $3,963.40 Late Payment Warning:If we do not receive your minimum Payments And Credits • 120.00 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $3,843.40 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information ya n ki o X4ut i t.`: f et Credit Line $4,800.00 adr$tfionalex thaanasehot ui.+ yttcttl $1,200.00 t h Credit Line Available $956.00 u0.!.. h. a4 ;.atastment esale a of eah rad y u pay tcrbeu# Cash Advance Credit Line Cash Advance Credit Line Available $956.00 Only the minimum 12 years $7,732 PaYment You may be able to avoid Interest Charges,see Additional Important Information for details. $135 3 years $4,845 y (Savings=$2,887) Cashback Bonuse If you would like information about credit counseling services, Anniversary Month call 1.800.3474121. December Opening Cashback Bonus Balance $ 0.00 , New Cashback Bonus This Period + 0.00 Cashback Bonus balance $ 0.00 To born more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1.800 DISCOVER(1-800 347.2683) to pay down your balance,securely access statements,pay Please have your Discover®card available. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 841.30 Not a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,11 60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deal) mobile phone assistance,please call 1.800.347.7449.. Transactions . Trans. Post • . Date Date- Payments and Credits Aug 18 Aug 18 INTERNET PAYMENT•THANK YOU $ -120.00 - Fees' : TOTAL.FEES FOR THIS PERIOD . $ 0.00 . 1t7 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodoble,password protected statements. •See your statement as soon os 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 C2010 Discover Bank,Member.FDIC PAPER.03 I D 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 207.40 TOTAL INTEREST CHARGED IN 2011 0.00 • 30145597 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683 . DISCOVER DISC OVER NATHAN P BEAHM Account number ending in 7078 page 2 of 2 • Interest Charge Calculation • Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Bing Period:31 days TYPE OF BALANCE ANN AwPERCENTAGE BBALAN T CE RATE SUBJECT TO INTEREST CHARGE RATE Purchases 0.00% $25.00 $0 Casa,Advances 23.99% V $0 $0 Balance Transfers 0.00% $3,915.17 $0 V a Variable Rate Information For You UFE HAPPENS...Be prepared for the unexpected. Payment Protection lets you put your Discover payments on hold if you experience a qualifying life event such as: Involuntary Unemployment,Disability,Hospitalization,Birth of a Child,Moving& More. Enrollment is easy-Discover.com/paymentprotection or call 1-888-421-2766. For only$3.99 a month Discover(R)Wallet Protection helps notify card issuers&monitors your credit activity for 90 days if your wallet is lost or stolen. Visit Discover.com/Wallet or call 1-866.240.7937 to learn more or to enroll. This month,the featured Cashbock Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashback Bonus for a$25 Bed Bath&Beyond gift card. 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 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 most 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 a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question,you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit cord for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the some rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may 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 hind transfer,hinds maybe withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your Financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you send the payment to 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. 30145597. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER • • You can pay our monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the tete cone or you can setup automatic payments rough 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 l 5th da 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 authorize us to initiate debit or credit entries to your bank account,as apOicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1- 47-2683 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 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.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ['Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: 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 avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. flow to Avoid Paying Inrterest on Purchases("Grace Period") It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not im_pose 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 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 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 eriod. 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. Flow We Include Fees We odd 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 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 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 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)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 . RZNFE001 • 30145597, • • Questions? visit www.Discover.com or ��SC�VER call 1-800-DISCOVER(1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 7078 $3,718.40 $115.00 Enter Amount Enclosed Below Payment Due Date October 18,2011 Pay online at www.Discover.com or make check payable to Discover. Phone and intermit payments must be made by 5:00pm ET for same • • day posting. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025.1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,email or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478037184000000000011500 Opening Date: August 24,2011- dosing Date: September 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $3,718.40 in 7078 Minimum Payment Due $115.00 Account number ending Payment Due Date October 18,2011 Previous Balance $3,843.40 fats Payment Warning:If we do not receive your minimum Payments And Credits - 125.00 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 Penally Cash Advances + 0.00 APR of 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Waning:If you make only the minimum New Balance $3,718.40 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information tfyattttokact�c+ Ybn w r f vi•Jff ems! Credit Line $4,800.00 acldiftc+rtal iar0 i' Credit Line Available $1,081.00 using tlsie aartL ai:s4 'crn tf s*temei '.ssst3rnalocl total of Cash Advance Credit Line $1,200.00 0044, ifryau rid " Cash Advance Credit Line Available $1,081.00 Only the minimum 12 years $7,589 PaYment You may be able to avoid Interest Charges,see Additional Important Information for years details. $131 3 (Savings rs$2$2,867) Cashback Bonus° If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more,log In atwww.Diisaover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.cem Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discover®card available bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 8410(Not a payment address) Make your money worth more —find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 601974103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deaf) _ mobile phone assistance,please call 1.800.347-7449. Transactions Trans. Post Date Date Payments and Crodits Sep 13 Sep 13 INTERNET PAYMENT•THANK YOU $ -125.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 hMaasi St r847 TOTAL INTEREST FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discovercom/papedess 02010 Dieeover Bank,Member FDIC PAPER 0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 207.40 TOTAL INTEREST CHARGED IN 2011 0.00 30145597 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER it pays u NATHAN P BEAHM DISCOVER DISCOVER' Account number ending in 7078 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Bring Period::31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE Purchases 0.00% $25.00 T RATE $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $3,774.04 $0 V=Variable Rate Information For You Build extra Cashback Bonus by using your Discover(R)Card to pay your monthly household bills like cable,cell phone,and insurance. It's easy to set up,just contact your provider. You'll earn rewards with every bill) Need Cash? Whether it's for an unexpected bill or an emergency car repair,Discover(R)card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more. Identity Theft Protection provides daily 3-bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/itp or call 1-866-515-5302 to learn more or to enroll. Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800447-2683. What To Do If You Think You Find A Mistake On Your Statement IF you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84130.0421. In your letter,give us the following information: Account information-Your name and account number. Dollar amount•,The dollar amount of the suspected error. Description of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors sir 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 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 Wish 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 moiling address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake Cify,UT 84130-0945 While we investigate,the some rules apply to the disputed amount as discussed above. After we finish our investigation,we will tall 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 tram your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the right to resubmit it as an electronic debit. • 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • • You con pay r._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 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 of 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 con set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment Is not 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.lithe 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 ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ • Bank Routing#: ;Bank Account#: ;Frequency: Credit Rvar'lirng.We may report information about your Account to credit bureaus. Late payments,missed payments,or other defults 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 t(Se 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. How We Cakulate Interest Charges•Daly Balance Method(iincluding 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 day of the billing period is your balance on the last day of your previous billing period. We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other 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 biting - 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 remainingbalance 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 and/or record telephone calls between you and Discover representatives for quality assurance purposes. . The Discover®card is issued by Discover Bank,Member FDIC RZNFEOO1 30145597 • Questions? Visit www.Discover.com or call 1-800-DISCOVER(1-800-347-2683). DISCOVER • New Balance Minimum Payment Due Account Number ending in 7078 DISCOVER $3,603.40 $113.00 Enter Amount Enclosed Below Payment Due Date November 18,2011 Pay online at www.Discover.com or make check payable to Discover. Phone and interest payments must be made by 5:00pm ET For same day posting. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478036034000000000011300 Opening Date: September 24,2011 - Closing Date: October 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $3,603.40 Minimum Payment Due $113.00 Account number ending in 7078 Payment Due Date November 18,2011 Previous Balance $3,718.40 tats Payment Warning:If we do not receive your minimum Payments And Credits - 115.00 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $3,603.40 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR in formation I you listto . ''Yx 1?e * - d rplft i Credit Line $4,800.00 $dill offal charxgea ttse 1 saint aho*rt .up 04 46. Credit Line Available $1,196.00 uslr*tlrta cold and err 11xrsCemaatl estlrttat4t�atq4r IgglAcolyymiiiig Cash Advance Credit Una $1,200.00 t t Cash Advance Credit Line Available $1,196.00 Only the minimum 12 years $7,472 payment You may be able to avoid Interest Charges,see Additional $4,609 Important Information for details. $128 3 years (Savings=$2,863) Cashback Bonus° If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashback Bonus Balance $ 0.00 New Cashbook Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To loom more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have you Discover®card available. - bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, Salt lake City,UT 84130(Not a payment address). Make your money worth moresm—end easy ways to earn • For payments,please send to address on remittance or and redeem cash rewards • Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347-7449. • Transactions , Trans. Post Date Date • . Payments and Credits Oct 18 Od 18 INTERNET PAYMENT-THANK YOU . $ -115.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Mewsf S irtj7 - TOTAL INTEREST FOR THIS PERIOD $ 0.00 - • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today of Discover.com/paperless C2010 Discover Bonk,Member FDIC PAPER 0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 207.40 TOTAL INTEREST CHARGED IN 2011 0.00 30145597 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). r NATHAN P BEAHM DISCOVER DISCOVER Account number ending in 7078 • 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 ANN APERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE � � RATE Purchases 0.00% $25.00 SO Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $3,670.40 $0 Y.Variable Rate Information For You Build extra Cashback Bonus by using your Discover(R)Card to pay your monthly household bills like cable,cell phone,and insurance. It's easy to set up,just contact your provider. You'll earn rewards with every ball UFE HAPPENS...Be prepared for the unexpected. Payment Protection lets you put your Discover payments on hold if you experience a qualifying life event such as: Involuntary Unemployment,Disability,Hospitalization,Birth of a Child,Moving& More. Enrollment is easy-Discover.com/paymentprotection or call 1-888-421-2766. Identity Theft Protection provides daily 3-bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/itp or call 1.866.515-5302 to learn more or to enroll. Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84130-0421. In your letter,give us the following information: ,Account information:Your name and account number. Dollar amount;The dollar amount of the suspected error. Description of Problem;If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in 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. Wht1e 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 ore responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these ore necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit cord for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope 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,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 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. 30145597: • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER • You can pay r monthly Minimum Payment Due;or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic paymentsihrough 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 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 monthIy 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,fo correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-860.347-2683 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 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 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 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 Pays Bank Routing#: ;Bank Account#: ;Frequency: Credit Reporting.We may report information about your Account to credit bureaus. Late payments,missed payments,or other ds uFa Its 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 ya.i 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 tire 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. dew to Avid Paying_Interest on Purchases("Grace Period") It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. yyow We Apply Payments May 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 Cakulate Interest Charges-Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the 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 adjustments(including those adjustments required in the"Paying Interest"section). Flew We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate, We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rote, we divide the APR that applies to the Transaction Category by 365. We add up all the 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 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 doily balances during the billing period. _ . Credit Balances. Ifyour 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 low. For TDD(Telecommunications Device for the Deaf)assistance,please cal 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. RZNFEOOt • 30145597 • Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). New Balance Minimum Payment D Account Number ending in 7078 DISCOVER $4,204.91 $125.00 Enter Amount Enclosed Below i Payment uue Date $ December 18,2011 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. NATHAN P BEAHM • 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478042049100000000012500 Opening Date: October 24,2011 - Closing Date: November 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,204.91 Minimum Payment Due $125.00 Account number ending in 7078 Payment Due Date December 18,2011 Previous Balance $3,603.40 Late Payment Warning:If we do not receive your minimum Payments And Credits - 113.00 payment by the date listed above,you may have to pay a late Purchases + 714.51 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 Penally Cosh Advances + 0.00 APR of 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $4,204.91 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information if yaa mak t+a : $4,800.00 Cf , .Ytltwtl ertd atliilittanattharowN thetsalcesaCn ep p ! t Credit Lne Credit Line Available $595.00 ws+rsgtk CdtY)iTad .i,N4 !remta #1#4,0004:#.*:: Cash Advance Credit Line $1,200.00 eactr f'al?., tp `` Cash Advance Credit Line Available $595.00 Only the minimum 15 years $9,983 payment You may be able to avoid Interest Charges,see Additional $5,427 Important Information for details. $151 3 years (Savings=$4,556) Cashback Bonuse If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 1.78 Cashback Boars Balance $ 1.78 To learn more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER(1-800.347-2683) to'pay down your balance,securely access statements,pay Please have your Discover®card available. bills online and easily track all transactions'° 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn • For payments,please send to address on remittance or and redeem cash rewards- Discover,PO Box 6103,Carol Stream,IL 60197.6103 NEWI Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800.347.7449. . Transactions Trans. Post . Date Date Payments and Credits Nov 18 Nov 18 INTERNET PAYMENT•THANK YOU $ -113.00 Merchandise Nov 21 Nov 21 RITE AID ENOLA PA $ 46.51 Services Nov 21 Nov 21 VERIZON'ONEBILLPAYMENT IRVING TX 668.00 30145597 - 523986677177281171851 Fees TOTAL FEES FOR THIS PERIOD $ 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 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 43,2010 Discover Bank,Member FDIC PAPER.03I0 Transactions Trans.i Post (cont.) Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 207.40 TOTAL INTEREST CHARGED IN 2011 0.00 • 30145597 Questions? Visit www.Discover.com or DISCOVER 1-800-DISCOVER(1-800-347-2683). it pays w NATHAN P BEAHM DISCOVER DISCOVER" Account number ending in 7078 • poge 2 of 2 Interest Charge •Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Boling Period:31 clays TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUhJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 0.00% $94.14 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $3,556.52 $0 V=Variable Rate Information For You Every time you use your Discover(R)card,you earn unlimited cash rewards automatically. Use your card for everyday purchases,monthly bill payments or for something special. Make your money worth more-today and every day! Support your favorite charities with Discover(R)Giving. Easily find and donate to over 1.5 million charities by visiting Discover.com/giving Checking your credit DOES NOT affect your score. Sign up For Credit ScoreTracker and you'll receive access to your Experian credit score and report. Get started today at Discover.com/CreditScoreTracker or call 1.866-708-0672. Additional Important hsfornration 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. i,• • • . r, ,. ,.• _ „'i,•. ., ant If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT E14130-04.21. 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 sir 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 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 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 if we own the company that sold you the goods or services.) 2.You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130.0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope 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 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. • • 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER • You can pay r monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the hole one or you can setup automatic payments through a customer service representative by calling 1.800.347- 683. Automatic payments will bededucted 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 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 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:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(lv)a fixed dollar amount.If your scheduled fixed payment is not enwgh to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will 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.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 maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ 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 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. tiow to Avid Paying Interest on Purchases("Grace Period") If you paid the New Balance on your previous billing statement by the Payment Due Dale 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 jmpact 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 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 adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daiTly 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. Flow We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. Ifyour-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 and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverl'card is issued by Discover Bank;Member FDIC RZNFE001 30145597- Questions?Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). New Balance • Minimum Payment D Account Number ending in 7078 DISCOVER $4,638.85 $133.00 j Enter Amount Enclosed Below Payment Due Date $ . January 18,2012 • . Pay online at www.Discover.com or make check payable to Discover. Phone and intemet • payments must be made by 5:00pm ET for same day posting. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478046388500000000013300 Opening Date: November 24,2011 - Closing Date: December 23,2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,638.85 Minimum Payment Due $133.00 Account number ending in 7078 Payment Due Date January 18,2012 Previous Balance $4,204.91 Late Payment Warning:If we do not receive your minimum Payments And Credits • 125.00 payment by the date listed above,you may have to pay a late Purchases + 558.94 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $4,638.85 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to payoff your balance.For example: transactions for detailed APR information Efyatt:tldls tln Yom' o1 1 F1 3tc+u wflf end _`, Credit Line $4,800.00 °dditronal :`tf bgldnce4hinxa VP gai1 + Credit Line Available $161.00 v tr+g tlsrs otF 1hte fbetil .:estlmalecl#ofo#f 9 f1 iilarlth Yctt nl vuiiii'j r Cash Advance Credit Line $1,200.00 Cash Advance Credit Line Available $161.00 Only the minimum 17 years $12,184 payment You may be able to avoid Interest Charges,see Additional $6,036 Important Information for details. $168 3 years (Savings=$6,148) Cashback Bonuse If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashback Bonus Balance $ 1.78 New Cashback Bonus This Period + 1.39 Cashback Bonus Balance $ 3.17 To learn more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www-Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discovere card available. .. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1.800.347-7449. Transactions Trans. Post Date Date Payments and Credits Dec 18 Dec 18 INTERNET PAYMENT•THANK YOU $ •125.00 Merchandise Nov 22 Nov 24 RITE AID ENOLA PA $ 93.28 30145597 Dec 11 Dec 11 KRANZEL'S HOBBIES CAMP HILL PA 21.71 Dec 11 Dec 11 MOUSER ELECTRONICS DI5 800-346-6873 TX 34.14 221820898A001. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discovercom/paperless ®2010 Discover Bonk,Member HNC P.PER.0310 Transactions (cont.) Trans.De Date Automotive Nov 29 Nov 29 ADVANCE AUTO PARTS#1238 ENOLA PA 107.03 Dec 1 Dec 1 DISCOUNT TIRE WDOH GROVEPORT OH 190.00 Dec 7 Dec 7 NTB 542 HARRISBURG PA 46.62 0000525848876W1 Dec 8 Dec 8 ADVANCE AUTO PARTS#1238 ENOLA PA 11.63 Supermarkets Nov 26 Nov 26 GIANT 6263 ENOLA PA 12.31 010161 Home Improvement Nov 25 Nov 25 LOWE'S OF MECHANICSBURG,MECHANICSBURGPA 42.22 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Inbred Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 207.40 TOTAL INTEREST CHARGED IN 2011 0.00 30145597 Questions?Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER If WSCOVER' NATHAN P BEAend Account number ending in 7078 page 2 of 2 • Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest.rate on your account. Current aim;Period:30 days • TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 0.00% $1,176.77 $0 Cash Advances 23.99% V $0 $0 balance Transfers 0.00% $3,440.40 $0 V=Variable Rate Information For You This month,the featured Cashbock Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashback Bonus for a$25 Bed Bath&Beyond gift card. It's easy to find and donate to the charity of your choice with Discover(R)Giving. Choose from over 1.5 million charities and donate using your Discover card. Visit Discover.com/giving nowl Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Cdl 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84130-0421. In your letter,give us the following information: Account information:Your name and account number. Dollar amount;The dollar amount of the suspected error. Description of Problem If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors• • You may call us,but if you do we are not required to investigate any potential errors and you may have to pay tfie amount in question. While we investigate whether or not there has been an en-or,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 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 are dissatisfied with the goods or services that you have purchased with your credit card,and you have fried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have Fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130.0945 While we investigate,the 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 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 lime on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM bail time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to.Discoveri PO Box 6103 Carol Stream,IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the right to resubmit it as on electronic debit. • 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay our monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments-through a customer service representative by calling 1.800-347.2683..Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e. .,the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday your payment will be processed the'business day prior to the weekend or bank holiday: In order to schedule monthly payments by telephone,you will need this statement and your bank account information. You will be asked to provide the last four(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 apOicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 147-2683 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 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.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: 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 cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases("G a Period") If you paid the New Balance on your previous•i lling 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 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 day of the billing period is your balance on the ast 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 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 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. !flour Account has a credit balance,the ainount-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 and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFE001 • 30145597: • Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7078 • DISCOVER $4,528.85 S131.00 Enter Amount Enclosed Below - 'Payment Due Dare February 18,2012 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. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478045288500000000013100 Opening Date: December 24,2011 - Closing Date: January 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,528.85 Minimum Payment Due $131.00 Account number ending in 7078 Payment Due Date February 18,2012 Previous Balance $4,638.85 Late Payment Warning:If we do not receive your minimum Payments And Credits • 135.00 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 23.99%variable. Fees Charged + 25.00 Interest Charged + 0.00 Mtninum Payment Warning:If you make only the minimum New Balance $4,528.85 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions For detailed APR information Fky¢umak Pi gyp 0�r wlfl end ' $4,800.00 additippal�r tfilcet MS ow paynan Credit Line Credit Line Available $271.00 '�su^g his c4rrlcrtssl Ott llxts tMt3t sttm> takal rtf Cash Advance Credit Line $1,200,00 eacti�m 06*(4 i� ;. s Cash Advance Credit Line Available 1271.00 Only the minimum 17 years $12,149 You may be able to avoid Interest Charges,see Additional P°Yr"ent Important Information for details. $165 3 years $5,928 (Savings=$6,221 ) Cashbacic Bonus® If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashbook Bonus Balance $ 3.17 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.17 To lean,more,log in otwww.Diseover.eom 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discoverm card available. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn • For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347-7449. . . • Transactions T • rans. Post Dab Date • - Payments and Credits Jan 20 Jan 20 INTERNET PAYMENT•THANK YOU $ .135.00 Fees Jan 18 Jan 18 LATE FEE $ 25.00.. 30115597 TOTAL FEES FOR THIS PERIOD 25.00 • Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 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 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 62010 Discover Bonk,Member FDIC PAPER 0310 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 0.00 30145597 • Questions? Visit www.Discover.com or DISCOVER 1-800-DISCOVER(1-800-347-2683). NATHAN P BEAHM DISCOVER DlSCVEtt Account number ending in 7078 page 2 of 2 • Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your ocrount. • Current Boling Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 0.00% $1,298.45 $0 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $3,322.98 $0 V m Variable Rate Information For You 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. With Discover(R)Giving,it's easy to Find and donate to the charities that matter most to you. Visit Discover.com/giving and choose from over 1.5 million charities. Donne novel Identity Theft Protection provides daily 3-bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/itp or call 1-866-515-5302 to learn more or to enroll. Additional knpatant 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. .4..- - S- i • L•,. i _ U./L.. - n -ur_Statemetlf 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 writina 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 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 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 clo not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the some rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe on amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When 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 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. • 30145597 • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • You can r 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 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 apOicable,to correct an 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,Salt Lake City,UT 841130-0421;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 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 increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due, 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 maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ; ❑Fixed PayS Bank Routing#: ;Bank Account 4: ;Frequency: Credit Repotting.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 avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. ow to Avoid Paying_lgterest on Purchases("Grape Period") I you paid 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. low 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 Interest Charges-Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daly Balance for Each Transaction Category We start with the 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 odd 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 a Balance Subject to Interest Rate. It shows this For each transaction category. The BalanceSubject 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®cord is issued by Discover Bank,Member FDIC RZNFE001 30145597 Questions? Visit www.Discover.com or J D'r�.�E� call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7078 DISCOVER S4,410.33 $129.00 Enter Amount Enclosed Below Payment Due Date March 18,2012 Pay online at www.Discover.com or make check • payable to Discover. Phone and internst • payments must be made by 5:00pm ET for some day posting. NATHAN P BEAHM 19ANNETfE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,email or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478044103300000000012900 Opening Date: January 24,2012- Closing Date: February 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,410.33 Minimum Payment Due $129.00 Account number ending in 7078 Payment Due Date March 18,2012 Previous Balance $4,528.85 Late Payment Warning:If we do not receive your minimum Payments And Credits • 140.00 payment by the date listed above,you may have to pay o 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 21.48 MMimuni Pa mentWanning:II you make only the minimum New Balance $4,410.33 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR in formation Ityottthgk tsa IleavS paX ff :;`A J ivt11f iif Credit Line $4,800.00 adtlrtionalt3 Ses tftetraldrdsfiown up} ttcrrt Credit line Available $389.00 usingtta clarrd *lftls atamenl :::j#0a#0( of Cash Advance Credit line $1,200.00 man.6 y5u pad' Cash Advance Credit Line Available $389.00 Only the minimum 17 years $11,984 payment You may be able to avoid Interest Charges,see Additional $5 819 Important Information for details. $162 3 years • (Savings=$6,165) Cashback Bonus° If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashbook Bonus Balance $ 3.17 New Cashbook Bonus This Period + 0.00 Cashback bonus Balance $ 3.17 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER(1-800-347-26831 to pay down your balance,securely access statements,pay Please have your Discovers card available bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1.800.347-7449. Transactions Trans. Post Date Date Payments and Credits Feb 18 Feb 18 INTERNET PAYMENT-THANK YOU $ -140.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 *5°°141 rJ'0 7 INTEREST CHARGE ON PURCHASES $ 21.48 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable,password protected statements. •See your statement as soon os it's available rather than wait far 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 Discover Bonk,Member FDIC PAPER.0310 Transactions Trans. Dale (cont.) Date interest Charged TOTAL INTEREST FOR THIS PERIOD $ 21.48 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 21.48 30145597 Questions? Visit www.Discover.com or DiSC�VEt� call 1-800-DISCOVER )1-800-347-2683). DISCOVER • DI5C Y NATHAN P BEAHM Account number ending in 7078 • page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Baling Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE INTEREST Purchases 18.99% V $1,332.09 $21.48 Cash Advances 23.99% V $0 $0 Balance Transfers 0.00% $3,180.04 $0 V=Variable Rate Information For You Discover Student Loans(R)can help loyal cardmembers,like you,take control of college and graduate school costs. Visit DiscoverStudentloans.com or call us at 1-877-728-3030 to learn more about our private student loans with a 2% Graduation Reward. When applying for your private student loan,please use invitation code CO211 XT. This month,the featured Cashbook Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashbook Bonus for a$25 Bed Bath&Beyond gift card. Announcing Pending Transactions! You asked,we listened. Cardmembers can now view pending transactions online! Check your purchases in real time to stay connected to your account like never before either online or using your mobile device. Log in to your account at Discover.com From your laptop or your mobile device and see for yourselfl 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 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'iritinq 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 fights If You Are Dissatisfied With Your Credit Card Pucha s If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in 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 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 cash,correspondence or other items with your payment,if you send the payment fo 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. 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • • You can your Monthly Minimum Payment Due,.or a greater amount that does not exceed your current Account balance, over the te�le one 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 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 pwment 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 moil 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 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.It your scheduled payment is greater than the New Balance on your billet statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. IF you enroll by phone in our automatic payment service,please Fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: Credit Reloading.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 avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. flow to Avoid Paying thterest on Purchases "Grace Period") It 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 Interest Charges-Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"For each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daly Balance for Each Transaction Category We start with the beginning balance for each clay. 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 eriod. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the doily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction 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 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 Deal)assistance,please cal 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 RZNFE001 • 30145597- Questions? visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7078 DISCOVER $4,336.92 $87.00 Enter Amount Enclosed Below payment Due Dore Aprl 18,2012 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. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478043369200000000008700 Opening Date: February 24,2012- Closing Date: March 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,336.92 Minimum Payment Due $87.00 Account number ending in 7078 Payment Due Date April 18,2012 Previous Balance $4,410.33 Late Payment Warning:If we do not receive your minimum Payments And Credits - 140.00 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 66.59 Minimum Payment Warning:If you make only the minimum New Balance $4,336.92 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information fybv tnketto Ycrtr pityctF 440.040.#4 ' Credit line $4,800.00 addBi++tsal thallfonce str goytt Credit Line Available $463.00 41000050 -sih mett1 Metal of eacfr 1SiOrltft �BGf V>, y r . Cash Advance Credit Line Cash Advance Credit Line Available $463.00 Only the minimum 17 years $11,678 payment You may be able to avoid Interest Charges,see Additional $5,722 Important Information For details. $159 3 years (Savings=$5,956) Cashback Bonus° If you would like information about credit counseling services, Anniversary Month call 1.800.347-1121. December Opening Cashbook Bonus Balance $ 3.17 New Cashbook Bonus This Period + 0.00 Cashback Bonus Balance $ 3.17 To learn more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discovers cord available bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moreSM—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deof) mobile phone assistance,please call 1-800347.7449- Transactions Trans. Post Date Date Payments and Credits Mar 18 Mar 18 INTERNET PAYMENT•THANK YOU $ -140.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 In7 INTEREST CHARGE ON PURCHASES $ 66.59 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discovercom/paperleu 02010 Discover Bonk,Member FDIC PAPER 0310 Transactions Trans. Post (cont.) Date Dale Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 66.59 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 88.07 30145597 Questions?Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683y. DISCOVER DISCOVER' NATHAN P BEAHM Account number ending in 7078 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Period:29 days . TYPE OF BALANCE ANNUM PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) TEREST RATE Purchases 18.99% V $$4,4113.60 $66.59 Cash Advances 23.99% V $0 $0 V-Variable Rate Information For You This month,the featured Cashbock Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashback Bonus for a$25 Bed Bath&Beyond gift card. Need Cash? Whether it's for an unexpected bill or an emergency car repair,Discover(R)cord can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more. For only$3.99 a month Discover(R)Wallet Protection helps notify your card issuers,requests replacement cards,and monitors your credit activity for 90 days if your wallet is ever lost or stolen. Visit Discover.com/walet or call 1.866.240.7937 to learn more or to enroll. 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 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 You may call us,but if you do we are not required to investigate any potential errors and you may have to pay 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 y 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 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 chock 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 8.4130-0945 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 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 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 tocility 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. 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay r monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone u 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 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 parment 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 a scheduled payment by phone at 1.800.347-2683 or by mail at Discover,PC)Box 30421,Salt Lake City,UT 84130-0421;however we must receive notice at least three business days in advance of the scheduled payment. IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(Iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled 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 after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ; ❑Fixed Pay$ Bank Routing#: ;Bank Account 41: ;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 avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. }Jaw to Ayo d Payin Iffiest on Purchases(" ace Period") If you paid the New glance 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 Cakulale Interest Charges-Daly Balance Method(including currant 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 os 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 pert 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 Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00-or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please cal 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFEOO1 30145597 • • • Questions?visit www.Discover.com or ��$C�\/ER call 1-800-DISCOVER(1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7078 DISCOVER $4,352.23 $126.00 Enter Amount Enclosed Below Payment Due Date • May 18,2012 • • Pay online at ww■.Discover.com or make check payable to Discover. Phone and intermit payments must be made by 5:00pm ET for same day posting. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478043522300000000012600 Opening Date: March 24,2012- Closing Date: April 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,352.23 Minimum Payment Due $126.00 Account number ending in 7078 Payment Due Date May 18,2012 Previous Balance $4,336.92 Late Payment Wamng:If we do not receive your minimum Payments And Credits - 90.00 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 23.99%variable. Fees Charged + 35.00 Interest Charged + 70.31 Minimum Payment Waning:If you make only the minimum New Balance $4,352.23 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information tdke no Y btu wAl , Credit Line $4,800.00 adrl<iicelal:dtarge3 . tf»e belaticatal�cr►m ap P > Credit Line Available $447.00 t�xtr3gtl�ts alhraalatemertT exrimtalalaf eaclt nlcutlfi fq ax, r a Cash Advance Credit Line $1,200.00 Cash Advance Credit Line Available $447.00 Only the minimum 17 years $11,735 payment You may be able to avoid Interest Charges,see Additional Important Information For details. $160 3 years $5,742 yeO (Savings=$5,993) Cashback iRonuse If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashback Bonus Balance $ 3.17 , New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.17 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800.347-2683) to down your balance,securely access statements,pay Please have your Discovers card available. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197.6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800347.7449. Transactions Trans. Post Date Date . Payments and Credits Apr 20 Apr 20 INTERNET PAYMENT-THANK YOU $ -90.00 • . Fees . Apr 18 Apr 18 LATE FEE . $ 35.00 1014g597 TOTAL FEES FOR THIS PERIOD 35.00 • Interest Charged . INTEREST CHARGE ON PURCHASES $ 70.31 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 downloadoble,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 62010 Discover Bank,Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0.00 TOTAL INTEREST FOR MS PERIOD 70.31 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 158.38 30145597 Questions? visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). i7 h pays to NATHAN P BEAHM DISCOVER DISCOVER Account number ending in 7078 page 2 of 2 • Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rote on your account. Currant BEng Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 18.99% V $4,359.32 $70.31 Cash Advances 23.99% V $0 $0 V=Variable Rate Information For You Make Your Life A Little Less Stressful. There are times in life when it would be nice to put your payments on hold. Discover Payment Protection allows you to put your payments on hold up to two years if you experience a qualifying event like unemployment or disability. Call 1.888.421.2766 or visit Discover.com/paymentprotection to enrollt Checking your credit Does Not affect your score. Sign up for Credit ScoreTracker and you'll receive access to your Experian credit score and report. Get started today at Discover.com/CreditScoreTracker or call 1.866.708.0672. 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. Additional knportant Information See your Cardmember 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 letter,give us the following information: Account information;Your name and account number. Dollar amount;The dollar amount of the suspected error. Descriptionpf 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 iii writing You may coll 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 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 p ay 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 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. I f all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope 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,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. 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay r monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the tole one or you can setup automatic payments through a customer service representative by calling 1.800347. 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 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 ban) account,as apOicable,to correct 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 notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment Is not enmigh 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.Ilgyour scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: Credit Repotting.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 blowing address: Discover,PO Box 15316,Wilmington,DE 198505316. Please indicate your name,address, home telephone number and Account number. Paying Merest 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 Avojd Paying Interest on Purchases j"G a 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 Mayjmpact 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 Interest Charges-Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daly Balance for Each Transaction Category We start with the 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 odd 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 riodic 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 add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. -A credit balance is money that is owed to you. You may make charges-against 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 and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover card is issued by Discover Bank,Member FDIC RZNFEOO1 30145597 • Questions? Visit www.Discover.com or p�SC�VE� call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment D Account Number ending in 7078 DISCOVER $4,387.39 $89.00 Enter Amount Enclosed Below Payment uue Date June 18,2012 Pay online at www.Discover.com or make check payable to Discover. Phone and Internet " payments must be made by 5:00pm ET for sane day posting. NATHAN P BEAHNi • 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,email or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478043873900000000008900 Opening Date: April 24,2012- Closing Date: May 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,387.39 Minimum Payment Due $89.00 Account number ending in 7078 Payment Due Date June 18,2012 Previous Balance $4,352.23 Late Payment Warning:If we do not receive your minimum Payments And Credits - 130.00 payment by the date listed above,you may have to pay a late Purchases + 96.72 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 68.44 Minimum Payment Warning:If you make only the minimum New Balance $4,387.39 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information f Yoe tai :tAttd Ml # Credit Line $4,800.00 diotxslchar 1he4sdlariceshau+tt 1pntut tlstx coca a 'Ssp �€ utt ta►A1 s4 Credit line Available ;412.00 to ..:, ,,.>;.,,,, Cash Advance Credit Line $1,200.00 Cash Advance Credit Line Available $412.00 Only the minimum 17 years $11,898 PaYment You may be able to avoid Interest Charges,see Additional Important Information for details. $161 3 ears $5'788 years $6,110) Cashback Bonus® If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashbook Bonus Balance $ 3.17 , New Cashback Bonus This Period + 0.24 Cashback Bonus Balance $ 3A1 To learn more,kg In etwww.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely ar vvww.Discover.eem Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay • Please have your Discover®card available. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth more5t't—find easy ways to earn For payments,please send to address on.remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEWI Access your account securely through your For TDD(Telecommunications Device for the Deaf) • mobile phone assistance,please call 1-800-347-7449. Transactions Trans. Post Date Date Payments and Credits May 18 May 18 INTERNET PAYMENT•THANK YOU $ •130.00 Merchandise May 16 May 16 GAMESTOP#1845 CAMP HILL PA $ 96.72 630145597 TOTAL FEES FOR THIS PERIOD $ 0.00 kterest Charged INTEREST CHARGE ON PURCHASES $ 68.44 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble,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 Diiscovercom/paperfess 02010 Discover Bonk,Member FDIC PAPER 0310 Transactions Trans. Post (cont.) Interest Charged INTEREST CHARGE ON CASH ADVANCES E 0.00 - INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 68.44 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 S 60.00 TOTAL INTEREST CHARGED IN 2012 226.82 30145597 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). NATHAN P BEAHM DISCOVER 'DISC OVER Account number ending in 7078 • page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current tilling Period:30 days • TYPE OF BALANCE ANNUAL RCENTAGE BALANCE SUB ECT TO INTEREST CHARGE SU Purchases 18.99% V $4,385.02 $68.44 Cash Advances 23.99% V $0 $0 V=Variable Rate Information For You Need Cash? Whether it's for an unexpected bill or an emergency car repair,Discover(R)card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more. Identity Theft Protection provides daily 3-bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/itp or call 1-866-515-5302 to learn more or to enroll. Discover Student Loans(R)can help loyal cardmembers,like you,take control of college and graduate school costs. Visit DiscoverStudenttoans.com or call us at 1-877-728-3030 to learn more about our private student loans with a 2% Graduation Reward. When applying for your private student loan,please use invitation code CTM512. Additional Important Infomnation 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 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 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 wit 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 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 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 Cify,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 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 items with/our 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 d will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will 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. • 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER • • • You can pay r monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the feleptone or you can setup-automatic payments-through a customer service representative by calling - 1.800.347.2683.;Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g. the 15th da 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 month payments by telephone,you will need this statement and your bank account information. You will be asked to provide to 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 made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(Iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing 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 NO Bank Routing#: ;Bank Account#: ;Frequency: Credit Repairing.We may report information about your Account to credit bureaus. Late payments,missed payments,or other def�aaults 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 avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Ayojd Paying Interest on Purchases("Grace Period") It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Dote 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 riot get a grace period on new Purchases. How We Cakulate Interest Charges•Daily Balance Method(including current transactions): We calculate interest charges each billingg period by first figuring the"daily balance"for each Transaction Category. Transaction Cateries 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 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 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 odd Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the-daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please cal 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 RZNFE001 30145597 • Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 7078 $4,434.37 $92.00 Enter Amount Enclosed Below ' ' Payment Due Date July 18,2012 Pay online at www.Discover.com or make check payable to Discover. Phone and interne! payments must be made by 5:00pm ET for same . day posting. . NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discever.com or print change in space above. 000001986451021655478044343700000000009200 Opening Date: May 24,2012- Closing Date: June 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,434.37 Minimum Payment Due $92.00 Account number ending in 7078 Payment Due Date July 18,2012 Previous Balance $4,387.39 lets Payment Warning:If we do not receive your minimum Payments And Credits • 90.00 payment by the date listed above,you may have to pay a late Purchases + 65.00 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 71.98 Minimum Payment Waning:If you make only the minimum New Balance $4,434.37 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information 'It y s mitketto Yavwo i Attd y:+a will e $4,800.00 addioa s 'te gateYhom up f Credit Line Credit Line Available $365.00 Wsus #Itlst ts4 ctijitlhns$tat fl t1 ttt; ,l04.Qf Cash Advance Credit Line $1,200.00 t ' Cash Advance Credit Line Available $365.00 Only the minimum 17 years $12,096 payment You may be able to avoid Interest Charges,see Additional $5,650 Important Information For details. $163 3 years (Savings=$6,246) Cashback Bonus° If you would like information about credit counseling services, Anniversary Month call 1-800-347.1121. • December Opening Cashback Bonus Balance $ 3.41 , New Cashback Bonus This Period + 0.16 Cashback Bonus Balance $ 3.57 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800.347-2683) to down your balance,securely access statements,pay Please have your Discover®card available: bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn • For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347-7449. . Transactions Trans. Post Dab Date Payments and Credits Jun 18 Jun 18 INTERNET PAYMENT-THANK YOU $ -90.00 Gasoline May 24 May 24 SHELL 57543471007 ENOLA PA $ 30.00 30145597 May 30 May 30 GIANT 6263 ENOLA PA 20.00 010059 May 31 May 31,SHEll 57543471007 ENOLA PA 15.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discovercom/paperless 02010 Dleo,er Bork,Member FDIC PAPER.03I D Transactions Trans. Post (cont.) Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 71.98 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 71.98 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 298.80 30145597 Questions? Visit www.Discover.com or DISCOVER 1-800-DISCOVER (1-800-347-2683). DISCOVER NATHAN P BEAHM Account number r ending in 7078 page 2 of 2 Interest Charge Calculation • Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Bring Period:31 days TYPE OF BALANCE • ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 18.99% V $4,462.52 $71.98 Cash Advances 23.99% V $0 $0 V=Variable Rate Information For You This month,the featured Cashback Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashback Bonus for o$25 Bed Bath&Beyond gift card. Announcing Pending Transactions! You asked,we listened. Cardmembers can now view pending transactions online! Check your purchases in real time to stay connected to your account like never before either online or using your mobile device. Log in to your account at Discover.com from your laptop or your mobile device and see for yourself! Need Cash? Whether it's for on unexpected bill or an emergency car repair,Discover(R)card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more. Additional Insportant 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,LIT 84130-0421. In your letter,give us the following information: Account informafferr 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 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 made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3,You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the 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 Bieck 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 tranAer,funds maybe withdrawn from your • account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you send the payment to 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. 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay ur 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 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. 6B3 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 con set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.IF your scheduled fixed payment is not 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 fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ , ❑Fixed Pay$ Bank Routing#: ;Bank Account 4t: ;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 198505316. 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 Cash Advances. How to Avoid Paying) rest on Purchases("Gage 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 Cakuktte Interest Charges•Daly Balance Method('including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daly Balance for Each Transaction Category We start with the 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 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 it 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 cal 1•80 •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 RZNFEOO1 • • 30145597 Questions?Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). New Balance Minimum Payment Due' Account Number ending in 7078 DISCOVER $4,403.69 $90.00 Enter Amount Enclosed Below ?aymentDue Date $ August 18,2012 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. • NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478044036900000000009000 Opening Date: June 24,2012- Closing Date: July 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,403.69 Minimum Payment Due $90.00 Account number ending in 7078 Payment Due Date August 18,2012 Previous Balance 34,434.37 Late Payment Warning:If we do not receive your minimum Payments And Credits • 100.00 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 23.99%variable. Fees Charged + 0,00 Interest Charged + 69.32 Minimum Payment Weaning:If you make only the minimum New Balance $4,403.69 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information Ify0#004tlo Yttu' pF j!v4illimCt Credit Line $4,800,00 ecldtttorsali� �tftebalaricnehown uPt ! t Credit Line Available $396.00 using sls cardtrn4 'onihJsatkrtement mr�rec€tatal of Cash Advance Credit Line $1,200.00 'to about, Cash Advance Credit Line Available $396.00 Only the minimum 17 ars ye $11,968 Payment You may be able to avoid Interest Charges,see Additional Important Information for details. $161 3 years $5,811 �a (Savings=$6,157) Cashback Bonus° If you would like information about credit counseling services, Anniversary Month call 1.800-347-1121. December Opening Cashback Bonus Balance $ 3.57 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.57 To learn more,log in of www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800.347-2683) to pay down your balance,securely access statements,pay Please have your Discovers card available. bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moreSM—find easy ways to earn • For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 601974103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1.800-347-7449. Transactions . ' Trans. Post Date Dale Payments and Credits Jul 16 Jul 16 INTERNET PAYMENT-THANK YOU $ •100.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 61130'15/7 INTEREST CHARGE ON PURCHASES $ 69.32 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discover.com/paperfess ®2010 Dieeover Bank,Member FDIC PAPEL0310 Transactions Trans. Post (cont.) Merest Charged TOTAL INTEREST FOR THIS PERIOD $ 69.32 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 368.12 30145597 Questions? visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). it pays w . NATHAN P BEAHM DISCOVER DISCOVER Account number ending in 7078 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 ANN�L PERCENTAGE BA1ANCTEREST ECT TO INTEREST CHARGE RATE Purchases 18.99% V $4,44127 $69.32 Cash Advances 23.99% V $0 $0 V=Variable Rate Information For You 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. Identity Theft Protection provides daily 3-bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/itp or call 1-866-515-5302 to learn more or to enroll. Checking your credit Does Not affect your score. Sign up for Credit ScoreTrocker and you'll receive access to your Experian credit score and report. Get started today at Discover.com/CreditScoreTracker or call 1-866-708-0672. Additional important Information See your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account. Lest or stolen cords. Report immediately) Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,LIT 84130-04.21. 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' 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 edit 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 cord for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope 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 from your check to make art 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 addressor if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any 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,I1 60 1 97-6 1 03. Please allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the right to resubmit it as an electronic debit. • 30145597 . . • • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' • • • You_can pay r Monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the one 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 fats 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 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,fo 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 made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will 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 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 0 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 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 Merest 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 Avid Paying Interest on Purchases("Grace Period") It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not Impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current bilking 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-Davy 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 adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Merest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the 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 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 and/or record telephone calls between you and Discover representatives for quality assurance . purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFE001 • 30145597 • Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). New Balance Minimum Payment D Account Number ending in 7078_ DISCOVER $4,374•97 $92.00 Enter Amount Enclosed Below Payment Due Dare September 18,2012 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. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478043749700000000009200 Opening Date: July 24,2012- dosing Date: August 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,374.97 Minimum Payment Due $92.00 Account number ending in 7078 Payment Due Date September 18,2012 Previous Balance $4,403.69 Late Payment Warring:If we do not receive your minimum Payments And Credits • 100.00 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 23.99%variable. Fees Charged + 0.00 Interest Charged + 71.28 Minimum Payment Warning:If you make only the minimum New Balance $4,374.97 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR in formation pliA Y y *y o v y } Credit Line xall>onsl� tileglauissMowta ups sn $4,soo.00 Credit Line Available $425.00 u, g1x#3 cd i1h .4 o g - Cash Advance Credit Line $1,200.00 iiiii;b001,/iWOO rra Cash Advance Credit Line Available $425.00 Only the minimum 17 years $11,839 You may be able to avoid Interest Charges,see Additional Important Information for details. $160 3 rs .$5,773 years (Savings=$6,066) Cashback BOnuse If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashbock Bonus Balance $ 3.57 New Cashbook Bonus This Period + 0.00 Cashback Bonus Balance $ 3.57 To learn more,loft in or www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Poydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to Pay down your balance,securely access statements,pay Please have your Discovers card available bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 841'30(Not a payment address) Make your money worth more^—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197.6103 NEW!Access your account securely through your • For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347.7449. . • Transactions Trans D te Payments and Credits Aug 18 Aug 18 INTERNET PAYMENT-THANK YOU $ -100.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 ittri 4,517 - • INTEREST CHARGE ON PURCHASES $ 71.28 ' INTEREST CHARGE ON CASH ADVANCES 0.00, INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Diiscovercom/paperless 02010 Discover Banc,Member FDIC PAPER0310 Transactions Trans. Post (cont.) Date Date Merest Charged TOTAL INTEREST FOR THIS PERIOD $ 71.28 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 439.40 30145597 Questions? Visit www.Discover.com or ��SCiVER call 1-800-DISCOVER (1-800-347.2683). It pays DISCOVER Itpas NATHAN P BEAHM DISCOVER' Account number ending in 7078 • page 2 of 2 Interest Charge Calculation • Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Wing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 18.99% V $4,418.85 $71.28 Cash Advances 23.99% V $0 $0 V •Variable Rate Information For You This month,the featured Cashbock Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashback Bonus for a$25 Bed Bath&Beyond gift card. Make your life a little less stressful. There are times in life when it would be nice to put your payments on hold. Discover Payment Protection allows you to put your payments on hold up to two years if you experience a qualifying event. Call 1-888-421-2766 or visit www.discover.com/paymentprotection to enroll) Identity Theft Protection provides daily 3-bureau credit report monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/itp or call 1.866.515.5302 to learn more or to enroll. 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 infarmalion_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 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 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 Hp',are dissatisfied with the s or services that you have purchased with your credit card,and you have tried in good faith to correct the pr&lem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in 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 some day we receive your payment,and you wil 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,1160197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the right to resubmit it as an electronic debit. 30145597 • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You con pay r monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the hie one 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 halls 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 1-847.2683 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 a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment Is not enargh to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will 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 maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ 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 u 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!Merest: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. low to Avoid Paying Irdorest on Purchases("Grace Period") I you paid the New Balance on your previous•Ming 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 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 Doily 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 odd 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!Merest 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 ategory. 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 feesio the standard Purchase Transaction Category. Balance Subject to b ter'st Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deal)assistance,please cal 1-800347-7449. 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 RZNFE001 30145597 Questions? Visit www.Discovsr.com or DISCOVER call 1-800-DISCOVER [1-800-347-2683). �aI� New Balance. Minimum Payment Due Account Number ending in 7078 DISCOVER $4,353.80 $91.00 ( Enter Amount Enclosed Below Payment bue Dore October 18,2012 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. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478043538000000000009100 Opening Date: August 24,2012- dosing Date: September 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,353.80 Minimum Payment Due $91.00 Account number ending in 7078 payment Due Date October 18,2012 Previous Balance $4,374.97 Late Payment Warning:If we do not receive your minimum Payments And Credits 92.00 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 Penally Cash Advances + 0.00 APR of 23.99%variable. Fees Charged + 0.00 Interest Charged + 70.83 Minimum Payment Warning:If you make only the minimum New Balance $4,353.80 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information Iyactnolrt nr, K4nt tsstyo 1tLni cvlll ttrt<# Credit Lino $4,BOO.00 adi�i#ianal Nt�l ' Credit line Available $446.00 usl thl -em ihta of ttmert{ morew€ Qf 460.04M00:00.0 ns c Cash Advance Credit Line 51,200.00 Cash Advance Credit Line Available $446.00 Only the minimum 17 years $11,736 payment You may be able to avoid Interest Charges,see Additional $5,745 Important Information for details. $160 3 yeah (Savings=$5,991 ) Cashback Bonus° If you would like information about credit counseling services, Anniversary Month call 1-800-347-1121. December Opening Cashbock Bonus Balance $ 3.57 , New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 3.57 To learn more,log in of www.Diseover.eom 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.cem Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER(1-800-347-2683) to y down your balance,securely access statements,pay Please have your Discover®card available bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth moresm—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347-7449. Transactions Trans. Post • Date Date - Payments and Credits Sep 18 Sep 18 INTERNET PAYMENT-THANK YOU $ •92.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 i'!O 1*55W7 INTEREST CHARGE ON PURCHASES $ 70.83 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodoble,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discovercom/paperless 0201D Discover Bonk,Member FDIC PAPER 0310 Transactions Trans.e (cont.) Date Merest Charged TOTAL INTEREST FOR THIS PERIOD $ 70.83 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 60.00 TOTAL INTEREST CHARGED IN 2012 510.23 30145597 Questions? visit www.Discover.com or call 1-800-DISCOVER(1-800-347-2683). DISCOVER DISCOVER' NATHAN P BEAHM Account number ending in 7078 page 2 of 2 • Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual,interest rate on your account. Currant Wiling Period:31 days TYPE OF BALANCE BONN��PERCENTAGE BALANCE RATE SUBJECT TO INTEREST CHARGE Purchases 18.99% V $4,391.46 $70.83 Cash Advances 23.99% V $0 $0 V•Variable Rate Information For You "Discover Home Loans State Licensing Info**Not all applicants are approved. Terms and conditions apply. AZ Mortgage Banker UC 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 #MB.6760852-Dept of Financial Regulation,100 W Randolph,9th Floor,Chicago,IL 60601;MA Mortgage Lender& Mortgage Broker LIC#MC837915;licensed by the MS Dept of Banking and Consumer Finance;Licensed by the NH Banking Dept;NJ Residential Mortgage Lender UC;OH Mortgage Broker Act Mortgage Banker Exemption #MBMB.850150.000;OR Mortgage Lender UC#ML-5100;Licensed by the PA Dept of Banking;VA Exempt Company Registration;Licensed in WA under the name of DES HL Inc.,Consumer Loan UC#CL-837915;Discover Home Loans,Inc.'s NMLS#837915. Not available in NV,NY&RI This month,the Featured Cashback Bonus(R)Redemption Partner is Bed Bath&Beyond(R). Redeem$20 Cashback Bonus For a$25 Bed Both&Beyond gift card. Cover up to 100%of college and graduate school costs. With Discover(R)Student Loans,you can cover up to 100%of tuition,housing,books and more. Visit DiscoverStudentloans.com or call us at 1.877.728-3030 to learn more. Please use invitation code CTM912 when applying. Additional Important Information See your Cardtnember 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. Poscription,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 wrthng 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 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 advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in wri ,tine 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 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 wil 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 fo ing facility by 5PM local time on any day will be credited to your Account as of that day. Payments rocessing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197-6103. Please allow 7-10 days for delivery. IF your payment is returned unpaid,we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER: • • You can pay our monthly Minimum Payment Due,or o greater amount that does not exceed your current Account balance, • over the tee one or you can setup automatic payments rough 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 dote falls on a weekend or bank kdiday your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule month'y 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 apOicable,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 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**scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cordmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount 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 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 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 avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to A aid Paying'latest on Purchases I"G a Period"I It you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose interest charges on new Purchases or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that 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 Interest dharges-Daly Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance'for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daly Balance for Each Transaction Category We start with the 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 datht 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 ategory. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge For the billing period. How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We 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 Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. for TDD(Telecommunications Device For the Deaf)assistance,please cal 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFEO01 30145597 Questions? Visit www.Discover.com or DI$C�VER call 1-800-DISCOVER(1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7078 DISCOVER $4,457.28 $215.00 Enter Amount Enclosed Below 'Payment Due Data - . November 18,2012 •Please make check payable to Discover Card. • Minimum payment due includes a past due amount of$91.00. Phone and Internet payments must be made by 5:O0pm ET for same day posting. . NATHAN P BEAHM ` 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478044572800000000021500 Opening Date: September 24,2012- Closing Date: October 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,457.28 Minimum Payment Due* $215.00 Account number ending in 7078 Payment Due Date November 18,2012 Previous Balance $4,353.80 includes past due amount of$91.00 Payments And Credits - 0.00 Purchases + 0.00 Late Payment Warning:If we do not receive your minimum Balance Transfers + 0.00 payment by the date listed above,you may have to pay a kite Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 35.00 APRs for new transactions may be increased up to the Penalty Interest Charged + 68.48 APR of 23.99%variable. New Balance $4,457.28 Minimum Payment Wanting:If you make only the minimum See Interest Charge Calculation section following payment each period,you will pay more in interest and it will transactions for detailed APR information take you longer to pay off your balance.for example: Credit Line $4,800.00 If +Tirrttt st+++ 'ot 011.:0..ft-!h• Ar+dycv 410.4.N. Credit Line Available $342.00 add °soaps t1 z' 'tf t n l Cash Advance Credit Line $1,200.00 pzrr .thss at4. littp t4ii.n, sshnmtec letalof 4 Cash Advance Credit Line Available $342.00 sadrmonthyau pwy .ate You may be able to avoid Interest Charges,see Additional Only the minimum 16 years $11,773 Important Information for details. payment If you would like information about credit counseling services, Cashback Bonus° Anniversary Month call 1-800-347-1121. December Opening Cashbock Bonus Balance $ 3.57 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.57 To leom more,log In or www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800347-2683) to y down your balance,securely access statements,pay Please have your Discover*card available. bills online and easily track all transactions 3. Write to us at Discover PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth morel—find easy ways to earn • For payments,please send to address on remittance'or and redeem cash rewards Discover,PO Box 6103,Carol Stream,II.60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347-7449. Transactions ; Trans. Post . Data Dale • Fees Oct 18 Oct 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 ist ssaniid7 INTEREST CHARGE ON PURCHASES $ 68.48 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 , ' NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement onytime. •Sign up today at Discovercom/paperless 02010 Dixover Bank,Member FDIC PAPER 0310 Transactions Trans. Post (cont.) Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 68.48 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 95.00 TOTAL INTEREST CHARGED IN 2012 578.71 30145597 Questions? Visit www.Discover.com or p�sC�VER call 1-800-DISCOVER (1-800-347-2683). r • ,` tt pays ro NATHAN P BEAHM DISCOVER DISCOVER" Account number ending in 7078 page 2 of 2 Interest.Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Bilirg Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 18.99% V $4,386.80 $68.48 Cash Advances 23.99% V $0 $0 V.Variable Rate Information For You Use your Discover Card at McDonald's and play MONOPOLY. You could win$1 Million*from Discover or other great prizes! No purchase necessary. `$50,000/yr for 20 yrs,no interest. Subject to Official Rules at PlayatMcD.corn. Ends 10/22/12. Void where prohibited. 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. With a Discover(R)Online Savings Account,you can earn a great rate with convenient access to your funds. View and mange your account online or with our mobile app. Learn more at Discover.com/OSA or call 1-888-728-3212. Member FDIC. Addiional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800.347.2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84130.0421. In your letter,give us the following information: Account information;Your name and account number. Dollar amount;The dollar amount of the suspected error. Description of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors• 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 moy continue to charge you interest on that amount. But,if we determine that we made a mistake,you wit not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to p ay 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 cord 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,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 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 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 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. • 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay r 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 day prior to the weekend or bank holiday. In order to schedule month Iyy 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 apOicable,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 payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(Iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment for that month will be increased to cover the Minimum Payment Due.If the scheduled 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 after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: Credal 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 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 C'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 Jmpact our 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 Interest Charges-Dally Balance Method concluding 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 Ca4i 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 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 datl 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 Indude Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances.'If your Account has a'credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against 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 and/or record telephone calls between you and Discover representatives for quality assurance purposes.,: The Discover.®card is issued by Discover Bank,Member FDIC RZNFEOOt • 30145597 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). New Balance Minimum Payment Account Number ending in 7078 DISCOVER $4,564.74 S343.00 , . Enter Amount Enclosed Below 'Payment Due Date December 18,2012 Please make check payable to Discover Cord. - Minimuin yment due includes c past due ., amount of$215. 00. Phone and Internet payments must be made by 5:00pm ET for same day posting. NATHAN P BEAHM .. . 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478045647400000000034300 Opening Date: October 24,2012- Closing Dale: November 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,564.74 Minimum Payment Due* $343.00 Account number ending in 7078 Payment Due Date December 18,2012 Previous Balance $4,457.28 "Includes past due amount of$215.00 Payments And Credits • 0.00 Purchases + 0.00 Late Payment Warning:If we do not receive your minimum Balance Transfers + 0.00 payment by the date listed above,you may have to pay a late Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 35.00 APRs for new transactions may be increased up to the Penalty Interest Charged + 72.46 APR of 23.99%variable. New Balance $4,564.74 Minimum Payment Waning:If you make only the minimum See Interest Charge Calculation section following payment each period,you will pay more in interest and it will transactions for detailed APR information take you longer to pay off your balance.For example: Credit Line $4,800.00 [5* t o - )04 .04".:of1#Mm-f#a # 4!. - - -- Credit Line Available $235.00 0 'a:::fit..0s C"sl{ Cash Advance Credit Line $1,200.00 4000.....,:',- ca�a4 t4 sf te m etfel toal o Cash Advance Credit Line Available $235.00 encbanonth you pay about You may be able to avoid Interest Charges,see Additional Only the minimum 16 years $11,808 Important Information for details. Payment If you would like information about credit counseling services, Cashback BOnUS® Anniversary Month call 1-800-347-1121. December Opening Cashback Bonus Balance $ 3.57 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.57 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Dfscover.cem Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER(1.800-347-2683) to y down your balance,securely access statements,pay Please have your Discover®card available bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, _Salt Lake City,UT 84130(Not a payment address) . Make your money worth moreSM-find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103. NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1.800.347-7449. Transactions Trans. Post Dale Date Fees Nov 18 Nov 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 frt(QteIinprnad7. _ :- INTEREST CHARGE ON PURCHASES $ 72.46 3U7�F.75�J INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily occess up to 24 months of downloadable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today of Discovercom/paperfess C2010 Discover Bank,Member FDIC PAPER 0310 Transactions Trans. Post (cont.) Date Dab Merest Charged TOTAL INTEREST FOR THIS PERIOD E 72.46 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 130.00 TOTAL INTEREST CHARGED IN 2012 651.17 30145597 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). • It pays b NATHAN P BEAHM DISCOVER DISCOVER Account number ending in 7078 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Brlirg Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 18.99% V $4,492.24 $72.46 Cash Advances 23.99% V $0 $0 V is Variable Rate Information For You With a Discover(R)Online Savings Account,you can earn a great rate with convenient access to your funds. View and manage your account online or with our mobile app. Learn more at Discover.com/OSA or call 1-888-728-3212. Member FDIC. 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 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 by 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 ony 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 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 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 of of the criteria above are met and u are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope 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 trans 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 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. • 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • You can pay our 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- 683.,Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g.,the 15th. 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 ar 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 made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.law. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,{iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement,your scheduled payment For that month will be increased to cover the Minimum Payment Due.If the scheduled payment is greater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ; ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: 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 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 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 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 Interest Charges-Daly Balance Method('including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daly Balance for Each Transaction Category We start with the 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 ategory. 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 Indocile 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 odd all other fees-to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deal)assistance,please cal 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 RzNfE001 30145597 Questions? Visit www.Discover.com or call 1-800-DISCOVER(1-800-347-2683). DISCOVER • New Balance Minimum Payment Due Account Number ending in 7078 •DISCOVER $4,671.53 $470.00 Enter Amount Enclosed Below Payment Due Dare $ January 18,2013 Please make check payable to Discover Card. • Minimum ppayymment due includes a past due amount of$343.00. Phone and Internet payments must be made by 5:00pm ET for same day posting. NATHAN P BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986451021655478046715300000000047000 Opening Date: November 24,2012- Closing Date: December 23,2012 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $4,671.53 Minimum Payment Due* $470.00 Account number ending in 7078 Payment Due Date January 18,2013 Previous Balance $4,564.74 Includes past due amount of$343.00 Payments And Credits - 0.00 Purchases + 0.00 Late Payment Warning:If we do not receive your minimum Balance Transfers + o,00 payment by the date listed above,you may have to pay a late Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 35.00 APRs for new transactions may be increased up to the Penalty Interest Charged + 71.79 APR of 23.99%variable. New Balance $4,671.53 Minimum Payment Warning:If you make only the minimum See Interest Charge Calculation section fallowing payment each period,you will pay more in interest and it will transactions for detailed APR information take you longer to pay off your balance.For example: Credit Line $4,800.00 tfyctktansnp Yi*trxaill, afffEns Agdavyrt�gn51 Credit Line Available $128.00 od *ii4 0100:0§0 s k Cash Advance Credit Line $1,200.00 ' tftK earl and dltr4 t lief f11 eatrmate iota!of Cash Advance Credit Line Available $128.00 eacismaatlryou# *„4Ggidtit f” You may be able to avoid Interest Charges,see Additional Only the minimum 16 years $11,861 Important Information for details. payment If you would like information about credit counseling services, Cashback Bonus' Anniversary Month call 1-800.347.1121. December Opening Cashback Bonus Balance $ 3.57 New Cashbock Bonus This Period + 0,00 Redeemed This Period - 3.57 Cashback Bonus Balance $ 0.00 To learn more,log in at www.Diecover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discover®card available bills online and easily track all transactions 3; Write to us at Discover,PO Box 30943, Salt lake City,UT 84130(Not a payment address) Make your money worth more =Hnd easy ways to earn For payments,please send to address on remittance or. and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEWT Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347-7449. Transactions Trans. Post Date Dale Fees Dec 18 Dec 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 cn> rQs�tiOPT INTEREST CHARGE ON PURCHASES $ - 71.79 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 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/paperfess 02010 Discover Bonk,Member FDIC PAPER.031 D Transactions Trues. Post (cont.) Date Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0.00 TOTAL INTEREST FOR THIS PERIOD 71.79 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 165.00 TOTAL INTEREST CHARGED IN 2012 722.96 30145597 Questions? visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). NATHAN P BEAHM DISCOVER it Account number ending in 7078 • page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interast-rate on your account. Current Biting Period:30 days TYPE Of BALANCE ANN�L PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE RATE Purchases 18.99% V $4,599.34 $71.79 Cash Advances 23.99% V $0 $0 V=Variable Rate Information For You With a Discovers)Online Savings Account,you can earn a great rate with convenient access to your funds. View and manage your account online or with our mobile app. Learn more at Discover.com/OSA or call 1-888-728-3212. Member FDIC. 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 Statagrent 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 informafiom 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 inciting. You may call us,but if you do we ore not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error,the following are true: We cannot fry to collect the amount in question,or report you as delinquent on that amount. The charge in question may remain on your statement,and 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 mailed to you,or if we own the company that said 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 oll of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover,PO Box 30945,Salt Lake City,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 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 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. • 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER • • You can pay our 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- 683..Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e. . the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank-holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone,you will need this statement and your bank account information. You will be asked to provide the last four(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 x0icable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-804347-2683 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 a fixed dollar amount,or(iv)a fixed dollar amount.If your scheduled fixed payment is not enagh 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.It your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service,please fill-in the following blanks below and retain the authorization for your records. • Amount: ❑ Full Pay ❑Min Pay ❑ Min Pay+$ ; ❑Fixed Pay$ Bank Routing#: ;Bank Account#: ;Frequency: 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 blowing 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 avoid paying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. }low to A •jd Paying Interest on Purchases("Grace Period"_) It you pa'•the New Balance on your previous billing statement by the Payment Due Dale 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 Cakulab Interest Charges•Darr 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 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 dad 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 ategory. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against 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 Deal)assistance,please cal 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 RZNFEDO1 30145597 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683). DISCOVER' Discover More Card Account number ending in 7078 Open Date: Dec 24,2012-Close Date:Jan 23,2013. Cardmember Since 2010 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $4,671.53 New Balance $4,782.47 Payments and Credits — $0.00 Minimum Payment Due* $601.00 Purchases + $0.00 Payment Due Dote February 18,2013 Balance Transfers + $0.00 *Includes past due amount of: $470.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the date Interest Charged + $75.94 listed above,you may have to pay a late fee of up to$35.00 and your purchase New Balance $4,782.47 and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99%variable. See Interest Charge Calculation section following the Minimum Payment Warning: If you make only the minimum payment each Transactions section for detailed APR information period,you will pay more in interest and it will take you longer to pay off your Credit Line $4,800 balance.For example: Credit Line Available $17 '''.:-.77::='; ';',: Y` r' � ' "V f: �i il . „ Cash Advance Credit Line $1,200 � F _ a � "f zl ,.r , ,. Cash Advance Credit Line Available $17 Only the minimum payment 17 years $11,984 You may be able to avoid interest on Purchases. If you would like information about credit counseling services,call 1-800-347-1121. See reverse for details. REWARDS Contact Us Discover.com Cashback Bonus® Anniversary Month \ 1-800-347-2683 .../ December Opening Balance $ 0.00 Please make check payable to Discover. You are nearing your New Cashback Bonus This Period +$ 0.00 credit line;call today to apply for a line increase. Phone and Redeemed This Period —$ 0.00 internet payments must be made by 5:00pm ET for some day Cashback Bonus Balance $ 0.00 posting. To learn more,log in at Discover.com Make Check payable to Discover. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below,detach and return with your payment. c xwt z � � ss '�� © �, gl '44 , i Account number ending in 7078 £!its !"r 7i Z f , ' a 5� ^- 14 ,r'ifg' ; _ YRVM''E`Vv.+;t, .', Minimum Payment Due $601.00 I l l l l l l l'l l l l l I l 'l I 1 l'1111.I'I l l l l l l'I'I"' I'I I I'I I I I I I I I I I I I New Balance $4,782.47 Payment Due Date February 18,2013 NATHAN P BEAHM ' Amount enclosed $ 19 ANNETTE DR 46:2- . ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 - 3O14t6697dInternet a I�II'IIliilllIIIIIIllillll.Milli.l.lI'llll11llllllilllllllull p ymenfs must be received by 5PM ET to be credited as of the someday, Address,e-mail or telephone changed?Note changes on reverse side. 000001986451021655478047824701209380060100 NATHAN P BEAHM Account number ending in 7078 Open Dote: Dec 24,2012-Close Date:Jon 23,2013 Page 2 of 4 Important Information You must ensure that sufficient funds are available in your bank account,and all transactions must comply with U.S.low. See your Cardmember Agreement.Your Cardmember Agreement contains , all the terms of your Account. You can set automatic payments for:(i)statement New Balance,(ii)statement Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed Lost or stolen cards.Report immediately)Call 1-800-347-2683. dollar amount,or(iv)Other dollar amount. If your scheduled'Other dollar What To Do If You Think You Find A Mistake On Your Statement amount"payment is not enough to cover the Minimum Payment Due os listed If What think If You is Think ink on your A write to us at: Discover,PO on your monthly billing statement,your scheduled payment for that month y Y will be increased to cover the Minimum Payment Due. If the scheduled Box 30421,Solt Lake City,UT 84130-0421. You must write to us within 60 payment is greater than the Minimum Payment Due,any excess will be days after the error appeared on your statement. You may cull us,but if you applied in accordance with your Cardmember Agreement.If your scheduled do we are not required to investigate any potential errors,and you may have payment is greater than the New Balance on your billing statement,that to pay the amount in question. The Billing Rights Notice further explains your payment will be processed only for the amount of your New Balance.Your rights. A copy of this notice is available at www.Discover.com. automatic payment amount may be less than the amount indicated on the Payments.You may pay all or port of your Account balance at any time. billing statement based on credits or payments after the Close Date. However,you must pay at least the Minimum Payment Due by the Payment If you enroll by phone in our automatic payment service,please fill-in the Due Date.Send only your payment and the bottom portion of this statement following blanks below and retain the authorization for your records. in the envelope provided.Do not send cosh. If you pay by check,you authorize us to use information on your check to make an electronic fund Amount: 0 Full Pay 0 Min Poy 0 Min Pay+S , transfer from your occount at the financial institution indicated on your check Other Amount$ ;Bank Routing#: or to process the payment os a check transaction.If a payment is processed ' as an electronic fund transfer,the transfer will be for the amount of the Bank Account# check.When we use information from your check to make an electronic fund Monthly on the 0 Payment Due Date 0 Close Dote 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 0 Day of month(insert date) your financial institution. Credit Reporting.We may report information about your Account to credit The processing of your payment may be delayed if you send cash, bureaus.Late payments,missed payments,or other defaults on your Account correspondence or other items with your payment,if you send the payment to may be reflected in your credit report.We normally report the status and any other address or if you use an envelope other than the one provided. payment history of your Account to credit reporting agencies each month.If Payments received in proper form at our processing facility by 5PM local time you believe that our report is inaccurate or incomplete,please write us of the on any day will be credited to your Account as of that day.Payments received following address:Discover,PO Box 15316,Wilmington,DE 19850-5316. at our processing facility after 5PM local time will be credited to your Account Please include your name,address,home telephone number and Account as of the next day.If you have misplaced your envelope,send your payment number. 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 Paying Interest.Your due dote is at least 25 days after the close of each resubmit it as an electronic debit. billing period(at least 23 days for billing periods that begin in February).We You can pay your monthly Minimum Payment Due,or a greater amount that will not charge you any interest on Purchases if you pay your entire balance P Y Y Y g by the due date each month.We will begin charging interest on Cash does not exceed your current Account balance,over the telephone or you can Advances and Balance Transfers as of the later of the Transaction Date or the setup automatic payments through a customer service representative by first day of the billing period in which the transaction posted to your Account. calling 1-800-347-2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that How We Calculate Interest Charges.We Use the Daily Balance Method statement,or the next automatic payment date referred to on your statement, (including current transactions)to calculate the Balance Subject to Interest unless you request a recurring payment date(e.g.,the 15th day of the month) Rote. For more information,please call us at 1-800-347-2683. that occurs before your Payment Due Date or Close Date.If your scheduled payment date falls on a weekend or bank holiday,your payment will be Balance Subject to Interest Rate. Your statement shows a Balance Subject processed the business day prior to the weekend or bank holiday.In order to to Interest Rate. It shows this for each transaction category. The Balance schedule monthly payments by telephone,you will need this statement and Subject to Interest Rate is the average of the daily balances during the billing your bank account information.You will be asked to provide the last four(4) period. digits of the social security number of the primary borrower.By providing those numbers as your electronic signature,you will be agreeing to this Credit Balances. If your Account has a credit balance,the amount is shown authorization to allow us and your bunk to deduct each payment you on the front of your billing statement. A credit balance is money that is owed authorize,in the amount selected by you,from your bank account.You also to you. You may make charges against this amount if your Account is open. authorize us to initiate debit or credit entries to your bank account,as We will send you a refund of any remaining balance of$1.00 or more after applicable,to correct an error in the processing of such payment.You can 6 months,or as otherwise required by applicable law,or upon request made cancel a scheduled payment by phone at 1-800-347-2683 or by mail at to the address in the Contact Us section on page 3 of your billing statement. 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 Discover may monitor and/or record telephone calls between you and payment. If your payments may vary in amount,we will tell you on each Discover representatives for quality assurance purposes. monthly billing statement when your payment will be made and how much it will be. The Discover®cord is issued by Discover Bank,Member FDIC. TL23N CHANGE OF ADDRESS If correct on front,do not use.Please print clearly in blue or black ink,in the space provided. Street Address Home Phone Work Phone City Email 3aitagg97 To make changes to your address,email or telephone number,visit Discover.com Continued on next page DISCOVER` Discover More Card Account number ending in 7078 Open Date: Dec 24,2012-Close Date:Jan 23,2013 Page 3 of 4 CONTACT US R Web 0 Mobile Phone Inquiry Mail Payments Access your Manage your O 1-800-DISCOVER ® Discover 0 Discover account securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60197-6103 Transactions Trans.Date Post Date Fees Jan 18 Jan 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 75.94 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 75.94 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 35.00 TOTAL INTEREST CHARGED IN 2013 $ 75.94 Interest Charge Calculation Your Annual Percentage Rate(APR) is the annual interest rate on your account. Current Billing Period:31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 18.99% V $4,708.18 $75.94 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate 30145597 NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION NATHAN P BEAHM Account number ending in 7078 Open Date:Dec 24,2012-Close Date:Jan 23,2013 Page 4 of 4 • 30145597: DISCOVER Discover More Card Account number ending.in 7078 Open Date:Jon 24,2013-Close Date:Feb 23,2013 Cardmember Since 2010 Poge 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $4,782.47 New Balance $4,895.22 Payments and Credits — $0.00 Minimum Payment Due* $734.00 Purchases + $0.00 Payment Due Dote March 18,2013 Balance Transfers + $0.00 •Includes past due amount of: $601.00 Cash Advances + $0.00 I Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the dote Interest Charged + $77.75 listed above,you may have to pay a late fee of up to$35.00 and your purchase New Balance $4,895.22 and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99%variable. See Interest Charge Calculation section following the Minimum Payment Warning: If you make only the minimum payment each Transactions section for detailed APR information period,you will pay more in interest and it will take you longer to pay off your Credit Line $4,800 balance.For example: Credit Line Available $0 4 V,+ i w , r. cs i- r of Cash Advance Credit Line $1,200 h.. `�'•� , Cash Advance Credit Line Available $0 Onl the minimum .a ment 17 ears $12,020 You may be able to avoid interest on Purchases. If you would like information obout credit counseling services,call 1-800-347-1121. See reverse for details. i l REWARDS Contact Us Discover.com Cashback Bonus® Anniversary Month 1-800-347-2683 December J Opening Balance $ 0.00 New Cashback Bonus This Period +$ 0.00 Redeemed This Period —$ 0.00 Cashback Bonus Balance $ 0.00 To learn more,log in at Discover.com Make Check payable to Discover. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below,detach and return with your payment. . ; ...0 az x , - �r��-- Account number ending in 7078 Y a , o v . n f � 4,x, ��,:..s o - 4 e�. ,x .. . iv:Raw.- ... , . Minimum Payment Due $734.00 "'NW '11'1111"1"111111'1lnlill'llTHHIIIIIIIIHT New Balance $4,895.22 Payment Due Date March 18,2013 NATHAN P BEAHM . �? Amount enclosed $ 19 ANNETTE DR +' ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 I'll1ll l� l'.1'1.1 111111'11['11 illi'11111'1111111"111'111!111 3014t5597d Internet payments muse be received by 5PM ET to be credited as of the same day. Address,e-mail or telephone changed?Note changes on reverse side. . 000❑01986451021655478048952200403560073400 NATHAN P BEAHM Account number ending in 7078 Open Date:Jon 24,2013-Close Date: Feb 23,2013 Page 2 of 4 Important Information You must ensure that sufficient funds ore available in your bank account,and See your Cardmember Agreement.Your Cardmember Agreement contains all transactions must comply with U.S.low. all the terms ot your Account. - Lost or stolen cards.Report immediately! 1-800-347-2683. You can set automatic payments for:(i)statement New Balance,(ii)statement Po Y Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed What To Do If You Think You Find A Mistake On Your Statement dollar amount,or(iv)Other dollar amount. If your scheduled'Other dollar If you think there is an error on your statement,write to us at: Discover,PO amount"payment is not enough to cover the Minimum Payment Due as listed Box 30421,Salt Lake City,UT 84130-0421. You must write to us within 60 on your monthly billing statement,your scheduled payment for that month days after the error appeared on your statement. You may call us,but if you will be increased to cover the Minimum Payment Due. If the scheduled do we are not required to investigate any potential errors,and you may hove payment is greater than the Minimum Payment Due,any excess will be to pay the amount in question. The Billing Rights Notice further explains your applied in accordance with your Cardmember Agreement.If your scheduled rights. A copy of this notice is available at https://discover.com/billingrights. 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 Payments.You may pay all or part of your Account balance ai any time. automatic payment amount may be less than the amount indicated on the However,you must pay at least the Minimum Payment Due by the Payment billing statement based on credits or payments after the Close Date. Due Dote.Send only your payment and the bottom portion of this statement in the envelope provided.Do not send cash. If you pay by check,you If you enroll by phone in our automatic payment service,please fill-in the authorize us to use information on your check to make an electronic fund following blanks below and retain the authorization for your records. transfer from your account at the financial institution indicated on your check Amount: 0 Full Pay 0 Min Pay 0 Min Pay+$ • or to process the payment as a check transaction.If a payment is processed as an electronic fund transfer,the transfer will be for the amount of the 0 Other Amount$ ;Bank Routing#: • check.When we use information from your check to make an electronic fund Bank Account# 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 bock from Monthly on the 0 Payment Due Date 0 Close Date your financial institution. 0 Day of month(insert date) The processing of your payment may be delayed if you send cash, Credit Reporting.We may report information about your Account to credit 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. bureaus.Late payments,missed payments,or other defaults on your Account Payments received in proper form at our processing facility by 5PM local time may be reflected in your credit report.We normally report the status and on any day will be credited to your Account as of that day.Payments received payment history of your Account to credit reporting agencies each month.If at our processing facility after 5PM local time will be credited to your Account you believe that our report is inaccurate or incomplete,please write us of the as of the next day.If you have misplaced your envelope,send your payment following address:Discover,PO Box 15316,Wilmington,DE 19850-5316. to Discover,PO Box 6103,Carol Stream,IL 60197.6103.Please allow 7.10 Please include your name,address,home telephone number and Account days for delivery.If your payment is returned unpaid,we reserve the right to number. resubmit ii as an electronic debit.Payments made online or by phone will be Paying Interest.Your due date is at least 25 days after the close of each credited as of the day of receipt if made by 5PM Eastern time. billing period(at least 23 days for billin g periods that begin in February).We You can pay your monthly Minimum Payment Due,or a greater amount that will not charge you any interest on Purchases if you pay your entire balance does not exceed your current Account balance,over the telephone or you can by the due date each month.We will begin charging interest on Cash setup automatic payments through a customer service representative by Advances and Balance Transfers as of the later of the Transaction Dote or the calling 1-800-347.2683. Automatic payments for the billing period shown first day of the billing period in which the transaction posted to your Account. on your statement will be deducted on the Payment Due Dote shown on that How We Calculate Interest Chor es.We Use the Dail Balance Method statement,or the next automatic payment date referred to on your statement, How We calculateanter transactions)to gas.We the th Doily SBaact Balance Interest et d unless you request a recurring payment dote(e.g.,the 15 day of the month) (including For more information, )loce call calculate us the at Balance Subject that occurs before your Payment Due Dote or Close Date.If your scheduled p 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 Balance Subject to Interest Rate. Your statement shows a Balance Subject schedule monthly payments by telephone,you will need this statement and to Interest Rote. li shows this for each transaction category. The Balance your bank account information.You will be asked to provide the last four(4) Subject to Interest Rate is the average of the daily balances during the billing digits of the social security number of the primary borrower.By providing period. those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each payment you Credit Balances. If your Account has a credit balance,the amount is shown authorize,in the amount selected by you,from your bank account.You also on the front of your billing statement. A credit balance is money that is owed authorize us to initiate debit or credit entries to your bank account,as to you. You may make charges against this amount if your Account is open. applicable,to correct on error in the processing of such payment.You can We will send you a refund of any remaining balance of$1.00 or more after cancel a scheduled payment by phone at 1-800-347-2683 or by mail at 6 months,or as otherwise required by applicable low,or upon request mode Discover,PO Box 30421,Salt Lake City,UT 84130-0421;however,we must to the address in the Contact Us section on page 3 of your billing statement. receive notice at least three business days in advonce of the scheduled Discover may monitor and/or record telephone calls between you and payment.If your payments may vary in amount,we will tell you on each Discover representatives for quality assurance purposes. monthly billing statement.when your payment will be made and how much it will be. The Discover®cord is issued by Discover Bank,Member FDIC. TL23N CHANGE OF ADDRESS If correct on front,do not use.Please print clearly in blue or black ink,in the space provided. Street Address Home Phone Work Phone City Email 3al4ig97 To make changes to your address,email or telephone number,visit Discover.com Continued on next page DISCOVER Discover More Card Account number ending in 7078 • Open Dale:Jan 24,2013-Close Date:Feb 23,2013 Page 3 of 4 - CONTACT US Web ® Mobile 1-800-DISCOVER 0 Discover Mail Payments Access your � Manage your 1-800-DISCOVER Discover Discover account securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Soli Lake City Carol Stream m.Discover.com UT 84130 IL 60197-6103 Transactions Trans.Date Post Date Fees Feb 18 Feb 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 77.75 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 77.75 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 70.00 TOTAL INTEREST CHARGED IN 2013 $ 153.69 Interest Charge Calculation Your Annual Percentage Rate(APR) is the annual interest rate on your account. Current Billing Period:31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 18.99% V $4,819.99 $77.75 Cash Advances 23.99% V $0.00 $0.00 V=Voriable Rate 30145597 NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION NATHAN P BEAHM Account number ending in 7078 Open Date:Jan 24,2013-Close Date:Feb 23,2013 Page 4 of 4 30145597 DISC.VER Discover More Card Account number ending in 7078 Open Date:Feb 24,2013-Close Dote:Mar 23,2013 Cardmember Since 2010 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $4,895.22 New Balance $5,002.04 Payments and Credits - $0.00 Minimum Payment Due* $861.00 Purchases + $0.00 Payment Due Dote April 18,2013 Balance Transfers + $0.00 *Includes past due amount of: $734.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $71.82 date listed above,you may have to pay a late fee of up to$35.00 and your New Balance $5,002.04 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99%variable. See Interest Charge Calculation section following the Minimum Payment Warning:If you make only the minimum payment each Transactions section for detailed APR information period,you will pay more in interest and it will take you longer to pay off your Credit Line $4,800 balance.For example: Credit Line Available $0 S a 2, V ' Cash Advance Credit Line $1,200 fj ry Cash Advance Credit Line Available $0 Onl the minimum.a merit 17 ears $12,098 You may be able to avoid interest on Purchases. If you would like information about credit counseling services,call 1-800-347-1121. See reverse for details. REWARDS Contact Us Discover.com Cashback Bonus® Anniversary Month 1-800-347-2683 December Opening Balance $ 0.00 See"Information For You section for important information New Cashback Bonus This Period +$ 0.00 regarding Your Billing Rights. Redeemed This Period -$ 0.00 Cashback Bonus Balance $ 0.00 To learn more,log in at Discover.com Make Check payable to Discover. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below,detach and return with your payment. N s © � �� r� tr Account number ending in 7078 a : �, � �,., �.:Far*,,,�� ;F ;"�E � � �>�.� ,I ,>�s�„��? , .,`.k�§r�ra „o��',?�; Minimum Payment Due $861.00 11111111 111"11111111111111111111iliii IIiilltIl'IIIIIliIiil11 New Balance $5,002.04 Payment Due Date April 18,2013 NATHAN P BEAHM 5 ''Lil :.VC;'-' Amount enclosed $ 19 ANNETTE DR .riR ENOLA PA 17025-1802 PO BOX 71084 e.CCA CHARLOTTE NC 28272-1084 301415597d lnternel - liilliII' IIII"IIIIIIiiiiiiiiiilliiiilli liliiiiil I' l l lll payments must be received by 5 PM ET to be credited as of the same day. Address,e-mail or telephone changed?Note changes on reverse side. 000001986451021655478050020400083690086100 NATHAN P BEAI-IM Account number ending in 7078 Open Date:Feb 24,2013-Close Dote:Mar 23,2013 Page 2 of 4 Important Information • - You must ensure that sufficient funds are available in your bank account,and See your Cordmember Agreement.Your Card member Agreement contains all transactions must comply with U.S.lawi all the terms ot your Account. . Lost or stolen cards. Report immediately! 1-800-347-2683. You can set automatic payments for:(i)statement New Balance,(ii)statement Pa Y Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed What To Do If You Think You Find A Mistake On Your Statement dollar amount,or(iv)Other dollar amount. If your scheduled"Other dollar If you think there is on error on your statement,write to us at: Discover,PO amount"payment is not enough to cover the Minimum Payment Due as listed Box 30421,Solt Lake City,UT 84130-0421.You must write to us within 60 on your monthly billing statement,your scheduled payment for that month days after the error appeared on your statement. You may call us,but if you will be increased to cover the Minimum Payment Due. If the scheduled do we are not required to investigate any potential errors,and you may have payment is greater than the Minimum Payment Due,any excess will be to pay the amount in question. The Billing Rights Notice further explains your applied in accordance with your Cardmember Agreement.If your scheduled rights. Please see your Cardmember Agreement or visit payment is greater than the New Balance on your billing statement,that https://discover.com/billingrights for a copy of this notice. 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 Payments. You may pay all or part of your Account balance at anytime. billing statement based on credits or payments offer the Close Date. However,you must pay at least the Minimum Payment Due by the Payment Due Date.Send only your payment and the bottom portion of this statement If you enroll by phone in our automatic payment service,please fill-in the in the envelope provided.Do not send cash. If you pay by check,you following blanks below and retain the authorization for your records. authorize us to use information on your check to make an electronic fund Amount: 0 Full Pay 0 Min Pay 0 Min Pay+$ , transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction.If a payment is processed 0 Other Amount$ ; Bonk Routing#: , as an electronic fund transfer,the transfer will be for the amount of the Bank Account# 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 Monthly on the 0 Payment Due Date 0 Close Date day we receive your payment,and you will not receive your check bock from 0 Day of month(insert date) your financial institution. The processing of your payment may be delayed if you send cosh, Credit Reporting.We may report information about your Account to credit correspondence or other items with your payment,if you send the payment to bureaus.Late payments,missed payments,or other defaults on your Account any other address or if you use an envelope other than the one provided. may be reflected in your credit report.We normally report the status and Payments received in proper form at our processing facility by 5PM local time payment history of your Account to credit reporting agencies each month.If on any day will be credited to your Account as of that day.Payments received you believe that our report is inaccurate or incomplete,please write us at the at our processing facility after 5PM local time will be credited to your Account t allowing address:Discover,PO Box 15316,Wilmington,DE 19850-5316. as of the next day.If you have misplaced your envelope,send your payment Please include your name,address,home telephone number and Account to Discover,PO Box 6103,Carol Stream,IL 60197.6103.Please allow 7.10 number. days for delivery.If your payment is returned unpaid,we reserve the right to Paying Interest. Your due date is at least 25 days after the close of each resubmit it as an electronic debit.Payments mode online or by phone will be billing period(at least 23 days for billing periods that begin in February).We credited as of the day of receipt if mode by 5PM Eastern time. will not charge you any interest on Purchases if you pay your entire balance You can pay your monthly Minimum Payment Due,or a greater amount that by the due dote each month.We will begin charging interest on Cash does not exceed your current Account balance,over the telephone or you can Advances and Balance Transfers as of the later of the Transaction Date or the setup automatic payments through a customer service representative by first day of the billing period in which the transaction posted to your Account. calling 1-800-347-2683.Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that How We Calculate Interest Charges. We Use the Daily Balance Method statement,or the next automatic payment date referred to on your statement, (including current transactions)to calculate the Balance Subject to Interest unless you request a recurring payment date(e.g.,the 15th day of the month) Rate. For more information,please call us at 1-800-347-2683. that occurs before your Payment Due Dote or Close Date.If your scheduled payment date falls on a weekend or bank holiday,your payment will be Balance Subject to Interest Rate. Your statement shows a Balance Subject processed the business day prior to the weekend or bank holiday.In order to to Interest Rate. It shows this for each transaction category. The Balance schedule monthly payments by telephone,you will need this statement and Subject to Interest Rate is the average of the daily balances during the billing your bank account information.You will be asked to provide the last four(4) Period. digits of the social security number of the primary borrower.By providing those numbers as your electronic signature,you will be agreeing to this Credit Balances. If your Account has a credit balance,the amount is shown authorization to allow us and your bank to deduct each payment you on the front of your billing statement. A credit balance is money that is owed authorize,in the amount selected by you,from your bank account.You also to you. You may make chorges against this amount if your Account is open. authorize us to initiate debit or credit entries to your bank account,os We will send you a refund of any remaining balance of$1.00 or more after applicable,to correct an error in the processing of such payment.You can 6 months,or os otherwise required by applicable law,or upon request made cancel a scheduled payment by phone at 1-800-347-2683 or by moil at to the address in the Contact Us section on page 3 of your billing statement. Discover,PO Box 30421,Solt Lake City,UT 84130-0421;however,we must Discover may monitor and/or record telephone calls between you and receive notice at least three business days in advance of the scheduled Discover representatives for quality assurance purposes. 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 The Discover®card is issued by Discover Bank,Member FDIC. TL23N will be. CHANGE OF ADDRESS If correct on front,do not use.Please print clearly in blue or black ink,in the space provided. Street Address Home Phone I Work Phone City Email 3js'tavgt97 To make changes to your address, email or telephone number,visit Discover.com Continued on next page • DISCOVER' Discover-More Card Account number ending in 7078 Open Date:Feb 24,2013-Close Date:Mar 23,2013 Page 3 of 4 CONTACT US Web Mobile Phone Inquiry Mail Payments Access your m Manage your 1-800-DISCOVER ® Discover Discover account securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60197-6103 Transactions Trans.Date Post Date Fees Mar 18 Mar 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 71.82 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 71.82 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 105.00 TOTAL INTEREST CHARGED IN 2013 $ 225.51 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:28 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 18.99% V $4,929.77 $71.82 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate Information For You Your Billing Rights:Keep This Document For Future Use This notice teas 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,Sa1t 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 moy call us,but if you do we are not required to investigate any potential errors and you may hove - to pay the amount in question. What Will Happen After We Receive Your Letter _ When we receive your letter,we must do Iwo 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 have 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. 3e t 559igh 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION NATHAN P BEAHM Account number ending in 7078 Open Date:Feb 24,2013-Close Dote:Mar 23,2013 Page 4 of 4 Information For You ... Continued •If we do not believe there was o 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 dote 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 10 days 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 organizations know when the matter has been settled between us. If we do not follow all of the rules above,you do not hove to pay the first$50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to poy the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchose 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 on advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from 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 oll of the criteria above are met and you are still dissatisfied with the purchase,contact us in writing at: Discover PO Box 30945 Salt Lake City,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. 30145597 DISCOVER Discover More Card Account number ending in,7078 Open Date:Mar 24,2013—Close Date:Apr 23,2013 Cardmember Since 2010 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $5,002.04 I New Balance $5,118.36 Payments and Credits — $0.00 Minimum Payment Due* $998.00 Purchases + $0.00 Payment Due Date May 18,2013 Balance Transfers + $0.00 *Includes past due amount of: $861.00 Cash Advances + $0.00 I Fees Charged + $35.00 Late Payment Warning:If we do not receive your minimum payment by the Interest Charged + $81.32 date listed above,you may have to pay a late fee of up to$35.00 and your New Balance $5,118.36 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.99%variable. See Interest Charge Calculation section following the Minimum Payment Warning:If you make only the minimum payment each Transactions section for detailed APR information period,you will pay more in interest and it will take you longer to pay off your Credit Line $4,800 balance.For example: Credit Line Available $0 s - ,g ,#.` Cosh Advance Credit Line $1,200 �*�. . „ yk s ; ' -k Cash Advance Credit Line Available $0 Onl the minimum•a ent 17 -ars $12,141 You may be able to ovoid interest on Purchases. If you would like information about credit counseling services,call 1-800-347-1121. See reverse for details. REWARDS Contact Us Discover.com Cashback Bonus® Anniversary Month l 1-800-347-2683 December 2 Opening Balance $ 0.00 Please make check payable to Discover. You are overlimit. New Coshback Bonus This Period +$ 0.00 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period —$ 0.00 overlimit amount of$318.36. Cashback Bonus Balance $ 0.00 To learn more,log in at Discover.com Make Check payable to Discover. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below,detach and return with your payment. �} -, ;; ' 0 ,. �'� E �� t + Account number ending in 7078 s V .o * x`"� .,.4F4 � Minimum Payment Due $998.00 11 11111 I I I I I I I I l u I l I 1 I l I I I 1 1 I'111 I I I I I I l I l 111111'I I I I 1 I I 1 111 New Balance $5,118.36 Payment Due Date May 18,2013 NATHAN P BEAHM s .'? 19 ANNETTE DR Amount enclosed $ .rt!Y ENOLA PA 17025-1802 PO BOX 71084 CHARLOTTE NC 28272-1084 IiiliIH HIHIIIIIIIIIIIIiwillllllil 1 Iill""illwilmIld 30.145597d Internet payments:must be received by 5PM ET to be credited as of the some day.• - Address,e-mail or telephone changed?Note changes on.reverse side. ., . . 000001986451021655478051183600162500099800 NATHAN P BEAHM Account number ending in 7078 Open Date:Mar 24,2013-Close Date:Apr 23,2013 Page 2 of 4 Important Information You must ensure that sufficient funds are available in your bank account,and See your Cardmember Agreement._Your Cardmember Agreement all transactions must comply with U.S.law. contains oh the terms of your Account. Lost or stolen cards.Report immediately! 1-600-347-2663. You can set automatic payments for:(i)statement New Balance,(ii)statement P y Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed What Tq Do If You Think You Find A Mistake On Your Statement dollar amount,or(iv)Other dollar amount. If your scheduled`Other dollar If you think there is an error on your statement,write to us at: Discover,PO amount"payment is not enough to cover the Minimum Payment Due as listed Box 30421,Salt Lake City,UT 84130-0421.You must write to us within 60 on your monthly billing statement,your scheduled payment for that month days after the error appeared on your statement. You may call us,but if you will be increased to cover the Minimum Payment Due. If the scheduled do we are not required to investigate any potential errors,and you may have payment is greater than the Minimum Payment Due,any excess will be to pay the amount in question. The Billing Rights Notice further explains your applied in accordance with your Cardmember Agreement.If your scheduled rights. Please see your Cardmember Agreement or visit payment is greater than the New Balance on your billing statement,that https://discover.com/billingrights for a copy of this notice. 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 Payments.You may pay all or part of your Account balance at any time. billing statement based on credits or payments after the Close Dote. However,you must pay at least the Minimum Payment Due by the Payment Due Date.Send only, our payment and the bottom portion of this statement If you enroll by phone in our automatic payment service,please fill-in the in the envelope prom Do not send cash. If you pay by check,you following blanks below and retain the authorization for your records. 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 Amount: 0 Full Pay 0 Min Pay 0 Min Pay+$ or to process the payment ps a check transaction.If o payment is processed as an electronic fund transfer,the transfer will be for the amount of the E Other Amount$ ; Bank Routing#: check.When we use informqtion from your check to make an electronic fund Bank Account# 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. Monthly on the 0 Payment Due Date 0 Close Date The processing of your payment may be delayed if you send cash, 0 Day of month(insert date) 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. Credit Reporting.We may report information about your Account to credit Payments received in proper form at our processing facility by 5PM local time bureaus.Late payments,missed payments,or other defaults on your Account on any day will be credited to your Account as of that day.Payments received may be reflected in your credit report.We normally report the status and at our processing facility after 5PM local time will be credited to your Account Payment history of your Account to credit reporting agencies each month.If as of the next day.If you hove misplaced your envelope,send your payment you believe that our report is inaccurate or incomplete,please write us at the to Discover,PO Box 6103,Carol Stream,IL 60197.6103.Please allow 7.10 following address:Discover,PO Box 15316,Wilmington,DE 19850-5316. days for delivery.If your payment is returned unpaid,we reserve the right to Please include your name,address,home telephone number and Account resubmit it as an electronic debit.Payments made online or by phone will be number. credited as of the day of receipt if made by 5 PM Eastern time. Paying Interest.Your due date is at least 25 days after the close of each You can pay your monthly Minimum Payment Due,or a greater amount that billing period (at least 23 days for billing periods that begin in February).We does not exceed your current Account balance,over the telephone or you con will not charge you any interest on Purchases if you pay your entire balance setup automatic payments through a customer service representative by by the due date each month.We will begin charging interest on Cosh calling 1-800-347-2683.Automatic payments for the billing period shown Advances and Balance Transfers as of the later of the Transaction Date or the on your statement will be deducted on the Payment Due Date shown on that first day of the billing period in which the transaction posted to your Account. statement,or the next automatic payment date referred to on your statement, unless you request a recurring payment date(e.g.,the 15'"day of the month) How We Calculate Interest Charges.We Use the Doily Balance Method that occurs before your Payment Due Dote or Close Date.If your scheduled (induding current transactions)to calculate the Balance Subject to Interest payment date falls on a weekend or bank holiday,your payment will be Rate. For more information,please call us at 1-800-347-2683. 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 Balance Subject to Interest Rate. Your statement shows a Balance Subject your bank account information.You will be asked to provide the last four(4) to Interest Rate. It shows this for each transaction category. The Balance digits of the social security number of the primary borrower.By providing Subject to Interest Rate is the average of the doily balances during the billing those numbers as your electronic signature,you will be agreeing to this period. 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 Credit Balances. If your Account has a credit balance,the amount is shown authorize us to initiate debit or credit entries to your bunk account,as on the front of your billing statement. A credit balance is money that is owed applicable,to correct an error in the processing of such payment.You can to you. You may make charges against this amount if your Account is open. cancel a scheduled payment by phone at 1-800-347-2683 or by mail at We will send you a refund of any remaining balance of$1.00 or more after Discover,PO Box 30421,Salt Lake City,UT 84130-0421;however,we must 6 months,or as otherwise required by applicable low,or upon request made receive notice at least three business days in advance of the scheduled to the address in the Contact Us section on page 3 of your billing statement. payment.If your payments may vary in amount,we will tell you on each Discover may monitor and/or record telephone calls between you and monthly billing statement when your payment will be made and how much it Discover representatives for quality assurance purposes. will be. The Discover®card is issued by Discover Bank,Member FDIC. TL23N CHANGE OF ADDRESS If correct on front,do not use.Please print clearly in blue or black ink,in the space provided. Street Address Home Phone I I Work Phone City Email i 3ii4hi897 To make changes to your address, email or telephone number,visit Djscover.com Continued on next page Discover More Card DISCOVER'' Account number ending in 7078 Open Date:Mar 24,2013-Close Date:Apr 23,2013 Page 3of4 CONTACT US 0 Mobile © Phone ® Inquiry 0 Mail Payments Access your Manage your 1-800-DISCOVER Discover Discover account securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere ai TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60197-6103 Transactions Trans.Date Post Date Fees Apr 18 Apr 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 81.32 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 81.32 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 140.00 TOTAL INTEREST CHARGED IN 2013 $ 306.83 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 18.99% V $5,041.27 $81.32 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cordmember Agreement or go to www.discover.com/interestcharges 30145597 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION NATHAN P BEAHM Account number ending in 7078 Open Date:Mar 24,2013-Close Date:Apr 23,2013 Page 4 of 4 • • 30145597 TL23J.1210 DISCOVER' • CARDMEMBER AGREEMENT Thank you for choosing Discovers 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 prided 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 wdl treat the Check as a Purchase,Balance Transferor 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 are decFne 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 We may increase or decrease your Account credit line or your Cash Account balance below your Account ae It line.If you do mot,we Advance credit Gyre without notice.We may delay increasing your may request immediate payment of the amount by which you exceed avalabie credit by the amount of any payment that we receive fur up it We may establish a lower credit line for Cash Advances. to 10 business days. FEES {See your Pricng Schedule for Adohtional Fees) Late Fee If you do not pay the Minimum Payment Due by the Payment Due Otherwise,the fee is$35.This fee will never exceed the Minimum Date,we will charge you a Late Fee.The fee is$25 if you were Payment Due that was due immediately prior to the date on which not charged a Late Fee during any of the prior six billing periods. the fee was assessed. Returned Payment Fee If you make a payment that is not honored by your financial billing periods.Otherwise,the fee is$35.This fee wdl never exceed institution,we will charge you a Returned Payment Fee even if the the Minimum Payment Due that was due immediately prior to the payment is honored after we re-submit it.The fee is$25 if you were date on which the payment was returned to us. not charged a Returned Payment Fee during any of the prior six Returned Check Fee We will charge you a Returned Check Fee each time we dedine to Check Fee during any of the prior six billing periods.Otherwise,the honor a Check.The fee is$25 if you were not charged a Returned fee is$35.This fee will never exceed the amount of the Check. Research Fee We may charge you a Research Fee of$5 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. ExHIBIT ©2010 Discover Bank,Member FDIC 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 include variable APRs.These APRs are on the first day of the billing period that begin during the same determined by adcing the number of percentage points that we calendar month that the Prune Rate changes.An increase in the specify to the Prime Rate.Variable APRs will increase or decrease APR will increase your interest chards and may increase your when the Prime Rate changes.The APR change will take effect Minimum Payment Due, Penalty APR When It Applies Rate that is in effect for the billing period in which you did not Each time that you do not pay the Minimum Payment Due by the pay the Minimum Payment Due by the Payment Due Date. Payment Due Date we may: ,?kaLL �Y4 R.t �, E ; } 5 I} 1 • terminate any promotional APRs on new transactions;and H • increase your APRs for new transactions to Penalty APRs. yyy{{{ � 3 i 0 We will not apply a Penalty APR to Cash Advan � ces. 99 How It Affects Your Account We Will Notify You To determine the variable Penalty APR for a new transaction: We will notify you of the date a Penalty APR will take effect The • We add iv to 5 additional percentage points to the otherwise Penalty APR will only apply to new transactions with a Transaction applicable APR, Date more than 14 days after we provide the notice to you. • We setyour Peary APR based on you aeddwothiness and other We May Reduce It factors.These factors include your current APRs arcl Amount histay. We will review your Account from time to time as required by law • When we first determine the Penalty APR,we use the Prime 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 • We can accept late payments,partial payments or payments funds on deposit in the U.S. marked"payment in full`or with any other restrictive • You must pay us for all amounts due on your Account.This endorsement without losing any of our rights under this inckides charges made by Authorized Users. Agreement • We may refuse to accept a payment in a foreign currency.If we • We credit your payments in accordance with the terms do accept it,we will charge your Account our cost to convert ft contained on your billing statement. to U.S.dollars. • 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 • any Interest Charges and Late Fee shown on your billing at any time Each bklirg period you trust pay at least the Minimum statement,plus$20. Payment Due by the Payment Due Date shown of your(riling The Minimum Payment Due may also indude amounts by which statement The Minimum Payment Due win be any amount past due you exceed your Account credit line.However,it will never exceed plus the greater of the New Balance.When we calculate the Minimum Payment Due, • $40; we may subtract from the New Balance certain fees added to your • 2%of the New Balance shown on you billing statement(plus Account during the billing period.The Minimum Payment Due is $40 if the New Balance includes a Balance Transfer balance);or rounded up to the nearest dollar. How We Apply Payments We apply payments and credits at our discretion,inckrding in a billing period,we wil generally apply amounts you pay that exceed manner most favorable or convenient for us.In all cases,we will the Minimum Payment Due to balances with higher APRs before apply payments and credits as required by applicable law.Each balances with lower APRs as of the date we credit your payment. INTEREST CHARGES How We Calculate Interest We calculate interest charges each billing period by first figuring • We make other adjustments(including those adjustments Charges—Daily Balance the"daffy balance*for each Transaction Category.Transaction required in the"Paying Interest"section). Method(including current Categories include standard Purchases,standard Cash Advances How We Figure Your Total Interest Charges transactions) and different promotional balances,such as Balance Transfers. • We multiply the daily balance for each Transaction Category by How We Figure the Daily Balance for Each Transaction Category its daily periodic rate.We do this for each day n the biting period. • We start with the beginning balance for each day.The This gives us the interest charges for each Transaction Category. beginning balance for the first day of the billing period is your To get a daily periodic rate,we dMde the APR that applies to the balance on the last day of your previous billing period. Transaction Category by 365. • We add any interest charges accrued on the previous day's daily • We add up all the daily interest charges.The sum is the total balance and any new transactions and fees.We add any new interest charge for the billing period. transactions or fees as of the later of the Transaction Date or How We Include Fees the first day of the billing period in which the transaction or fee We add Balance Transfer Fees to the appIcable Balance Transfer posted to your Account. Transaction Category.We add Cash Advance Fees to the •We subtract any new credits and payments. applicable Cash Advance Transaction Category.We add all other fees to the standard Purchase Transaction Category. 2 INTEREST CHARGES Paying Interest When Interest Charges Begin the Payment Due Date shown on that billing statement,we will We begin to impose interest charges on a transaction,fee or not impose interest charges on new Purchases,or any portion of interest charge from the day we add it to the daily balance.We a new Purchase,paid by the Payment Due Date on your current continue to impose interest charges until you pay the total amount billing statement.New Purchases are Purchases that first appear you owe us.You can avoid paying interest on Purchases as on the current billing statement, described below.However,you cannot avoid paying interest on How We Apply Payments May Impact Your Grace Period Balance Transfers or Cash Advances. If you do not pay your New Balance in full each month,then, How to Avoid Paying Interest on Purchases(`Grace Period') depending on the balance to which we apply your payment, If you paid the New Balance on your previous billing statement by you may not get a grace period on new Purchases. OTHER IMPORTANT INFORMATION Default You are in default if • you fail to comply with the terms of this Agreement or any •you file bankruptcy or another insolvency proceeding is filed by Agreement with us or an Affiliate,including failing to make a you or against you; required payment when due,exceeding your Account credit line we have a reasonable belief that you are unable or unwilling to or using your Card or Account for an illegal transaction. repay your obligations to us; If you are in default,we may declare the entire balance of your • you die or are legally declared incompetent or incapacitated; Account immediately due and payable without notice. Collection Costs If we use an attorney to collect your Account,we may charge you our lega 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 You may set up automatic billing with a merchant.If your Account number or Card expiration date changes,you authorize us to provide this Arrangements 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 • how we safeguard its confidentiality and security; annually.Contact us or visit Discover.com if you would like a copy. •when it may be shared with others;and Please read it carefully.It summarizes: • how you can limit our sharing of this irformatio n. • the personal information we collect; Reporting to Credit We may from time to time review your credit,employment and If you believe that information we reported is inaccurate or Reporting Agencies income records.We may report the status and payment history of incomplete,please write us at Discover,PO Box 15316, your Account to credit reporting agencies and other creditors.We Wilmington,DE 19850.5316.Please indude your name,address, normally report to credit reporting agencies each month, home phone number and Account number. Our Communications You agree that our personnel may listen to or record phone calls at your expense)to contact you about your Account orb offer you with You between you and our representatives without additional notice products or services that may be of value to you.If you prefer not to to you including calls we make to collect debts.We may use any be contacted in one or more of these ways,you must either can us medium permitted by law including mail,live telephone calls, at 1-800-DISCOVER(1-800-347-2683)or write to us at Discover, automated telephone equipment,prerecorded telephone calls, PO Box 30961,Salt Lake City,UT 84130.0961.Please include your eemai,text messages and calls to your cell phone(which may be 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 Your • You may cancel your Account.You will remain responsible for both of you will remain responsible for paying all amounts owed. Account any amount you owe us under this Agreement. •We may cancel suspend or not renew your Acwuxrt at anytime •Any joint Accountholder may cancel a joint Account.However, without notice. -3- Purchases and Cash If you make a Purchase or Cash Advance in a foreign currency,we and currency in which the transaction is made.We use the rate Advances in Foreign wiz convert it to U.S.dollars using a rate we choose.This rate Al in effect on the conversion date for the transaction.This rate may Crrrtendes either be a government-mandated rate,a government-pubfshed be different than the rate in effect on the Transaction Date for the rate or the interbank exchange rate,depending on the country 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 stir 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 Arbon 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: When writing,please include your name,address,home phone • by phone at 1-800 DISCOVER(1-800.347.2683)or number and Account number.You must contact us within 15 days • in writing to Discover,PO Box 30943,Salt Lake City,UT after changing your e-mail address,mailing address or phone 84130-0943. number. DEFINITIONS 'Accounts means your Discover card account. 'Pricing Schedule"means the document entitled,'Pricing "Affiliate"means our parent corporations,subsidiaries and Schedule;which lists the APRs that apply to your Account and other affiliates. important information. 'Authorized User"means any person you authorize to use your 'Prime Rate means the highest rate of interest listed as the U.S. Account or a Card,whether you notify us or not. Prime rate in the Money Rates section of The Wa7 Street Journal on °Balance Transfer'means a balance transferred from another the last business day of the month. creditor to yorn Account 'Purchase"means the use of your Account to purchase or lease "Card"means any one or more Discover cards issued to you or goods or services at participating merchants. someone else with your authorization. 'We,'°us°and"our'refer to Discover Bank,the issuer of your 'Cash Advance'means the use of your Account to: Card. •obtain cash from participating automated teller machines, °You;"your"or'yours"refer to you and any other person(s) financial institutions or other locations; who are also contractually liable under this Agreement. • purchase lottery tickets,money orders,casino chips,foreign °Transaction Date'means the date shown on your billing currency or similar items, statement for a transaction or fee. °Check'means any check we send to you to access your Account. ARBITRATION Agreement to arbitrate.If a dispute arises between CLASS ACTION WAIVER.ARBITRATION MUST BE ON Your Right to Go To Small Claims Court.We will not you and us,either may choose to resolve the dispute AN INDIVIDUAL BASIS.THIS MEANS NEITHER YOU choose to arbitrate any claim you bring in small claims by binding arbitration,as described below,instead of NOR WE MAY JOIN OR CONSOLIDATE CLAIMS IN court.However,if such a dairn is transferred,removed in court.Any claim(except for a claim challenging the ARBITRATION BY OR AGAINST OTHER CARDMEMBERS, or appealed to a different court,we may then choose validity or enforceability of this arbitration agreement, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS to arbitrate. including the Class Action Waiver)may be resolved AS A REPRESENTATIVE OR MEMBER OF A CLASS OR Governing Law and Rules.This arbitration agreement by binding arbitration if either side requests it.This IN A PRIVATE ATTORNEY GENERAL CAPACITY. is governed by the Federal Arbitration Act(FAA). includes claims and disputes relating to any other Only a court,and not an arbitrator,shall determine Arbitration must proceed only with the American Account or agreement you have or had with us.THIS the validity and effect of the Class Action Waiver.Even Arbitration Association(AAA)or JAMS.The rules MEANS IF EITHER YOU OR WE CHOOSE ARBITRA- if all parties have opted to litigate a claim in court,you for the arbitration will be those in this arbitration TION,NEITHER PARTY SHALL HAVE THE RIGHT TO or we may elect arbitration with respect to any claim agreement and the procedures of the chosen arbitra- LITIGATE SUCH CLAIM IN COURT OR TO HAVE A made by a new party or any new claims later asserted tion organization,but the rules in this arbitration JURY TRIAL.ALSO DISCOVERY AND APPEAL RIGHTS in that lawsuit. agreement will be followed if there is disagreement ARE LIMITED IN ARBITRATION. -4- ARBITRATION • between the agreement and the organization's A single arbitrator will be appointed.The arbitrator rust: Survival of this Provision.This arbitration provision procedures.If the organization's procedures change •Follow all applicable substantive law,except when shall survive: after the claim is filed,the procedures in effect when contradicted by the FAA; • closing of your Account; the claim was filed will apply.For a copy of each •Follow applicable statutes of limitations; •voluntary payment of your Account or any part of it; organization's procedures,to file a claim or for other Honor valid claims of privilege; • any legal proceedings to collect money you owe; information,please contact: •issue a written decision including the reasons for • any bankruptcy by you;and •AAA at 335 Madison Ave.,Floor 10,New York,NY the award • any sale by us of your Account 10017-5905,wwwth.org(phone 1-800-178-7879)or •JAMS at 620 Eighth Ave,Floor 34,New York,NY The arbitrator's decision will be final and binding You May Have the Right to Reject Arbitration. 10018,www.jamsadr.com(phone 1-800-352-5267). except for any review allowed by the FAA,However, You may reject the Arbitration of Disputes section if more than$100,000 was genuinely in dispute,then but only if we receive from you a written notice If both AM and JAMS are completely unavailable,and either you or we may choose to appeal to a new panel of rejection within 30 days of your receipt of if you and we cannot agree on a substitute,then either of three arbitrators.The appellate panel is completely the Card.You must send the notice of rejection you or we may request that a court appoint a substitute. free to accept or reject the entire original award or any to:Discover,PQ Box 30938,Salt Lake City,UT Fees and Costs.If you wish to begin an arbitration against part of it The appeal must be filed with the arbitration 84130-0938.Your rejection notice must include your us butyou can of afford to pay the organization's or organization not later than 30 days after the original nacre,address,phone number,Account number and arbitrator's costs,we will pay those costs if you ask us in award issues.The appealing party pays all appellate personal signature.No one else may sign the rejection writing.Any request Ike this should be sent to Discover, costs.The appellate panel may order that the loser of notice for you.Your rejection notice also must not PO Box 30421,Salt Lake City,UT 84130-0421.If you the appeal pay the winner's costs and attorneys'fees. be sent with any other correspondence.However,if lose the arbitration,the arbitrator will decide whether Any arbitration award may be enforced(such as you previously had the chance to reject an arbitration you rust reimburse us for money we advanced for you through a judgment)in any court with jurisdiction. agreement with us but did not,you may not reject it for the arbitration.If you win the arbitration,we will now.Rejection of arbitration will not affect your other not ask for reimbursement of money we advanced. Other Beneficiaries of this Provision,In addition rights or responsibilities under will not Affect your or your Additionally,if you win the arbitration,the arbitrator you and us,the rights and duties described in this obligation to arbitrate disputes under any other account may decide that you are entitled to be reimbursed arbitration agreement apply to:our Affiliates and OM which you and we have agreed to arbitrate as to your reasonuble attorneys'fees and costs(if actually and their officers,directors and employees;any third disputes.If you once sent us a rejection notice on a paid by you). party co-defendant of a claim subject to this arbitration different account or card,you must send us a new provision;and al joint Accountholders and Authorized Hearings and Decisions.Arbitration hearings will take Users of your Account(s). rejection notice or else this arbitration agreement will place in the federal judicial district where you live. apply to any disputes with us relating to your other accounts or cards. -5- Your Billing Rights: After we finish our investigation,one of two things will happen: Keep This Document For Future Use • 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. This notice tells you about your rights and our responsibilities under the •If we do not beieve there was a mistake:You will haveto pay the amount in Fair Credit Billing Act. question,along with nimble interest and fey.We win send you a statement What T o Do If You Find A Mistake On Your Statement of the amount you owe and the date payrrent is due.We ma/then report you If you think there is an error on your statement,write to us at: as delinquent if you do not pay the arc o nt we think you owe. Discover If you receive ar explanation but still believe your bill is wrong,you must write to us PO Box 30421 within 10 days telfirg us that you still refuse to pay.If you do so,we cannot report you Salt Lake City,UT 84130-0421. as dehrxtuent without also reporting that you are questioning your bin.We must tell In your letter,give us the following information: you the name of anyone to wham we reported you dei ,and we must let those orgarkations+ Account information:Your name and account number. ��matte��settled between� If we do not follow all of the rules above,you do not have to pay the first$50 of •Dollar amount The dollar amount of the suspected error. the amount you question even if your bill is correct. • Description of problem:If you think there is an error on your bill, Your Rights If You Are Dissatisfied With Your Credit Card Purchases describe what you believe is wrong and why you believe it is a mistake. You must contact us: If y are&satisfied with the goods or services that you have purchased with yourcredit card,at you nonce tried n good forth to correct the problem with the merchant,you may • Within 60 days after the error appeared on your statement. have the right not to pay the renairrng amount due on the purchase. • At least 3 business days before an automated payment is scheduled,if you To use this right,all of the following must be true: want to stop payment on the amount you think is wrong. 1.The purchase must have been made in your home state or within 100 miles You must notify us of any potential errors in writing.You may call us,but if you do of your current mailing address,and the purchase price must have been we are not required to investigate any potential errors and you may have to pay the more than$50.(Note:Neither of these are necessary if your purchase was amount in question. based on an advertisement we mailed to you,or if we own the company What Will Happen After We Receive Your Letter that sold you the goods or services.) When we receive your letter,we must do two things: 2.You must have used your credit card for the purchase.Purchases made 1.Within 30 days of receiving your letter,we must tell you that we received with cash advances from an ATM or with a check that accesses your credit your letter.We will also tell you if we have already corrected the error. card account do not qualify. 2.Within 90 days of receiving your letter,we must either correct the error or 3.You must not yet have fully paid for the purchase. explain to you why we believe the bill is correct. If all of the criteria above are met and you are still dissatisfied with the purchase, While we investigate whether or not there has been an error: contact us in writing at: •We cannot try to collect the amount in question,or report you as Discover delinquent on that amount. PO Box 30945 •The charge in question may remain on your statement,and we may Salt Lake City,UT 84130-0945 continue to charge you interest on that amount, While we investigate,the same rules apply to the disputed amount as discussed above. •While you do not have to pay the amount in question,you are After we finish our investigation,we will tel you err decision.At that point,if we think you responsible for the remainder of your balance. owe an account and you do not pay,' mai reportyou as ire• • We can apply any unpaid amount against your credit limit. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL Diswvere Cardmembers are provided with$500,000 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 stuck by a Scheduled Aircraft SECONDARY RENTAL CAR COLT SION Discover•Cardmembers can benefit from the seariry and safety offered through Excess Collision Damage Waver.If you rent a COVERAGE vehicle for 31 consecutive days or less(or 45 days under certain dram-stances)with your Discover cad,you may be eligble for benefits irder this coverage. 2417 TRAVEL ASSISTANCE 2417 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 2 r day ofiln , 2014 upon the following: Lawrence V. Young, Esquire 135 N. George Street York, Pa 17401 By: ` I illiam T. Mole .r, Esquire PA ID#47437 Weltman,Weinberg&Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30145597 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 13-4508-CIVIL vs. NATHAN P BEAHM, Defendant. ORDER OF COURT AND NOW, to-wit, this day of , 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 $5,118.36 with interest at the rate of 6.00% per annum from date of judgment, and costs. BY THE COURT J. WWR# 30145597 Cp. WW0 3c) S'S-R PRAECIPE FOR LISTING CASE FOR ARGUMENT P (Must be typewritten and submitted in triplicate) rit t TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for text's Argument Court.) cn� CAPTION OF CASE '© y (entire caption must be stated in full) .57 p c {r DISCOVER BANK vs. NATHAN P BEAHM No 13-4508 CIVIL Term 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: William T. Molczan, Esquire, Weltman, Weinberg & Reis, Co. LPA (Name and Address) 436 Seventh Avenue, Suite 1400, Pittsburgh, PA 15219 (b) for defendants: Lawrence V. Young, Esquire, CGA Law Firm (Name and Address) 135 N. George Street, York, PA 17401 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: February 14,2014 /...?.t I Signa 'vJ 1 Molczan ,. Print your name Plaintiff 1 1 03 I I `, ( Attorney for Date: �1 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. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR(not the Prothonotary)after the case is relisted. .e:75 1,,,ctui 0E4 //1/3,9e0 k 300.)v, CERTIFICATE OF SERVICE A true and correct copy of the within Praecipe for Listing Case for Argument was served by U. S. Mail, postage prepaid, this „' day of, I I I (. 2014, upon the following: • Lawrence V. Young, Esquire 135 N. George Street York, Pa 17401 l k By: /.ry Wililam T. Molczan, - quire PAID#47437 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 DISCOVER BANK, Plaintiff 7 I HAY 15 A l Pi: CUMBERLAND COU T" PENNSYLVANIA tr v. NATHAN P. BEAHM, Defendant Comp of Cumberianb IN THE COURT OF COMMON PLEAS OF THE NINTH JUDICIAL DISTRICT 2013 -04508 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE HESS, P.J, MASLAND, and PLACEY, J.J. ORDER OF COURT AND NOW, this ay of May 2014, upon consideration of the Plaintiff's Motion for Summary Judgment, and following argument held on 14 February 2014, Plaintiff's Motion is GRANTED. There are no genuine issues of material fact as to a necessary element of the cause of action or defense; Defendant's failure to respond to Plaintiff's Request for Admissions results in the included facts being deemed admitted pursuant to Pa.R.C.P. 4014(b). Further, it is found that Plaintiff has met the requirements of Pa.R.C.P. 1019(i), as explained in Atlantic Credit and Finance, Inc. v. Guiliana, 829 A.2d 340, 344 -45 (Pa. Super. 2003); Plaintiff has provided a copy of the Cardholder Agreement and a full statement of the account. Therefore, it is found that Plaintiff is entitled to summary judgment as a matter of law. D' tribution ..,liam T. Molczan, awrence V. Young, Esq. e 'rn.w� s isi/V ,b IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff Case No.: 13-4508 CIVIL vs. NATHAN P BEAHM Defendant. TYPE OF PLEADING c 7 c� c-.- PRAECIPE FOR JUDGMEN') N PER ORDER OF COURT r- ry r- 0W FILED ON BEHALF OF: <p Plaintiff CD COUNSEL OF RECORD OF THIS PARTY: William T Molczan, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR # 30145597 $5118.36 • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. NATHAN P BEAHM Defendant. Case No.: 13-4508 CIVIL PRAECIPE FOR JUDGMENT PER ORDER OF COURT TO THE PROTHONOTARY: Kindly enter Judgment against the Defendant, NATHAN P BEAHM, in the amount of $5118.36 computed as follows: Amount Awarded: $5118.36 Interest at the interest rate of 6% From the date of judgment TOTAL: $5118.36 Attached is a copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG & REIS, CO., L.P.A. By: William T Molczan, Es. ire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 Plaintiff's address is: c/o Weltman, Weinberg & Reis, Co., L.P.A., 1400 Koppers Building, 436 7th Avenue, Pittsburgh, PA 15219 And Defendant's address is: 19 ANNETTE DRIVE, ENOLA, PA 17025 DISCOVER BANK, Plaintiff v. NATHAN P. BEAHM, Defendant r 17: F'Rl1THO jtii 2014JlAY 15 AMI 8: 38 CUMBERLAND COURT PENNSYLVANIA Couatp of Cumberlant IN THE COURT OF COMMON PLEAS OF THE NINTH JUDICIAL DISTRICT 2013-04508 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE HESS, P.J, MASLAND, and PLACEY, J.J. ORDER OF COURT AND NOW, this jday of May 2014, upon consideration of the Plaintiff's Motion for Summary Judgment, and following argument held on 14 February 2014, Plaintiff's Motion is GRANTED. There are no genuine issues of material fact as to a necessary element of the cause of action or defense; Defendant's failure to respond to Plaintiffs Request for Admissions results in the included facts being deemed admitted pursuant to Pa.R.C.P. 4014(b). Further, it is found that Plaintiff has met the requirements of Pa.R.C.P. 1019(i), as explained in Atlantic Credit and Finance, Inc. v. Guiliana, 829 A.2d 340, 344-45 (Pa. Super. 2003); Plaintiff has provided a copy of the Cardholder Agreement and a full statement of the account. Therefore, it is found that Plaintiff is entitled to summary judgment as a matter of law. B CUR Distribution William T. Molczan, Esq. Lawrence V. Young, Esq. Thom 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 covered by 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, Esqui PA I.D.#47437 Weltman, Weinberg & s Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#30145597 IN THE COURT OF COMMON PLEAS OF CUMBERLANDCOUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. NATHAN P BEAHM Defendant. NATHAN P BEAHM 19 ANNETTE DRIVE ENOLA, PA 17025 Case No.: 13-4508 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 � a-1 I ILI (xx) Assumpsit Judgment in the amount of $5118.36, 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: PROTHONOTtay0(R D 'UTY) Tfj7 �P riff NUr�p T,� f CLif2014 JUL PE1 Ls1,n4COM r' IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. NATHAN P BEAHM Defendants Civil Action No. 13-4508 CIVIL PRAECIPE TO VACATE JUDGMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: SIR: Kindly vacate the judgment entered in the above case. WELTMAN, WEINBERG & REIS CO., L.P.A. By: Attorney for Plaintiff 2500 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#08101954 adc .1,q .soix1 a t� eLkk tkuu-Y)--aq `a.v=. 3U8coa S IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. NATHAN P BEAHM Defendants No. 13-4508 CIVIL PRAECIPE TO VACATE JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D Urban, Esquire PA I.D. #90963 Weltman, Weinberg & Reis Co., L.P.A. 2500 Koppers Building 436 7th Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#30145597