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HomeMy WebLinkAbout13-6460 COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT� / COMMON PLEAS No. 1 : 3 - V 6 � r;� ` NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. V- r m 1, 3 3 "0 ,,\ IP Q 01 q P. vrr- NAME OF APPELLANT MAG. DIST. N0. NAME OF MDJ �P r A q J C r~ W 11 2 I� 11 A 1 7U ADDRESS F APPELLANT CI Y STATE ZIP CODE Ib to 13 DATE OF J GMENT IN THE CASE OF (Piaintift) (Defendant) ' yam I u to I 3 5C - f r aaN vs ✓' k 14 L DOC T No' OF APPELLANT OR ATTORNEY OR AGENT n r3 —cq c 000I a 5 3 This block will be signed ONLY when this notation is required under Pa. If appellant was Claimant (see Frd R.C.P.D.J. No. 1001(6) in action R.C.P.D.J. No. 10088. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Sc 0".J -4 r Ck ii � �1 Enter rule upon appellee(s), to file a complaint in this appeal 22 / � Name of appellee(s) (Common Pleas No. 1 - J! 4 / fl 0 O Ul f% +) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attorney or agent ��SCaver �av�� RULE: To � �'� ' 1 � appellee(s) Name of appettee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAYBE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. t/ Ai en 20 SignatureofProthono or Deputy YOU MUST INCLUDE'A COPY OF THE NOTICE OF JUDGMENT/TRAI4Sf NOTICE OF APPEAL. AOPC 312-05 MO # 1K6�j `� fl � C � �� �� �~ �V� � F�� COMMONWEALTH OF PENNSYLVANIA Notice of JudgmenVTPanscript Civil COUNTY OF CUMBERLAND = Case Mag. Dist. No: MDJ- 09 -3 -04 Discover Bank MDJ Name: Honorable Paula P. Correal V. Address: 5275 East Trindle Road Erika L Dinger Suite 110 Mechanicsburg, PA 17050 Telephone: 717- 697 -2201 Erika L Dinger Docket No: MJ- 09304 -CV- 0000265 -2013 405 Brook Circle Case Filed: 7/23/2013 Mechanicsburg, PA 17050 Disposition Summary (cc -Cross Complaint) Docket No Plaintiff Defendant Disposition Disposition Date MJ- 09304 -CV- 0000265 -2013 Discover Bank Erika L Dinger Judgment for Plaintiff 10/10/2013 Judgment Summary Participant Joint /Several Liability Individual Liability Amount Discover Bank $0.00 $0.00 $0.00 Erika L Dinger $0.00 $6,021.12 $6,021.12 Judgment Finding ( 'Post Judgment) In the matter of Discover Bank vs. Erika L Dinger on 10/10/2013 the judgment was awarded as follows: Judgment Component JoinVSeveral Liability Individual Liability Deposit Applied Amount Civil Judgment $0.00 $5,867.62 $5,867.62 Filing Fees $0.00 $146.50 $146.50 Costs $0.00 $7.00 $7.00 Grand Total: $6,021.12 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY /CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Date Di / strict J �'�'z's' certify that this is a true and correct copy of the record of the procee ing772Z nt. Date , Magisterial District Judge MDJS 315 Page 1 of 2 Printed: 10/10/2013 10:33:06AM Discover Bank Docket No.: MJ- 09304 -CV- 0000265 -2013 . , Erika L Dinger / - ^ Participant List J Plaintiff(s) G Discover Bank c/o Pressler and Pressler LLP 7 Entin Road Parsippany, NJ 07054 -5020 Defendant(s) / Erika =i Dinger ,._ . �. :. _ -�;�- • .. ,.. �. _ _ .�. 405 Brook Circle Mechanicsburg, PA 17050 Complainant's Attorney(s) Ralph Gulko, Esq. C/O Pressler and Pressler, LLP 7 Entin Road Parsippany, NJ 07054 -5020 I . r I Y 1 Y , MDJS 315 Page 2 of 2 Printed: 10/10/2013 10:33:06AM Court of Common Pleas Discover Bank c/o Pressler and Pressler LLP 7 Entin Road No. MJ- 09304 -cv- 0000265 -2013 Parsippany, NJ 07054 -5020 Erika L Dinger 4601 Chestnut Ave Camp hill, Pa 17011 Filing for appeal for civil court of amount that I owe do to being in a credit program and being charged more while I am in the program to help with my credit situation when I was unemployed. U.S. Postal ServiceT., CERTIFIED MAILTM RECEIPT ul (Domestic Mail Only;No Insurance Coverage Provided ru ( Y 9 Provided) For delivery information visit our website at www.usps.come "`r y � 1", �' z e+r;- * a: air. ' � a cp $0.46 46 0&5 Postage $ ?BO H M 13 AN 14: L 8 b3`1- � ICSg Certified Fee i■705g A ' Postmark ; . i $2 y CUM$E R L A NQ COUNTY Retum Receipt Fee Here 0 (Endorsement Required) 1 - PENNSYLVANIA Restricted Delivery Fee SO. 0 al (Endorsement Required) fU Total Postage&Fees '1 1((It<,/201,3, j ti .,�f/S PS„,---' Sent To a QrttSS\Pc 4 P+t°.ullr LI_ 0 Street,Apt.No.; N or PO Box No. 7 - v ..T RCc t crry,State,ziP+a = APPEAL AND RULE TO FILE COMPLAINT -n4C s'„ ►cn• _scud PS Form 3800.August 2006 See Reverse for Instructions IA YS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF Ec i(c A ,1.4 r ; ss AFFIDAVIT: I hereby(swear) (affirm)that I served I ��0° E a copy of the Notice of Appeal, Common Pleas No. 3,, upon the Magisterial District Judge designated therein on (date of service) \-1.0, 20l , i'.1 by personal service ❑ by(certified)(registered)mail, sender's receipt attached hereto, and upon the appellee, (name) , on II I C61 , 20 13 Eby personal service)►:) by(certified)(registered)mail, sender's receipt attached hereto. (SWO ) AFFIRMED) •'iD SUB RIBED BEFORE ME THIS /37” D• •F A '' 0 / C. Sig a - .'. ici 4.- or- '�'om affidavi��made Signature ofaffrant j f ' v Title ofofficl I , _ _ _ My commission expires on ,20 SENDER: COMPLETE THIS SECTION COMPLETE THIS SECTI('N ON DELIVERY Prothonotary,Cumberland County,Carlisle,PA ■ Complete items 1,2,and 3.Also complete A. Siynatureir��w�; My Commission Expires the First Monday of Ian.2014 item 4 if Restricted Delivery is desired. X �r ❑Agent • Print your name and address on the reverse ', ❑Addressee so that we can return the card to you. B. Receiv-• by(Printed Name) C. Date of Delivery • Attach this card to the back of the mailpiece, or on the front if space permits. e Addressed to: D. Is delivery address different ••• .Ye . 1. Articl ,..- If YES,enter delivery a• -.,al w: A• No 04%Scs-4e r- \O f fell r -4 Ptessles . L1..? o ti� _ v �, o 7 t v\\ R-O4. .■mot,, c PG,s`�,". / NS G7i�s4'Sv4o 3. Service Type C`' DO Certified Mail ❑ m,-,_,--ME( D Registered 0 Retum it ---pt for Merchandise AOPC 312A-05 ❑Insured Mall ❑C.C.D. 4. Restricted Delivery?(Extra Fee) 0 Yes 2. Artiple,N qer 7012 22. 10 0001 03-10 29a-.5- t 1 t 1! {Fr8hsfetWil1€QrvrO,(aoey %z: '_ , - ft. , ii;i ; ,i 1, PS'Fdrin 3811,February'2064 1 1 • I Deritestic Pletiip Receipt 102595-02-M-1540 II !; Pressler & Pressler LLP Attorney for Plaintiff BY.-Francis X. Grimes I.D-# 62404 804 -West Avenue . Jenkintown, PA 19046 f (215) 576-1900 i; i( ,I I DISCOVER BANK COURT OF COMMON P L E A S C/O DB SERVICING CORPORATION CUMBERL-qVD C O U N T Y �j 6500 New Albany Rd. East CIVIL ACTION.-LAW r I New Albany, OH 43054 I Plaintiff i I� vs. -N 0 .13-6460-CI4VI�L �a � i. ERIKA L. DINGER r- i :,:;_mot !; 4601 Chestnut Ave. I Camp Hill ' , PA 17011 -<?' csx CD S j Defendant(s) c i5 :.'' C CIVM ACTION " "NOTICE'' "AVISO" - I ''You have been sued in court. If you wish "Le han demandado a usted en la torte. Si to'defend against the claims set forth in-the fol- _usted quiere defenderse de estas demandas ex- lowing pages,you must take action within twenty puestas en las .p6ginas siguientes, usted. tiene (20) days after this complaint and notice are veinte (20) dias de plazo al partir de la fecha de served, by entering a written appdarance person- la demanda y la notificacion. Hace falta asentar ally or by attorney and filing in writing with the una comparencia escrita o en persona o con un court your defenses or objections to the claims abogado y entregar a la torte en .forma. escrita set forth against you. You are warned that�if you su.s defensas o`sus objeciones a las demandas fail to do so the case may proceed without you en contra de' su persona. Sea avisado. que si and a judgment may be entered against you by. usted no se defiende, la Corte tomara medidas the court without further notice for any money y puede continuar la demanda en contra suya sin claimed in the complaint or for any other claim previo aviso o notificacion. Ademas, la Corte or relief requested by the plaintiff. You may lose puede decidir a favor del demandante y requiere money or property or -other rights important to. que usted cumpla con todas las provisiones de you. esta demanda. Usted puede perder dinero o sus "YOU SHOULD TAKE THIS PAPER TO propiedades u otros derechos importantes para YOUR LAWYER AT ONCE. IF YOU DO NOT usted." HAVE A LAWYER OR CANNOT AFFORD ONE, "LLEVE ESTA DEMANDA A UN ABO- GO TO OR .TELEPHONE THE OFFICE .SET GADO INMEDIATAMENTE. SI NO TIENE ABC-. FORTH BELOW TO FIND OUT WHERE YOU GADO 0 SI NOTIENE ELDINERO SUFICIENTE CAN GET LEGAL HELP. DE PAGAR TAL SERVICIO, VAYA EN PER- SONA 0 LLAME POR TELEFONO A LA OFI- CINA CUY A DIRECCI6N SE ENCUENTRA ESCRITA ABAJO 4RA. AVERIGUAR DONDE SE PUEDE COHSE JIR ASISTENCI:, LEGAL. LAWYER CE SERVICES II ' i PRESSLER and PRESSLER, LLP Attorney for Plaintiff BY: FRANCIS X. GRIMES, ESQUIRE I.D. #62404 File # D164076 804 West Avenue Jenkintown, PA 19046 (215) 576-1900 DISCOVER BANK C/O DB SERVICING CORPORATION COURT OF COMMON PLEAS 6500 New Albany Rd. East CUMBERLAND COUNTY, New Albany, OH 43054 PENNSYLVANIA Plaintiff CIVIL ACTION-LAW No.:13-6460-CIVIL vs. ERIKA L. DINGER 4601 Chestnut Ave. Camp Hill, PA 17011 Defendant(s) CIVIL ACTION COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address c/o DB Servicing Corporation, 6500 New Albany Rd. East New Albany, OH 43054. 2. Plaintiff is engaged in interstate commerce and is subject to various federal laws and federal banking regulations; and, Plaintiff does not conduct business within the Commonwealth of Pennsylvania within the meaning of any statutes and/or regulations pertaining to foreign corporations. 3. Discover Bank is the issuer and owner of the Discover credit cards which are issued to consumers pursuant to an extension of credit agreement with them. 4. DB Servicing Corporation, a wholly owned subsidiary of Discover Bank, is the servicing affiliate for the Discover credit card accounts for Discover Bank. It creates and maintains all of the records in connection with all of the activities and/or transactions regarding the Discover accounts. 5. The Defendant(s), is/are adult individual(s) believed to be residing at the address contained in the above caption. 6. Plaintiff issued a Discover credit card to the Defendant(s), and the Defendant(s) accepted the Discover credit card, so that the Defendant(s) could make purchases or other forms of credit from various merchants who were authorized to accept the credit card from the Defendant(s) in lieu of payment by the Defendant(s) to the merchants. 7. The Defendant(s)received the physical credit card issued by the Plaintiff, together with a Cardmember Agreement(extension of credit agreement), which agreement contains the terms and conditions governing the use of the credit card between the parties hereto. Plaintiff attaches hereto as Exhibit"A" a copy of the Defendant's Cardmember Agreements applicable to the Defendant(s) account. 8. The cardmember agreement is in writing however, is not signed and is not required to be signed by the parties as the cardmember agreement only becomes effective and assented to by the Defendant(s)upon the use of the credit card. See Discover Bank v. Stucka, 2011 PA Super 241 (Pa. Super. Ct., 2011). 9. Thereafter, on sundry and various occasions, the Defendant(s), pursuant to the extension of credit agreement, used the credit card for purchases and/or other forms of credit and maintained a running account, a copy of which was provided to the Defendant(s). Attached hereto as Exhibit "B" is a copy of the Defendant(s) monthly cardmember statement for the period ending September 18, 2010 through period ending May 18, 2013. 10. The Defendant(s) by acceptance and use of the Discover card has assented and ratified the terms and conditions of the Cardmember Agreement/account each and every time they utilized the Discover credit card, as well as by continuing to make payments to the Plaintiff after receiving monthly statements summarizing the activities and/or transactions on the account. 11. The Defendant(s) by use and conduct with the Discover Card have impliedly represented to the credit card issuer that the Defendant(s) had the ability and the intention to pay for the use of the Discover credit card. 12. The Defendant(s) have not disputed any of the charges in writing within sixty (60) days of receipt of the monthly cardmember statements as required pursuant to the Fair Credit Billing Act("FCBA"), an amendment to the Truth In Lending Act("TILA"), 15 U.S.C. § 1601. 13. Plaintiff believes, and therefore avers, that the Defendant(s) last payment in regard to their Discover obligation was processed on or about October 14, 2012 and as a result thereof, the Defendant(s) is in breach of their obligation to the Plaintiff; and as a further result thereof,the obligation of the Defendant(s)to satisfy the entire balance in regard to the credit card account became accelerated. 14. The outstanding balance which was due on the credit account as of May 31, 2013, was $5,867.62; and, although repeated requests and demands have been made upon the Defendant(s) by the Plaintiff to satisfy the balance, the Defendant(s) is still in breach of its obligation on the account and have failed to repay the account balance and debt due the Plaintiff. COUNT I -BREACH OF CONTRACT 15. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 16. In addition to the balance on the account as indicated above, the Plaintiff may incur additional damages for accrued interest, costs and request payment of the same by the Defendant(s)pursuant to the terms of the Cardmember Agreement and/or applicable law. 17. Plaintiff, through its counsel's investigation, has determined that the Defendant(s) is/are not in the military service. 18. THIS COMMUNICATION OF PLAINTIFFS COUNSEL IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Erika L. Dinger, in the sum of$5,867.62, plus costs in accordance with law. COUNT II -ACCOUNT STATED 19. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 20. The Defendant(s) has/have, by their use of the credit card, impliedly assented to the terms and conditions of the account and is/are now in breach of the account for their failure to pay the outstanding balance due and owing. 21. The Plaintiff mailed to the Defendant(s) monthly account statements when the Defendant opened their account on October 3, 2004 and continued to mail monthly statements reflecting account activity, and therefore, an account was stated by virtue of the Defendant's receipt and acceptance of those monthly statements, Defendant's making many minimum monthly payments pursuant to the statements, the Defendant's continued use of the credit account and other payments and Defendant's acceptance of the monthly statements received. 22. By virtue of the Plaintiff s ongoing rendering an account, the Defendant(s)receipt, acceptance and payments thereon of Plaintiff s rendering an account, the Defendant(s) has/have assented to the correctness of the account. 23. By virtue of the Defendant's failure to dispute any charges in writing,pursuant to Federal Law as hereinbefore described, reflected on the monthly statements provided to the Defendant(s), the Defendant(s) has/have accepted and agreed to the correctness of the account. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Erika L. Dinger, in an amount less than the Court's Arbitration limits,plus costs in accordance with law. COUNT III - UNJUST ENRICHMENT 24. Plaintiff incorporates by reference, all of the foregoing averments of this Civil Action Complaint, as though the same were more fully set forth in length herein. 25. Defendant(s), by the use of the Discover credit card account and the extension of credit, received the benefit of the same which was given on the said credit account and has/have failed to make payment for the receipt of the said benefit. 26. As a direct result of the receipt of the benefit of the extension of credit understanding as above, the Defendant(s) has/have been unjustly enriched in an amount less than the Court's arbitration limit, to Plaintiffs detriment. WHEREFORE, Plaintiff, Discover Bank, demands Judgment against the Defendant(s), Erika L. Dinger, in an amount less than the Court's Arbitration limits, plus costs in accordance with law. f i �i DATE: ( / FRANCIS X. GRIMES, ESQUIRE Attorney for Plaintiff VERIFICATION 1, JAMES BALL, hereby state that I hold the position of Litigation Support Manager with DB Servicing Corporation, and that I am authorized to take this Verification on behalf of Discover Bank and DB Servicing Corporation,the servicing affiliate of Discover Bank. I certify that Discover Bank is the issuer and owner of the credit card obligation(s) of Erika L. Dinger, (card number 3256) and that the balance owed as of May 31,.2013 was $5,867.62. The Plaintiff lacks sufficient knowledge or information to execute this verification, however,I have sufficient knowledge and information in my position as Litigation Support Manager with DB Servicing Corporation which is a subsidiary of Plaintiff and is the servicing affiliate of Discover Bank and which creates and maintains the business records for Discover Bank. THAT,in my capacity as Litigation Support Manager, I have access to records regarding the Discover Card account of the above referenced Defendant(s), and.further,that I have personally inspected said account and statements.regarding the balance due on said account. DB Servicing Corporation maintains these records in the ordinary course of business. To the extent any pleading is believed to aver inconsistent facts, specifically a cause of action for breach of contract and a cause of action for unjust enrichment,i have been unable after reasonable investigation to ascertain.which of the inconsistent facts are true,but I have knowledge or information sufficient to form a belief that one of them is true. The undersigned verifies that the facts contained in the within pleading are true and correct to the best of his knowledge,information and belief and understands that the statements therein are made subject to the penalties of 18 Pa..C..S..A. 4904 relating to unsworn falsification to authorities. Date: AMES BAL TL23J.1210 DISCOVER CARDMEMBER AGREEMENT Thank you for choosing Discover°card.This Agreement explains the current terms and conditions of your Account.The enclosed Pricing Schedule is part of this Agreement.Please read this Agreement,including the Pricing Schedule,carefully.Keep them for your records.Contact us if you have any questions.We have included a"Definitions"section for your reference on page 4. ACCEPTANCE OF AGREEMENT You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card.You also accept this Agreement if you or an Authorized User use the Account.You may,however,reject the"Arbitration of Disputes'section as explained in that section. CHANGES TO YOUR AGREEMENT The rates,fees and terms of this Agreement may change from time to time.We may add or delete any term to this Agreement.If required by law,we will give you advance written notice of the change(s)and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law. USING YOUR ACCOUNT Permitted Uses You may use your Account for Purchases,Balance Transfers and Cash Advances.You may not use it for illegal transactions. Authorized Users You may request additional Cards for Authorized Users.You must notify us if you wish to cancel the authority of an Authorized User to use your Account. Joint Accounts If your Account is a joint Account: • each of you agrees to be liable individually and jointly for the entire amount owed on the Account;and • any notice we mail to an address provided by either of you for the Account will serve as notice to both of you. Checks If we provide you with Checks,we will tell you whether we will treat the Check as a Purchase,Balance Transfer or Cash Advance.You may not use these Checks to pay any amount you owe us. Credit Authorizations We may not authorize a transaction for security or other reasons.We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card,Check or Account number. Credit Lines We will tell you what your Account credit line is.You must keep your We may increase or decrease your Account credit line or your Cash Account balance below your Account credit line.If you do not,we Advance credit line without notice.We may delay increasing your may request immediate payment of the amount by which you exceed available credit by the amount of any payment that we receive for up it.We may establish a lower credit line for Cash Advances. to 10 business days. FEES (See your Pricing Schedule for Additional 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 will 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 decline 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. -1 - ©2010 Discover Bank,Member FDIC ANNUAL PERCEN TAG E 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 begins during the same determined by adding the number of percentage points that we calendar month that the Prime Rate changes.An increase in the specify to the Prime Rate.Variable APRs will increase or decrease APR will increase your interest charges 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: EXAMPLE:Assume the promotional rate for Purchases is 2.99% • terminate any promotional APRs on new transactions;and and the standard rate for Purchases is 15.99%.If you pay late, • increase your APRs for new transactions to Penalty APRs. the rate for all new Purchases could increase up to a variable rate We will not apply a Penalty APR to Cash Advances. of 20.99%. 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 up 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 set your Penalty APR based on your creditworthiness and other We May Reduce It factors.These factors include your current APRs and Account history. 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 includes 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 it 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 billing period you must pay at least the Minimum statement,plus$20. Payment Due by the Payment Due Date shown on your billing The Minimum Payment Due may also include amounts by which statement.The Minimum Payment Due will 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 your 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,including in a billing period,we will 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 requireo 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"daily 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 in the billing 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 divide 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 applicable 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 legal costs as permitted by law.These include reasonable attorneys' fees,court or other collection costs,and fees and costs of any appeal. Merchant Disputes If you have a dispute with a merchant,you may request a credit to your Account.If we resolve the dispute in your favor,we will issue a credit to your Account.You assign to us your claim for the credited amount against the merchant and/or any third party.At our request,you agree to provide this assignment in writing. Automatic Billing 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 Discoveccom 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 information. • 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 include 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 or to 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 call 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,LIT 84130-0961.Please include your e-mail,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 Account at any time • 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 will convert it to U.S.dollars using a rate we choose.This rate will in effect on the conversion date for the transaction.This rate may Currencies either be a government-mandated rate,a government-published 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 still remain in effect.However,if the Class Action Waiver in the "Arbitration of Disputes"section is invalidated in any proceeding in which you and we are involved,then the"Arbitration of Disputes'section will be void with respect to that proceeding. Enforcing this Agreement We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Assignment of Account We may sell,assign or transfer your Account or any portion of it without notice to you.You may not sell,assign or transfer your Account without first obtaining our prior written consent. CONTACT US Unless we tell you otherwise,you can notify us: 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 "Account"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 Wall Street Journal on "Balance Transfer"means a balance transferred from another the las:business day of the month. creditor to your 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 claim 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 must: 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: •AAA at 335 Madison Ave.,floor 10,New York,NY •issue a written decision including the reasons for • any bankruptcy by you;and 10017-5905,www.adr.org(phone 1-800-778-7879)or the award. • any sale by us of your Account. •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.jamsadf.com(phone 1-800-352-5267), except for any review allowed by the FAA.However, You may reject the Arbitration of Disputes section If both AAA and JAMS are completely unavailable,and if more than$100,000 was genuinely in dispute,then but only if we receive from you a written notice p y 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,PO 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 but you cannot afford to pay the organization's or organization not later than 30 days after the original name,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 like 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 must 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.cr addition rights or responsibilities under this Agreement or your Additionally,if you win the arbitration,the arbitrator to 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 our as to which you and we have agreed to arbitrate our reasonable attorneys'fees and costs(If actual) and their officers,directors and employees;any third y g y y y party co-defendant of a claim subject to this arbitration disputes.If you once sent us a rejection notice on a paid by you). different account or card, ou must send us a new provision;and all joint Accountholders and Authorized y 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 believe there was a mistake:You will have to pay the amount in Fair Credit Billing Act. question,along with applicable interest and fees.We will send you a statement What To Do If You Find A Mistake On Your Statement of the amount you owe and the date payment is due.We may 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 amount we think you owe. Discover If you receive our explanation but still believe your bill is wrong,you must write to us PO Box 30421 within 10 days telling us that you still refuse to pay.If you do so,we cannot report you Salt Lake City,UT 84130.0421, as delinquent without also reporting that you are questioning your bill.We must tell In your letter,give us the following information: 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. • Account information:Your name and account number. 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. Ifyou are dissatisfied with the goods or services that you have purchased with your credit You must contact us: card,and you have tried in good faith 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 remaining 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 writin .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 writin 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 tell you our decision.At that point,if we think you responsible for the remainder of your balance. owe an amount and you do not pay,we may report you as delinquent. • We can apply any unpaid amount against your credit limit. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL Discover'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 struck by a Scheduled Aircraft. SECONDARY RENTAL CAR COLLISION Discover'Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver.If you rent a COVERAGE vehicle for 31 consecutive days or less(or 45 days under certain circumstances)with your Discover card,you may be eligible for benefits under 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- New Balance Minimum Payment Due Account Number ending in 3256 $136.46 $40.00 Enter Amount Enclosed Below Payment Due Date October 13,2010 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267001364600000000004000 Opening Date: August 19,2010- Closing Date: September 18,2010 page 1 of 3 Discover Miles Card Account Summary Payment Information New Balance $136.46 Minimum Payment Due $40.00 Account number ending in 3256 Payment Due Date October 13,2010 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 + 136.46 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 17.99%variable. Interest Charged + 0.00 Fees Charged + 0.00 New Balance $136.46 Manage Your Account Online at www.Discover.com See Interest Charge Calculation section following Securely access statements and free online tools,pay bills transactions for detailed APR information online and track and view all transactions simply and easily Credit Line $4,300 Make your money worth moreSM—find easy ways to earn Credit Line Available $4,163 and redeem cash rewards Cash Advance Credit Line $2,200.00 NEWT Access your account securely through your Cash Advance Credit Line Available $2,200.00 mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com Miles by Discover® Anniversary Month 2. Call 1-800-DISCOVER(1-800.347-2683) October Please have your Discover®card available. Opening Miles Balance 79 3. Write to us at Discover,PO Box 30943, New Miles Earned + 136 Salt Lake City,UT 84130(Not a payment address) Miles Balance 215 For payments,please send to address on remittance or Discover,PO Box 6103,Carol Stream,IL 60197.6103 To learn more,log in at www.Discowr.com For TDD(Telecommunications Device for the DeaQ assistance,please call 1.800.347-7449. Transactions Trans. Post Dab Date Merchandise Sep 10 Sep 10 HOTTOPIC.COM 800.892-8674 CA $ 14.93 W54523870001 Services Aug 29 Aug 29 PAYPAL"NAHUM2006 4029357733 CA 8.14 Aug 31 Aug 31 PAYPAL'SAOWAKONPAI 4029357733 CA 28.48 Department Store Aug 27 Aug 27 BOSCOVS DEPARTMENT STORE LAURELDALE PA 84.91 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 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 Discovercom/paperless 02010 Discover Bank,Member FDIC PAPER.0310 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to ERIKA L DINGIER DISCOVER Account number ending in 3256 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $0 $0 Cash Advances 23.99% V $0 $0 V=Variable Rate Addifional 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 84130-042 1. In your letter,give us the following information: Account information:Your name and account number. Dollar amount:The dollar amount of the suspected error. Descri tion of Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a misto and You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors innwwnfimn . 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 some rules apply to the disputed amount as discussed above. Aker we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at 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 ro make an elect ronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ant 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 sand the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form of our processing Facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility offer SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 97-6 1 03. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig(if to resubmit if as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g.,the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weeken r bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepPhone you will need this statement and your bank account information. You will be asked to provide the last four(4Tdigits 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 crediit 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 co 1.800.347-2683 or by mail at Discover,PO Box 30421,Salt Lake City,UT 84130.0421;however we must receive notice of least three business days in advance of the scheduled payment. If your payments may vary in 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 pa ent is greater than the New Balance on your billing statement,that payment will be rocessed 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 ou believe that our report is inaccurate or incomplete,please write us at the following address: Discover,PO Box 15316,Wilmington,DE 19850-5316. Please indicate your name,address, home telephone number and Account number. Paying Interest:We begin to impose Interest Charges on all transactions from the Transaction Date For the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire-New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose Interest Charges on new purchases, that is,purchases first appearing on the current billing statement,or anX portion o a new purchase,paid by the Payment Due Date on your current billing statement. We call this the"grace period. It is not less than 25 days. There is no grace eriod on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled"How We Apply Payments,"we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that i 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,if will be billed at the be�inning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is bi led. The annual fee is not refundable unless notify notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Cekulato Interest Charges-Daily Balance Method(including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms(for example,standard purchases,standard cash advances and each purchase,balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the"daily balance"for each transaction category. To get the"daily balance"we take the beginning balance for each day,add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments(including those adjustments required in the section titled"Paying Interest"). In calculating the daily balance for the first day of the Wring period,we consider the"previous day's daily balance"to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs,in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD ffelecommunkations Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC OtTBKt72 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683 . Information For You When making payments,please send a check with your payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or late payments,as it can take additional time to process and credit cash payments and payments sent to a different address. The Additional Important Information section on your statement provides specific details. ca�' _a �� ( _ 3 RMATION DISCOVER Questions? Visit www.Discover.com or ��$CiUER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $262.75 $40.00 Enter Amount Enclosed Below Payment Due Date November 13,2010 Pay online at www.Discover.com or make check payable to Discover. Phone and internst payments must be made by 5:00pm ET for same day posting. ERIKA l DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267002627500000000004000 Opening Date: September 19,2010- Closing Date: October 18,2010 page 1 of 3 Discover Miles Card Account Summary Payment Information New Balance $262.75 Minimum Payment Due $40.00 Account number ending in 3256 Payment Due Date November 13,2010 Previous Balance $136.46 Late Payment Warning:If we do not receive your minimum Payments And Credits 80.00 payment by the date listed above,you may have to pay a late Purchases + 204.22 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 17.99%variable. Interest Charged + 2.07 Fees Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $262.75 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 you m e tw You wtlf+ " ff the:; An your vt and $4300 as dttxsnai eEtnrges balance shown oa u} payt»g nn Credit Line tag thts card and :thts tdt8tnettt to esttmntedtatal of Credit Line Available $4,,037 monthY ::ou bout Cash Advance Credit Line $2,200.00 .k: Cash Advance Credit Line Available $2,200.00 Only the minimum 7 months $274 payment Miles b Discover If you would like information about credit counseling services, y Anniversary Month call 1-800-3,47-1121. October Opening Miles Balance 215 New Miles Earned + 204 Miles Balance 420 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 day 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 morest 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 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deal) mobile phone assistance,please call 1-800.347.7449. Transactions Trans. Post Date Dab Payments and Credits Oct 10 Oct 10 INTERNET PAYMENT-THANK YOU $ -80.00 Merchandise Oct 13 Oct 13 DREAM PRODUCTS INC CHATSWORTH CA $ 19.94 Services Sep 22 Sep 22 PAYPAL*DR GREGORY 4029357733 CA 19.99 Sep 26 Sep 26 PAYPAL*OUTDOORCLOT 4029357733 CA 27.58 Sep 27 Sep 27 PAYPAL*SQUARETRADE 4029357733 CA 14.41 Sep 28 Sep 28 PAYPAL*OUTDOORCLOT 4029357733 CA 27.58 Sep 29 Sep 29 PAYPAL*NYNELECTRON 4029357733 CA 91.00 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/papedess ®2010 Discover Bank,Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Dab Services Sep 29 Sep 29 PAYPAL•SaUARETRADE 402-935-7733 CA 3.72 5F3222A5PKHMA Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest Charged INTEREST CHARGE ON PURCHASES $ 2.07 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 2.07 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 2.07 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It P%n to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $193.39 $2.07 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional hnportant 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,Sah Lake City,UT 84130-0421. In your letter,give us the following information: Account information:Your name and account number. Dollar amount:The dollar amount of the suspected error. Descri tion of Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe Nis a mists ce. You must contact us within 60 days offer the error appeared on your statement. You must notify us of any potential errors in wn�tin . You may call us,but if you do we are not required to investigate any m 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 7ghts 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 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 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. Aker we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance of anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as 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 m proper Form at our processing Facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facty aker 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 yarol Stream,IL 60197 6103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig to resubmit it as on electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g. the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepPhone 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 pa ment you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as aplicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.8p00.347.2683 or by mail at Discover PO Box 30421,Salt Lake City,UT 84130-0,42 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be 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 pa ent 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 ou believe that our report is inaccurate or incomplete,please write us at the following address: Discover,PO Box 15316,Wilmington,DE 19850-5316. Please indicate your name,address, home telephone number and Account number. Paying Interest:We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by makin payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due late 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 anX portion of a new ppurchase,Paid by the Payment Due Date on your current billing statement. We call this the"grace period. It is not less than 25 days. There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled"How We Apply Payments,"we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement,then,depending on the amount of your payment and the APRs on other balances,you may not get a grace period on new purchases. Annual Fee.If your Account has an annual fee,it will be billed at the be inning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual Fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the Fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms(for example,standard purchases,standard cash advances and each purchase,balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the"daily balance"for each transaction category. To get the"daily balance"we take the beginning balance for each day,add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments(including those adjustments required in the section titled"Paying Interest"). In calculating the Baily balance for the first day of the billing period,we consider the"previous day's daily balance"to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs,in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For MD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC OITBK172 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER Information For You When making payments,please send a check with your payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or late payments,as it can take additional time to process and credit cash payments and payments sent to a different address. The Additional Important Information section on your statement provides specific details. C9i I a v� j RMATION DISCOVER Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER(1-800-347-2683 . New Balance Minimum Payment Due Account Number ending in 3256 $566.14 $40.00 Enter Amount Enclosed Below Payment Due Date December 13,2010 Pay online at www.Discover.com or make check payable to Discover. Phone and internst payments must be made by 5:00pm ET for same day posting. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 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. 000001986623613261267005661400000000004000 Opening Date: October 19,2010- Closing Date: November 18,2010 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $566.14 Minimum Payment Due $40.00 Account number ending in 3256 Payment Due Date December 13,2010 Previous Balance $262.75 Late Payment Warning:If we do not receive your minimum Payments And Credits 262.75 payment by the date listed above,you may have to pay a late Purchases + 566.14 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 17.99%variable. Interest Charged + 0.00 Fees Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $566.14 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 j au m e<tro �tiavtaf elrnrges .:Yboau[prtrde phoywn ffws e And y0i 4vl.enilr M pays»g nn Credit line $4,300 snag thrs card and tlttS btptBitt6ttt to `. ..... tecl total Credit Line Available $3,733 6c:K month. ou 464Vf Y.. paY 5: Cash Advance Credit Line $2,200.00 Cash Advance Credit Line Available $2,200.00 Only the minimum 16 months $617 payment Milesb Discovers If you would like information about credit counseling services, Y Anniversary Month call 1-800.347-1121. October Opening Miles Balance 420 New Miles Earned + 566 Miles Balance 986 To learn more,log in at wwwMiscover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com I. 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 NEW!Access your account securely through your For TDD(Telecommunications Device for the DeoQ mobile phone assistance,please call 1.800-347-7449. Transactions Trans. Post Date Date Payments and Credits Nov 1 Nov 1 INTERNET PAYMENT-THANK YOU $ -262.75 Merchandise Nov 1 Nov 1 HERSHEY'S CHOC WORLD HERSHEY PA $ 56.90 Nov 1 Nov 1 LANE BRYANT MECHANICSBURGPA 80.00 Nov 1 Nov 1 ROSS DRESS FOR LESS H PA 332.61 Nov 1 Nov 1 SALLY BEAUTY SUPPLY-US HARRISBURG PA 96.63 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 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 downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discover.com/paperless 02010 Discover Bank,Member FDIC PAPER.0310 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 2.07 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $0 $0 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information. See your Cordmember 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 84130-042 1. In your letter,give us the following information: Account information:Your name and account number. Dollar amount:The dollar amount of the suspected error. Descri tion of Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mists ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writin . You may call us,but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error,the following are true: We cannot try to collect the amount in question,or report you as delinquent on that amount. The charge in question may remain on your statement,and we may continue to charge you interest on that amount. But,if we determine that we made a mistake,you will not 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 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 anytime. However,you must pay of least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope Provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If 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 SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processmg facility after SPM local time will be credited fo your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 97-6 1 03 Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa err date(e. the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone 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 84 1 3 0-042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be 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 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 Paya , 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 ou believe that our report is inaccurate or incomplete,please write us at the following address: Discover,PO Box 15316,Wilmington,DE 19850.5316. Please indicate your name,address, home telephone number and Account number. Paying Interest:We begin to impose Interest Charges on all transactions From the Transaction Date For the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by makin&3 payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due to 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 ppurchase,Paid by the Payment Due Date on your current billing statement. We call this ffie"grace period. It is not less than 25 days. There is no Orate period on balance transfers or cash advances. As more fully described m 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 �Ilmg statement by the Payment Due Date shown on that billing statement,then,depending on the amount of your payment and the APRs on other balances,you may not get a grace period on new purchases. Annual Fee.If your Account has an annual fee,it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges-Davy 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 bil�ing period,we consider the"previous day's daily balance"to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs,in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more aker 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(ID card is issued by Discover Bank,Member FDIC OITBK172 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $1,765.45 $40.00 Enter Amount Enclosed Below Payment Due Date January 13,2011 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267017654500000000004000 Opening Date: November 19,2010- Closing Date: December 18,2010 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $1,765.45 Minimum Payment Due $40.00 Account number ending in 3256 Payment Due Date January 13,2011 Previous Balance $566.14 Late Payment Warning:If we do not receive your minimum Payments And Credits - 250.00 payment by the date listed above,you may have to pay a late Purchases + 1,439.29 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 17.99%variable. Interest Charged + 10.02 Fees Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $1,765.45 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;yQit>mpk8fio .,: Yau Wrll ff And yt5tr will end ddmonaf charges -: he balattCe sb�wrt ap pnymg.an Credit Line $4,300 1 #hts Card and Ctk flits bfptetnt#tt estflnaW tolvl of Credit Line Available $2,534 arbh tout. . Cash Advance Credit Line $2,200.00 Cash Advance Credit Line Available $2,200.00 Only the minimum 5 years $2,413 payment $2,141 Miles by Discover* Anniversary Month $59 3 years (Savings=$272) October Opening Miles Balance 986 If you would like information about credit counseling services, New Miles Earned + 1,456 call 1-800-347-1121. Miles Balance 2,443 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 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 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 11 Dec 11 INTERNET PAYMENT-THANK YOU $ -250.00 Merchandise Nov 19 Nov 19 KMART MECHANICSBURGPA $ 18.26 Nov 19 Nov 19 WAL-MART SC-#1886 MECHANICSBURGPA 108.44 Nov 23 Nov 23 TARGET MECHANICSBURGPA 112.86 Dec 3 Dec 3 PETSMART INC 583 MECHANICSBURGPA 38.08 0583593010201052605692 Dec b Dec 6 TARGET MECHANICSBURGPA 42.28 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 Transactions Trans. Post (cunt.) Date Date Merchandise Dec 6 Dec 6 WAL-MART SC-#3412 ELIZABETHVILLPA 67.04 Dec 8 Dec 8 PETSMART INC 583 MECHANICSBURGPA 41.23 0583761210201050825851 Dec 9 Dec 9 TM*AVENGED SEVENFOLD 800-653.8000 NY 150.05 PH15CF 1 F28-40833 Dec 9 Dec 9 WALMART.COM WALMART.COM AR 255.40 349527424X7DU Dec 13 Dec 13 KMART HARRISBURG PA 159.94 Dec 14 Dec 14 WAL-MART SC-#2888 PALMYRA PA 126.74 Dec 14 Dec 14 WAL-MART SC-#2888 PALMYRA PA 29.68 Restaurants Dec 6 Dec 6 DYNASTY I CAMP HILL PA 17.49 Gasoline Dec 6 Dec 6 EXXONMOBIL TOWER CITY PA 25.00 Dec 7 Dec 7 TURKEY HILL#0215 G69 EASTON PA 28.57 Services Dec 6 Dec 6 PAYPAL*DR INC USD TREN 4029357733 CA 57.90 Dec 6 Dec 6 SMARTSTYLE 9116834491 MECHANICSBURGPA 15.50 Supermarkets Dec 1 Dec 1 GIANT FOOD#269 CAMP HILL PA 80.73 010080 Dec 15 Dec 15 SHADY MAPLE INC EAST EARL PA 64.10 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest Charged INTEREST CHARGE ON PURCHASES $ 10.02 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 10.02 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 E 0.00 TOTAL INTEREST CHARGED IN 2010 12.09 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $938.75 $10.02 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84130.0421. In your letter,give us the following information: Account information:Your name and account number. Dollar amount:The dollar amount of the suspected error. Descri Lion of Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe if is a mists ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wi'tin . 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 hied in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary 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 writin at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at anytime. However,you must pay at least the Minimum Payment Due by the Payment Due 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 m proper form at our processing Facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing faality after SPM local time will be credited to YYour Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 601 97 61 03. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�it fo resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.2.,the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weeken r bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepPhone,you will need this statement and your bank account information. You will be asked to provide the last four(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 pa ment you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as 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 of Discover,PO Box 30421,Salt Lake City,UT 84130-0,421;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 fell you on each monthly billing statement when your payment will be made and how much if 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 1s reater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If your scheduled pa ent 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 ou believe that our report is inaccurate or incomplete,please write us at the following address: Discover,PO Box 15316,Wilmington,DE 19850-5316. Please indicate your name,address, home telephone number and Account number. Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Date For the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entireNew 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 imrse Interest Charges on new purchases, that is,purchases first appearing on the current billing statement,or any portion o a new ppurchase,paid by the Payment Due Date on your current billing statement. We call this ffie"grace period. It is not less than 25 dayys. There is no grace Period on balance transfers or cash advances. As more Fully described in the section of your Cardmember Agreement titled"How We Apply Payments,"we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that i you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement,then,depending on the amount of your payment and the APRs on other balances,you may not get a grace period on new purchases. Annual fee.If your Account has an annual fee,it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the Fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms(for example,standard purchases,standard 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 daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges For each transaction category for each day during that billing period. When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs,in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You ma make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$Im%O 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 OITBK172 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 3256 $2,902.29 $59.00 Enter Amount Enclosed Below Payment Due Date February 13,2011 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267029022900000000005900 Opening Date: December 19,2010- Closing Date: January 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $2,902.29 Minimum Payment Due $59.00 Account number ending in 3256 Payment Due Date February 13,2011 Previous Balance $1,765.45 fate Payment Warning:If we do not receive your minimum Payments And Credits 200.00 payment by the date listed above,you may have to pay a late Purchases + 1,308.67 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 17.99%variable. Interest Charged + 28.17 Fees Charged + 0.00 Minimum Payment Warning:If you make only the minimum New Balance $2,902.29 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 ;.;yOU make n4 You wFH;'pay'ff . ::A ad yotriy�il end cfd�honal:rhnrges he bdldr�e sfs.... PaY"'5.an Credit Line $5,200 Wang this r urd and ort thrs btCitemertt eatimat totpl 0f Credit Line Available $2,297 month you about ... Cash Advance Credit Line $2,500.00 P°y.a. ..................::.:...:: ......;:::.....:.:... ... Cash Advance Credit Line Available $2,297.00 Only the minimum 9 years $4,831 payment 3,520 Miles by Discover' Anniversary Month $98 3 years (Savings=$1,311 ) October Opening Miles Balance 2,443 If you would like information about credit counseling services, New Miles Earned + 1,401 call 1-800-347-1121. Miles Balance 3,844 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 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 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 Jan 8 Jan 8 INTERNET PAYMENT-THANK YOU $ -200.00 Merchandise Dec 15 Dec 19 WALMART.COM WALMART.COM AR $ 84.31 354634291XO1L Dec 16 Dec 19 KMART MECHANICSBURGPA 152.39 Dec 19 Dec 19 WAL-MART SC-#1886 MECHANICSBURGPA 15.86 Dec 20 Dec 20 CVS/PHARMACY MECHANICSBURGPA 71.82 Dec 27 Dec 27 FYE COLONIAL PARK 1401 HARRISBURG PA 50.31 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox- •Get helpful payment reminders through e-mail or text messages on your mobile phone. *Print a paper copy of your statement anytime. •Sign up today at Discover.com/paperless 02010 Discover Bank,Member FDIC PAPER.0310 Transactions Trans. Post (cunt.) Dare Dare Merchandise Dec 27 Dec 27 APL*ITUNES 866-712-7753 CA 1.29 22563677 MGJG91J2FN-0 Jan 14 Jan 14 TARGET LANGHORNE PA 31.65 Jan 14 Jan 14 TJMAXX#0262 LANGHORNE PA 78.99 Jan 16 Jan 16 PETSMART INC 568 FAIRLESSHILLSPA 87.00 0568023010601032619166 Jan 16 Jan 16 HOMEGOODS#422 LANGHORNE PA 55.06 Jan 17 Jan 17 WAL-MART SC-#1886 MECHANICSBURGPA 86.76 Jan 17 Jan 17 WAL-MART SC-#1886 MECHANICSBURGPA 52.96 Restaurants Dec 20 Dec 20 PANERA BREAD#01155 MECHANICSBUR PA 24.00 Dec 23 Dec 23 RED LOBSTER MECHANICSBURGPA 69.05 Services Dec 29 Dec 29 PPL ELECTRIC UTIL/BMC 800-342.5775 PA 125.95 4353090269 Supermarkets Dec 20 Dec 20 GIANT FOOD#269 CAMP HILL PA 99.04 010251 Department Store Dec 20 Dec 20 KOHLS 0337 MECHANICSBURGPA 86.77 Dec 28 Dec 28 KOHLS 0337 MECHANICSBURGPA 135.46 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 28.17 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 28.17 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 28.17 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA L DINGIER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $2,553.28 $28.17 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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,Sah 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. Dgsgi tion of Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mista ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in w�nting. You may call us,but if you do we are 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 hue: 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 writin at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the same rules apply to the disputed amount as discussed above. After we Finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer From your account at the financial institution indicated on your check or to process the payment as a check transaction. IF pa ment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as 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 receroed in proper Farm at our processing facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our Processing facility after SPM local time will be credited fo your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 97-6 1 03. Please allow 7.10 days For delivery. If your payment is returned unpaid,we reserve the rig(if to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date(e. the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone 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 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 1.800-347-2683 or by mail at Discover PO Box 30421,Salt Lake City,UT 84130-042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each 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 pa ent 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 ou believe that our report is inaccurate or incomplete,please write us at the following address: Discover,PO Box 15316,Wilmington,DE 19850-5316. Please indicate your name,address, home telephone number and Account number. Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement,unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement,we will not impose Interest Charges on new purchases, that is,purchases first appearing on the current billing statement,or anY portion of a new ppurchase,paid by the Payment Due Date on your current billing statement. We call this the"grace period.' It is not less than 25 dayys. There is no brace period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled"How We Apply Payments,"we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement,then,depending on the amount of your payment and the APRs on.other balances,you may not get a grace period on new purchases. Annual Fee.If your Account has an annual fee,it will be billed at the be inning 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 yo notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the u fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms(for example,standard purchases,standard cash advances and each purchase,balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the"daily balance"for each transaction category. To get the"daily balance"we take the beginning balance for each day,add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments(including those adjustments required in the section titled"Paying Interest"). In calculating the daily balance for the first day of the billing period,we consider the"previous day's daily balance"to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate,for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances,we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs,in which case the transaction will be added to the 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 Ba once Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC OITBK172 Questions? Visit www.Discover.com or p�SCVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $3,258.50 $66.00 Enter Amount Enclosed Below Payment Due Date $ March 13,2011 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-A611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267032585000000000006600 Opening Date: January 19,2011 - Closing Date: February 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment InFormation New Balance $3,258.50 Minimum Payment Due $66.00 Account number ending in 3256 Payment Due Date March 13,2011 Previous Balance $2,902.29 late Payment Warning;If we do not receive your minimum Payments And Credits - 300.07 payment by the date listed above,you may have to pay a late Purchases + 618.73 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 37.55 Minimum Payment Warning:If you make only the minimum New Balance $3,258.50 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information If you;tlSikY:rY4 Yau�+F :F�ayc1F And end Credit Line $5,200 ddm Ono).cl+arges.. a balantf aheswrt up palnng zsn Credit Line Available $1,941 gtrrglhts card xtrtd' art fhta afaYemertt e♦3rmatwJ tats......... of h manfh Xau pay Irt about Cash Advance Credit line $2,500.00 Cash Advance Credit line Available $1,941.00 Only the minimum 10 years $5,600 payment 3,952 Miles by Discover® Anniversary Month $110 3 years (Savings=$1,648) October Opening Miles Balance 3,844 If you would like information about credit counseling services, New Miles Earned + 782 call 1-800-347-1121. Mires Balance 4,627 To learn more,log in at www.Discowr.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely of www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800-347-2683) to pay down your balance,securely access statements,pay Please have your Discover®card available. bills online and easily track all transactions 3. Write to us at Discover,PO Box 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 Jan 20 Jan 28 INTEREST CHARGE REFUND $ -0.07 Feb 5 Feb 5 INTERNET PAYMENT-THANK YOU -300.00 Merchandise Jan 16 Jan 19 JO-ANN ETC#2092 FAILESS HILLSPA $ 160.37 Jan 17 Jan 19 BEDBATH&BEYOND#1135 MECHANICSBURGPA 37.47 Jan 17 Jan 19 WOLF FURNITURE MECHANICSBURGPA 325.90 Jan 19 Jan 19 SCK SAMS 00 1 73 8 0794 1 HARRISBURG PA 94.99 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER I Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discover.com/paperless I 02010 Discover Bank,Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Date Interest Charged INTEREST CHARGE ON PURCHASES $ 37.55 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 37.55 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 65.65 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $3,404.03 $37.55 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 84130-042 1. In your letter,give us the following information: Account information:Your name and account number. Dollar amount.The dollar amount of the suspected error. 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 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 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 paoc e ssing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you send e payment to any other address or if you use an envelope other than the one provided. Payments received m proper form t our p ressing facility bSPM local time on any dayy will be credited o your Account as of that day. Paymnts ceied at our processing faali after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 97-6 1 03. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g.,the 15th da of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weeken r bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone you will need this statement and your bank account information. You will be asked to provide the last four(4�digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa ment you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as 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 of 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 granter than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If your scheduled pa ent is greater than the New Balance on your billing statement,that payment will be rocessed 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 ou 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. Palriny 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 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 App y Payments MqyJinpact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first fi uring 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. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFE001 Questions? Visit www.Discover.com or D�SC�VER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $3,289.26 $66.00 Enter Amount Enclosed Below Payment Due Date April 13,2011 Pay online at www.Discover.com or make check payable to Discover. Phone and internst payments must be made by 5:00pm ET for same day posting. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267032892600000000006600 Opening Date: February 19,2011 - Closing Date: March 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $3,289.26 Minimum Payment Due $66.00 Account number ending in 3256 Payment Due Date April 13,2011 Previous Balance $3,258.50 Late Payment Warning:If we do not receive your minimum Payments And Credits - 258.00 payment by the date listed above,you may have to pay a late Purchases + 255.99 fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 17.99%variable. Fees Charged + 0.00 Interest Charged + 32.77 Minimum Payment Warning:If you make only the minimum New Balance $3,289.26 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:yau make..no Yau wFll>pay off And yzs�.well ttrtd :: ddmonal chorges .: he falatrr a shown �fy� a rt Credit Line $5,200 gttgthis�qrd and vrt th�3 sfi>temtsrYt eshmated'tgto(of Credit Line Available $1,910 ach monf(i y6u:Pay. i�about::,; Cash Advance Credit Line $2,500.00 """ Cash Advance Credit Line Available $1,910.00 Only the minimum 10 years $5,672 payment 3,989 Miles by Discoverer Anniversary Month $111 3 years (Savings=$1,683) October Opening Miles Balance 4,627 If you would like information about credit counseling services, New Miles Earned + 255 call 1-800.347.1121. Miles Balance 4,883 To learn more,log in at www.Discowr.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 ray down your balance,securely access statements,pay Please have your Discovers card available. bil ray 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 Mar 7 Mar 7 INTERNET PAYMENT-THANK YOU $ -258.00 Merchandise Mar 9 Mar 9 PETCO 1891 63518914730 MECHANICSBURGPA $ 131.59 Mar 9 Mar 9 PAYLESS SHOE SOURCE CAMP HILL PA 74.06 Services Feb 16 Feb 19 AT&T 4840 HARRISBURG PA 50.34 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest Charged INTEREST CHARGE ON PURCHASES $ 32.77 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/papedess 02010 Discover Bank,Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Date Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0.00 TOTAL INTEREST FOR THIS PERIOD 32.77 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 98.42 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:28 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $3,287.56 $32.77 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800.347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84 130-042 1. In your letter,give us the following information: Account information. Your name and account number. Dollar amount:The dollar amount of the suspected error. Descriptio m:n of Proble 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 of 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the fop portion of this statement in the envelope Provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic Fund transfer 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 m proper form at our processing Facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processing faulily after 5PM local time will be credited to your Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197 6103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit it as an electronic debit. • NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date(e.g.,the 15th da of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weeken r bank or bank your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone you will need this statement and your bank account information. You will be asked to provide the last four(4�digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa ment you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347.2683 or by mail at Discover,PO Box 30421,Salt Lake City,UT 84 1 30-042 1;however we must receive notice at least three business days in advance of the scheduled payment. 'f 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 billin statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing 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 ou 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 t6 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 Purc�ases that first appear on the current billing statement. How We Applv_Payments Mav Impact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The be 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 billiny 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 call 1-800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFEOOI Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $4,724.20 $95.00 Enter Amount Enclosed Below Payment Due Date May 13,2011 Pay online at www.Discover.com or make check payable to Discover. Phone and internst gaymenh must be made by 5:00pm ET for same ay posting. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267047242000000000009500 Opening Date: March 19,2011 - Closing Date: April 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $4,724.20 Minimum Payment Due $95.00 Account number ending in 3256 Payment Due Date May 13,2011 Previous Balance $3,289.26 Late Payment Warning:If we do not receive your minimum Payments And Credits 324.19 payment by the date listed above,you may have to pay a late Purchases + 1,712.48 Fee of up to$35.00 and your purchase and balance transfer Balance Transfers + 0.00 APRs for new transactions may be increased up to the Penalty Cash Advances + 0.00 APR of 17.99%variable. Fees Charged + 0.00 Interest Charged + 46.65 Minimum Payment Warning:If you make only the minimum New Balance $4,724.20 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information If you make as you wild pay off .'And yorr Will�sid . . ... .l charges a l�alan a sh�wrt up paying Credit Line $5,200 ugirt3his C4srd 4+Rd Ott t1ttS Atptem6nt esfitmaled ro#a(of Credit Line Available $475 qch month. au �nubagt Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $475.00 Only the minimum 14 years $8,777 payment 5,729 Miles by Discover° Anniversary Month $159 3 years (Savings=$3,048) October Opening Miles Balance 4,883 If you would like information about credit counseling services, New Miles Earned + 1,710 call 1-800-347-1121. MRes Balance 6,594 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely of www.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 availab e. bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, Salt Lake City,UT 84130(Not a payment address) Make your money worth morest 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 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 4 Apr 5 TARGET MECHANICSBURGPA $ -74.19 Apr 6 Apr 6 INTERNET PAYMENT-THANK YOU -250.00 Merchandise Mar 21 Mar 21 WAL-MART SC-#1886 MECHANICSBURGPA $ 256.27 Mar 29 Mar 29 PETSMART INC 583 MECHANICSBURGPA 98.73 0583698610201453214014 Mar 29 Mar 29 TARGET CARLISLE PA 438.30 Mar 29 Mar 29 TARGET MECHANICSBURGPA 556.36 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 Transactions Trans. Post (cont.) Date Date Merchandise Apr 13 Apr 13 WAL-MART SC-#1886 MECHANICSBURGPA 67.17 Apr 13 Apr 13 DICKS SPORTING GOODS MECHANICSBURGPA 223.07 Restaurants Apr 11 Apr 1 1 THE OUVE GARDEN MECHANICSBURGPA 72.58 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest Charged INTEREST CHARGE ON PURCHASES $ 46.65 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 46.65 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 145.07 Questions? Visitwww.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER trpaysto ERIKA LDINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $4,227.47 $46.65 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 84 1 30-042 1. In your letter,give us the following information: Account information:Your name and account number. Dollar amount:The dollar amount of the suspected error. Descri tion of Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in w�itina. 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 i hits 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 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use 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 fransfer 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 m proper form at our processing facility b SPM local time on any day will be credited to your Account as of that day. Payments received at our processing fanliy offer SPM local time will Y credited to your Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197 6103. Please allow 7-10 days for delivery. IF your payment is returned unpaid,we reserve the rig�it to resubmit it as an elecfronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g. the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,you will need this statement and your bank account information. You will be asked to provide the last four(4fdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,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 84 130-0,42 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be 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 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 t6 total amount you owe us. You can avoid paying interest on Purchases as described below. However,you cannot ovoid paying interest on Balance Transfers or Cash Advances. How to Avoid PayLa 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 Purc�ases that first appear on the current billing statement. How We AD Iv Payments May Impact Your Groce_Perjod If you do not pay your New Balance m full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first fl uring 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 Dody 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 bill, 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 MD(Telecommunications Device for the Deaf)assistance,please call 1-800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFE001 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $5,720.73 $115.00 Enter Amount Enclosed Below Payment Due Date June 13,2011 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $520.73. ERIKA L DINGIER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267057207300000000011500 Opening Date: April 19,2011 - Closing Date: May 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $5,720.73 Minimum Payment Due $115.00 Account number ending in 3256 Payment Due Date June 13,2011 Previous Balance $4,724.20 Late Payment Warning:If we do not receive your minimum Payments And Credits 500.00 payment by the date listed above,you may have to pay a late Purchases + 1,431.54 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 64.99 Minimum Payment Warning:If you make only the minimum New Balance $5,720.73 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 you ..mke no You ovrli;payoff Arrd y�ry will�rrCl ;<: Credit Line $5,200 ddrt,+sna.charges ..: a bilar, s shtyv+rt up palnng an Credit Line Available $0 U�tt81) Ccsrd and cn thfs 1At merit e�fi.... 'rota(of ach marilh yav Pay art about. Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $0.00 Only the minimum 15 years $10,935 payment 6,938 Miles by Discover® Anniversary Month $193 3 years (Savings=$3,997) October If you would like information about credit counseling services, Opening Miles Balance 6,594 New Miles Earned + 1,431 call 1-800-347-1121. Miles Balance 8,025 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 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, Soft 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 I Access your account securely through your For TDD(Telecommunications Device for the DeaQ mobile phone assistance,please call 1-800.347-7449. Transactions Trans. Post Date Date Payments and Credits May 13 May 13 INTERNET PAYMENT-THANK YOU $ -500.00 Merchandise Apr 18 Apr 19 PETS PLUS LANGHORNE FAIRLESS HILLPA $ 1,017.38 Services Apr 19 Apr 19 BANFIELD 0583 MECHANICSBURGPA 414.16 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 64.99 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 cluster, 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. j •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. i •Sign up today at Discover.com/paperless 02010 Discover Bank,Member FDIC PAPER.03 10 Transactions Trans. Post (cont.) Date Data interest Charged TOTAL INTEREST FOR THIS PERIOD $ 64.99 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 210.06 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISC*VER It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $6,087.52 $64.99 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1.800-347-2683. What To Do H You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84130-042 1. In your letter,give us the following information: Account information:Your name and account number. Dollar amount:The dollar amount of the suspected error. PDescription of Problem• If you think there is an error on your bill,describe what you believe is wrong and why you believe t 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-wrifina. 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 i in 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. e!rocessing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you senthe payment to an,0 ther address or if you use an envelope other than the one provided. Payments received m proper forat our processing cility b SPM local time on any dayy will be credited to your Account as of that day. Payments reced at our processing facility aRer SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197 6103. Please allow 7-10 days For delivery. If your Payment is returned unpaid,we reserve the rig I to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the tel 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 b telepphone you will need this statement and your bank account information. You will be asked to provide the last four(4f digits of tfie social security number of the primary borrower. 8y roviding 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 authonze us to initiate debit or creditmentries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800 347-2683 or by mail at Discover,PO Box 30421,Salt lake City,UT 84130-042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each 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 pa ent is greater than the New Balance on your billin g statement,that payment will be Processed only for the amount of your New Balance.Your automatic payment amount maybe less 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. Pairing 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 t6 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 Payjng 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 Purc�oses that first appear on the current billing statement. How We App Payments Mary Impact Your Grace Period If you do not pay your New Balance m 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 last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFEOOI Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 3256 $5,636.17 $113.00 Enter Amount Enclosed Below Payment Due Date July 13,2011 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $436.17. ERIKA L DINGIER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267056361700000000011300 Opening Date: May 19,2011 - Closing Date: June 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $5,636.17 Minimum Payment Due $113.00 Account number ending in 3256 Payment Due Date July 13,2011 Previous Balance $5,720.73 Late Payment Warning:If we do not receive your minimum Payments And Credits 147.59 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 63.03 Minimum Payment Warning:If you make only the minimum New Balance $5,636.17 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 RJU rCi fk9-:rIG Yau' liay off:; And t51t.Well end Wl efdmanal charges hs dn a sfsrwn up fsa�n>tg xrn Credit Line $5,200 Credit Line Available $0 Wgi%11.0 5iird +pyre# tut tors tftit$mgtlt estr .... 1 at..of ach month you pny rrt.vbau! ., Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $0.00 Only the minimum 15 years $10,749 payment 6,835 Miles by Discover® Anniversary Month $190 3 years (Savings=$3,914) October Opening Miles Balance 8,025 If you would like information about credit counseling services, New Miles Earned + 0 call 1-800.347-1121. Redeemed This Period - 8,000 Miles Balance 25 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 ay down your balance,securely access statements,pay Please have your Discover®card available. bills online and easily track all transactions 3. Write to us at Discover,PO Box 30943, 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 Jun 11 Jun 11 INTERNET PAYMENT-THANK YOU $ -147.59 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 63.03 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 63.03 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/popedess 02010 Discover Bonk,Member FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 273.09 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It Pays to ERIKA LDINGIER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $5,713.24 $63.03 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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-wTina. You may call us,but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error,the following are true: We cannot try to collect the amount in question,or report you as delinquent on that amount. The charge in question may remain on your statement,and we may continue to charge you interest on that amount. But,if we determine that we made a mistake,you will not hove to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question,you are responsible For the remainder of your balance. We 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 inwriting at: Discover,PO Box 30945,Salt Lake City,UT 84130-0945 While we investigate,the some rules apply to the disputed amount as discussed above. Aker we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at anytime. However,you must pay at least the Minimum Payment Due by the Payment Due 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 fo make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If po ment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn From your account as 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 m proper form a t our processing facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processmg fauliTy after SPM local time will be credited to your Account as 0 1 h next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197 6103. Please allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.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 holidyoy,your payment will be processed the business day prior to The weekend or bank holiday. In order to schedule monthly payments b telepPhone you will need this statement and your bank account information. You will be asked to provide the last four(4fdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each paymant you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover PO Box 30421,Salt Lake City,UT 84130-042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each month)yy billing statement when your payment will be made and how much if will be. You must ensure that sufficient funds are avoilable 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 pa ent 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 f e 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 Pa)dng Interest on Purchases("Graco Reri!2d") 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 Purc�ases that first appear on the current billing statement. How We�1p�Payments May Impact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the be inning 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 billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFE001 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $5,259.26 $106.00 Enter Amount Enclosed Below Payment Due Date August 13,2011 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $59.26. ERIKA L DINGIER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267052592600000000010600 Opening Date: June 19,2011 - Closing Date: July 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $5,259.26 Minimum Payment Due $106.00 Account number ending in 3256 Payment Due Date August 13,2011 Previous Balance $5,636.17 Late Payment Warning:If we do not receive your minimum Payments And Credits 436.00 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 59.09 Minimum Payment Warning:If you make only the minimum New Balance $5,259.26 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions For detailed APR information If;you:maka.rtc Yov wiN',pay afk Arid::yr+u rYllf end 3diNanaF:charges Q fsaldntt ehtyv�n !'P pny,ng an Credit Line $5,200 uitr+g this cprd� a M this sfdtem rt: estrmnte�f fiota(of Credit Line Available $0 ach moriff�.yax pay to about: Cash Advance Credit Line $2,500.00 .: ........_.......................>.....:.....:::::.i::::.....::....:':: Cash Advance Credit Line Available $0.00 Only the minimum 15 years $9,936 payment 6,378 Miles by Discover® Anniversary Month $177 3 years (Savings=$3,558) October Opening Miles Balance 25 If you would like information about credit counseling services, New Miles Earned + 0 call 1-800-347.1121. Mass Balance 25 To learn more,log in at wwwMiscover.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 yur balance,securely access statements,pay Please have your Discover®card available. bills online and o 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 Jul 10 Jul 10 INTERNET PAYMENT-THANK YOU $ -436.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 59.09 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 59.09 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discover.com/paperless 02010 Discover Bank,Member FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 332.18 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA LDINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $5,534.37 $59.09 Cash Advances 23.99% V $0 $0 V=Variable Rafe 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 84130-042 1. In your letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. 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 w�itina. 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 accounf 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your chic described above,you authorize us to use information on your check to make an electronic Fund transfer From your account at the financial institution indicated on your check or to process the payment as a check transaction. IF payment is processed as an electronic Fund transfer,the transfer will be for the amount of the check. When we use information ham your check to make an electronic fund transfer,funds may be withdrawn From your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The Processing of your payment maybe delayed if you s end cash,correspondence or other items with your payment,if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 97-6 1 03. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring ent date(e.g. the 15th da of the month)that occurs before your Payment Due Date. If your scheduled payment date fa a weekend or bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b tel one epPh 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 p ,rent you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or crditnentries 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 84130-0,42 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each month)y 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 1s reater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If your scheduled poyment is greater than the New 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 ou 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 t6 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 Pa)dng 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 an th portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purchases at first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The be 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(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 RZNFE001 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER 1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $5,166.90 $104.00 Enter Amount Enclosed Below Payment Due Date September 13,2011 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267051669000000000010400 Opening Date: July 19,2011 - Closing Date: August 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $5,166.90 Minimum Payment Due $104.00 Account number ending in 3256 Payment Due Date September 13,2011 Previous Balance $5,259.26 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 57.64 Minimum Payment Warning:If you make only the minimum New Balance $5,166.90 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. you<mok�nc.. You WtNipr3y off lirid yo transactions r3dmonal charges a balance aown:up Credit Line $5,200 51�tb,s card end this atat m tt estimated total of Credit Line Available $33 month you inesbouE Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $33.00 Only the minimum 14 years $9,734 payment 6,267 Miles by Discover® Anniversary Month $174 3 years (Savings=$3,467 October Opening Miles Balance 25 If you would like information about credit counseling services, New Miles Earned + 0 call 1.800347.1121. Miles Balance 25 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1.800347-2683) to day down your balance,securely access statements,pay Please have your Discovers card available. bil s 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 1-800347.7449. Transactions Trans. Post Date Date Payments and Credits Aug 6 Aug 6 INTERNET PAYMENT-THANK YOU $ .150.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 57.64 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 57.64 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadabie,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 $ 0.00 TOTAL INTEREST CHARGED IN 2011 389.82 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE RATE ECT TO INTEREST CHARGE Purchases 12.99% V $5,224.39 $57.64 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 84 1 30-042 1. In your letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. 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 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 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 fransfer will be for the amount of e check. When we use information ham your check to make an electronic fund transfer,kinds 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 m proper form at our processing Facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facili aker SPM local time will be credited to your Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Sfream,IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the rig(it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the talephone or you can setup automatic payments through a customer service representative by calling 1.800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date(e.g. the 15th da of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,you will need this statement and your bank account information. You will be asked to provide the last four(4�digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa ment you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or credit entries to your bank account,as 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 8,4130-042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each month)y 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 pa ent is greater than the New Balance on your billin statement,that payment will be Processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicate 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 ou 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. Pawing 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 t6 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 Po)dng 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 currenf billing statement. How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first fl uring the daily balance"for each Transaction Category. Transaction Cate ories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Trans�ers. 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. If shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For MD Rolocommunications Device for the Deaf)assistance,please call 1.800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFEOOI Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $5,119.65 $103.00 Enter Amount Enclosed Below Payment Due Date October 13,2011 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,email or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267051196500000000010300 Opening Date: August 19,2011 - Closing Date: September 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $5,119.65 Minimum Payment Due $103.00 Account number ending in 3256 Payment Due Date October 13,2011 Previous Balance $5,166.90 Late Payment Warning:If we do not receive your minimum Payments And Credits 104.00 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 56.75 Minimum Payment Warning:If you make only the minimum New Balance $5,119.65 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{yau:mak8 po You Wtd,pr3yaff A d.,***yutz:vwill ertd ddm Ono l.c}rgrges he bdlan a 0.owtr up Pa.tp art Credit Line $5,200 sngthts�nrd an�k on thta 6tatment :..e�frmofd totp(�f Credit Line Available $80 adi monfh;yau pay <Irt about :7 :xxxxxxxxxx Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $80.00 Only the minimum 14 years $9,630 payment 6,210 Miles by Discover Anniversary Month $172 3 years (Savings=$3,420) October If you would like information about credit counseling services, Opening Miles Balance 25 c New Miles Earned + 0 all 1-800-347-112 1. MRes Balance 25 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discovercom 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 moraSM—find easy ways to earn For payments,please send to address on remittance or and redeem cash rewards Discover,PO Box 6103,Carol Stream,IL 60197-6103 NEW!Access your account securely through your For TDD(Telecommunications Device for the Deaf) mobile phone assistance,please call 1-800-347-7449. Transactions Trans. Post Date Date Payments and Credits Sep 4 Sep 4 INTERNET PAYMENT-THANK YOU $ -104.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 56.75 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 56.75 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/poperless 02010 Discover Bank,Member FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 446.57 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683 . It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $5,144.13 $56.75 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 84 1 3 0-042 1. In your letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. Description of Probiem: 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic Fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processmg Facili}y aker SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 601 9 7-6 1 0 3. Please allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the right to resubmit if as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g. the 15th do of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,you will need this statement and your bank account information. You will be asked to provide the last four(4�digits of 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 eat you authorize,in the amount selected by you,From your bank account. You also authorize us to initiate debit or credit entries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover,PO Box 30421,Salt Lake City,UT 84 130 -0421;however we must receive notice at,st three business days in advance of the scheduled payment. If your payments may vary in amount, we will fell 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 can 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 pa ent 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 ou believe that our report is inaccurate or incomplete,please write us at the following address: Discover,PO Box 15316,W lmington,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 t6 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 AyQid Pa)dng 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 Purc�ases that first appear on the current billing statement. How We Appl�Payments May Impact Your Grace Period If you do not pay your New Balance in Full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the Baily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up 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(Tolecommunkations Device for the Deaff assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank,Member FDIC RZNFEOOI Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $5,071.23 $102.00 Enter Amount Enclosed Below Payment Due Date November 13,2011 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. ERIKA L DINGIER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267050712300000000010200 Opening Date: September 19,2011 - Closing Date: October 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $5,071.23 Minimum Payment Due $102.00 Account number ending in 3256 Payment Due Date November 13,2011 Previous Balance $5,119.65 Late Payment Warning:If we do not receive your minimum Payments And Credits 103.00 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 54.58 Minimum Payment Warning:If you make only the minimum New Balance $5,071.23 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 I..yau:maka.na: You vrrH pay off. Arrd' a1r:rltt 9rrd ifdihanal charges... he f�a(at"ve shown pP paying;nn Credit Line $5,200 aging lhis.cvrd dnd cut#4:+bf4t}tath6r11 estrma►ed total of Credit Line Available $128 ach {ham pad. i�phut;.; Cash Advance Credit Line $2,500.00 "' . "" Cash Advance Credit Line Available $128.00 Only the minimum 14 years $9,526 payment 6,150 Miles by Discover' Anniversary Month $171 3 years (Savings=$3,376) October Opening Miles Balance 25 If you would like information about credit counseling services, New Miles Earned + 0 call 1-800.347.1121. Miles Balance 25 To learn more,log in of wwwMiscover.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 y 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 Oct 9 Oct 9 INTERNET PAYMENT-THANK YOU $ -103.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 54.58 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 54.58 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/poperless 02010 Discover Bank,Member FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 501.15 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA LDINGIER DISCOVER Account number ending in 3256 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 r TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $5,111.77 $54.58 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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. �escnotion 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 w'itina. 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 i i 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic Fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic Fund transfer,funds may be withdrawn from your account as 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 m proper form at our processing facility b SPM local time on any dayy will be credited to your Account as of that day. Payments received at our proceuing facility after SPM local time will be credited to your Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 9 7-6 1 03. Please allow 7-10 days for delivery. IF your payment is returned unpaid,we reserve the rig�it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date(e.g.,the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weeken r bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone you will need this statement and your bank account information. You will be asked to provide the last four(4�digits of tfie 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 1-800.347-2683 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.If your scheduled pa cent 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 ou 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 i�e 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 Payjno 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 Purcha se s�or any portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purc as es that first appear on the current billing statement. How We App1v Payments Mov Impact Your Grace Period If you If not pay your New Balance m 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-Da�ly Balance Method(including current transactions): We calculate interest charges each billing period by first fl urns 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 Dafly 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 billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For MD(Telecommunications Device for the Deaf)assistance,please call 1.800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNPE001 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $4,957.00 $100.00 Enter Amount Enclosed Below Payment Due Date $ December 13,2011 Pay online at www.Discover.com or make check payable to Discover. Phone and internst payments must be made by 5:00pm ET for same day posting. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267049570000000000010000 Opening Date: October 19,2011 - Closing Date: November 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $4,957.00 Minimum Payment Due $100.00 Account number ending in 3256 Payment Due Date December 13,2011 Previous Balance $5,071.23 Late Payment Warning:If we do not receive your minimum Payments And Credits 170.00 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 55.77 Minimum Payment Warning:If you make only the minimum New Balance $4,957.00 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information If you mak ;:nc Y<n,wrH Fiat'oEf And " tll end i3dI anal charges he Isalan s s Credit Line $5,200 a 1ng this r~tird and tfttS Sk4ifit{.......... estrmat�d tgigl of Credit Line Available $243 monfEt;au tnexbotiF;; xx Cash Advance Credit Line Y..:..P°y:.....::::.............. $2,500.00 ;:::..... Cash Advance Credit Line Available $243.00 Only the minimum 14 years $9,277 payment 6,012 Miles by Discover® Anniversary Month $167 3 years (Savings=$3,265 October If you would like information about credit counseling services, Opening Miles Balance 25 New Miles Earned + 0 call 1-800-347-1121. Miles Balance 25 To learn more,log in at wwwMiscover.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 1.804DISCOVER(1.804347-2683) to ray down your balance,securely access statements,pay Please have your Discover®card available. bil s 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 1-804347-7449. Transactions Trans. Past Date Date Payments and Credits Nov 11 Nov i 1 INTERNET PAYMENT-THANK YOU $ -170.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 55.77 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 55.77 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 I 02010 Discover Bank,Member FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 556.92 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pan to ERIKA LDINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $5,054.47 $55.77 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 witina. 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 i in 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 of the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic Fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash,correspondence or other items with your payment,if you send the payment to any other address or if you use an envelope other than the one provided. Payments received m proper form of our processing Facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing Fauli}y after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197 6103. Please allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the rig(,f to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent 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 holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone you will need this statement and your bank account information. You will be asked to provide the last four(4�digits ant' 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 1-800.347.2683 or by mail at Discover PO Box 30421,Salt Lake City,UT 84130-042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each 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 renter than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.IF your scheduled pa N ent is greater than the New Balance on your billing statement,that payment will be Processed only for the amount of your ew 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 i ie 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 Pa ' a 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 an portion of a new Purchase,paid by the Payment Due Date on your current billing statement. New Purchases are Purc ases that first appear on the current billing statement. How We Apply PglrLnents May Iaact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFE001 Questions? Visit www.Discover.com or p�$C+♦VER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $4,859.72 $98.00 Enter Amount Enclosed Below Payment Due Date $ January 13,2012 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267048597200000000009800 Opening Date: November 19,2011 - Closing Date: December 18,2011 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $4,859.72 Minimum Payment Due $98.00 Account number ending in 3256 Payment Due Date January 13,2012 Previous Balance $4,957.00 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 52.72 Minimum Payment Warning:If you make only the minimum New Balance $4,859.72 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 y4U ttlq({i3;r10 lrou WrH payoff .Arid ytSttY i1{3rtCf . Credit Line $5,200 eldttt...... barges a balan a sk0vrt;gip f Y'ng an Credit line Available $340 V?t ,tl�t5 cnrd crud tht6 atcitt�rn9rt esttmatg�f total of ocb mmith<yov pay trt about:. Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $340.00 Only the minimum 14 years $9,069 payment 5,89 Miles by Discover' Anniversary Month $164 3 years (Savings=$3,1-75-) October Opening Miles Balance 25 If you would like information about credit counseling services, New Miles Earned + 0 call 1.800-3A7-1121. Miles Balance 25 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discovercom 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 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 10 Dec 10 INTERNET PAYMENT-THANK YOU $ -150.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 52.72 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 52.72 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/papedess 02010 Discover Bank,Member FDIC PAPER.0310 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 609.64 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683 . It pays to ERIKA L DINGER DISCI VEK Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $4,937.60 $52.72 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 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 fo make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from 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 so n payment to any other address or if you use an envelope other than the one provided. Payments received in proper Form at our processing facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received of our processing facility after SPM local time will be credited to your Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 601 97 61 03. Please allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800347-2683. 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 holidycry,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,you will need this statement and your bank account information. You will be asked to provide the last four(4�digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa ant you authorize,in the amount selected by you,from your bank account. You also authonze 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 30, Salt Lake City,UT 84 130042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much if 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 pa ent is greater than the New Balance on your billing statement,that payment will be rocessed 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 ou believe that our report is inaccurate or incomplete,please write us of the following address: Discover,PO Box 15316,Wilmington,DE 198505316. Please indicate your name,address, home telephone number and Account number. Pairing 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 t6 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 Pa ' a Interest on Purchases("Grace Period") If you 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 Purc ases that first appear on the current billing statement. flow We Apps Payments May Impact Your Grace Period If you do not pay your New Balance m 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 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 billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. If 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 RZNFE001 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683 . New Balance Minimum Payment Due Account Number ending in 3256 $4,903.16 $99.00 Enter Amount Enclosed Below Payment Due Date February 13,2012 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. ERIKA L DINGIER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267049031600000000009900 Opening Date: December 19,2011 - Closing Date: January 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $4,903.16 Minimum Payment Due $99.00 Account number ending in 3256 Payment Due Date February 13,2012 Previous Balance $4,859.72 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 + 88.97 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 54.47 Minimum Payment Warning:If you make only the minimum New Balance $4,903.16 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 r detailed APR information If jrqu rtygk8.;r14 You.;willJsdy off "P. w,ll and mgl�ts CgrQRC4"...he blncstad60he carga uwt h ;up palnng Credit line $5,200 'M an thr ettt esitmat fiota(Qf Credit Line Available $296 monthyou tr#abaat ..: .. Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $296.00 Only the minimum 14 years $9,160 payment $5,9,46 Miles by Discover® Anniversary Month $165 3 years (Savings=$3,214 1 October Opening Miles Balance 25 IF you would like information about credit counseling services, New Miles Earned + 88 call 1-800-347.1121. Miles Balance 114 To learn more,log in at wwwMiscover.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 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 Jan 9 Jan 9 INTERNET PAYMENT-THANK YOU $ .100.00 Merchandise Dec 21 Dec 21 BEDBATH&BEYONDtt1135 MECHANICSBURGPA $ 88.97 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest Charged INTEREST CHARGE ON PURCHASES $ 54.47 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 54.47 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of clownloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through 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 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 0.00 TOTAL INTEREST CHARGED IN 2012 54.47 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to ERIKA LDINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Currant Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $4,937.09 $54.47 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 ""tina. 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 some rules apply to the disputed amount as discussed above. Aker we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at 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 fo make an electronic fund transfer from your account of the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,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. he!rocessing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you senthe payment to any other address or if you use an envelope other than the one provided. Payments received in proper forat our processing Facility b SPM local time on any dayy will be credited to your Account as of that day. Payments reced of our processing facility aker SPM local time will be credited to your Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig(,t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g.,the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,you will need this statement and your bank account information. You will be asked to provide the last four(4f digits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each pa 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 a licable,to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347-2683 or by mail at Discover,PO Box 30421,Salt Lake City,UT 84130.0421;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account,and all transactions 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 pa ent 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&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 Payjna 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 Purc�ases that first appear on the current billing statement. How We Aop v Payments Moo Impact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first fig urng the"daily balance"For each Transaction Category. Transaction Categories include standard Purchases,standar 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 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 billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFEOOt Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683 . New Balance Minimum Payment Due Account Number ending in 3256 $4,781.24 $96.00 Enter Amount Enclosed Below Payment Due Date March 13,2012 Pay online at www.Discover.com or make check payable to Discover. Phone and internst payments must be made by 5:00pm ET for same day posting. ERIKA L RINGER 4714 BRIAN RD MECHANICSBURG PA 17050-3012 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267047812400000000009600 Opening Date: January 19,2012- Closing Date: February 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment InFormation New Balance $4,781.24 Minimum Payment Due $96.00 Account number ending in 3256 Payment Due Date March 13,2012 Previous Balance $4,903.16 Late Payment Warning:If we do not receive your minimum Payments And Credits - 175.49 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 53.57 Minimum Payment Warning:If you make only the minimum New Balance $4,781.24 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 Ifyau maka;na You wrN;pay off And yott:v,ll end Credit Line $5,200 ddtNannl ci+arge� heildnCe sho+vrt :up pay+rtg<r�n af Credit Line Available $418 �� tbas Pard off,. b+t fhttiitem +t estrmed tatq)of mon#f,yav pay tnobo�t , Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $418.00 Only the minimum 14 years $8,894 payment 5,798 Miles by Discover' Anniversary Month $161 3 years (Savings=$3,096 j October Opening Miles Balance 114 If you would like information about credit counseling services, New Miles Earned + 0 call 1-800-347-1121. MRes Balance 114 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 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 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 Jan 31 Feb 1 INTEREST CHARGE REFUND $ -0.49 Feb 6 Feb 6 INTERNET PAYMENT-THANK YOU -175.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 53.57 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD ^ 53.57 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 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 0.00 TOTAL INTEREST CHARGED IN 2012 107.55 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA L DINGIER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $4,855.60 $53.57 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800.347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Salt Lake City,UT 84130.0421. In your letter,give us the following information: Account informafion: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 witina. 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 Purchasea 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 dexribed above,you authorize us to use information on your check to make an electronic(und transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. IF payyment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information ham your check to make an electronic fund transfer,funds may be withdrawn kom your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing faalily after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197 6103. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring a ant date(e. . the 15th da of the month)that occurs before your Payment Due Date. If yyour scheduled payment date falls on a weekend or bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,you will need this statement and your bank account information. You will be asked to provide the last four(A� jgits 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 one ne at 1.800.347-2683 or by mail at Discover PO Box 30421,Salt Lake City,UT 84 1 30-042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will fell 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 Cordmember Agreement.If your scheduled pa ent 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 ou 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 Pcrying interest on Purchases as described below. However,you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Pct)dng Interest on Purchase3("Grace 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 Purc aces that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categones include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The be balance for the first day of the billing period is your balance on the last day of your previous bilfing 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(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 RZNFEa07 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $4,730.30 $95.00 Enter Amount Enclosed Below Payment Due Date April 13,2012 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. ERIKA L DINGER 4714 BRIAN RD MECHANICSBURG PA 17050-3012 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267047303000000000009500 Opening Date: February 19,2012- Closing Date: March 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $4,730.30 Minimum Payment Due $95.00 Account number ending in 3256 Payment Due Date April 13,2012 Previous Balance $4,781.24 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 49.06 Minimum Payment Warning:If you make only the minimum New Balance $4,730.36 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#:you rY You. Sri%payoff. krYd yov v tlf end dditlpnal c}wrges ha tsalone shryvrrt.up PaY"'1 zsn Credit Line $5,200 Credit Line Available $469 ginthiscprd Ind rrtt tfttC zEp►stn�rtt es#rmatetf total of 6ch month you pay. it}abou► Cash Advance Credit Line $2,500.00 "" "" Cash Advance Credit Line Available $469.00 Only the minimum 14 years $8,789 payment 5,737 Miles by Discover® Anniversary Month $159 3 years (Savings=$3,052) October Opening Miles Balance 114 If you would like information about credit counseling services, New Miles Earned + 0 call 1-800-347-1121. Miles Balance 114 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 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 mores)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 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 4 Mar,4 INTERNET PAYMENT-THANK YOU $ -100.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 49.06 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 49.06 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER I Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discovercom/paperless 1 02010 Discover Bank,Member FDIC PAPER.0310 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 0.00 TOTAL INTEREST CHARGED IN 2012 156.61 Questions? Visit www.Discover.com or call 1-800-DISCOVER(1-800-347-2683). DISCOVER It pays to ERIKA L DINGIER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:29 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $4,753.29 $49.06 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Soft Lake City,UT 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 w�itina. 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 N 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 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic Fund transfer From your account of the financial institution indicated on your check or to process the payment as a check transaction. IF payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn From your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The!roce's n 9 o�en t f your payment enthe pa fo anyy other aforat our ocng taclify breced at r processin g faaliTy after SPM local time will be credited fo your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 9 7-6 1 03. Please allow 7-10 days far delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date(e. the 15th da of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone you will need this statement and your bank account information. You will be asked to provide the last four(4fdigits ante 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 n ent you authorize,in the amount selected by you,from your bank account. You also authorize us to initiate debit or creditentries to your bank account,as applicable,to correct an error in the processing of such payment. You can cancel a scheduled Mby 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 suffic;ent 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 pa ent 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 ou 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 Paxlna 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 currenf billing statement. How We ADPIIV Payments ay Impact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous bilfing 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 claily 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 MD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFE001 Questions? Visit www.Discover.com or DISCOVER 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $4,707.59 $98.00 Enter Amount Enclosed Below Payment Due Date May 13,2012 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. ERIKA L DINGER 4714 BRIAN RD MECHANICSBURG PA 17050-3012 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267047075900000000009800 Opening Date: March 19,2012- Closing Date: April 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $4,707.59 Minimum Payment Due $98.00 Account number ending in 3256 Payment Due Date May 13,2012 Previous Balance $4,730.30 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 17.99%variable. Fees Charged + 25.00 Interest Charged + 52.29 Minimum Payment Warning:If you make only the minimum New Balance $4,707.59 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:ov<make:ncr lau wrN;poy off : :and you w,1f end y .............. .... :. ddmenal:charges :...: he balance shown up Palnng!an Credit Line $5,200 ugarig lhis prd pn0. . an thrs ak emert estrmateti tofgl of Credit Line Available $492h monffi:ou iattbAUF„ Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $492.00 Only the minimum 14 years $8,739 payment 5,710 Miles by Discover' Anniversary Month $159 3 years (Savings=$3,029) October If you would like information about credit counseling services, Opening Miles Balance 114 c New Miles Earned + 0 all 1-800.347-1121. Miles Balance 114 To learn more,log in at w .Discovor.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 day down your balance,securely access statements,pay Please have your Discovers card available. bil s 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 mores —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 14 Apr 14 INTERNET PAYMENT-THANK YOU $ .100.00 Fees Apr 13 Apr 13 LATE FEE $ 25.00 TOTAL FEES FOR THIS PERIOD 25.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 52.29 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 52.29 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. I •Print a paper copy of your statement anytime. 1111 .Sign up today at Discovercom/paperless ®2010 Discover Bank,Member FDIC PAPER.0310 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 208.90 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA LDINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $4,739.49 $52.29 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 84 130-042 1. In your letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. 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 g 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 accounf 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as 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. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e.g. the 15th da of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepPhone you will need this statement and your bank account information. You will be asked to provide the last four(4�digits of 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 cre it 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 1.800.347.2683 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 Cordmember Agreement.If your scheduled payment is greater than the New Balance on your billing statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount 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 doily balance. We continue to impose interest charges until you pay t(1e 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 Purcha ("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 Purc ases that first appear on the current billing statement. How We App y Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the be inning 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 bill' 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 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 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $4,651.85 $94.00 Enter Amount Enclosed Below Payment Due Date $ June 13,2012 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267046518500000000009400 Opening Date: April 19,2012- Closing Date: May 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $4,651.85 Minimum Payment Due $94.00 Account number ending in 3256 Payment Due Date June 13,2012 Previous Balance $4,707.59 Late Payment Warning:If we do not receive your minimum Payments And Credits 106.00 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 50.26 Minimum Payment Warning:IF you make only the minimum New Balance $4,651.85 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 If;you rFtAk�no You wa pay aff Arrd Y'ftrwJlf end Credit Line $5,200 ddmonal NO rges a bc,(ar;i eshowrt up PO.Y.1 zsn 04006+ 400,+ 'I card 4tnd ft.a+alem rl esfrmgt i tata)of Credit Line Available $548 och moril6>ou ,n about, y PAY::.. Cash Advance Credit Line $2,500.00 ...... Cash Advance Credit Line Available $548.00 Only the minimum 14 years $8,619 payment $5,642 Miles by Discover' Anniversary Month $157 3 years (Savings=$2,977) October Opening Miles Balance 1 14 If you would like information about credit counseling services, New Miles Earned + 0 call 1.800.347.1121. Miles Balance 114 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 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 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 Dale Dale Payments and Credits May 12 May 12 INTERNET PAYMENT-THANK YOU $ -106.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 50.26 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 50.26 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC49VEI 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/papedess 02010 Discover Bank,Member FDIC PAPER.0310 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 259.16 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683 . DISCOVER It pays to ERIKA L DINGIER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR( INTEREST RATE Purchases 12.99% V $4,707.21 $50.26 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 "r tins. 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic Fund transfer,funds may be withdrawn from your account as 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 m proper form at our processing facility 6y 5PM local time on any dayy will be credited to your Account as of that day. Payments received of our processing Facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197 6103. Please allow 7-10 days For delivery. If your payment is returned unpaid,we reserve the rig�t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ment date(e. . the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone 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.If your scheduled pa ent 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 ie 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 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. HowtoAvaidPaytn Interest on Purchases("Grace Period") If you poid 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 Purcases that first appear on the current billing statement. How We AppA a en l�v ay 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 an new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other 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 bill, 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 call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank,Member FDIC RZNFEOOI Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $4,603.12 $93.00 Enter Amount Enclosed Below Payment Due Date July 13,2012 Pay online at www.Discover.com or make check payable to Discover. Phone and internst payments must be made by 5:00pm ET for same day posting. ERIKA L DINGIER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267046031200000000009300 Opening Date: May 19,2012- Closing Date: June 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $4,603.12 Minimum Payment Due $93.00 Account number ending in 3256 Payment Due Date July 13,2012 Previous Balance $4,651.85 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 51.27 Minimum Payment Warning:If you make only the minimum New Balance $4,603.12 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€you:makefi6. Yrn,wtH.payaff And yav:v tll grtd . Credit Line $5,200 eldmonal charges he...... ice sf;avert zYn Credit Line Available $596 using tl�ts:COrd ttrtd cut fhr3 statem.rtt estomat total of ech ff�yotr pay �nabout Cash Advance Credit Line $2,500.00 "' .................. Cash Advance Credit Line Available $596.00 Only the minimum 13 years $8,512 payment 5,583 Miles by Discover' Anniversary Month $155 3 years (Savings=$2,929 October Opening Miles Balance 114 If you would like information about credit counseling services, New Miles Earned + 0 call 1-800-347-1121. Miles Balance 114 To learn more,log in at www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely of www.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 mores' —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 Jun 10 Jun 10 INTERNET PAYMENT-THANK YOU $ -100.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 51.27 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 51.27 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC40VEIZ 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 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 310.43 Questions? Visit www.Discover.com or ��SC�VER call 1-800-DISCOVER (1-800-347-2683). If Pays to ERIKA L DINGER DISCOVER Account number ending in 3256 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 ANN(AP PERCENTAGE INTEREST SUBJECT T TO INTEREST CHARGE Purchases 12.99% V $4,647.70 $51.27 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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,Sah 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�fion of Problem: If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in'itina. 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 some rules apply to the disputed amount as discussed above. After we finish our investigation,we will tell you our decision. At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Payments.You may pay all or part of your Account balance at any time. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope PProvided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is pr«essed 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 m proper form at our pr«essing facility b SPM I«al time on any dayy will be credited to your Account as of that day. Payments received at our processing facility offer SPM local time will be credited to your Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 97-6 1 03. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit if as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the tel or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date(e.g.,the 15th da of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weeken r bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepPhone you will need this statement and your bank account information. You will be asked to provide the last four(4f digits of tfia 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 month)y 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 renter than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.Ifgyour scheduled pa ent is greater than the New Balance on your billin g statement,that payment will be processed only for the amount of your New Balance.Your automatic payment amount maybe less 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 ou 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&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 Purc ases that first appear on the current billing statement. How We Applv 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 be 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 bill' 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 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 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683 . New Balance Minimum Payment Due Account Number ending in 3256 $2,163.39 $56,00 Enter Amount Enclosed Below Payment Due Date August 13,2012 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267021633900000000005600 Opening Date: June 19,2012- Closing Date: July 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $2,163.39 Minimum Payment Due $56.00 Account number ending in 3256 Payment Due Date August 13,2012 Previous Balance $4,603.12 Late Payment Warning:If we do not receive your minimum Payments And Credits 2,500.00 payment by the date listed above,you may have to pay a late Purchases + 25.00 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 35.27 Minimum Payment Woming:If you make only the minimum New Balance $2,163.39 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 if YOU MO 00a You wtH pay off A�fd yotr vd,11 encf eldRlondl rkarges a balane skorvft up paying.on Credit Line $5,200 u Il�ts Card and W!tAtS 6fCltdm�rYt estimated tots{of Credit Line Available $3,036 66MN you Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $2,500.00 Only the minimum 7 years $3,235 payment 2,623 Miles by Discover® Anniversary Month $73 3 years (Sayings=$612) October Opening Miles Balance 114 If you would like information about credit counseling services, New Miles Earned + 25 call 1-800-347-1121. Mt1es Balance 139 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 ray down your balance,securely access statements,pay Please have your Discovers card available. bil ray 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 Jul 3 Jul 3 INTERNET PAYMENT-THANK YOU $ -2,500.00 Services Jul 3 Jul 3 PAYPAL•STUDENTFORT 4029357733 CA $ 25.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 35.27 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 35.27 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 ®2010 Discover Bank,Member FDIC PAPER.0310 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 345.70 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rafe(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $3,303.43 $35.27 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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,Soft Lake City,UT 84130-0421. In your letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. 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"I tins. You may callus,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 hue: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card accounf do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact us in r''n 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 kom your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an elecfronic 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 if as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date(e. the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone,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 reater than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.It your scheduled pa ent 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 ou 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 t6 total amount you owe us. You can avoid eying 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 bil ing statement. New Purchases are Purc ases that first appear on the current billing statement. How We Appl.;PoPayments May Impact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The be balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or Fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this For each day in the billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For MD(Telecommunications Device for the Deaf)assistance,please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFE001 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 3256 $2,369.20 $48.00 Enter Amount Enclosed Below Payment Due $ September 13,,20 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71 084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267023692000000000004800 Opening Date: July 19,2012- Closing Date: August 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $2,369.20 Minimum Payment Due $48.00 Account number ending in 3256 Payment Due Date September 13,2012 Previous Balance $2,163.39 Late payment Warning:If we do not receive your minimum Payments And Credits 60.00 payment by the date listed above,you may have to pay a late Purchases + 241.17 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 24.64 Minimum Payment Warning:If you make only the minimum New Balance $2,369.20 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information If;ystu maka.Y4 You V Fp>.poyoff '. :Rrld yt5u vtill snd adihonal efarges _ he bdldtrCe shdwrt !'P t"sY'n5un .:. Credit Line $5,200 rycr this akl4merit Emated tWal cf , Credit Line Available $2,830tn911+isird and e8t ach month you pay inabouY<, ...... .. ,.... Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $2,500.00 Only the minimum 8 years $3,679 payment 2,873 Miles by Discover' Anniversary Month $80 3 years (Savings=$806) October If you would like information about credit counseling services, Opening Miles Balance 139 New Miles Earned + 270 call 1-800-347-1121. Mdes Balance 409 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 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 Deal) mobile phone assistance,please call 1-800.347.7449. Transactions Trans. Past Date Date Payments and Credits Aug 11 Aug 11 INTERNET PAYMENT-THANK YOU $ -60.00 Merchandise Aug 13 Aug 13 ROSS STORES 01007 MECHANICSBURGPA $ 63.93 Aug 14 Aug 14 AEROPOSTALE#870 HERSHEY PA 42.00 Restaurants Aug 6 Aug 6 LOWER ALLEN DINER CAMP HILL PA 28.85 Gasoline Aug 6 Aug 6 SUNOCO CAMP HILL PA 34.00 Aug 9 Aug 9 SUNOCO CAMP HILL PA 25.00 Services Aug 6 Aug 6 BANFIELD 0583 MECHANICSBURGPA 47.39 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. I •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 I I 02010 Discover Bank,Member FDIC PAPER.0310 Transactions Trans. Post (coat.) Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 24.64 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 24.64 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 370.34 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER 1-800-347-2683). It pays to ERIKA L DINGER DISC VEK Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $2,233.05 $24.64 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 wr�itina. 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 accounf 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope Provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your Financial institution. T he!rocessing of your payment may be delayed if you 3 end cash,correspondence or other items with your payment,if you senthe payment to any other address or if you use an envelope other than the one provided. Payments received m proper forat our processing facility by SPM local time on any dayy will be credited to your Account as of that day. Payments reced at our processing facilily after SPM local time will be credited to our Account as of the next day. IF you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60197 6103. Please allow 7-10 days For delivery. If your payment is returned unpaid,we reserve the ng�it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER New Balance Minimum Payment Due Account Number ending in 3256 $3,857.61 $78.00 Enter Amount Enclosed Below Payment Due Date October 13,2012 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discovw.com or print change in space above. 000001986623613261267038576100000000007800 Opening Date: August 19,2012- Closing Date: September 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $3,857.61 Minimum Payment Due $78.00 Account number ending in 3256 Payment Due Date October 13,2012 Previous Balance $2,369.20 late Payment Warning:If we do not receive your minimum Payments And Credits 60.00 payment by the date listed above,you may have to pay a late Purchases + 1,510.52 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 37.89 Minimum Payment Warning:If you make only the minimum New Balance $3,857.61 payment each period,you will pay more in interest and it will See Interest Charge Calculation section following take you longer to pay off your balance.For example: transactions for detailed APR information If:;you>mstk8<riG Yau W.A.:'i0y.Off ::,..Arld.ytsU�tlf snd r3dmangl.charges he fsa10nce shawrt Credit line $5,200 ;try h and +3Tt tht akYem 3rtt:: estrmato d total of Credit Line Available $1,342 manfh:au tra about Y....?°1... Cash Advance Credit Line $2,500.00 "' ' ' ' "" ' Cash Advance Credit Line Available $1,342.00 Only the minimum 12 years $6,897 payment 679 Miles by Discover® Anniversary Month $130 3 years (Savings=$2,218) October Opening Miles Balance 409 If you would like information about credit counseling services, New Miles Earned + 1,539 call 1-800-347-1121. Miles Balance 1,949 To learn more,log in otwww.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(1-804347-2683) 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 1-804347.7449. Transactions Trans. Post Date Date Payments and Credits Sep 7 Sep 7 INTERNET PAYMENT-THANK YOU $ -60.00 Merchandise Aug 20 Aug 20 AEROPOSTALE#615 ST AUGUSTINE FL $ 62.29 Aug 20 Aug 20 PAYLESS SHOE SOURCE SAINT AUGUSTIFL 31.79 Aug 22 Aug 22 ROSS STORES 01007 MECHANICSBURGPA 191.90 Aug 23 Aug 23 KMART MECHANICSBURGPA 37.09 Aug 24 Aug 24 BIG LOTS#01413 CAMP HILL PA 74.76 Aug 30 Aug 30 MCAFEE 866-622-3911 TX 211.97 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. J •Print a paper copy of your statement anytime. •Sign up today at Discover.com/paperless 02010 Discover Bank,Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Daro Date Merchandise CS1243258755 Sep 2 Sep 2 GOOGLE*STUDENTOFFORTU GOOGLE.COM/CHCA 29.99 6765866276KZEM52 Sep 12 Sep 12 GLOW GOLF KING OF PRUSSPA 35.00 Sep 12 Sep 12 AEROPOSTALE 351 KG OF PRUSSIAPA 84.14 Sep 12 Sep 12 HOT TOPIC 0037 KING OF PR PA 69.43 Restaurants Sep 12 Sep 12 STARBUCKS P1 1271517531 BOWMANSVILLE PA 11.43 Sep 12 Sep 12 AUNTIE ANNE'S#198.3 KING O PRUSSIPA 10.25 Sep 12 Sep 12 MCDONALD'S F2449 CAMP HILL PA 7.41 Gasoline Aug 19 Aug 19 SUNOCO CAMP HILL PA 37.00 Aug 19 Aug 19 SUNOCO CAMP HILL PA 30.00 Aug 20 Aug 20 J&S FOOD MART WILSON NC 39.70 Aug 20 Aug 20 EL CHEAPO 54 DARIEN GA 15.00 Aug 20 Aug 20 LOVES COUNTRY STORE#3 RICHMOND HILLGA 32.01 Aug 20 Aug 20 LOVES COUNTRY STORE#3 RICHMOND HILLGA 21.63 Aug 21 Aug 21 CITGO 33278035 KANGA DUNN NC 37.06 L33278035 Aug 21 Aug 21 SHELL 57545370306 THURMONT MD 37.00 Aug 23 Aug 23 KWIK FILL MECHANICSBURGPA 44.50 Aug 27 Aug 27 EXXONMOBIL LYKENS PA 41.01 Aug 30 Aug 30 0228 SHEETZ HALIFAX PA 38.50 Sep 5 Sep 5 SUNOCO MECHANICSBURGPA 44.06 Sep 12 Sep 12 SUNOCO CAMP HILL PA 33.00 Services Aug 27 Aug 27 BANFIELD 0583 MECHANICSBURGPA 53.06 Aug 30 Aug 30 YESCOMUSA 6263362829 CA 104.98 Home Improvement Aug 23 Aug 23 LOWE'S OF MECHANICSBURG,MECHANICSBURGPA 44.56 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 37.89 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 37.89 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 408.23 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $3,433.31 $37.89 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 LIC No.0919392;Licensed by the Dept of Corporations under the CA Residential Mortgage Lending Act; Regulated by the CO Division of Real Estate;GA Residential Mortgage Licensee#33265;IL Residential Mortgage Licensee #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 LIC;OH Mortgage Broker Act Mortgage Banker Exemption #MBMB.850150.000;OR Mortgage Lender LIC#ML-5100;Licensed by the PA Dept of Banking;VA Exempt Company Registration;Licensed in WA under the name of DFS HL Inc.,Consumer Loan LIC#CL-837915;Discover Home Loans,Inc.'s NMLS#837915. Not available in NV,NY&RI Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately] Call 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 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information from your check to make an electronic Fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution. The processing of yyour payment may be delayed if you send cash,correspondence or other items with your payment,if you send the payment fo an other address or if you use an envelope other than the one provided. Payments received in proper farm at our processing Facility b 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility offer SPM local time will be credited to your Account as of the next day. IF you have misplaced your envelope,sand your payment to Discover,PO Box 6103 Carol Stream,IL 601 97 61 03. Please allow 7-10 days for delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ant date(e. the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weaken bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order ro schedule monthly payments b telepphone you will need this statement and your bank account information. You will be asked to provide the last four(4fdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to a110w us and your bank to deduct each pa merit 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 pa ent 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 ou 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 he daily balance. We continue to impose interest charges until you pay t 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 Pa ' a 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 Purc ases that first appear on the current billing statement. How We Ao�»v Payments Mai Impact Your Grace Period If you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance For the first day of the billing period is your balance on the Tast day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the Transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this For each day in the billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFEOO1 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $4,689.57 $94.00 Enter Amount Enclosed Below Payment Due Date November 13,2012 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. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267046895700000000009400 Opening Date: September 19,2012- Closing Date: October 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $4,689.57 Minimum Payment Due $94.00 Account number ending in 3256 Payment Due Date November 13,2012 Previous Balance $3,857.61 Late payment Warning:If we do not receive your minimum Payments And Credits 85.00 payment by the date listed above,you may have to pay a late Purchases + 869.90 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 17.99%variable. Fees Charged + 0.00 Interest Charged + 47.06 Minimum Payment Warning:If you make only the minimum New Balance $4,689.57 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 Ifij+QU mak ++ Y<au will pay off A­d you:v'If end Credit Line $5,200 cfdtNonaf c}targes he ftLljCttlCe shaWrt Pp pal^n5 an Credit Line Available $510 fnOthu Ctlid and Cm tftts s1 4me>tt esttmatecl.t- .. ...ch rnonfli,you pay to abAUt Cash Advance Credit Line $2,500.00 Cash Advance Credit Line Available $510.00 Only the minimum 14 years $8,698 payment 5,688 Miles by Discoverer Anniversary Month $158 3 years (Savings=$3,010) October Opening Miles Balance 1,949 If you would like information about credit counseling services, New Miles Earned + 940 call 1-800-347.1121. Miles Balance 2,889 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 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, Soh 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 DeoQ mobile phone assistance,please call 1-800.347-7449. Transactions Trans. Post Date Date Payments and Credits Oct 13 Oct 13 INTERNET PAYMENT-THANK YOU $ -85.00 Merchandise Sep 18 Sep 19 DOLLAR GENERAL#13046 WILLIAMSTOWN PA $ 7.72 Oct 2 Oct 2 HOLLISTER CO LOWER ALLEN PA 113.90 Oct 4 Oct 4 REDBOX*DVD RENTAL 866.733-2693 IL 1.91 963475799M6ADE86 Oct 6 Oct 6 HOLLISTER CO LOWER ALLEN PA 54.65 Oct 6 Oct 6 A EAGLE OUT00001917041 CAMP HILL PA 2874 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC49VEI r 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 Discover Bank,Member FDIC PAPER.0310 Transactions Tran s Post (cont.) Date Date Merchandise Oct 8 Oct 8 A EAGLE OUT00001 917041 CAMP HILL PA 46.71 Oct 8 Oct 8 BODY CENTRAL 209 CAMP HILL PA 23.70 0086AB Oct 10 Oct 10 JOURNEYS#946 30 HARRISBURG PA 35.00 Restaurants Oct 2 Oct 2 TACO BELL CAPITAL CITY CAMP HILL PA 9.94 Oct 2 Oct 2 PANDA CAMP HILL PA 17.35 Oct 7 Oct 7 CADDY SHACK MECHANICSBURGPA 42.91 Gasoline Sep 18 Sep 19 SUNOCO HARRISBURG PA 45.18 Sep 19 Sep 19 EXXONMOBIL TOWER CITY PA 12.30 Sep 28 Sep 28 SUNOCO CAMP HILL PA 28.00 Oct 4 Oct 4 SUNOCO CAMP HILL PA 30.00 Automotive Sep 21 Sep 21 FARRS FAMILY TIRE&AUTO CAMP HILL PA 265.00 Oct 13 Oct 13 AUTOZONE#1953 MCHANICSBURG PA 66.63 Supermarkets Oct 9 Oct 9 GIANT 6269 CAMP HILL PA 40.26 009448 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest Charged INTEREST CHARGE ON PURCHASES $ 47.06 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 47.06 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 25.00 TOTAL INTEREST CHARGED IN 2012 455.29 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER If pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $4,407.10 $47.06 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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 841340421. In your letter,give us the following information: Account information: Your name and account number. Dollar amount:The dollar amount of the suspected error. p�scrigtion 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 accounf 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make on electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of fhe 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 an other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility b SPM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility alter 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment fo Discover,PO Box 6103 Carol Stream,IL 60197-6103. Please allow 7.10 days For delivery. If your payment is returned unpaid,we reserve the rig�it to resubmit if as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date(e. the 15th da of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone you will need this statement and your bank account information. You will be asked to provide the last four(4�digX 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 84130-042 1;however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each month)y 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 plus 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 1s renter than the Minimum Payment Due,any excess will be applied in accordance with your Cardmember Agreement.If your scheduled pa ent 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 ou 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 Pa)dng 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 bil ng statement. New Purchases are Purc ases that first appear on the currenf billing statement. How We AD�_y Pavm ants May Impact Your Grace Period If you do not pay your New Balance in Full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this For each day in the billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance,the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of$1.00 or more after 6 months,or as otherwise required by applicable law. For TDD(Telecommunications Device for the Deaf)assistance,please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank,Member FDIC RZNFE0a1 Questions? Visit www.Discover.com or DISCOVER 1-800-DISCOVER (1-800-347-2683 . New Balance Minimum Payment Due Account Number ending in 3256 $5,299.35 $200.00 Enter Amount Enclosed Below Payment Due Date December 13,2012 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $99.35. ERIKA L DINGER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267052993500000000020000 Opening Date: October 19,2012- Closing Date: November 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $5,299.35 Minimum Payment Due* $200.00 Account number ending in 3256 Payment Due Date December 13,2012 Previous Balance $4,689.57 *Includes past due amount of$94.00 Payments And Credits 29.99 Purchases + 557.45 Late Payment Warning:If we do not receive your minimum Balance Transfers + 0.00 payment by the date listed above,you may have to pay a late Cash Advances + 0.00 fee of up to$35.00 and your purchase and balance transfer Fees Charged + 25.00 APRs for new transactions may be increased up to the Penalty Interest Charged + 57.32 APR of 17.99%variable. New Balance $5,299.35 Minimum Payment Warning:If you make only the minimum See Interest Charge Calculation section following payment each period,you will pay more in interest and it will transactions for detailed APR information take you longer to pay off your balance.For example: ou ma a nb Yon vrtll o of#the.: And u wr end Credit Line $5,200 „Y.......... P:Y Y° .. iYfaritif:Ahdr""rSS;;;;i< :,:::.N*#;:o..';::,;:«:,:: <. » :an>:?»»_>3 Credit Line Available $0 bplprt¢6 �'�' _. P F Cash Advance Credit Line $2500,00 sing thrs¢aid and tht ztcttam�ttt art estrmated:4ota)d# Cash Advance Credit Line Available $0.00 ;,cb manii jou pay. !about Only the minimum 15 years $9,906 Miles by Discover' Anniversary Month payment October If you would like information about credit counseling services, Opening Miles Balance 2,889 call 1-800.347.1121. New Miles Earned + 527 Miles Balance 3,417 To learn more,log in at www.Discover.eom 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely of www.Discover com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER(1-800.347-2683) to ay 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 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,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 22 Oct 24 CVS/PHARMACY MECHANICSBURGPA $ -29.99 Merchandise Oct 22 Oct 22 CVS/PHARMACY MECHANICSBURGPA $ 29.99 Oct 22 Oct 22 CVS/PHARMACY MECHANICSBURGPA 98.43 Medical Services Oct 22 Oct 22 AMERICAS BEST 5642 HARRISBURG PA 429.03 Fees Nov 13 Nov 13 LATE FEE $ 25.00 TOTAL FEES FOR THIS PERIOD 25.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 57.32 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. i •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 Transactions Trans. Post (cont.) Date Date Merest Charged INTEREST CHARGE ON CASH ADVANCES $ 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 57.32 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 50.00 TOTAL INTEREST CHARGED IN 2012 512.61 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683 . It pays to ERIKA LDINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rafe(APR)is the annual interest rate on your account. Current Billing Period:31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $5,195.36 $57.32 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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,SaB 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 w�itina. 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 called 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the fop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic Fund transfer From your account at the financial institution indicated on your check or to process the payment as a check transaction. IF pa ment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information ham your check to make an electronic fund transfer,funds 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. 'e!rocessing of your payment may be delayed if you send cash,correspondence or other items with your payment,if you senthe payment to any other address or if you use an envelope other than the one provided. Payments received m proper forat our processing facility b SPM local time on any dayy will be credited to your Account as of that day. Payments reced at our processing facility after SPM local time will be credited to yyour Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Caral Stream,IL 60 1 97-6 1 03. Please allow 7-10 days for delivery. IF your payment is returned unpaid,we reserve the rig(,t to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the felephone 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 holidyay,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone you will need this statement and your bank account information. You will be asked to provide the last four(4fdigits of tfie 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 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 pa ent 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 t6 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 " c 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 Purc uses 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 o grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first fl uring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cash Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The be balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments(including those adjustments required in the"Paying Interest"section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billin period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to 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 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 Questions? Visit www.Discover.com or DISCOVER . call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 3256 $5,391.22 $312.00 Enter Amount Enclosed Below Payment Due Date January 13,2013 Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $191.22. ERIKA L DINGIER 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Address,e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986623613261267053912200000000031200 Opening Date: November 19,2012- Closing Date: December 18,2012 page 1 of 2 Discover Miles Card Account Summary Payment Information New Balance $5,391.22 Minimum Payment Due* $312.00 Account number ending in 3256 Payment Due Date January 13,2013 Previous Balance $5,299.35 *Includes past due amount of$200.00 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 + 56.87 APR of 17.99%variable. New Balance $5,391.22 Minimum Payment Warning:If you make only the minimum See Interest Charge Calculation section following payment each period,you will pay more in interest and it will transactions For detailed APR information take you longer to pay off your balance.For example: Credit Line $5,200 (. m ?� You wilE'poy off.the; And jou i{i ea Credit Line Available $0 �ticmal cfnrges balance sftcwn or#. vp pays» nn Cash Advance Credit Line $2,500.00 sing thES card and turd tat inartt to estfmatea#otaf o.. Cash Advance Credit Line Available $0,00 cch month you pay::n6** You may be able to avoid Interest Charges,see Additional Only the minimum 15 years $9,978 Important Information for details. I payment If you would like information about credit counseling services, Miles b Discover® call 1.800.347-1121. y Anniversary Month October Opening Miles Balance 3,417 New Miles Earned + 0 Miles Balance 3,417 To learn more,log in oiwww.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 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 Fees Dec 13 Dec 13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 56.87 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC40VEI Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable,password protected statements. •See your statement as soon as it's available rather than wait for it to arrive in your mailbox. •Get helpful payment reminders through e-mail or text messages on your mobile phone. •Print a paper copy of your statement anytime. •Sign up today at Discover.com/paperless 02010 Discover Bank,Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 56.87 2012 Totals Year-to-Date TOTAL FEES CHARGED IN 2012 $ 85.00 TOTAL INTEREST CHARGED IN 2012 569.48 Questions? Visitwww.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to ERIKA L DINGER DISCOVER Account number ending in 3256 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $5,326.79 $56.87 Cash Advances 23.99% V $0 $0 V=Variable Rate Additional Important information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report 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. De�criction 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-waiting. 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 anytime. However,you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope PProvided. Do not send cash. By sending your check as described above,you authorize us to use information on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer,the transfer will be for the amount of the check. When we use information horn 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 receved in proper form at our processing facility by SPM I«al time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope,send your payment to Discover,PO Box 6103 Carol Stream,IL 60 1 9 7-6 1 03. Please allow 7.10 days for delivery. If your payment is returned unpaid,we reserve the rig(it to resubmit if as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due,or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ment date(e.g. the 15th day of the month)that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday,your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone you will need this statement and your bank account information. You will be asked to provide the last four(4rdigits of the social security number of the primary borrower. By providing those numbers as your electronic signature,you will be agreeing to this authorization to allow us and your bank to deduct each 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 realer 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 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 ou 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 t6 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 Paylna 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 Purc�ases that first appear on the current billing statement. How We Apply Layments May Impact Your Grace Period IF you do not pay your New Balance in full each month,then,depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges-Daily Balance Method(including current transactions): We calculate interest charges each billing period by first figuring the"daily balance"for each Transaction Category. Transaction Categories include standard Purchases,standard Cosh Advances and different promotional balances,such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the be inning balance for each day. The beginning balance for the first day of the billing period is 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 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 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 RZNFE0o1 Questions? Visit www.Discover.com or D�SC�VER call 1-800-DISCOVER (1-800-347-2683). Discover Miles Card Account number ending in 3256 Open Date: Dec 19,2012-Close Date:Jon 18,2013 Cardmember Since 2004 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $5,391.22 New Balance $5,486.02 Payments and Credits — $0.00 Minimum Payment Due* $427.00 Purchases + $0.00 Payment Due Date February 13,2013 Balance Transfers + $0.00 *Includes past due amount of: $312.00 Cash Advances + $0.00 Fees Charged + S35.00 Late Payment Warning: If we do not receive your minimum payment by the date Interest Charged + $59.80 listed above,you may have to pay a late fee of up to$35.00 and your purchase New Balance $5,486.02 and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99%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 $5,200 balance.For example: Credit Line Available $0 If you make no additional charges You will payaffthe Andyouwill end,up Cash Advance Credit Line $2,500 using=thrs card and each monik bakmce-showtr on ll is paywng an eshmafed total you:pay statemehk iri ak�out .::., of Cash Advance Credit Line Available $0 Only the minimum payment 15 years $10,161 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 Miles by Discover® Anniversary Month 1-800-347-2683 October_j Opening Balance 3,417 Please make check payable to Discover. You are overlimit. New Miles This Period + 0 Pay the sum of the Minimum Payment Due plus the Redeemed This Period — 3,417 remaining overlimit amount of$286.02. Miles Balance 0 To learn more,log in at Discover.com Make Check payable fo Discover. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold an the perforation below,detach and return with your payment. Payment Coupon 0 Piny©nhne /, Pay by Phone Account number ending in 3256 Please do not fold'cLp a' I`iscover coin �+ 1 800347 oib83 Minimum Payment Due $427.00 New Balance $5,486.02 Payment Due Date February 13,2013 ERIKA L DINGER 405 BROOK CIR Amount enclosed Is MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. 111111111111'I"I 11111'1 1 1 l'l l ' "'1 1 1 1"11'1111"IIIIIIIIIIII' Address,e-mail or telephone changed?Note changes on reverse side. 000001986623613261267054860200200000042700 ERIKA L DINGIER Account number ending in 3256 Open Date: Dec 19, 2012-Close Date:Jan 18, 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.law. See your Cardmember Agreement.Your Cardmember Agreement contains all the terms of your Account. You con 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 as listed If you think there is an error on our statement,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,Salt 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 call 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 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 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 cash. If you pay by check,you authorize us to use information on your check to make an electronic fund Amount: ❑Full Pay ❑Min Pay ❑Min Pay+$ transfer from your account at the financial institution indicated on your check ❑Other Amount$ ;Bank Routing#: 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 Bank Account# check.When we use information from your check to make on electronic fund Monthly on the❑Payment Due Date ❑Close Date 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 ❑ 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 at 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. of our processing facility after SPM loco)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 date is at least 25 days after the close of each resubmit it as on 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 does not exceed your current Account balance,over the telephone or you can by the due date each month.We will begin charging interest Cash Advances and Balance Transfers as of the lacer of the Transaction Dote 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 h unless you request a recurring payment date(e.g.,the 15 day of the month) Rate. 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 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 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,Salt 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@ 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 State,Zip To make changes to your address,email or telephone number,visit Discover.com Continued on next page Discover Miles Card Account number ending in 3256 Open Date: Dec 19,2012-Close Date:Jan 18,2013 Page 3 of 4 CONTACT US AWeb Aft Mobile Phone Inquiry Moil Payments Access your Manage your O 1-800-DISCOVER Discover O 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 13 Jan 13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 59.80 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 59.80 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 35.00 TOTAL INTEREST CHARGED IN 2013 $ 59.80 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 12.99% V $5,420.10 $59.80 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIKA L DINGER Accouni number ending in 3256 Open Date: Dec 19, 2012-Close Date:Jan 18, 2013 Page 4 of 4 Discover Miles Card Account number ending in 3256 Open Date:Jan 19,2013-Close Date: Feb 18,2013 Cardmember Since 2004 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $5,486.02 New Balance $5,581.87 Payments and Credits — $0.00 Minimum Payment Due* $543.00 Purchases + $0.00 Payment Due Date March 13,2013 Balance Transfers + $0.00 *Includes past due amount of: $427.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the date Interest Charged + $60.85 listed above,you may have to pay a late fee of up to$35.00 and your purchase New Balance $5,581.87 and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99%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 $5,200 balance.For example: Credit Line Available $0 If youmbkenaddttt;at::charges You wllkpay ohe Md,yoi�zwill end up t vslr�gthts card andpeac + oth' ebakmce shown on fhis pn9 an ehmatecllata4 Cash Advance Credit Line $2,500 Y PaY r .t %tement,ln about Cash Advance Credit Line Available $0 Only the minimum payment 15 yea rs $10,232 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 Miles by Discover® Anniversary Month 1-800-347-2683 October Opening Balance 0 Please make check payable to Discover. You are overlimit. New Miles This Period + 0 Pay the sum of the Minimum Payment Due plus the Redeemed This Period — 0 remaining overlimit amount of$381.87. Miles Balance 0 To learn more,log in at Discover.com Make Check payable to Discover. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below,detach and return with your payment. kP merit Cou fla ' `{j R Account number ending in 3256 ay po �y Pay�Onl�ne f � Pay�by Pho�e�, , Please do not fold clip or staple, _� blscaver cam$ 7 800 347 2683 Minimum Payment Due $543.00 IIIII�III�'I�I��IIIIIIInI111111IIIIIIIIIIIIIIIIIIIIIllllll New Balance $5,581.87 Payment Due Date March 13,2013 ERIKA L DINGIER 405 BROOK CIR Amount enclosed $ MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 IIIIII IIIIIIII I'�I�III�IIII�IIIIIIIIII'�II�'�I'lll�lllll���llllll Phone and Internet 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. 000001986623613261267055818700200000054300 ERIKA L DINGER Account number ending in 3256 Open Date:Jan 19,2013-Close Date: Feb 18, 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 Cordmember Agreement contains all transactions must comply with U.S.low. all the terms of your Account. Lost or stolen cards. Report immediately! 1-800-347-2683. You can set automatic payments for: (i)statement New Balance,(ii)statement 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 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. A copy of this notice is available at https:Hdiscover.com/billingrighis. 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 at 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 Date.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: ❑Full Pay 0 Min Pay 0 Min Pay+$ or to process the payment as a check transaction. If a payment is processed as on 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 some day we receive your payment,and you will not receive your check back from Monthly on the 0 Payment Due Date Close Date your financial institution. Q 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 at 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 it as an electronic debit.Payments made online or by phone will be paying Interest.Your due dale is at least 25 days offer the close of each credited as of the day of receipt if made by 5PM Eastern time. billing P eriod(at least 23 days for billing P eriods 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 Date 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 Date shown on that statement,or the next automatic payment date referred to on your statement, How We Calculate Interest Charges.We Use the Daily Balance Method unless you request a recurring payment date(e. .,the 15"day of the month) (including current transactions)to calculate the Balance Subject to Interest that occurs before your Payment Due Date or Close Date. If your scheduled Rote. For more information,please call us at 1-800-347-2683. 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 I I schedule monthly payments by telephone,you will need this statement and to Interest Rate. It 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 Rote 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 an 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 law,or upon request made 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 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@ 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 State,Zip To make changes to your address, email or telephone number,visit Discover.com Continued on next page Discover Miles Card Account number ending in 3256 Open Date:Jan 19,2013-Close Date: Feb 18,2013 Page 3 of 4 CONTACT US 0 Web Mobile O Phone 0 Inquiry 0 Mail Payments Access your W11 account securely • account anytime, (1-800-347-2683) PDO 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 Feb 13 Feb 13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 60.85 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 60.85 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 70.00 TOTAL INTEREST CHARGED IN 2013 $ 120.65 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 12.99% V $5,515.41 $60.85 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate - I NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIKA L DINGER Account number ending in 3256 Open Dote:Jan 19, 2013-Close Date: Feb 18,2013 Page 4 of 4 Discover Miles Card Account number ending in 3256 Open Date: Feb 19,2013-Close Date:Mar 18,2013 Cardmember Since 2004 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $5,581.87 New Balance $55,672.76 Payments and Credits — $0.00 Minimum Payment Due* $657.00 Purchases + $0.00 Payment Due Date April 13,2013 Balance Transfers + $0.00 *Includes past due amount of: $543.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $55.89 date listed above,you may have to pcy a late fee of up to$35.00 and your New Balance $5,672.76 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99%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 $5,200 balance.For example: Credit Line Available $0 IF yod make no additional charges Ybu. will pay of#the .-- And you will end by Cosh Advance Credit Line $2,500 using)his card and each month Fialanze Shown an this paying an eshmofed total you ppy stgfern f.iri about,,_.' of Cash Advance Credit Line Available $0 Only the minimum payment 15 years $10,309 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 Miles by Discover@ Anniversary Month 1-800-347-2683 October Opening Balance 0 See'Information For You'section for important information New Miles This Period + 0 regarding Your Billing Rights. Redeemed This Period — 0 Please make check payable to Discover. You are overlimit. Mlles Balance 0 Pay the sum of the Minimum Payment Due plus the To learn more,log in at Discover.com remaining overlimit amount of$472.76. Make Check payable to Discover. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below,detach and return with your payment. Payment Coupon Ppy©n11ne Pay by Phone Account number ending in 3256 Please do,`not fold,lclip or staple D13caver coin O f 8Q0372683 Minimum Payment Due $657.00 New Balance $5,672.76 Payment Due Date April 13,2013 ERIKA L DINGER Amount enclosed Is 405 BROOK CIR MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Phone and Internet payments must be received by 5PM Er to be credited as of the some day. I I I 11111111111111'1111'11'111111'1 1 1 l'1 1 1 1 l'1 1 1 1 1 1 l'l l l l l l l l l l Address,e-mail or lelephone changed?Note changes on reverse side. 00000198662361326126?05672?600150000065?00 ERIKA L DINGER Account number ending in 3256 Open Date: Feb 19, 2013-Close Date:Mar 18, 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 contains all transactions must comply with U.S. law. all the terms of your Account. Lost or stolen cards. Report immediate) Call 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 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,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. Please see your Cardmember Agreement or visit payment is greater than the New Balance on your billing statement,that htips://discover.com/billing rights 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 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$ ; Bank 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 back from 0 Day of month(insert date) your financial institution. 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 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 following 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 made 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 made by 5PM Eastern time. will not charge you an interest on Purchases if you a g y y y pay your entire balance You can pay your monthly Minimum Payment Due,or a greater amount that 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 15"day of the month) Rate. For more information,please call us at 1-800-347-2683. that occurs before your Payment Due Date or Close Date.If your scheduled Subject Balance Sub to Interest Rate. Your statement shows a Balance Sub payment date falls on a weekend or bank holiday,your payment will be I I 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 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,Salt 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 The DiscoverO card is issued b Discover Bank,Member FDIC. TL23N monthly billing statement when your payment will be made and how much it Y 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 Work Phone City Email State,Zip To make changes to your address,email or telephone number,visit Discover.com Continued on next page Discover Miles Card Account number ending in 3256 Open Date: Feb 19,2013-Close Date:Mar 18,2013 Page 3 of 4 CONTACT US 0 R Web Mobile Phone Inquiry 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 Mar 13 Mar 13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 55.89 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 55.89 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 105.00 TOTAL INTEREST CHARGED IN 2013 $ 176.54 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 12.99% V $5,608.77 S55.89 Cash Advances 23.99% V $0.00 $0.00 V=Voriable Rate Information For You Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement,write to us at: Discover,PO Box 30421,Solt Lake City,UT 84130-0421. In your letter,give us the following information: Account information:Your name and account number. Dollar amount:The dollar amount of the suspected error. Description of problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us: Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled,if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing.You may call us,but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter,we must do two things: 1.Within 30 days of receiving your letter,we must tell you that we received your letter.We will also tell you if we 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. After we finish our investigation,one of two things will happen: NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIKA L DINGIER Account number ending in 3256 Open Date: Feb 19, 2013-Close Date:Mar 18, 2013 Page 4 of 4 Information For You ... Continued If we mode a mistake:You will not have to pay the amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake:You will have to pay the amount in question,along with applicable interest and fees.We will send you a statement of the amount you owe and the date payment is due.We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong,you must write to us within 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 ore 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 have 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 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 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 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. Discover Miles Card Account number ending in 3256 Open Date:Mar 19,2013-Close Date:Apr 18,2013 Card member Since 2004 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $5,672.76 New Balance $5,770.69 Payments and Credits — $0.00 Minimum Payment Due* $775.00 Purchases + $0.00 Payment Due Date May 13,2013 Balance Transfers + $0.00 *Includes past due amount of: $657.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $62.93 date listed above,you may have to pay a late fee of up to$35.00 and your New Balance $5,770.69 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99%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 $5,200 balance.For example: Credit Line Available $0 Ifyott'make no gddrtrohdl charges Youwill payoff the At�d youx nll end Cash Advance Credit Line $2,500 dsmg the card and t3acm laalance shown dnlhts; paying an�eshmotec7l�ohal'0.. `? 3 � ��z ,5talertrent'iri sikmvt pl y Cash Advance Credit Line Available $0 Only the minimum payment 15 years $10,382 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 Miles by Discover® Anniversary Month 1-800-347-2683 October Opening Balance 0 Please make check payable to Discover. You are overlimit. New Miles This Period + 0 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period — 0 overlimit amount of$570.69. Mlles Balance 0 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. Account number i n 3256 �PtSymen#Coupon �� � ����'ay Online�yy�:�z��Pcry#by Phone R Please do not fold,�1ip oP atapie n >¢1)4scavee cam1 X00 347?683+ Minimum Payment Due $775.00 lill� illilll�n�lilllilllllllllllliilllllil�ll�ll'll�'I��I�II' New Balance $5,770.69 Payment Due Date May 13,2013 ERIKA L DINGER 405 BROOK CIR Amount enclosed $ MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Phone and Internet payments must be received by 5 P ET to be credited as of the some day. Address,e-mail or telephone changed?Note changes on reverse side. 000001986623613261267057706900200000077500 ERIKA L DINGIER Account number ending in 3256 Open Date:Mar 19,2013-Close Date:Apr 18,2013 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 all the terms of your Account. You can set automatic payments for: (i)statement New Balance,(ii)statement Lost or stolen cards.Report immediately! Call 1-800-347-2683. 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,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 anyy lime. billing statement based on credits or payments after the Close Date. However,you must pay at least the Minimum Payment Due by the Pa meni Due Dote.Send only, our payment and the bottom portion of this siaiyement If you enroll by phone in our automatic payment service,please fill-in the in the envelopa provided.Do not send cash. If you pay by check,yo following blanks below and retain the authorization for your records. outhorizg@ us to use information on your check to make an electronic�nd transfer trom your account at the financial institution indicated on your chek Amount: 0 Full Pay El Min Pay 0 Min Pay+$ or to process he pa meni ps a check trQnsadion.If a payment is processed as an elect ronic fund transfer,the transfer will be for the amount of the El Other Amount$ Bank Routing#: check.When we use information from your check to make an electronic fund gunk Account# 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 Monthly on the Payment Due Date Close Dote your financial institution. Y 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 51l 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 dote is of 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 dote referred to on your statement, unless you request a recurring payment dote(e.q.,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 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 % will send you a refund of any remaining balance of$1.00or 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 State,Zip To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover Miles Card Account number ending in 3256 Open Date:Mar 19,2013-Close Date:Apr 18,2013 Page 3 of 4 CONTACT US AWeb Mobile Phone Inquiry Mail Payments Access your 11 Manage your 1-800-DISCOVER Discover Discover account securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103 of 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 13 Apr 13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 62.93 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 62.93 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 140.00 TOTAL INTEREST CHARGED IN 2013 $ 239.47 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 12.99% V $5,703.15 $62.93 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 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIKA L DINGER Account number ending in 3256 Open Date:Mar 19,2013-Close Date:Apr 18,2013 Page 4 of 4 Discover Miles Card Account number ending in 3256 Open Dote:Apr 19,2013-Close Date:May 18,2013 Cardmember Since 2004 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $5,770.69 New Balance $5,867.62 Payments and Credits — $0.00 Minimum Payment Due* $893.00 Purchases + $0.00 Payment Due Date June 13,2013 Balance Transfers + $0.00 *Includes past due amount of: $775.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $61.93 date listed above,you may have to pay o late fee of up to$35.00 and your New Balance $5,867.62 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99%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 $5,200 balance. For example: Credit Line Available $0 {f youvt" ao addttwnol charges 1'ou wiU pay off the And you wd{end!vp �ISmg 1h15 card and each month #glance shown an 1{tis paytngan estimated total Cosh Advance Credit Line $2,500 y r y you pay, � staterhent tti abGUt � o� ,ti„ Cash Advance Credit Line Available $0 Only the minimum payment 15 years $10,459 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 Miles by rDISCOVer® Anniversary Month 1-800-347-2683 October _j Opening Balonce 0 Please make check payable to Discover. You are overlimit. New Miles This Period + 0 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period — 0 overlimit amount of$667.62. Miles Balance U 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 v�th your payment. payment Cauptin Pay flnllte} Q Pay by Phone Account number ending in 3256 lensedo'nofifoldclipoistaf�1e fliscoverctm 1 800 347 2683 Minimum Payment Due $893.00 I�Illlllil�lllli��i lllilillil'II'���'�I"IIIII�IIIII'�I�'II� New Balance $5,867.62 Payment Due Date June 13,2013 ERIKA L DINGER 405 BROOK CIR Amount enclosed Is MECHANICSBURG PA 17050-4611 PO BOX 71084 CHARLOTTE NC 28272-1084 Phone and 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. 00000198662361326126 7058676200500000089300 ERIKA L DINGER Account number ending in 3256 Open Date:Apr 19,2013-Close Date:May 18,2013 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.law. 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 immediatelyl Coll 1-800-347-2683. dollar amount,or(iv)Other dollar amount. If your scheduled"Other dollar amount"payment is not enough to cover the Minimum Payment Due as listed 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 on your monthly billing statement,your scheduled payment for that month Box 30421,Salt Lake City,UT 84130-0421. You must write to us within 60 will be increased to cover the Minimum Payment Due. If the scheduled days after the error appeared on your statement. You may call us,but if you payment is greater than the Minimum Payment Due,any excess will be do we are not required to investigate any potential errors,and you may have applied in accordance with your Cardmember Agreement.If your scheduled to pay the amount in question. The Billing Rights Notice further explains your payment is greater than the New Balance on your billing statement,that rights. Please see your Cardmember Agreement or visit payment will be processed only for the amount of your New Balance.Your https://discover.com/billingrights for a copy of this notice. automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. Payments.You may pay all or part of your Account balance at any time. If you enroll by phone in our automatic payment service,please fill-in the However,you must pay of least the Minimum Payment Due by the Payment following blanks below and retain the authorization for our records. Due Dote.Send only your ppayment and the bottom portion of this statyement 9 Y in the envelope provided. Do not send cash. If you pay by check,yo authorize us to use information on your check to make an electrornc fund Amount: 0 Full Pay 0 Min Pay []Min Pay+$ transfer from yyour account at the financial institution indicated on your check 0 Other Amount$ ; Bank Routing#: or to process the pa ment as 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 transfer,funds may be withdrawn from your account as soon as the same Monthly on the 0 Payment Due Date Close Date we receive your payment,and you day will not receive your check back from your financial institution. 11 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 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 following 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 resubmit it 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 5 PM Eastern time. billing period(of 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 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 rerresentative by Advances and Balance Transfers as of the later of the Transaction Date 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 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 to Inter transactions)to calculate the Balance Subject to Interest unless you request a recurring payment date(e.q.,the 15 day of the month) Rate. For more information,please call to at 1-800-347-2683.Subject t 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 your bank account information.You will be asked to provide the lost 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 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 charges against this amount if your Account is open. authorize us to initiate debit or credit entries to your bunk account,as yye will send you o 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 m applicable law,or upon request made cancel a scheduled payment by phone at 1-800-347-2683 or by mail at 6 the address s the Contact required section on page 3 of your billing statement. Discover,PO Box 30421,Salt 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 made 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 Work Phone City Email State,Zip To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover Miles Card Account number ending in 3256 Open Date:Apr 19,2013-Close Date:May 18,2013 Page 3 of 4 CONTACT US Web Mobile Phone Inquiry Mail Payments R Access your Manage your 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 May 13 May 13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 61.93 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 61.93 2013 Totals Year-to-Date TOTAL FEES CHARGED IN 2013 $ 175.00 TOTAL INTEREST CHARGED IN 2013 $ 301.40 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rote on your account. Current Billing Period:30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $5,800.56 $61.93 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges ore calculated see your Cardmember Agreement or go to www.discover.com/interestcharges NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ERIKA L DINGER Account number ending in 3256 Open Date:Apr 19,2013-Close Date:May 18,2013 Page 4 of 4 L'210- 13 t NCt�OTNOt i ,1 DEC 12 PIS 2: 0 7 CUMBERLAND COUNTti' PENNSYLVANIA DISCOVER BANK : COURT OF COMMON PLEAS 6500 NEW ALBANY RD EAST : CUMBERLAND COUNTY, NEW ALBANY, OH 43054 : PENNSYLVANIA Plaintiff : CIVIL ACTION-LAW : No.: 13-6460-CIVIL vs. ERIKA L. DINGER • 4601 Chestnut Ave. • Camp Hill, PA 17011 • • Defendant • • CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of Plaintiffs Complaint on the date indicated below to all parties or their attorneys of record by: X regular first class mail certified mail other DATE: l ( PRESSLF A S R, LL" BY: FRAN S X. GRIMES, ESQ IRE Atto y for Plaintiff i i P PRESSLER AND PRESSLER, LLP Attorney for Plaintiff BY: Francis X. Grimes, Esquire + FEB 2 4 P( + I.D.#62404 804 West Avenue i'' E?Ef�L�;� `U r'OUNTY Jenkintown, PA 19046 f:'II SYLVANIA (215) 576-1900 DISCOVER BANK COURT OF COMMON PLEAS C/O DB Servicing Corporation CUMBERLAND COUNTY, PA 6500 New Albany Road East CIVIL ACTION-LAW New Albany, OH 43054 NO. 2013-6460 Plaintiff vs. ERIKA L. DINGER 4601 Chestnut Avenue Camp Hill, PA 17011-4006 Defendants PRAECIPE FOR DEFAULT JUDGMENT TO THE PROTHONOTARY: Enter Judgment by Default in favor of the Plaintiff, Discover Bank, and against the Defendant(s), Erika L. Dinger, for failure to Answer the Civil Action Complaint. Assess Plaintiffs damages in the sum of$6,021.12 (Principal $5,867.62 plus costs of$153.50) in accordance with the prayer of the Complaint, plus costs of filing the default, if any. DATE: Z Z( I FirX. GRIMES, ESQUIRE OL Sq AFFIDAVIT OF NON MILITARY SERVICE Francis X. Grimes, Esquire, being duly sworn according to law, deposes and says: (a) That the Defendant(s)is/are not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940 as amended; (b) That Defendant, Erika L. Dinger, is an adult individual and resides at 4601 Chestnut Avenue, Camp Hill, PA 17011-4006. (c) That Defendant, , is an adult individual and resides at Affiant has ascertained the foregoing information by personal investigation and makes this Affidavit in due authority; and he understands that the statements herein are made subject to the penalties of 18 Pa. C.S. Sec. 4904, relating to unsworn falsification to authorities. r' f' DISCOVER BANK COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Plaintiff CIVIL ACTION-LAW VS. NO. 13-6460 CIVIL ERIKA L. DINGER Defendant(s) CERTIFICATION UNDER PA. R.C.P. 237.1 Francis X. Grimes, Esquire,Attorney for Plaintiff, Discover Bank, certifies that he sent a copy of the attached Notice on January 16, 2014 by regular mail to the Defendant(s) at the address at which the Defendant(s) was/were served with legal process at the address indicated by the do-'rl entr' s in this matter. DATE: 4f�.-t� q F N IS X. GRIMES, ESQ IRE DISCOVER BANK COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY,PA CIVIL ACTION-LAW VS. ERIKA L.DINGER NO. 2013-6460 CIVIL Defendant(s) TO: Erika L.Dinger 4601 Chestnut Avenue Camp Hill,PA 17011-4006 Date: January 16,2014 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN(10)DAYS FROM THE DATE OF THIS NOTICE,A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE,IF YOU DO NOT HAVE A LAWYER,GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle,PA 17013 (800)990-9108 (717)249-3166 }' FRANCIS X.GRIMES,ESQUIRE, Attorney for Plaintiff Pressler and Pressler,LLP 804 West Avenue Jenkintown,PA 19046 (215)576-1900 NAME AND ADDRESS CERTIFICATION I hereby request the Prothonotary to enter the within judgment against: Erika L. Dinger 4601 Chestnut Avenue Camp Hill, PA 17011-4006 Defendant(s) within named,the last named address of the defendant or defendants being as shown above, and I hereby certify that the precise address of the Judgment Creditor is: Discover Bank c/o DB Servicing Corp. 6500 New Albany Road East New Albany, OH 43054 Plaintiff (SignatOre required for filing) v